🕷️ Crawler Inspector

URL Lookup

Direct Parameter Lookup

Raw Queries and Responses

1. Shard Calculation

Query:

Response:

Calculated Shard: 34 (from laksa070)

2. Crawled Status Check

Query:

curl -X POST \
  'http://laksa034.int.ahrefs:8124/' \
  -H 'Content-Type: text/plain' \
  -H 'X-ClickHouse-Database: crawler3' \
  -H 'Authorization: Basic YXBpOg==' \
  -d 'SELECT getAhrefsURLFromUnparsed(src_unparsed) AS found_url, ifNull(toUnixTimestamp(download_stamp), 0) AS crawl_time, ifNull(toUnixTimestamp(props_url_first_seen), 0) AS first_indexed_time, download_http_code AS http_code, src_unparsed AS src_unparsed, src_root_hash AS src_root_hash, history_drop_reason AS history_drop_reason, meta_title AS meta_title, meta_descriptions AS meta_descriptions, attrs_boilerpipe_text AS attrs_boilerpipe_text, attrs_markdown AS attrs_markdown, attrs_readable_markdown AS attrs_readable_markdown, meta_canonical AS meta_canonical FROM crawler3.page_info_local FINAL PREWHERE (src_root_hash, src_unparsed) IN ((getAhrefsRootHashFromUnparsed(getAhrefsUnparsedNoserviceFromURL(\'https://www.nerdwallet.com/finance/learn/how-to-budget\')), getAhrefsUnparsedNoserviceFromURL(\'https://www.nerdwallet.com/finance/learn/how-to-budget\'))) FORMAT JSONEachRow'

Response:

{"found_url":"https:\/\/www.nerdwallet.com\/finance\/learn\/how-to-budget","crawl_time":1776031489,"first_indexed_time":1761097133,"http_code":200,"src_unparsed":"com,nerdwallet!www,\/finance\/learn\/how-to-budget s443","src_root_hash":"10009614238684002234","history_drop_reason":null,"meta_title":"How to Budget Money: A Step-By-Step Guide - NerdWallet","meta_descriptions":["To budget money: 1. Figure out your after-tax income 2. Choose a budgeting system 3. Track your progress 4. Automate your savings 5. Practice budget management"],"attrs_boilerpipe_text":"SOME CARD INFO MAY BE OUTDATED\nThis page includes information about these cards, currently unavailable on\n    NerdWallet. The information has been collected by NerdWallet and has not\n    been provided or reviewed by the card issuer.\nA budget is a plan for how you use your money. No matter how much you earn or how often you get paid, a budget helps you stay on top of your bills, savings and other money goals. It can give you more control and less stress.\nTo budget money, follow the five steps below.\nStep 1. Figure out your after-tax income\nIf you get a regular paycheck, the amount you bring home is your after-tax income. This is also called your\nnet income\nor take-home pay.\nIf money is taken out of your paycheck for things like a 401(k) or insurance, add that back in when making your budget. That way, you'll see your full income.\nIf you have other types of money coming in — such as from side gigs — subtract anything that reduces that income, such as taxes and business expenses.\n»\nStay informed:\nCheck out NerdWallet's\nnews hub\nfor all the latest.\nStep 2. Choose a budgeting system\nA budgeting system is a plan for how to use your money. Everyone has different habits, personality types and approaches to managing money, and there are systems that can fit your lifestyle.\nEvery budget should cover your needs, some wants and savings for emergencies and the future.\nExamples of\nbudgeting systems\ninclude the envelope system, the zero-based budget, and the\n50\/30\/20 budget\n, in which 50% of your take-home pay goes toward necessities, 30% toward wants and 20% toward savings and retirement.\nOther breakdowns, like 60\/20\/20 and 60\/30\/10, may work well for some situations.\nStep 3. Track your progress\nPay attention to where your money is going. If you notice areas where you’re overspending, try to cut those costs. If you’re able to make cuts and have money left over, put it toward debt repayment, savings or another financial priority.\nStep 4. Automate your savings\nSet up automatic savings to make things easier. You can set automatic deposits to an\nemergency fund,\ninvestment or retirement account on your paydays.\nIf your income changes from month to month, set reminders to move money when you can. You don't have to do it alone — a friend or online group can keep you motivated to stick to your budget.\nStep 5. Practice budget management\nYour money situation will change over time. Check your budget every few months and adjust if needed.\nIf you find that the initial budgeting system you chose isn’t working for you, consider trying a different strategy. The budget you choose doesn’t have to last forever.\nDetermine your budgeting priorities\nWhen budgeting, it can be hard to figure out which items are most urgent. Should you prioritize your credit card debt, student loan repayments or retirement savings? Here is a list of potential priorities from most to least urgent.\nPriority No. 1: Start an emergency fund.\nPriority No. 1: Start an emergency fund.\nPriority No. 2: Get your 401(k) match.\nPriority No. 2: Get your 401(k) match.\nPriority No. 3: Pay off high-interest debt.\nPriority No. 3: Pay off high-interest debt.\nPriority No. 4: Save for retirement (again).\nPriority No. 4: Save for retirement (again).\nPriority No. 5: Grow your emergency fund.\nPriority No. 5: Grow your emergency fund.\nPriority No. 6: Pay down the rest of your debt.\nPriority No. 6: Pay down the rest of your debt.\nPriority No. 7: Save for yourself.\nPriority No. 7: Save for yourself.\nTry a simple budgeting plan: 50\/30\/20\nOne popular budget plan is the 50\/30\/20 budget. If you stick to this plan, you can handle your bills, save for the future, prepare for emergencies and enjoy life, too.\nAllow up to 50% of your income for needs\nYour necessities — about 50% of your after-tax income — should include:\nGroceries.\nHousing.\nBasic utilities.\nTransportation.\nInsurance.\nMinimum loan and credit card payments. Anything beyond the minimum goes into the savings and debt repayment category.\nChild care or other expenses you need so you can work.\nIf your basic needs go over 50%, you can use some of your “wants” money for now. That's OK. But if those needs are going over 50% month after month, consider switching to another budgeting model. Switching your budget isn't a sign of failure. Budgets should work for your life.\nIf your necessities fall under the 50% cap, review the expenses that stay the same every month, often called fixed expenses. You may find a\nbetter cell phone plan\n, an opportunity to\nrefinance your mortgage\nor a less expensive car insurance option. Those money moves create breathing room in your budget.\nLeave 30% for wants\nSeparating wants from needs\ncan be difficult. Needs are essential for you to live and work. Typical wants include dinners out, gifts, travel and entertainment.\nIt’s not always easy to decide: Are organic groceries a want or a need? How about house cleaning services or food delivery? Decisions vary from person to person.\nIf you want to get out of debt as fast as you can, you may decide your wants can wait until you have some savings or your debts are under control. But your budget should include fun money. If it's too strict, it's harder to stick with.\nCommit 20% to savings and debt paydown\nUse 20% of your after-tax income to put money away for the unexpected, save for the future and pay off debt balances (paying more than minimums). Think about your biggest money goals and use this part of your income to reach them.\nBest way to budget\nThe best way to budget is one you can follow. Pick a plan that works for your life and goals. If the 50\/30\/20 budget isn’t realistic for you, maybe a 60\/20\/20 breakdown makes more sense — 60% toward necessities, 20% toward wants and 20% toward savings and retirement.\nYou might have to try a few different budget plans to find one that works for you. Just make sure any plan covers needs, wants and savings.\nTry out a few tools to track your money — like a notebook, a worksheet or an app — and pick the one you'll actually use.\nBy testing what works best for you, you're more likely to find a budget that helps you reach your financial goals.\nExplore more on\nArticle sources\nArticle sources","attrs_markdown":"[Skip to content](https:\/\/www.nerdwallet.com\/finance\/learn\/how-to-budget#main)[![Nerdwallet icon](data:image\/svg+xml;base64,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)![Nerdwallet logo](data:image\/svg+xml,%3Csvg%20xmlns%3D%22http%3A%2F%2Fwww.w3.org%2F2000%2Fsvg%22%20height%3D%2221px%22%20width%3D%22127px%22%20viewBox%3D%22-361.3%20271.3%20128.3%2018.5%22%20aria-hidden%3D%22true%22%20%3E%3Cpath%20fill%3D%22%238DC63F%22%20d%3D%22M-233.4%20279.6h-2.7v5c0%20.6.1%201.1.4%201.4.2.3.7.5%201.3.5.2%200%20.4%200%20.7-.1h.1c.2%200%20.4.1.5.4v2.4c0%20.2-.1.3-.3.4-.2.1-.5.1-.8.2-.5.1-.9.1-1.4.1-.9%200-1.6-.1-2.2-.3-.6-.2-1.1-.5-1.4-.9-.4-.4-.6-.9-.8-1.5-.2-.6-.2-1.2-.2-1.9v-11.7c0-.2.2-.4.4-.4h3c.3%200%20.5.2.5.5l.3%203h2.7c.2%200%20.4.2.4.4v2.4c-.1%200-.3.1-.5.1zm-17.7%204.4c0%20.4.1.7.3%201%20.2.3.4.6.7.8.3.2.6.4%201%20.5.4.1.7.2%201.1.2.7%200%201.3-.1%201.7-.4l.9-.6c.2-.2.4-.2.6%200l1.8%201.9c.2.2.2.5%200%20.6-.5.4-1%20.8-1.6%201.1-1%20.5-2.2.7-3.5.7-1%200-1.9-.2-2.8-.5-.9-.3-1.6-.7-2.3-1.3-.7-.6-1.2-1.3-1.5-2.1-.4-.9-.6-1.8-.6-2.9%200-1.1.2-2%20.5-2.9.4-.9.9-1.6%201.5-2.2.6-.6%201.4-1.1%202.2-1.4.9-.3%201.8-.5%202.8-.5%201%200%201.8.2%202.6.5s1.5.8%202.1%201.4c.6.6%201%201.3%201.3%202.2.3.9.5%201.9.5%203v1h-9.3v-.1zm4.9-4.4c-.4-.5-1.1-.7-1.9-.7-.4%200-.8.1-1.1.2-.3.1-.7.3-.9.5-.3.2-.5.5-.6.8-.2.3-.2.6-.3%201h5.5c-.1-.7-.3-1.3-.7-1.8zm-10.9%209.7h-3.6c-.2%200-.4-.2-.4-.4v-17.3c0-.2.2-.4.4-.4h3.6c.2%200%20.4.2.4.4v17.3c-.1.2-.2.4-.4.4zm-7.2%200h-3.6c-.2%200-.4-.2-.4-.4v-17.3c0-.2.2-.4.4-.4h3.6c.2%200%20.4.2.4.4v17.3c0%20.2-.2.4-.4.4zm-7.1%200h-2.6c-.2%200-.4-.1-.5-.4l-.3-1c-.4.4-1%20.8-1.7%201.1-.6.3-1.3.5-2.1.5h-.7c-1%200-1.8-.2-2.6-.6-.8-.4-1.4-.9-1.9-1.5s-.9-1.4-1.2-2.2c-.3-.8-.4-1.7-.4-2.6%200-.9.1-1.8.4-2.6.3-.8.7-1.5%201.2-2.2.5-.6%201.2-1.1%201.9-1.5.8-.4%201.6-.5%202.5-.5%201.1%200%202%20.2%202.7.5.6.3%201%20.6%201.4.9l.3-1.2c.1-.2.3-.4.5-.4h3c.2%200%20.4.2.4.4v12.7c.1.4-.1.6-.3.6zm-3.9-7.7c-.1-.4-.4-.8-.6-1.1-.3-.3-.6-.6-1-.8-.4-.2-.8-.3-1.3-.3s-.9.1-1.3.3c-.4.2-.7.4-1%20.7-.3.3-.5.7-.6%201.1-.1.4-.2.8-.2%201.2%200%20.4.1.8.2%201.2.1.4.3.8.6%201.1.3.3.6.6%201%20.8.4.2.8.3%201.3.3s.9-.1%201.3-.3c.4-.2.7-.4%201-.8.3-.3.5-.7.6-1.1.1-.4.2-.8.2-1.2%200-.3-.1-.7-.2-1.1zm-14.4%207.4c-.1.2-.2.3-.4.3h-3.8c-.2%200-.3-.1-.4-.3l-2.5-7.8h-.1l-2.4%207.8c0%20.2-.2.3-.4.3h-3.8c-.2%200-.3-.1-.4-.3l-4.2-12.2c-.1-.2.1-.5.4-.5h3.8c.2%200%20.3.1.4.3l2.2%207.9h.1l2.2-7.9c0-.2.2-.3.4-.3h3.7c.2%200%20.3.1.4.3l2.3%207.9h.1l2.2-7.9c0-.2.2-.3.4-.3h3.6c.3%200%20.4.3.4.5l-4.2%2012.2zm-19.5.3h-2.6c-.2%200-.4-.1-.5-.4l-.3-.8c-.4.4-.9.7-1.5%201-.7.4-1.6.5-2.6.6h-.3c-1%200-1.8-.2-2.6-.6-.8-.4-1.4-.9-1.9-1.5s-.9-1.4-1.2-2.2c-.3-.8-.4-1.7-.4-2.6%200-.9.1-1.8.4-2.6.3-.8.7-1.5%201.2-2.2.5-.6%201.2-1.1%201.9-1.5.8-.4%201.6-.5%202.5-.5%201%200%201.8.2%202.4.5.7.4%201.2.8%201.5%201.2h.1v-6.1c0-.2.2-.4.4-.4h3.5c.2%200%20.4.2.4.4v17.3c-.1.2-.2.4-.4.4zm-4-7.7c-.1-.4-.4-.8-.6-1.1-.3-.3-.6-.6-1-.8-.4-.2-.8-.3-1.3-.3s-.9.1-1.3.3c-.4.2-.7.4-1%20.7-.3.3-.5.7-.6%201.1-.1.4-.2.8-.2%201.2%200%20.4.1.8.2%201.2.1.4.3.8.6%201.1.3.3.6.6%201%20.8.4.2.8.3%201.3.3s.9-.1%201.3-.3c.4-.2.7-.4%201-.8.3-.3.5-.7.6-1.1.1-.4.2-.8.2-1.2%200-.3%200-.7-.2-1.1zm-10.2-5.2l-.1%203c0%20.2-.2.4-.4.3h-.7c-.6%200-1.1.1-1.4.3-.4.2-.7.5-.9.8-.2.3-.4.6-.5%201-.1.3-.2.6-.2.9v6.3c0%20.2-.2.4-.4.4h-3.5c-.2%200-.4-.2-.4-.4v-12.2c0-.2.2-.4.4-.4h2.8c.2%200%20.4.2.5.4l.3.9a5%205%200%200%201%201.6-1.1c.2-.1.4-.2.6-.2.5-.2%201-.3%201.5-.3h.6c.1-.1.2.1.2.3zm-19.5%207.6c0%20.4.1.7.3%201%20.2.3.4.6.7.8.3.2.6.4%201%20.5.4.1.7.2%201.1.2.7%200%201.3-.1%201.7-.4l.9-.6c.2-.2.4-.2.6%200l1.8%201.9c.2.2.2.5%200%20.6-.5.4-1%20.8-1.6%201.1-1%20.5-2.2.7-3.5.7-1%200-1.9-.2-2.8-.5-.9-.3-1.6-.7-2.3-1.3-.7-.6-1.2-1.3-1.5-2.1-.4-.9-.6-1.8-.6-2.9%200-1.1.2-2%20.5-2.9.4-.9.9-1.6%201.5-2.2.6-.6%201.4-1.1%202.2-1.4.9-.3%201.8-.5%202.8-.5%201%200%201.8.2%202.6.5s1.5.8%202.1%201.4c.6.6%201%201.3%201.3%202.2.3.9.5%201.9.5%203v1h-9.3v-.1zm4.8-4.4c-.4-.5-1.1-.7-1.9-.7-.4%200-.8.1-1.1.2-.3.1-.7.3-.9.5-.3.2-.5.5-.6.8-.2.3-.2.6-.3%201h5.5c0-.7-.2-1.3-.7-1.8zm-10.7%209.7h-3.6c-.2%200-.4-.2-.4-.4v-6.7c0-.4%200-.7-.1-1l-.3-.9c-.1-.3-.3-.5-.6-.6-.3-.1-.6-.2-1-.2s-.7.1-1%20.2c-.3.1-.5.4-.7.6-.2.3-.3.6-.4.9-.1.3-.1.7-.1%201.1v6.7c0%20.2-.2.4-.4.4h-3.6c-.2%200-.4-.2-.4-.4v-12.2c0-.2.2-.4.4-.4h2.8c.2%200%20.4.1.5.4l.3.8c.4-.4.9-.7%201.5-1%20.7-.3%201.5-.5%202.5-.5h.1c.8%200%201.6.2%202.1.5.6.3%201.1.7%201.5%201.2.4.5.6%201.1.8%201.7.2.6.2%201.3.2%201.9v7.6c.2.1.1.3-.1.3z%22%20%2F%3E%3C%2Fsvg%3E)](https:\/\/www.nerdwallet.com\/)\n\nCredit cards\n\n![Close](data:image\/svg+xml;base64,PHN2ZyB4bWxucz0iaHR0cDovL3d3dy53My5vcmcvMjAwMC9zdmciIHdpZHRoPSIyMiIgaGVpZ2h0PSIyMiIgdmlld0JveD0iMCAwIDUxMiA1MTIiID48cGF0aCBkPSJNNDA1IDEzN0wyODYgMjU2bDExOSAxMTktMzAgMzAtMTE5LTExOS0xMTkgMTE5LTMwLTMwIDExOS0xMTktMTE5LTExOSAzMC0zMCAxMTkgMTE5IDExOS0xMTl6IiAvPjwvc3ZnPg==)\n\nCredit cards[Explore more credit card resources](https:\/\/www.nerdwallet.com\/credit-cards)\n\nBest credit cards\n\n[Best credit cards](https:\/\/www.nerdwallet.com\/credit-cards\/best)[Best credit card bonus offers](https:\/\/www.nerdwallet.com\/credit-cards\/best\/bonus-offers)[Best balance transfer credit cards](https:\/\/www.nerdwallet.com\/credit-cards\/best\/balance-transfer)[Best travel credit cards](https:\/\/www.nerdwallet.com\/credit-cards\/best\/travel)[Best cash back credit cards](https:\/\/www.nerdwallet.com\/credit-cards\/best\/cash-back)[Best 0% APR credit cards](https:\/\/www.nerdwallet.com\/credit-cards\/best\/zero-percent)[Best rewards credit cards](https:\/\/www.nerdwallet.com\/credit-cards\/best\/rewards)[Best airline credit cards](https:\/\/www.nerdwallet.com\/credit-cards\/best\/airline)[Best college student credit cards](https:\/\/www.nerdwallet.com\/credit-cards\/best\/college-student)[Best credit cards for groceries](https:\/\/www.nerdwallet.com\/credit-cards\/best\/groceries)\n\n[Compare credit cards](https:\/\/www.nerdwallet.com\/credit-cards\/compare)\n\nGet a card recommendation\n\n[Travel rewards and perks](https:\/\/www.nerdwallet.com\/recommend\/CreditScore?primaryGoal=travel)[Earn cash back](https:\/\/www.nerdwallet.com\/recommend\/CreditScore?primaryGoal=cashback)[Pay down debt](https:\/\/www.nerdwallet.com\/recommend\/CreditScore?primaryGoal=debt)[Make a big purchase](https:\/\/www.nerdwallet.com\/recommend\/CreditScore?primaryGoal=bigpurchase)[Get your approval odds](https:\/\/www.nerdwallet.com\/m\/credit-cards\/analyze\/get-started)[Card recommendation quiz](https:\/\/www.nerdwallet.com\/prequalify\/credit-cards\/apply\/credit-card-purpose)\n\n[Credit card reviews](https:\/\/www.nerdwallet.com\/credit-cards\/reviews)\n\nCredit card calculators\n\n[Balance transfer savings calculator](https:\/\/www.nerdwallet.com\/credit-cards\/learn\/balance-transfer-calculator)[Credit card interest calculator](https:\/\/www.nerdwallet.com\/credit-cards\/learn\/credit-card-interest-calculator)\n\nGuides and resources\n\n[Get your free credit score](https:\/\/www.nerdwallet.com\/p\/free-credit-score)[Credit card basics](https:\/\/www.nerdwallet.com\/credit-cards\/hubs\/credit-card-basics)[Applying for a credit card](https:\/\/www.nerdwallet.com\/credit-cards\/hubs\/applying-for-a-credit-card)[Choosing a credit card](https:\/\/www.nerdwallet.com\/credit-cards\/hubs\/choosing-a-credit-card)[Managing credit card debt](https:\/\/www.nerdwallet.com\/credit-cards\/hubs\/managing-credit-card-debt)[Credit card resources](https:\/\/www.nerdwallet.com\/credit-cards\/hubs\/credit-card-resources)\n\n[Explore more credit card resources](https:\/\/www.nerdwallet.com\/credit-cards)\n\nBanking\n\n![Close](data:image\/svg+xml;base64,PHN2ZyB4bWxucz0iaHR0cDovL3d3dy53My5vcmcvMjAwMC9zdmciIHdpZHRoPSIyMiIgaGVpZ2h0PSIyMiIgdmlld0JveD0iMCAwIDUxMiA1MTIiID48cGF0aCBkPSJNNDA1IDEzN0wyODYgMjU2bDExOSAxMTktMzAgMzAtMTE5LTExOS0xMTkgMTE5LTMwLTMwIDExOS0xMTktMTE5LTExOSAzMC0zMCAxMTkgMTE5IDExOS0xMTl6IiAvPjwvc3ZnPg==)\n\nBanking[Explore more banking resources](https:\/\/www.nerdwallet.com\/banking)\n\nSavings accounts\n\n[Best high-yield savings accounts](https:\/\/www.nerdwallet.com\/banking\/best\/high-yield-online-savings-accounts)[Best savings accounts](https:\/\/www.nerdwallet.com\/banking\/best\/savings-accounts)[Savings account alternatives](https:\/\/www.nerdwallet.com\/banking\/hubs\/savings-alternatives)[Savings calculator](https:\/\/www.nerdwallet.com\/banking\/calculators\/savings-calculator)[Explore more savings accounts](https:\/\/www.nerdwallet.com\/banking\/hubs\/savings-accounts)\n\nCDs\n\n[Best CD rates](https:\/\/www.nerdwallet.com\/banking\/best\/cd-rates)[Best 3-month CD rates](https:\/\/www.nerdwallet.com\/banking\/best\/3-month-cd-rates)[Best 6-month CD rates](https:\/\/www.nerdwallet.com\/banking\/best\/6-month-cd-rates)[Best 1-year CD rates](https:\/\/www.nerdwallet.com\/banking\/best\/1-year-cd-rates)[Best 3-year CD rates](https:\/\/www.nerdwallet.com\/banking\/best\/3-year-cd-rates)[Best 5-year CD rates](https:\/\/www.nerdwallet.com\/banking\/best\/5-year-cd-rates)[CD calculator](https:\/\/www.nerdwallet.com\/banking\/calculators\/cd-calculator)[Explore more CDs](https:\/\/www.nerdwallet.com\/banking\/hubs\/certificates-of-deposit)\n\nChecking accounts\n\n[Best checking accounts](https:\/\/www.nerdwallet.com\/banking\/best\/checking-accounts)[Best free checking accounts](https:\/\/www.nerdwallet.com\/banking\/best\/free-checking-accounts)[Best online checking accounts](https:\/\/www.nerdwallet.com\/banking\/best\/online-checking-accounts)[Checking account alternatives](https:\/\/www.nerdwallet.com\/banking\/learn\/big-bank-alternatives)[Explore more checking accounts](https:\/\/www.nerdwallet.com\/banking\/hubs\/checking-accounts)\n\nNerdWallet's banking picks\n\n[Best bank bonuses and promotions](https:\/\/www.nerdwallet.com\/banking\/best\/bank-bonuses-and-promotions)[Best online banks](https:\/\/www.nerdwallet.com\/banking\/best\/online-banks)[Best money market accounts](https:\/\/www.nerdwallet.com\/banking\/best\/money-market-accounts)[Best credit unions](https:\/\/www.nerdwallet.com\/banking\/best\/credit-unions)\n\n[Bank reviews](https:\/\/www.nerdwallet.com\/banking\/reviews)\n\nBanking calculators\n\n[Compound interest calculator](https:\/\/www.nerdwallet.com\/banking\/calculators\/compound-interest-calculator)[Emergency fund calculator](https:\/\/www.nerdwallet.com\/banking\/learn\/emergency-fund-calculator)\n\n[Explore more banking resources](https:\/\/www.nerdwallet.com\/banking)\n\nHome\n\n![Close](data:image\/svg+xml;base64,PHN2ZyB4bWxucz0iaHR0cDovL3d3dy53My5vcmcvMjAwMC9zdmciIHdpZHRoPSIyMiIgaGVpZ2h0PSIyMiIgdmlld0JveD0iMCAwIDUxMiA1MTIiID48cGF0aCBkPSJNNDA1IDEzN0wyODYgMjU2bDExOSAxMTktMzAgMzAtMTE5LTExOS0xMTkgMTE5LTMwLTMwIDExOS0xMTktMTE5LTExOSAzMC0zMCAxMTkgMTE5IDExOS0xMTl6IiAvPjwvc3ZnPg==)\n\nHome[Explore more home resources](https:\/\/www.nerdwallet.com\/mortgages)\n\nMortgage rates\n\n[Today's mortgage rates](https:\/\/www.nerdwallet.com\/mortgages\/mortgage-rates)[30 year mortgage rates](https:\/\/www.nerdwallet.com\/mortgages\/mortgage-rates\/30-year-fixed)[5-year ARM rates](https:\/\/www.nerdwallet.com\/mortgages\/mortgage-rates\/5-1-arm)[FHA mortgage rates](https:\/\/www.nerdwallet.com\/mortgages\/mortgage-rates\/fha)[VA mortgage rates](https:\/\/www.nerdwallet.com\/mortgages\/mortgage-rates\/va)[Best mortgage lenders](https:\/\/www.nerdwallet.com\/mortgages\/best\/mortgage-lenders)\n\nBest mortgage lenders\n\n[Best mortgage lenders](https:\/\/www.nerdwallet.com\/mortgages\/best\/mortgage-lenders)[Best lenders for FHA loans](https:\/\/www.nerdwallet.com\/mortgages\/best\/lenders-for-fha-loans)[Best lenders for low- and no-down-payment](https:\/\/www.nerdwallet.com\/mortgages\/best\/no-and-low-down-payment-lenders)[Best VA mortgage lenders](https:\/\/www.nerdwallet.com\/mortgages\/best\/va-mortgage-lenders)\n\nRefinance and HELOC\n\n[Today's refinance rates](https:\/\/www.nerdwallet.com\/mortgages\/refinance-rates)[Best refinance lenders](https:\/\/www.nerdwallet.com\/mortgages\/best\/refinance-lenders)[30-year fixed refinance rates](https:\/\/www.nerdwallet.com\/mortgages\/refinance-rates)[15-year fixed refinance rates](https:\/\/www.nerdwallet.com\/mortgages\/mortgage-rates\/15-year-fixed)[Best cash-out refinance lenders](https:\/\/www.nerdwallet.com\/mortgages\/best\/cash-out-refinance-lenders)[Best HELOC Lenders](https:\/\/www.nerdwallet.com\/mortgages\/best\/heloc-lenders)\n\nBuying a home\n\n[Compare top mortgage lenders](https:\/\/www.nerdwallet.com\/mortgages\/top-mortgage-lenders)[First-time homebuyers guide](https:\/\/www.nerdwallet.com\/mortgages\/hubs\/first-time-homebuyers)[How much can I borrow mortgage calculator](https:\/\/www.nerdwallet.com\/mortgages\/calculators\/how-much-can-i-borrow)[Mortgage lender reviews](https:\/\/www.nerdwallet.com\/mortgages\/reviews)\n\nHomeownership\n\n[Home improvement](https:\/\/www.nerdwallet.com\/home-ownership)[Home value](https:\/\/www.nerdwallet.com\/mortgages\/learn\/how-to-determine-home-value)[Home insurance](https:\/\/www.nerdwallet.com\/insurance\/homeowners)[Explore more homeownership resources](https:\/\/www.nerdwallet.com\/home-ownership)\n\nHome calculators\n\n[Mortgage calculator](https:\/\/www.nerdwallet.com\/mortgages\/calculators\/mortgage-calculator)[Down payment calculator](https:\/\/www.nerdwallet.com\/mortgages\/learn\/how-much-down-payment-for-house)[How much house can I afford calculator](https:\/\/www.nerdwallet.com\/mortgages\/calculators\/how-much-house-can-i-afford)[Closing costs calculator](https:\/\/www.nerdwallet.com\/mortgages\/calculators\/closing-costs)[Cost of living calculator](https:\/\/www.nerdwallet.com\/cost-of-living-calculator)[Mortgage amortization calculator](https:\/\/www.nerdwallet.com\/mortgages\/calculators\/amortization)[Refinance calculator](https:\/\/www.nerdwallet.com\/mortgages\/calculators\/refinance-calculator)[Rent vs buy calculator](https:\/\/www.nerdwallet.com\/mortgages\/calculators\/rent-vs-buy-calculator)\n\n[First-time homebuyer's guide](https:\/\/www.nerdwallet.com\/mortgages\/hubs\/first-time-homebuyers)\n\n[Today's mortgage news](https:\/\/www.nerdwallet.com\/mortgages\/news)\n\n[Explore more home resources](https:\/\/www.nerdwallet.com\/mortgages)\n\nLoans\n\n![Close](data:image\/svg+xml;base64,PHN2ZyB4bWxucz0iaHR0cDovL3d3dy53My5vcmcvMjAwMC9zdmciIHdpZHRoPSIyMiIgaGVpZ2h0PSIyMiIgdmlld0JveD0iMCAwIDUxMiA1MTIiID48cGF0aCBkPSJNNDA1IDEzN0wyODYgMjU2bDExOSAxMTktMzAgMzAtMTE5LTExOS0xMTkgMTE5LTMwLTMwIDExOS0xMTktMTE5LTExOSAzMC0zMCAxMTkgMTE5IDExOS0xMTl6IiAvPjwvc3ZnPg==)\n\nLoans\n\nPersonal loans\n\n[Pre-qualify for a personal loan](https:\/\/www.nerdwallet.com\/personal-loans\/pre-qualify)[Compare top lenders](https:\/\/www.nerdwallet.com\/personal-loans)[Personal loan reviews](https:\/\/www.nerdwallet.com\/personal-loans\/reviews)[Personal loan calculator](https:\/\/www.nerdwallet.com\/personal-loans\/calculators\/loan-payment)[How to qualify](https:\/\/www.nerdwallet.com\/personal-loans\/learn\/what-are-the-requirements-for-a-personal-loan)[How to consolidate credit card debt](https:\/\/www.nerdwallet.com\/personal-loans\/learn\/how-to-consolidate-credit-card-debt)[Average personal loan interest rates](https:\/\/www.nerdwallet.com\/personal-loans\/learn\/average-personal-loan-rates)[Explore more personal loan resources](https:\/\/www.nerdwallet.com\/personal-loans\/learn)\n\nNerdWallet's Picks[Best personal loans](https:\/\/www.nerdwallet.com\/personal-loans)[Best debt consolidation loans](https:\/\/www.nerdwallet.com\/personal-loans\/best\/debt-consolidation-loans)[Best loans for bad credit](https:\/\/www.nerdwallet.com\/personal-loans\/best\/bad-credit-loans)[Best home improvement loans](https:\/\/www.nerdwallet.com\/personal-loans\/best\/home-improvement-loans)\n\nStudent loans\n\n[Paying for college](https:\/\/www.nerdwallet.com\/student-loans\/hubs\/paying-for-college)[FAFSA and federal student aid](https:\/\/www.nerdwallet.com\/student-loans\/hubs\/fafsa-and-federal-student-aid)[Taking out student loans](https:\/\/www.nerdwallet.com\/student-loans\/learn\/how-to-get-student-loan)[Paying off student loans](https:\/\/www.nerdwallet.com\/student-loans\/learn\/pay-off-student-loans-fast)[Student loan refinance](https:\/\/www.nerdwallet.com\/student-loans\/refinancing)[Student loan interest rates](https:\/\/www.nerdwallet.com\/student-loans\/learn\/student-loan-interest-rates)[Student loan calculator](https:\/\/www.nerdwallet.com\/student-loans\/learn\/student-loan-calculator)[Explore more student loan resources](https:\/\/www.nerdwallet.com\/student-loans)\n\nNerdWallet's Picks[Best private student loans](https:\/\/www.nerdwallet.com\/student-loans\/best\/private-student-loans)[Best graduate school loans](https:\/\/www.nerdwallet.com\/student-loans\/best\/graduate-school-loans)[Best student refinance lenders](https:\/\/www.nerdwallet.com\/student-loans\/best\/student-loan-refinance-companies)[Best parent loans for college](https:\/\/www.nerdwallet.com\/student-loans\/best\/parent-loans-college)\n\nAuto loans\n\n[Best auto loans for good and bad credit](https:\/\/www.nerdwallet.com\/auto-loans\/best\/auto-loans-for-good-fair-and-bad-credit)[Best auto loans refinance loans](https:\/\/www.nerdwallet.com\/auto-loans\/best\/refinance-car-loan)[Best lease buyout loans](https:\/\/www.nerdwallet.com\/auto-loans\/best\/lease-buyout-loans)[Explore more auto loan resources](https:\/\/www.nerdwallet.com\/auto-loans)\n\nAuto loan calculators[Auto loan calculator](https:\/\/www.nerdwallet.com\/auto-loans\/calculators\/auto-loan-calculator)[Auto loans refinance calculator](https:\/\/www.nerdwallet.com\/auto-loans\/calculators\/auto-loan-refinance-calculator)[Total car cost calculator](https:\/\/www.nerdwallet.com\/auto-loans\/learn\/total-cost-owning-car)\n\nInsurance\n\n![Close](data:image\/svg+xml;base64,PHN2ZyB4bWxucz0iaHR0cDovL3d3dy53My5vcmcvMjAwMC9zdmciIHdpZHRoPSIyMiIgaGVpZ2h0PSIyMiIgdmlld0JveD0iMCAwIDUxMiA1MTIiID48cGF0aCBkPSJNNDA1IDEzN0wyODYgMjU2bDExOSAxMTktMzAgMzAtMTE5LTExOS0xMTkgMTE5LTMwLTMwIDExOS0xMTktMTE5LTExOSAzMC0zMCAxMTkgMTE5IDExOS0xMTl6IiAvPjwvc3ZnPg==)\n\nInsurance[Explore more insurance resources](https:\/\/www.nerdwallet.com\/insurance)\n\nAuto insurance\n\n[Compare car insurance quotes](https:\/\/www.nerdwallet.com\/insurance\/auto\/car-insurance)[Best car insurance companies](https:\/\/www.nerdwallet.com\/insurance\/auto\/best-car-insurance-companies)[Cheapest car insurance companies](https:\/\/www.nerdwallet.com\/insurance\/auto\/cheapest-car-insurance)[Car insurance reviews](https:\/\/www.nerdwallet.com\/insurance\/auto\/hubs\/car-insurance-reviews)[Auto insurance calculator](https:\/\/www.nerdwallet.com\/insurance\/auto\/car-insurance-calculator)[Explore more auto insurance resources](https:\/\/www.nerdwallet.com\/insurance\/auto)\n\nCheapest car insurance by state[California car insurance](https:\/\/www.nerdwallet.com\/insurance\/auto\/cheap-car-insurance-california)[Texas car insurance](https:\/\/www.nerdwallet.com\/insurance\/auto\/cheap-car-insurance-texas)[New York car insurance](https:\/\/www.nerdwallet.com\/insurance\/auto\/cheap-car-insurance-new-york)[Georgia car insurance](https:\/\/www.nerdwallet.com\/insurance\/auto\/cheap-car-insurance-georgia)[Michigan car insurance](https:\/\/www.nerdwallet.com\/insurance\/auto\/cheap-car-insurance-michigan)[Washington car insurance](https:\/\/www.nerdwallet.com\/insurance\/auto\/cheap-car-insurance-washington)\n\nLife insurance\n\n[Compare life insurance quotes](https:\/\/www.nerdwallet.com\/insurance\/life\/life-insurance-quotes)[Best life insurance companies](https:\/\/www.nerdwallet.com\/insurance\/life\/best-life-insurance-companies)[Choosing a life insurance policy](https:\/\/www.nerdwallet.com\/insurance\/life\/life-insurance-policies)[Life insurance reviews](https:\/\/www.nerdwallet.com\/insurance\/life\/hubs\/life-insurance-reviews)[Life insurance calculator](https:\/\/www.nerdwallet.com\/insurance\/life\/learn\/how-much-life-insurance-do-i-need)[Explore more life insurance resources](https:\/\/www.nerdwallet.com\/insurance\/life)\n\nNerdWallet's Picks[Best term life insurance](https:\/\/www.nerdwallet.com\/insurance\/life\/best-term-life-insurance)[Best whole life insurance](https:\/\/www.nerdwallet.com\/insurance\/life\/best-whole-life-insurance)[Best life insurance for seniors](https:\/\/www.nerdwallet.com\/insurance\/life\/best-senior-life-insurance)[Best burial insurance](https:\/\/www.nerdwallet.com\/insurance\/life\/best-burial-insurance)[Best instant life insurance](https:\/\/www.nerdwallet.com\/insurance\/life\/best-instant-life-insurance)\n\nHome insurance\n\n[Compare home insurance quotes](https:\/\/www.nerdwallet.com\/insurance\/homeowners\/home-insurance-quotes)[Best home insurance companies](https:\/\/www.nerdwallet.com\/insurance\/homeowners\/best-home-insurance-companies)[Home insurance reviews](https:\/\/www.nerdwallet.com\/insurance\/homeowners\/hubs\/home-insurance-reviews)[Home insurance calculator](https:\/\/www.nerdwallet.com\/insurance\/homeowners\/home-insurance-calculator)[Home insurance costs](https:\/\/www.nerdwallet.com\/insurance\/homeowners\/learn\/average-homeowners-insurance-cost)[Explore more home insurance resources](https:\/\/www.nerdwallet.com\/insurance\/homeowners)\n\nHome insurance by state[Best home insurance in New York](https:\/\/www.nerdwallet.com\/insurance\/homeowners\/new-york-home-insurance)[Best home insurance in Arizona](https:\/\/www.nerdwallet.com\/insurance\/homeowners\/arizona-home-insurance)[Best home insurance in Massachusetts](https:\/\/www.nerdwallet.com\/insurance\/homeowners\/massachusetts-home-insurance)[Best home insurance in Virginia](https:\/\/www.nerdwallet.com\/insurance\/homeowners\/virginia-home-insurance)[Best home insurance in New Hampshire](https:\/\/www.nerdwallet.com\/insurance\/homeowners\/new-hampshire-home-insurance)\n\nPet insurance\n\n[Best pet insurance](https:\/\/www.nerdwallet.com\/insurance\/pet\/best-pet-insurance-companies)[Cheapest pet insurance](https:\/\/www.nerdwallet.com\/insurance\/pet\/cheap-pet-insurance)[What pet insurance covers](https:\/\/www.nerdwallet.com\/insurance\/pet\/learn\/pet-insurance-coverage)[Pet insurance costs](https:\/\/www.nerdwallet.com\/insurance\/pet\/learn\/cost-of-pet-insurance)[Explore more pet insurance resources](https:\/\/www.nerdwallet.com\/insurance\/pet)\n\nMedicare\n\n[How Medicare works](https:\/\/www.nerdwallet.com\/insurance\/medicare\/learn\/what-is-medicare)[Medicare eligibility](https:\/\/www.nerdwallet.com\/insurance\/medicare\/learn\/medicare-eligibility)[How to sign up for Medicare](https:\/\/www.nerdwallet.com\/insurance\/medicare\/learn\/how-do-i-sign-up-for-medicare)[Medicare costs](https:\/\/www.nerdwallet.com\/insurance\/medicare\/learn\/medicare-premiums-and-deductibles)[What's covered under Medicare](https:\/\/www.nerdwallet.com\/insurance\/medicare\/learn\/what-is-medicare)[Explore more Medicare resources](https:\/\/www.nerdwallet.com\/insurance\/medicare)\n\nNerdWallet's Picks[Best Medicare Advantage plans](https:\/\/www.nerdwallet.com\/insurance\/medicare\/best-medicare-advantage-plans)[Best Medigap companies](https:\/\/www.nerdwallet.com\/insurance\/medicare\/best-medigap-insurance-companies)[Best Medigap Plan G companies](https:\/\/www.nerdwallet.com\/insurance\/medicare\/best-medigap-plan-g-companies)[Best Medicare Part D plans](https:\/\/www.nerdwallet.com\/insurance\/medicare\/best-medicare-part-d-plans)[Best Medicare dental plans](https:\/\/www.nerdwallet.com\/insurance\/medicare\/best-medicare-dental-plans)\n\nRenters insurance\n\n[Best renters insurance](https:\/\/www.nerdwallet.com\/insurance\/renters\/best-renters-insurance-companies)[Cheapest renters insurance](https:\/\/www.nerdwallet.com\/insurance\/renters\/cheap-renters-insurance)[Explore more renters insurance resources](https:\/\/www.nerdwallet.com\/insurance\/renters)\n\n[Explore more insurance resources](https:\/\/www.nerdwallet.com\/insurance)\n\nPersonal finance\n\n![Close](data:image\/svg+xml;base64,PHN2ZyB4bWxucz0iaHR0cDovL3d3dy53My5vcmcvMjAwMC9zdmciIHdpZHRoPSIyMiIgaGVpZ2h0PSIyMiIgdmlld0JveD0iMCAwIDUxMiA1MTIiID48cGF0aCBkPSJNNDA1IDEzN0wyODYgMjU2bDExOSAxMTktMzAgMzAtMTE5LTExOS0xMTkgMTE5LTMwLTMwIDExOS0xMTktMTE5LTExOSAzMC0zMCAxMTkgMTE5IDExOS0xMTl6IiAvPjwvc3ZnPg==)\n\nPersonal finance[Explore more resources](https:\/\/www.nerdwallet.com\/finance)\n\nTracking credit\n\n[Get your free credit score](https:\/\/www.nerdwallet.com\/p\/free-credit-score)[Your credit report](https:\/\/www.nerdwallet.com\/finance\/learn\/how-to-use-annualcreditreport-com)[Understanding your credit score](https:\/\/www.nerdwallet.com\/finance\/hubs\/the-ultimate-credit-score-guide)[Using your credit](https:\/\/www.nerdwallet.com\/finance\/learn\/how-is-credit-utilization-ratio-calculated)[Improving your credit](https:\/\/www.nerdwallet.com\/finance\/learn\/how-to-build-credit)[Protecting your credit](https:\/\/www.nerdwallet.com\/finance\/learn\/how-to-freeze-credit)\n\nManaging money\n\n[Saving money](https:\/\/www.nerdwallet.com\/finance\/learn\/how-to-save-money)[Handling bills and expenses](https:\/\/www.nerdwallet.com\/finance\/learn\/tracking-monthly-expenses)[Shopping](https:\/\/www.nerdwallet.com\/finance\/hubs\/shopping)[Financial health](https:\/\/www.nerdwallet.com\/finance\/learn\/financial-health)[Savings goal calculator](https:\/\/www.nerdwallet.com\/finance\/learn\/savings-goal-calculator)[Net worth calculator](https:\/\/www.nerdwallet.com\/investing\/calculators\/net-worth-calculator)[Explore more money management](https:\/\/www.nerdwallet.com\/finance\/hubs\/money-management)\n\nNerdWallet's budgeting basics[Budgeting](https:\/\/www.nerdwallet.com\/finance\/learn\/how-to-budget)[Free budget worksheet](https:\/\/www.nerdwallet.com\/finance\/learn\/budget-worksheet)[How to budget](https:\/\/www.nerdwallet.com\/finance\/learn\/how-to-budget)[The best budget apps](https:\/\/www.nerdwallet.com\/finance\/learn\/best-budget-apps)[Budget calculator](https:\/\/www.nerdwallet.com\/finance\/calculators\/nerdwallet-budget-calculator)[Cost of living calculator](https:\/\/www.nerdwallet.com\/cost-of-living-calculator)\n\nMaking money\n\n[Gig work](https:\/\/www.nerdwallet.com\/finance\/learn\/what-is-the-gig-economy)[Making money online](https:\/\/www.nerdwallet.com\/finance\/learn\/game-apps-pay-real-money)[Explore more money making resources](https:\/\/www.nerdwallet.com\/finance\/hubs\/making-money)\n\nManaging debt\n\n[Paying debt](https:\/\/www.nerdwallet.com\/personal-loans\/learn\/pay-off-debt)[Dealing with debt collection](https:\/\/www.nerdwallet.com\/finance\/learn\/how-to-deal-with-debt-collectors)[Debt relief](https:\/\/www.nerdwallet.com\/personal-loans\/learn\/find-debt-relief)[Explore more debt management resources](https:\/\/www.nerdwallet.com\/finance\/hubs\/paying-off-debt)\n\nTravel\n\n[Best travel credit cards](https:\/\/www.nerdwallet.com\/credit-cards\/best\/travel)[Travel insurance](https:\/\/www.nerdwallet.com\/travel\/hubs\/travel-insurance)[Explore more travel resources](https:\/\/www.nerdwallet.com\/travel)\n\n[Explore more resources](https:\/\/www.nerdwallet.com\/finance)\n\nInvesting\n\n![Close](data:image\/svg+xml;base64,PHN2ZyB4bWxucz0iaHR0cDovL3d3dy53My5vcmcvMjAwMC9zdmciIHdpZHRoPSIyMiIgaGVpZ2h0PSIyMiIgdmlld0JveD0iMCAwIDUxMiA1MTIiID48cGF0aCBkPSJNNDA1IDEzN0wyODYgMjU2bDExOSAxMTktMzAgMzAtMTE5LTExOS0xMTkgMTE5LTMwLTMwIDExOS0xMTktMTE5LTExOSAzMC0zMCAxMTkgMTE5IDExOS0xMTl6IiAvPjwvc3ZnPg==)\n\nInvesting[Explore more investing resources](https:\/\/www.nerdwallet.com\/investing)\n\nBest investment accounts\n\n[Best brokerage accounts](https:\/\/www.nerdwallet.com\/investing\/best\/online-brokers-for-stock-trading)[Best robo-advisors](https:\/\/www.nerdwallet.com\/investing\/best\/robo-advisors)[Best trading platforms](https:\/\/www.nerdwallet.com\/investing\/best\/online-brokers-platforms-for-day-trading)[Best online brokers for beginners](https:\/\/www.nerdwallet.com\/investing\/best\/online-brokers-for-beginners)[Best Roth IRA accounts](https:\/\/www.nerdwallet.com\/retirement\/best\/roth-ira-accounts)[Best IRA accounts](https:\/\/www.nerdwallet.com\/retirement\/best\/ira-accounts)[Best investing apps](https:\/\/www.nerdwallet.com\/investing\/best\/investment-apps)[Explore more investment accounts](https:\/\/www.nerdwallet.com\/investing\/reviews)\n\nInvestments\n\n[Best investments right now](https:\/\/www.nerdwallet.com\/investing\/learn\/the-best-investments-right-now)[Stocks](https:\/\/www.nerdwallet.com\/investing\/hubs\/stocks)[Funds](https:\/\/www.nerdwallet.com\/investing\/learn\/how-to-invest-in-mutual-funds)[Bonds](https:\/\/www.nerdwallet.com\/investing\/hubs\/bonds)[Cryptocurrency](https:\/\/www.nerdwallet.com\/investing\/hubs\/cryptocurrency)[Real estate and alternative investments](https:\/\/www.nerdwallet.com\/investing\/hubs\/real-estate-alternative-investments)\n\nRetirement\n\n[Roth IRA basics](https:\/\/www.nerdwallet.com\/retirement\/learn\/what-is-a-roth-ira)[IRA basics](https:\/\/www.nerdwallet.com\/retirement\/learn\/learn-about-ira-accounts)[401(k)s](https:\/\/www.nerdwallet.com\/retirement\/learn\/what-is-a-401k)[Self-employed retirement plans](https:\/\/www.nerdwallet.com\/retirement\/learn\/retirement-plans-self-employed)[Social Security](https:\/\/www.nerdwallet.com\/investing\/hubs\/social-security)[Explore more retirement resources](https:\/\/www.nerdwallet.com\/retirement)\n\nInvesting and retirement calculators\n\n[Retirement calculator](https:\/\/www.nerdwallet.com\/investing\/calculators\/retirement-calculator)[401(k) calculator](https:\/\/www.nerdwallet.com\/retirement\/calculators\/401k-calculator)[Roth IRA calculator](https:\/\/www.nerdwallet.com\/investing\/calculators\/roth-ira-calculator)[Investment return calculator](https:\/\/www.nerdwallet.com\/investing\/calculators\/investment-calculator)[Social Security benefits calculator](https:\/\/www.nerdwallet.com\/investing\/calculators\/social-security-calculator)[Inflation calculator](https:\/\/www.nerdwallet.com\/finance\/calculators\/inflation-calculator)\n\nFinancial advisors\n\n[Best financial advisors](https:\/\/www.nerdwallet.com\/financial-advisors\/best)[How to choose a financial advisor](https:\/\/www.nerdwallet.com\/financial-advisors\/learn\/how-to-choose-a-financial-advisor)[Financial advisor fees](https:\/\/www.nerdwallet.com\/financial-advisors\/learn\/how-much-does-a-financial-advisor-cost)\n\n[Explore more investing resources](https:\/\/www.nerdwallet.com\/investing)\n\nSmall business\n\n![Close](data:image\/svg+xml;base64,PHN2ZyB4bWxucz0iaHR0cDovL3d3dy53My5vcmcvMjAwMC9zdmciIHdpZHRoPSIyMiIgaGVpZ2h0PSIyMiIgdmlld0JveD0iMCAwIDUxMiA1MTIiID48cGF0aCBkPSJNNDA1IDEzN0wyODYgMjU2bDExOSAxMTktMzAgMzAtMTE5LTExOS0xMTkgMTE5LTMwLTMwIDExOS0xMTktMTE5LTExOSAzMC0zMCAxMTkgMTE5IDExOS0xMTl6IiAvPjwvc3ZnPg==)\n\nSmall business[Explore more small-business resources](https:\/\/www.nerdwallet.com\/business)\n\nFunding your business\n\n[Small-business loans](https:\/\/www.nerdwallet.com\/business\/loans\/best)[SBA loans](https:\/\/www.nerdwallet.com\/business\/loans\/learn\/sba-loans)[Business lines of credit](https:\/\/www.nerdwallet.com\/business\/loans\/best\/business-line-of-credit)[Business grants](https:\/\/www.nerdwallet.com\/business\/loans\/learn\/small-business-grants)[Startup business loans](https:\/\/www.nerdwallet.com\/business\/loans\/learn\/startup-business-loans)\n\nResources and Tools[Business loan rates](https:\/\/www.nerdwallet.com\/business\/loans\/learn\/rates-fees)[SBA loan rates](https:\/\/www.nerdwallet.com\/business\/loans\/learn\/sba-loan-rates)[Business loan calculator](https:\/\/www.nerdwallet.com\/business\/loans\/calculators\/business-loan)[SBA loan calculator](https:\/\/www.nerdwallet.com\/business\/loans\/calculators\/sba-loan)\n\nManaging business finances\n\n[Business bank accounts](https:\/\/www.nerdwallet.com\/business\/banking\/best\/types)[Business credit cards](https:\/\/www.nerdwallet.com\/business\/credit-cards\/best)[Accounting software](https:\/\/www.nerdwallet.com\/business\/software\/best\/accounting-software)[Business taxes](https:\/\/www.nerdwallet.com\/business\/taxes)\n\nExplore business credit cards[Best 0% APR business credit cards](https:\/\/www.nerdwallet.com\/business\/credit-cards\/best\/zero-percent-apr)[Best cash-back business credit cards](https:\/\/www.nerdwallet.com\/business\/credit-cards\/best\/cash-back)[Best travel business credit cards](https:\/\/www.nerdwallet.com\/business\/credit-cards\/best\/travel)[Best startup business credit cards](https:\/\/www.nerdwallet.com\/business\/credit-cards\/best\/startups)[Best LLC business credit cards](https:\/\/www.nerdwallet.com\/business\/credit-cards\/best\/llc)[Best business credit cards for gas](https:\/\/www.nerdwallet.com\/business\/credit-cards\/best\/gas)\n\nStarting a business\n\n[How to start a business](https:\/\/www.nerdwallet.com\/business\/learn\/how-to-start-a-business)[Business ideas](https:\/\/www.nerdwallet.com\/business\/hubs\/business-ideas)[Writing a business plan](https:\/\/www.nerdwallet.com\/business\/learn\/how-to-write-a-business-plan)[Entrepreneurship](https:\/\/www.nerdwallet.com\/business\/hubs\/entrepreneurship)\n\nRunning your business\n\n[Payment processing companies](https:\/\/www.nerdwallet.com\/business\/software\/best\/payment-processing-companies)[Business insurance](https:\/\/www.nerdwallet.com\/business\/insurance\/best)[Business legal](https:\/\/www.nerdwallet.com\/business\/legal)\n\n[Explore more small-business resources](https:\/\/www.nerdwallet.com\/business)\n\nTaxes\n\n![Close](data:image\/svg+xml;base64,PHN2ZyB4bWxucz0iaHR0cDovL3d3dy53My5vcmcvMjAwMC9zdmciIHdpZHRoPSIyMiIgaGVpZ2h0PSIyMiIgdmlld0JveD0iMCAwIDUxMiA1MTIiID48cGF0aCBkPSJNNDA1IDEzN0wyODYgMjU2bDExOSAxMTktMzAgMzAtMTE5LTExOS0xMTkgMTE5LTMwLTMwIDExOS0xMTktMTE5LTExOSAzMC0zMCAxMTkgMTE5IDExOS0xMTl6IiAvPjwvc3ZnPg==)\n\nTaxes[Explore more tax resources](https:\/\/www.nerdwallet.com\/taxes)\n\nTax brackets and rates\n\n[Tax brackets](https:\/\/www.nerdwallet.com\/taxes\/learn\/federal-income-tax-brackets)[Capital gains tax rates](https:\/\/www.nerdwallet.com\/taxes\/learn\/capital-gains-tax-rates)[State tax rates](https:\/\/www.nerdwallet.com\/taxes\/learn\/state-income-tax-rates)\n\nTax calculators\n\n[Federal income tax calculator](https:\/\/www.nerdwallet.com\/taxes\/calculators\/tax-calculator)[Capital gains tax calculator](https:\/\/www.nerdwallet.com\/taxes\/calculators\/capital-gains-tax-calculator)\n\nTax preparation and filing\n\n[Tax withholding](https:\/\/www.nerdwallet.com\/taxes\/learn\/how-to-fill-out-form-w4-guide)[Tax credits and deductions](https:\/\/www.nerdwallet.com\/taxes\/learn\/tax-deductions-tax-breaks)[Choosing a filing status](https:\/\/www.nerdwallet.com\/taxes\/learn\/how-to-choose-tax-filing-status)[Free tax filing](https:\/\/www.nerdwallet.com\/taxes\/learn\/free-tax-filing-how-to-file-taxes-for-free)[Best tax software](https:\/\/www.nerdwallet.com\/taxes\/reviews)\n\nSolving tax issues\n\n[Tax extensions](https:\/\/www.nerdwallet.com\/taxes\/learn\/how-to-get-tax-extension-online)[Filing past-due returns](https:\/\/www.nerdwallet.com\/taxes\/learn\/back-taxes-past-due-returns)[IRS payment plans](https:\/\/www.nerdwallet.com\/taxes\/learn\/how-to-set-up-irs-payment-plan)[Tax debt relief and resolution](https:\/\/www.nerdwallet.com\/taxes\/learn\/tax-relief-back-taxes)\n\n[Explore more tax resources](https:\/\/www.nerdwallet.com\/taxes)\n\n![Search](data:image\/svg+xml,%3Csvg%20xmlns%3D%22http%3A%2F%2Fwww.w3.org%2F2000%2Fsvg%22%20width%3D%2220%22%20height%3D%2220%22%20viewBox%3D%221518%20257.8%20100%20100%22%20%3E%3Cpath%20fill%3D%22currentColor%22%20d%3D%22M1591.5%20324.2c5.8-7.5%208.7-15.9%208.7-25.3%200-5.5-1-10.7-3.1-15.8-2.1-5-5.1-9.5-9-13.3-3.9-3.9-8.3-6.8-13.3-8.9s-10.3-3.1-15.8-3.1-10.7%201-15.7%203.1-9.5%205-13.4%208.9c-3.9%203.9-6.8%208.3-8.9%2013.3-2.1%205-3.1%2010.3-3.1%2015.8s1%2010.7%203.1%2015.8c2.1%205%205%209.5%208.9%2013.3%203.9%203.9%208.4%206.8%2013.4%208.9s10.2%203.1%2015.7%203.1c9.4%200%2017.9-2.9%2025.3-8.7l26.5%2026.5%207.1-7.1-26.4-26.5zm-63.5-25.3c0-8.6%203-15.9%209.1-22%206-6%2013.4-9.1%2022-9.1s15.9%203%2022%209.1c6%206.1%209.1%2013.5%209.1%2022%200%208.6-3%2015.9-9.1%2022s-13.4%209.1-22%209.1-15.9-3-22-9.1-9.1-13.4-9.1-22z%22%20%2F%3E%3C%2Fsvg%3E)\n\n![Close](data:image\/svg+xml;base64,PHN2ZyB4bWxucz0iaHR0cDovL3d3dy53My5vcmcvMjAwMC9zdmciIHdpZHRoPSIyMiIgaGVpZ2h0PSIyMiIgdmlld0JveD0iMCAwIDUxMiA1MTIiID48cGF0aCBkPSJNNDA1IDEzN0wyODYgMjU2bDExOSAxMTktMzAgMzAtMTE5LTExOS0xMTkgMTE5LTMwLTMwIDExOS0xMTktMTE5LTExOSAzMC0zMCAxMTkgMTE5IDExOS0xMTl6IiAvPjwvc3ZnPg==)\n\n[Sign In](https:\/\/www.nerdwallet.com\/api\/nts\/v1\/login?initialScreen=signin&redirectTo=https%3A%2F%2Fwww.nerdwallet.com%2Ffinance%2Flearn%2Fhow-to-budget)[JoinSign Up](https:\/\/www.nerdwallet.com\/api\/nts\/v1\/login?initialScreen=signup&redirectTo=https%3A%2F%2Fwww.nerdwallet.com%2Ffinance%2Flearn%2Fhow-to-budget)\n\n![Notifications](data:image\/svg+xml,%3Csvg%20xmlns%3D%22http%3A%2F%2Fwww.w3.org%2F2000%2Fsvg%22%20width%3D%2220%22%20height%3D%2220%22%20viewBox%3D%220%200%2016%2016%22%20aria-hidden%3D%22true%22%20fill%3D%22currentcolor%22%20focusable%3D%22false%22%20%3E%3Cpath%20fill-rule%3D%22evenodd%22%20clip-rule%3D%22evenodd%22%20d%3D%22M11.55%207.335c0%201.982.704%202.685%201.145%203.125.037.037.072.071.104.105a.616.616%200%2001.201.438c.004.354-.29.666-.737.666H9.33c0%20.748-.586%201.33-1.32%201.33-.754%200-1.34-.582-1.34-1.33H3.714c-.446%200-.714-.312-.714-.667%200-.145.045-.312.179-.437l.103-.105c.442-.44%201.147-1.143%201.147-3.125%200-1.605%201.205-2.897%202.857-3.23v-.438C7.286%203.313%207.598%203%208%203c.38%200%20.692.313.692.667v.438c1.652.333%202.857%201.625%202.857%203.23zm-7.054%203.334c.468-.563%201.017-1.542%201.01-3.313v-.021C5.506%206.063%206.616%205%208%205c1.362%200%202.5%201.062%202.5%202.334l-.002.02c0%201.772.515%202.751.984%203.314H4.496z%22%20%3E%3C%2Fpath%3E%3C%2Fsvg%3E)\n\n![Close](data:image\/svg+xml;base64,PHN2ZyB4bWxucz0iaHR0cDovL3d3dy53My5vcmcvMjAwMC9zdmciIHdpZHRoPSIyMiIgaGVpZ2h0PSIyMiIgdmlld0JveD0iMCAwIDUxMiA1MTIiID48cGF0aCBkPSJNNDA1IDEzN0wyODYgMjU2bDExOSAxMTktMzAgMzAtMTE5LTExOS0xMTkgMTE5LTMwLTMwIDExOS0xMTktMTE5LTExOSAzMC0zMCAxMTkgMTE5IDExOS0xMTl6IiAvPjwvc3ZnPg==)\n\n[![](data:image\/svg+xml;base64,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)My NerdWallet](https:\/\/www.nerdwallet.com\/home\/dashboard\/home)\n\nWelcome Back,\n\n![](data:image\/svg+xml;base64,PHN2ZyB4bWxucz0iaHR0cDovL3d3dy53My5vcmcvMjAwMC9zdmciIGZpbGw9Im5vbmUiIHZpZXdCb3g9IjAgMCA0NzMgMjI4Ij48cGF0aCBmaWxsPSIjRTBGM0ZGIiBkPSJNMjM3IDBDMTExLjYzMSAwIDEwIDEwMS45MSAxMCAyMjcuNjIyaDQ1NEM0NjQgMTAxLjkxIDM2Mi4zNjkgMCAyMzcgMFoiID48L3BhdGg+PHBhdGggZmlsbD0iI0Y3RjhGOSIgZD0iTTE1MC4yODkgMTIyLjQzOWgtMzEuOHYxMDQuNzZoMzEuOHYtMTA0Ljc2WiI+PC9wYXRoPjxwYXRoIGZpbGw9IiNFQ0VCRUMiIGQ9Ik0yNjkgMTIySDE1MHYxMDVoMTE5VjEyMloiPjwvcGF0aD48cGF0aCBmaWxsPSIjRTRFNkVCIiBkPSJtMTM0LjM4OSAyMTkuNDQ5LTE1LjkgNy43NWgzMS44bC0xNS45LTcuNzVaIj48L3BhdGg+PHBhdGggc3Ryb2tlPSIjRkY0QzJCIiBzdHJva2UtbWl0ZXJsaW1pdD0iMTAiIHN0cm9rZS13aWR0aD0iMiIgZD0iTTE4NS4zNTkgMTI2LjQyYzIuNDcuODggMi4xMiA1LjggMi4xMiA1Ljh2MTcuMDRjMCAxMC42MiA2LjgzIDE5LjI0IDE1LjI2IDE5LjI0czE1LjI2LTguNjEgMTUuMjYtMTkuMjR2LTE3LjA0cy40NS00LjkyLTEuODctNS44IiA+PC9wYXRoPjxwYXRoIHN0cm9rZT0iI0ZGQjgwOSIgc3Ryb2tlLW1pdGVybGltaXQ9IjEwIiBzdHJva2Utd2lkdGg9IjUuMjc0IiBkPSJNMjg4Ljg2IDk5LjA4di0yMS4yYzAtMTMuMjIgMTAuNzItMjMuOTMgMjMuOTMtMjMuOTMgMTMuMjIgMCAyMy45MyAxMC43MiAyMy45MyAyMy45M3YyMS4yIiA+PC9wYXRoPjxwYXRoIGZpbGw9IiMwMDY2NDIiIGQ9Ik0yOTYuMTggOTkuNDdjLjA3LTIuMjEuMDEtNC4zOS0uOC02LjQ0LTIuMjUtNS42NS04LjQyLTkuMDktOS41Ni0xNS4zLS42MS0zLjMxLjY3LTYuMjguNzctOS41OC4xNi00Ljg4LTQuOTctOC45LTYuNTktMTMuMjMtMS41OS00LjI2LS44OC05LjM5IDIuMDctMTMuNDEgMS43Ni0yLjM5IDQuMy00LjMzIDcuMTUtNS41MyAyLjg5LTEuMDggNi4wOC0xLjQgOS0uODUgNC45MS45MiA4LjkyIDQuMTkgMTAuNjcgOC4zOCAxLjc4IDQuMjYuNzcgMTAuNyA0LjIyIDE0LjE2IDIuMzMgMi4zNCA1LjI5IDMuNjMgNy4xMSA2LjQ3IDMuNiA1LjYyIDEuMjQgMTIuNTggMy43OSAxOC41NCAxLjY1IDMuODUgNS45OSA1LjQ5IDguNTEgOC42OSA0LjI2IDUuNDMgMi41OCAxMi42NS0xLjA2IDE4LjYxLTQuODEgNy44OC0xNS4wNCAxMC42Ny0yMy41MSA4LjA3LTQuMjUtMS4zMS03LjkyLTMuODgtMTAuMTUtNy4zNy0yLjI1LTMuNTItMS43NC03LjQyLTEuNjItMTEuMjFaIiA+PC9wYXRoPjxwYXRoIGZpbGw9IiM0MEFEODciIGQ9Ik0yOTYuMTEgODYuMjljMS40OS0xLjY0IDIuODUtMy4zNCAzLjU1LTUuNDMgMS45NC01Ljc2LS41My0xMi4zOCAyLjYyLTE3Ljg1IDEuNjgtMi45MiA0LjU3LTQuMzYgNi43OS02LjggMy4yOC0zLjYyIDEuOTctMTAuMDEgMy41NC0xNC4zNSAxLjU1LTQuMjggNS40LTcuNzMgMTAuMjYtOC44OCAyLjg5LS42OSA2LjA5LS41MiA5LjAzLjQyIDIuOSAxLjA1IDUuNTQgMi44NyA3LjQxIDUuMTggMy4xNCAzLjg4IDQuMDkgOC45NyAyLjcxIDEzLjMtMS40IDQuNC02LjM0IDguNjYtNS45NSAxMy41My4yNiAzLjI5IDEuNjggNi4xOSAxLjIzIDkuNTMtLjg5IDYuNjEtNy4yIDEwLjM5LTkuMTEgMTYuNTgtMS4yMyA0IDEuMDEgOC4wNy44NiAxMi4xMy0uMjcgNi45LTYuMjIgMTEuMzEtMTIuODUgMTMuNS04Ljc3IDIuOS0xOC4zNy0xLjYtMjMuMTQtOS4wNy0yLjM5LTMuNzUtMy41My04LjA4LTIuOTctMTIuMTkuNTUtNC4xNCAzLjQ3LTYuNzggNi4wMi05LjZaIiA+PC9wYXRoPjxwYXRoIGZpbGw9IiNGRjdDMkEiIGQ9Ik0yNzguMjIgMTI2LjcyYzE0LjI1NSAwIDI1LjgxLTExLjU1NiAyNS44MS0yNS44MSAwLTE0LjI1NS0xMS41NTUtMjUuODEtMjUuODEtMjUuODEtMTQuMjU0IDAtMjUuODEgMTEuNTU1LTI1LjgxIDI1LjgxIDAgMTQuMjU0IDExLjU1NiAyNS44MSAyNS44MSAyNS44MVoiID48L3BhdGg+PHBhdGggZmlsbD0iIzAwNjY0MiIgZD0iTTI0Mi4xMyA4NS43MnMyMy40OCAxMS44NiAzNS42NC0xMC42MWMtLjAxLS4wMS0yMi4xLTE0LjQzLTM1LjY0IDEwLjYxWiIgPjwvcGF0aD48cGF0aCBmaWxsPSIjNDBBRDg3IiBkPSJNMjQyIDY0LjkyczEzLjQ0IDIyLjYxIDM1Ljc2IDEwLjE4YzAgMC0xMC44OS0yNC4wMi0zNS43Ni0xMC4xOFoiID48L3BhdGg+PHBhdGggZmlsbD0iI0ZGQzc2NCIgZD0iTTI4Mi41MyA5Ny41M2gtMzAuMzJ2MTMwLjMzOWgzMC4zMlY5Ny41MjlaIj48L3BhdGg+PHBhdGggZmlsbD0iI2ZmZiIgZD0iTTM0OC40NSA4NS4xN2gtMjQuMjJ2NzkuOTVoMjQuMjJWODUuMTdaIj48L3BhdGg+PHBhdGggZmlsbD0iI0ZGRjFFQSIgZD0iTTM4MC42IDg1LjE3aC0zMi4yNHY3OS45NWgzMi4yNFY4NS4xN1pNMzgwLjYwMSA4NS4xN2wtMTIuMDctMTYuMzhoLTMyLjIzdjE2LjM4aDQ0LjNaIiA+PC9wYXRoPjxwYXRoIGZpbGw9IiNmZmYiIGQ9Im0zMjQuMjMgODUuMTcgMTIuMDctMTYuMzggMTIuMDYgMTYuMzgiPjwvcGF0aD48cGF0aCBmaWxsPSIjRkZGMUVBIiBkPSJNMzY4Ljg0MSA2NC4xaC0zMi41NHY0LjdoMzIuNTR2LTQuN1oiPjwvcGF0aD48cGF0aCBmaWxsPSIjRTBGM0ZFIiBkPSJNMzY1Ljc0MSAxMzYuNDU5YzYuNDM0IDAgMTEuNjUtNi43NzQgMTEuNjUtMTUuMTMgMC04LjM1Ni01LjIxNi0xNS4xMy0xMS42NS0xNS4xM3MtMTEuNjUgNi43NzQtMTEuNjUgMTUuMTNjMCA4LjM1NiA1LjIxNiAxNS4xMyAxMS42NSAxNS4xM1oiID48L3BhdGg+PHBhdGggc3Ryb2tlPSIjRUZBOTJFIiBzdHJva2UtbWl0ZXJsaW1pdD0iMTAiIHN0cm9rZS13aWR0aD0iNS4yNzQiIGQ9Ik0zMTAuNTUgOTkuMDh2LTIxLjJjMC0xMy4yMiAxMC43Mi0yMy45MyAyMy45My0yMy45MyAxMy4yMiAwIDIzLjkzIDEwLjcyIDIzLjkzIDIzLjkzdjIxLjIiID48L3BhdGg+PHBhdGggZmlsbD0iI0VGQTkyRSIgZD0iTTM4MS40NCA5Ny41M2gtOTguOTF2MTMwLjMzOWg5OC45MVY5Ny41MjlaTTI2Ny4zNyAyMTguMjNsLTE1LjE2IDkuNjRoMzAuMzJsLTE1LjE2LTkuNjRaIiA+PC9wYXRoPjxwYXRoIGZpbGw9IiNGRjdDMkEiIGQ9Ik05MS42MTggMTkwLjY0czUuNzIgOC41NyAyNS43MiA1LjcyYzAgMCA0LjctMS4xNiAxMi4yNS01LjcyLjU5LS4zNiAyLjA0LTEuMSAyLjA0IDB2MzQuMjloLTkxLjQ0di0xNC4yOWw1MS40My0yMFoiID48L3BhdGg+PHBhdGggZmlsbD0iI0JGNUQyMCIgZD0iTTEyOS44MjggMjI3Ljc4OUgyMS45ODhjLS45OSAwLTEuOC0uODEtMS44LTEuOHYtNC4wNWgxMTEuNDR2NC4wNWMwIC45OS0uODEgMS44LTEuOCAxLjhaIiA+PC9wYXRoPjxwYXRoIGZpbGw9IiNGRjdDMkEiIGQ9Ik0yMC4xNzkgMjIxLjkyOXMtMi44Ni0xMS43MSAxNC4yOS0xNy41Nmw4LjU3LTIuOTN2MjAuNDloLTIyLjg2Wk00My4wNCAyMDIuMDdzMjAtMi44NiA0NS43Mi0yOC41OGMwIDAgOC41NyA1LjcyIDUuNzIgMTQuMjkgMCAwLTE0LjI5IDE3LjE1LTMxLjQzIDIyLjg2LTE3LjE0IDUuNzEtMjAgNS43Mi0yMCA1Ljcydi0xNC4yOWgtLjAxWiIgPjwvcGF0aD48cGF0aCBmaWxsPSIjNkM3Rjg3IiBkPSJtMTMxLjYyOSAxOTYuODUtNC43MSA1LjQ1IDEuMzkgMTAuNDYgMTcuNDcgMTUuMTEgMTMuMDQtMTUuMDctMTcuMTMtMTQuODMtMTAuMDYtMS4xMloiID48L3BhdGg+PHBhdGggZmlsbD0iI0VGRjlGRiIgZD0iTTEzMi42MDkgMjA1LjA1YTEuNjEgMS42MSAwIDEgMCAwLTMuMjIgMS42MSAxLjYxIDAgMCAwIDAgMy4yMloiID48L3BhdGg+PHBhdGggc3Ryb2tlPSIjMDAzNjVBIiBzdHJva2UtbWl0ZXJsaW1pdD0iMTAiIGQ9Ik0xMzIuNjA5IDIwMy40NHMtMS42Mi0zLjctOS40NC04LjU0IiA+PC9wYXRoPjxwYXRoIGZpbGw9IiNEOUQ4RDkiIGQ9Ik00MzYgMTcwLjg0di05Ljk0bC0yMC4zMi0xOC4wM2gtNC4zN3MtLjQ0LTYuNTYtNi4zNC02Ljk5Yy01LjktLjQ0LTMuMjggMy4wNi0xLjc1IDMuNzEgMS41My42NSAxLjYyIDMuMjgtMS45MiAzLjI4aC0zLjU0bC0xOS42NyAxOC4wM3YxNC4wOWw1Ny45MS00LjE1WiIgPjwvcGF0aD48cGF0aCBmaWxsPSIjRjdGOEY5IiBkPSJtNDM2IDE3NC45OS01LjkgNTIuODhoLTQ0LjhsLTcuMjEtNTIuODhINDM2WiI+PC9wYXRoPjxwYXRoIGZpbGw9IiNGRjRDMkIiIGQ9Ik00MDguNTYgMjExLjI2MWM1LjY3MiAwIDEwLjI3LTQuNTk4IDEwLjI3LTEwLjI3cy00LjU5OC0xMC4yNy0xMC4yNy0xMC4yNy0xMC4yNyA0LjU5OC0xMC4yNyAxMC4yNyA0LjU5OCAxMC4yNyAxMC4yNyAxMC4yN1oiID48L3BhdGg+PHBhdGggZmlsbD0iI0VDRUJFQyIgZD0ibTQzNiAxNzQuOTkgOC4wOC0yMi41MS0yLjQtMi40TDQzNiAxNjh2Ni45OVpNMzc4LjA5IDE3NC45OSAzNzAgMTUyLjQ4bDIuNDEtMi40IDUuNjggMTcuOTJ2Ni45OVoiID48L3BhdGg+PHBhdGggc3Ryb2tlPSIjRDlBQjk4IiBzdHJva2UtbWl0ZXJsaW1pdD0iMTAiIHN0cm9rZS13aWR0aD0iMyIgZD0ibTQxNS4xOSAxNTEuMTcgMTcuMjYtNDYuMzNNNDIyLjE4IDE2My42MjlsMzEuNTgtNDEuODQiID48L3BhdGg+PHBhdGggZmlsbD0iI0VDRUJFQyIgZD0iTTQzNiAxNzQuOTkxdi05LjgzbC0xOS44OS0xOC4zNmgtMTguMzZsLTE5LjY2IDE4LjU3djkuNjJINDM2WiIgPjwvcGF0aD48L3N2Zz4=)\n\n![Close](data:image\/svg+xml;base64,PHN2ZyB4bWxucz0iaHR0cDovL3d3dy53My5vcmcvMjAwMC9zdmciIHdpZHRoPSIyMiIgaGVpZ2h0PSIyMiIgdmlld0JveD0iMCAwIDUxMiA1MTIiID48cGF0aCBkPSJNNDA1IDEzN0wyODYgMjU2bDExOSAxMTktMzAgMzAtMTE5LTExOS0xMTkgMTE5LTMwLTMwIDExOS0xMTktMTE5LTExOSAzMC0zMCAxMTkgMTE5IDExOS0xMTl6IiAvPjwvc3ZnPg==)\n\n[Finance](https:\/\/www.nerdwallet.com\/finance)\n\nHow to Budget Money in 5 Steps\n\nAdvertiser disclosure\n\n### You're our first priority. Every time.\nWe believe everyone should be able to make financial decisions with confidence. While we don't cover every company or financial product on the market, we work hard to share a wide range of offers and objective editorial perspectives.\n\nSo how do we make money? Our partners compensate us for advertisements that appear on our site. This compensation helps us provide tools and services - like free credit score access and monitoring. With the exception of mortgage, home equity and other home-lending products or services, partner compensation is one of several factors that may affect which products we highlight and where they appear on our site. Other factors include your credit profile, product availability and proprietary website methodologies.\n\nHowever, these factors **do not influence our editors' opinions or ratings**, which are based on independent research and analysis. Our partners cannot pay us to guarantee favorable reviews. [Here is a list of our partners](https:\/\/www.nerdwallet.com\/p\/our-partners).\n# How to Budget Money in 5 Steps\nDivide your income among needs, wants, savings and debt repayment.\n\n[![Amanda Barroso](https:\/\/www.nerdwallet.com\/assets\/blog\/wp-content\/uploads\/2022\/05\/Barroso_Amanda_882-MuckRack-Ona30327-96x96.jpg)](https:\/\/www.nerdwallet.com\/author\/amanda-barroso)\n\nWritten by\n\nAmanda Barroso\n\n[![](https:\/\/www.nerdwallet.com\/assets\/blog\/wp-content\/uploads\/2022\/05\/Barroso_Amanda_882-MuckRack-Ona30327-96x96.jpg)](https:\/\/www.nerdwallet.com\/author\/amanda-barroso)\n\n[Amanda Barroso](https:\/\/www.nerdwallet.com\/author\/amanda-barroso)\n\nLead Writer & Content Strategist\n\n4 years of experience\n\nExpertise\n\n- Budgeting and saving\n- Credit building\n- Credit Scoring\n\nAmanda Barroso, Ph.D., is a writer and content strategist helping consumers navigate budgeting, credit building and credit scoring. Before joining NerdWallet, Amanda wrote about demographic trends at the Pew Research Center and earned a Ph.D. from The Ohio State University.\n\nHer work has been featured by the Associated Press, Washington Post and Yahoo Finance.\n\nPublished in  ![The Associated Press](https:\/\/cdns3.nerdwallet.com\/lending\/publication-logos\/TheAssociatedPress.webp)![The Washington Post](https:\/\/cdns3.nerdwallet.com\/lending\/publication-logos\/TheWashingtonPost.webp)![Yahoo Finance](https:\/\/cdns3.nerdwallet.com\/lending\/publication-logos\/YahooFinance.webp)\n\n[![Lauren Schwahn](https:\/\/www.nerdwallet.com\/assets\/blog\/wp-content\/uploads\/2019\/08\/lschwahn-user-avatar-96x96.jpg)](https:\/\/www.nerdwallet.com\/author\/lauren-schwahn)\n\nCo-written by\n\nLauren Schwahn\n\n[![](https:\/\/www.nerdwallet.com\/assets\/blog\/wp-content\/uploads\/2019\/08\/lschwahn-user-avatar-96x96.jpg)](https:\/\/www.nerdwallet.com\/author\/lauren-schwahn)\n\n[Lauren Schwahn](https:\/\/www.nerdwallet.com\/author\/lauren-schwahn)\n\nSenior Writer & Content Strategist\n\n10 years of experience\n\nExpertise\n\n- Personal finance\n- debt\n- credit scoring\n- budgeting\n\nLauren Schwahn is a writer at NerdWallet who covers credit scoring, debt, budgeting and money-saving strategies. She contributed to the \"Millennial Money\" column for The Associated Press and managed a team of writers producing content for the series. Her work has also been featured by USA Today, MSN, The Washington Post and more. Lauren has a bachelor’s degree in history from the University of California, Santa Cruz. She is based in San Francisco.\n\nPublished in  ![MarketWatch](https:\/\/cdns3.nerdwallet.com\/lending\/publication-logos\/Marketwatch.webp)![Nasdaq.com](https:\/\/cdns3.nerdwallet.com\/lending\/publication-logos\/NASDAQ.webp)![The Associated Press](https:\/\/cdns3.nerdwallet.com\/lending\/publication-logos\/TheAssociatedPress.webp)![The New York Times](https:\/\/cdns3.nerdwallet.com\/lending\/publication-logos\/TheNewYorkTimes.webp)\n\n[![Laura McMullen](https:\/\/www.nerdwallet.com\/assets\/blog\/wp-content\/uploads\/2022\/05\/DSC01645_crop-e1771878504383-96x96.jpg)](https:\/\/www.nerdwallet.com\/author\/laura-mcmullen)\n\nEdited by\n\nLaura McMullen\n\n[![](https:\/\/www.nerdwallet.com\/assets\/blog\/wp-content\/uploads\/2022\/05\/DSC01645_crop-e1771878504383-96x96.jpg)](https:\/\/www.nerdwallet.com\/author\/laura-mcmullen)\n\n[Laura McMullen](https:\/\/www.nerdwallet.com\/author\/laura-mcmullen)\n\nEditor & Content Strategist\n\n10 years of experience\n\nExpertise\n\n- Personal finance\n- financial news\n- student loans\n\nLaura McMullen assigns and edits content related to personal loans and student loans. She previously edited money news content. Before then, Laura was a senior writer at NerdWallet and covered saving, making and budgeting money; she also contributed to the \"Millennial Money\" column for The Associated Press. Before joining NerdWallet in 2015, Laura worked for U.S. News & World Report, where she wrote and edited content related to careers, wellness and education and also contributed to the company's rankings projects. Before working at U.S. News & World Report, Laura interned at Vice Media and studied journalism, history and Arabic at Ohio University. Laura lives in Washington, D.C.\n\nPublished in  ![MSN](https:\/\/cdns3.nerdwallet.com\/lending\/publication-logos\/MSN.webp)![The Associated Press](https:\/\/cdns3.nerdwallet.com\/lending\/publication-logos\/TheAssociatedPress.webp)![The New York Times](https:\/\/cdns3.nerdwallet.com\/lending\/publication-logos\/TheNewYorkTimes.webp)![The Washington Post](https:\/\/cdns3.nerdwallet.com\/lending\/publication-logos\/TheWashingtonPost.webp)\n\nother\n\nUpdated\n\nJan 1, 2026\n\nFact Checked\n\nHow is this page expert verified?\n\nNerdWallet's content is fact-checked for accuracy, timeliness and relevance. It undergoes a thorough review process involving writers and editors to ensure the information is as clear and complete as possible.\n\n[More on our editorial rigor](https:\/\/www.nerdwallet.com\/l\/nerdwallet-editorial-guidelines)\n\nSOME CARD INFO MAY BE OUTDATED\n\nThis page includes information about these cards, currently unavailable on NerdWallet. The information has been collected by NerdWallet and has not been provided or reviewed by the card issuer.\n\nA budget is a plan for how you use your money. No matter how much you earn or how often you get paid, a budget helps you stay on top of your bills, savings and other money goals. It can give you more control and less stress.\n\n## How to create a budget: step-by-step\nTo budget money, follow the five steps below.\n\n### Step 1. Figure out your after-tax income\nIf you get a regular paycheck, the amount you bring home is your after-tax income. This is also called your [net income](https:\/\/www.nerdwallet.com\/finance\/learn\/take-home-income) or take-home pay.\n\nIf money is taken out of your paycheck for things like a 401(k) or insurance, add that back in when making your budget. That way, you'll see your full income.\n\nIf you have other types of money coming in — such as from side gigs — subtract anything that reduces that income, such as taxes and business expenses.\n\n» Stay informed:\n\n- Check out NerdWallet's [news hub](https:\/\/www.nerdwallet.com\/news) for all the latest.\n- Subscribe to one of NerdWallet's [free newsletters](https:\/\/www.nerdwallet.com\/finance\/news\/newsletter-signup).\n### Step 2. Choose a budgeting system\nA budgeting system is a plan for how to use your money. Everyone has different habits, personality types and approaches to managing money, and there are systems that can fit your lifestyle.\n\nEvery budget should cover your needs, some wants and savings for emergencies and the future.\n\nExamples of [budgeting systems](https:\/\/www.nerdwallet.com\/finance\/learn\/how-to-choose-the-right-budget-system) include the envelope system, the zero-based budget, and the [50\/30\/20 budget](https:\/\/www.nerdwallet.com\/finance\/learn\/nerdwallet-budget-calculator), in which 50% of your take-home pay goes toward necessities, 30% toward wants and 20% toward savings and retirement.\n\nOther breakdowns, like 60\/20\/20 and 60\/30\/10, may work well for some situations.\n\n### Meet MoneyNerd, your weekly news decoder\nSo much news. So little time. NerdWallet's new weekly newsletter makes sense of the headlines that affect your wallet.\n\n[SUBSCRIBE FOR FREE](https:\/\/moneynerd-nerdwallet.beehiiv.com\/)\n\n![CTA image](https:\/\/www.nerdwallet.com\/assets\/blog\/wp-content\/uploads\/2026\/01\/Screenshot-2026-01-22-at-4.18.01-PM.png)\n### Step 3. Track your progress\nWrite down what you spend, or use a [budget app](https:\/\/www.nerdwallet.com\/finance\/learn\/best-budget-apps) or [NerdWallet's budget template](https:\/\/www.nerdwallet.com\/finance\/learn\/budget-worksheet) to help.\n\nPay attention to where your money is going. If you notice areas where you’re overspending, try to cut those costs. If you’re able to make cuts and have money left over, put it toward debt repayment, savings or another financial priority.\n\n### Step 4. Automate your savings\nSet up automatic savings to make things easier. You can set automatic deposits to an [emergency fund,](https:\/\/www.nerdwallet.com\/banking\/learn\/emergency-fund-why-it-matters) investment or retirement account on your paydays.\n\nIf your income changes from month to month, set reminders to move money when you can. You don't have to do it alone — a friend or online group can keep you motivated to stick to your budget.\n\n### Step 5. Practice budget management\nYour money situation will change over time. Check your budget every few months and adjust if needed.\n\nIf you find that the initial budgeting system you chose isn’t working for you, consider trying a different strategy. The budget you choose doesn’t have to last forever.\n\n## Determine your budgeting priorities\nWhen budgeting, it can be hard to figure out which items are most urgent. Should you prioritize your credit card debt, student loan repayments or retirement savings? Here is a list of potential priorities from most to least urgent.\n\nPriority No. 1: Start an emergency fund.  Priority No. 1: Start an emergency fund.\n\nMany experts recommend trying to build up several months of bare-bones living expenses. NerdWallet suggests starting an emergency fund of at least \\$500, which could be enough to cover small emergencies and repairs. If that starting amount isn’t possible, put at least a little bit toward the fund every paycheck.\n\nAccording to a [recent NerdWallet survey](https:\/\/www.nerdwallet.com\/finance\/studies\/2026-consumer-outlook-report), 46% of Americans plan on saving money for emergencies in 2026.\n\nPriority No. 2: Get your 401(k) match.  Priority No. 2: Get your 401(k) match.\n\nIf your job offers a 401(k) match, consider putting in enough to get the full match. That's free money.\n\nPriority No. 3: Pay off high-interest debt.  Priority No. 3: Pay off high-interest debt.\n\nA NerdWallet study found that 30% of Americans plan on paying off one or more of their debts in full in 2026\n\n\\[1\\]\n\nNerdWallet. [2026 Consumer Outlook Report – 51% Say Prices Will Worsen.](https:\/\/www.nerdwallet.com\/finance\/studies\/2026-consumer-outlook-report) Accessed Jan 1, 2026.\n\n[View all sources](https:\/\/www.nerdwallet.com\/finance\/learn\/how-to-budget#citation-list)\n\n.\n\nIf this is one of your goals, focus on high-interest credit card debt or loans, such as personal and payday loans, title loans and rent-to-own payments.\n\nLook into ways to [help with your debt](https:\/\/www.nerdwallet.com\/finance\/learn\/find-debt-relief) — like a [debt management plan](https:\/\/www.nerdwallet.com\/personal-loans\/learn\/how-does-debt-management-work) or bankruptcy — if either of these things is true for you:\n\n- You can't repay your credit cards, medical bills or personal loans (i.e., unsecured debt) in the next five years, even if you cut your spending a lot.\n- Your total debt (not including things like a mortgage or car loan) is as much or more than half of what you make before taxes.\n\nPriority No. 4: Save for retirement (again).  Priority No. 4: Save for retirement (again).\n\nOnce you've paid off your high-interest debt and have some extra money, focus on saving for retirement. Financial experts suggest saving 10-15% of your income before taxes for retirement. For many people, that's a goal to work towards over time. Just know that your company match, if offered, counts toward that 15% total.\n\nIf your job doesn't offer a 401(k), or if you’ve already put in enough to get the full match, you can look into other options, such as a Roth or traditional [IRA](https:\/\/www.nerdwallet.com\/retirement\/learn\/learn-about-ira-accounts).\n\nPriority No. 5: Grow your emergency fund.  Priority No. 5: Grow your emergency fund.\n\nKeep adding to your emergency savings. Try to build up enough to cover three to six months of basic living expenses — like rent, groceries and utilities.\n\nIt might take a long time to reach this goal. That's OK. Use the fund when emergencies happen, and try to put the money back when you can.\n\nPriority No. 6: Pay down the rest of your debt.   Priority No. 6: Pay down the rest of your debt.\n\nOnce your emergency fund is in good shape and your retirement savings are on track, focus on other debts. These payments go beyond the minimum required to [pay off debt](https:\/\/www.nerdwallet.com\/finance\/learn\/pay-off-debt), if you have any remaining.\n\nIf you’ve already paid off your high-interest debt, what’s left is probably lower-rate, such as student loans, or tax-deductible debt like your mortgage. Tackle these when the goals listed above are covered.\n\nTry not to take money away from your emergency fund and retirement savings to do this.\n\nPriority No. 7: Save for yourself.   Priority No. 7: Save for yourself.\n\nGreat job! If you've taken all the steps above, you're in a great position. You’ve built smart money habits and now have more freedom with your money.\n\nTo earn more on your savings, think about using a [high-yield savings account](https:\/\/www.nerdwallet.com\/banking\/learn\/high-interest-savings-account). These often pay more than regular savings accounts.\n\nYou can divide your savings into different buckets — one for emergencies, one for car repairs and one for fun. Some banks will automatically move your monthly interest earnings to your bucket of choice, helping you reach your goals faster. The more you save, the more your money grows. It's a win-win.\n## Try a simple budgeting plan: 50\/30\/20\nOne popular budget plan is the 50\/30\/20 budget. If you stick to this plan, you can handle your bills, save for the future, prepare for emergencies and enjoy life, too.\n\n### Allow up to 50% of your income for needs\nYour necessities — about 50% of your after-tax income — should include:\n\n- Groceries.\n- Housing.\n- Basic utilities.\n- Transportation.\n- Insurance.\n- Minimum loan and credit card payments. Anything beyond the minimum goes into the savings and debt repayment category.\n- Child care or other expenses you need so you can work.\n\nIf your basic needs go over 50%, you can use some of your “wants” money for now. That's OK. But if those needs are going over 50% month after month, consider switching to another budgeting model. Switching your budget isn't a sign of failure. Budgets should work for your life.\n\nIf your necessities fall under the 50% cap, review the expenses that stay the same every month, often called fixed expenses. You may find a [better cell phone plan](https:\/\/www.nerdwallet.com\/finance\/learn\/best-cell-phone-plans), an opportunity to [refinance your mortgage](https:\/\/www.nerdwallet.com\/mortgages\/learn\/how-to-refinance-your-mortgage) or a less expensive car insurance option. Those money moves create breathing room in your budget.\n\n### Leave 30% for wants\n[Separating wants from needs](https:\/\/www.nerdwallet.com\/finance\/learn\/financial-needs-versus-wants) can be difficult. Needs are essential for you to live and work. Typical wants include dinners out, gifts, travel and entertainment.\n\nIt’s not always easy to decide: Are organic groceries a want or a need? How about house cleaning services or food delivery? Decisions vary from person to person.\n\nIf you want to get out of debt as fast as you can, you may decide your wants can wait until you have some savings or your debts are under control. But your budget should include fun money. If it's too strict, it's harder to stick with.\n\n### Commit 20% to savings and debt paydown\nUse 20% of your after-tax income to put money away for the unexpected, save for the future and pay off debt balances (paying more than minimums). Think about your biggest money goals and use this part of your income to reach them.\n\n## Best way to budget\nThe best way to budget is one you can follow. Pick a plan that works for your life and goals. If the 50\/30\/20 budget isn’t realistic for you, maybe a 60\/20\/20 breakdown makes more sense — 60% toward necessities, 20% toward wants and 20% toward savings and retirement.\n\nYou might have to try a few different budget plans to find one that works for you. Just make sure any plan covers needs, wants and savings.\n\nTry out a few tools to track your money — like a notebook, a worksheet or an app — and pick the one you'll actually use.\n\nBy testing what works best for you, you're more likely to find a budget that helps you reach your financial goals.\n\n![Video thumbnail](https:\/\/i.ytimg.com\/vi_webp\/7ckn883BbPQ\/sddefault.webp)\n\nExplore more on\n\n[The Financial Glow Up](https:\/\/www.nerdwallet.com\/finance\/hubs\/glowup)[Money News You Can Use](https:\/\/www.nerdwallet.com\/finance\/news)[Money Management](https:\/\/www.nerdwallet.com\/finance\/hubs\/money-management)[Making Money](https:\/\/www.nerdwallet.com\/finance\/hubs\/making-money)[Paying Off Debt](https:\/\/www.nerdwallet.com\/finance\/hubs\/paying-off-debt)[Paying Your Bills](https:\/\/www.nerdwallet.com\/finance\/hubs\/paying-your-bills)[Personal Finance](https:\/\/www.nerdwallet.com\/finance)\n\nArticle sources  Article sources\n\nNerdWallet writers are subject matter authorities who use primary, trustworthy sources to inform their work, including peer-reviewed studies, government websites, academic research and interviews with industry experts. All content is fact-checked for accuracy, timeliness and relevance. You can learn more about NerdWallet's high standards for journalism by reading our  [editorial guidelines.](https:\/\/www.nerdwallet.com\/l\/nerdwallet-editorial-guidelines)\n\n- [1\\.](https:\/\/www.nerdwallet.com\/finance\/learn\/how-to-budget#citation-1850354181)  NerdWallet. [2026 Consumer Outlook Report – 51% Say Prices Will Worsen.](https:\/\/www.nerdwallet.com\/finance\/studies\/2026-consumer-outlook-report) Accessed Jan 1, 2026.\n\n[Back to top]()\n\nAbout the authors\n\n[![Amanda Barroso](https:\/\/www.nerdwallet.com\/assets\/blog\/wp-content\/uploads\/2022\/05\/Barroso_Amanda_882-MuckRack-Ona30327-160x160.jpg)](https:\/\/www.nerdwallet.com\/author\/amanda-barroso)\n\n[Amanda Barroso](https:\/\/www.nerdwallet.com\/author\/amanda-barroso)\n\nAmanda Barroso, Ph.D., is a writer and content strategist helping consumers navigate budgeting, credit building and credit scoring. Before joining NerdWallet, Amanda wrote about demographic trends at the Pew Research Center and earned a Ph.D. from The Ohio State University.\n\nHer work has been featured by the Associated Press, Washington Post and Yahoo Finance.\n\nPublished in  ![The Associated Press](https:\/\/cdns3.nerdwallet.com\/lending\/publication-logos\/TheAssociatedPress.webp)![The Washington Post](https:\/\/cdns3.nerdwallet.com\/lending\/publication-logos\/TheWashingtonPost.webp)![Yahoo Finance](https:\/\/cdns3.nerdwallet.com\/lending\/publication-logos\/YahooFinance.webp)\n\n[![Lauren Schwahn](https:\/\/www.nerdwallet.com\/assets\/blog\/wp-content\/uploads\/2019\/08\/lschwahn-user-avatar-160x160.jpg)](https:\/\/www.nerdwallet.com\/author\/lauren-schwahn)\n\n[Lauren Schwahn](https:\/\/www.nerdwallet.com\/author\/lauren-schwahn)\n\nLauren Schwahn is a writer at NerdWallet who covers credit scoring, debt, budgeting and money-saving strategies. She contributed to the \"Millennial Money\" column for The Associated Press and managed a team of writers producing content for the series. Her work has also been featured by USA Today, MSN, The Washington Post and more. Lauren has a bachelor’s degree in history from the University of California, Santa Cruz. She is based in San Francisco.\n\nPublished in  ![MarketWatch](https:\/\/cdns3.nerdwallet.com\/lending\/publication-logos\/Marketwatch.webp)![Nasdaq.com](https:\/\/cdns3.nerdwallet.com\/lending\/publication-logos\/NASDAQ.webp)![The Associated Press](https:\/\/cdns3.nerdwallet.com\/lending\/publication-logos\/TheAssociatedPress.webp)![The New York Times](https:\/\/cdns3.nerdwallet.com\/lending\/publication-logos\/TheNewYorkTimes.webp)\n\n[NerdWallet is committed to editorial integrity.](https:\/\/www.nerdwallet.com\/p\/advertiser-disclosures#finance)\n\nON THIS PAGE\n\n[Back to top ↑]()\n\nON THIS PAGE\n\nON THIS PAGE\n\n╳\n\n- [How to create a budget: step-by-step](https:\/\/www.nerdwallet.com\/finance\/learn\/how-to-budget#how-to-create-a-budget-stepbystep)\n  How to create a budget: step-by-step\n  - [Step 1. Figure out your after-tax income](https:\/\/www.nerdwallet.com\/finance\/learn\/how-to-budget#step-1-figure-out-your-aftertax-income)\n  - [Step 2. Choose a budgeting system](https:\/\/www.nerdwallet.com\/finance\/learn\/how-to-budget#step-2-choose-a-budgeting-system)\n  - [Step 3. Track your progress](https:\/\/www.nerdwallet.com\/finance\/learn\/how-to-budget#step-3-track-your-progress)\n  - [Step 4. Automate your savings](https:\/\/www.nerdwallet.com\/finance\/learn\/how-to-budget#step-4-automate-your-savings)\n  - [Step 5. Practice budget management](https:\/\/www.nerdwallet.com\/finance\/learn\/how-to-budget#step-5-practice-budget-management)\n- [Determine your budgeting priorities](https:\/\/www.nerdwallet.com\/finance\/learn\/how-to-budget#determine-your-budgeting-priorities)\n- [Try a simple budgeting plan: 50\/30\/20](https:\/\/www.nerdwallet.com\/finance\/learn\/how-to-budget#try-a-simple-budgeting-plan-503020)\n  Try a simple budgeting plan: 50\/30\/20\n  - [Allow up to 50% of your income for needs](https:\/\/www.nerdwallet.com\/finance\/learn\/how-to-budget#allow-up-to-50-of-your-income-for-needs)\n  - [Leave 30% for wants](https:\/\/www.nerdwallet.com\/finance\/learn\/how-to-budget#leave-30-for-wants)\n  - [Commit 20% to savings and debt paydown](https:\/\/www.nerdwallet.com\/finance\/learn\/how-to-budget#commit-20-to-savings-and-debt-paydown)\n- [Best way to budget](https:\/\/www.nerdwallet.com\/finance\/learn\/how-to-budget#best-way-to-budget)\n\nHelpful Resources\n\n[8 Ways to Track Monthly Expenses](https:\/\/www.nerdwallet.com\/finance\/learn\/tracking-monthly-expenses)\n\n[Free Budget Spreadsheets and Tools](https:\/\/www.nerdwallet.com\/finance\/learn\/free-budget-spreadsheets-templates)\n\n[Game Apps That Pay Real Money: Truth, Not Hype](https:\/\/www.nerdwallet.com\/finance\/learn\/game-apps-pay-real-money)\n\n[How to Pay Off Debt: Top Strategies for 2026](https:\/\/www.nerdwallet.com\/personal-loans\/learn\/pay-off-debt)\n\nRelated articles\n\n[![](https:\/\/www.nerdwallet.com\/tachyon\/2024\/04\/GettyImages-1158243057.jpg?resize=600%2C360) What Is a Budget? Definition and Tips ![Lauren Schwahn's profile picture](https:\/\/www.nerdwallet.com\/tachyon\/2019\/08\/lschwahn-user-avatar.jpg?resize=70%2C70) 2 By Lauren Schwahn, Amanda Barroso](https:\/\/www.nerdwallet.com\/finance\/learn\/what-is-a-budget)\n\n[![](https:\/\/www.nerdwallet.com\/tachyon\/2019\/12\/GettyImages-892126344.jpg?resize=600%2C360) Needs vs. Wants: How to Budget for Both ![Lisa Mulka's profile picture](https:\/\/www.nerdwallet.com\/tachyon\/2023\/10\/Lisa.Mulka_.png?resize=70%2C70) By Lisa Mulka](https:\/\/www.nerdwallet.com\/finance\/learn\/financial-needs-versus-wants)\n\n[![](https:\/\/www.nerdwallet.com\/tachyon\/2022\/02\/GettyImages-1285181776-nerdwallet-sinking-fund-savings.jpg?resize=600%2C360) Sinking Funds: The Secret to Stress-Free Expenses ![Amanda Barroso's profile picture](https:\/\/www.nerdwallet.com\/tachyon\/2025\/03\/Barroso_Amanda_882-MuckRack-Ona30327-retouched.jpg?resize=70%2C70) By Amanda Barroso](https:\/\/www.nerdwallet.com\/finance\/learn\/nerdwallet-sinking-fund-savings)\n\n[![](https:\/\/www.nerdwallet.com\/tachyon\/2017\/04\/GettyImages-1303994305.jpg?resize=600%2C360) What Is My Net Income? ![Lisa Mulka's profile picture](https:\/\/www.nerdwallet.com\/tachyon\/2023\/10\/Lisa.Mulka_.png?resize=70%2C70) By Lisa Mulka](https:\/\/www.nerdwallet.com\/finance\/learn\/take-home-income)\n\n![NerdWallet Home Page](data:image\/svg+xml;base64,PHN2ZyB4bWxucz0iaHR0cDovL3d3dy53My5vcmcvMjAwMC9zdmciIGhlaWdodD0iODBweCIgd2lkdGg9IjgwcHgiIHZpZXdCb3g9IjAgMCAzMjUuNzYgMzI1Ljc3IiBhcmlhLWxhYmVsbGVkYnk9Im5hdl9fbG9nby1zaG9ydF9fdGl0bGVfX2Zvb3RlciIgPjx0aXRsZSBpZD0ibmF2X19sb2dvLXNob3J0X190aXRsZV9fZm9vdGVyIj5OZXJkV2FsbGV0IEhvbWUgUGFnZTwvdGl0bGU+PHN5bWJvbCBpZD0ibnctbG9nby1uLWZvb3RlciI+PHBhdGggZmlsbD0ibm9uZSIgZD0iTTEwOC41OSAyMTcuMThoLS4wMy4wNC0uMDFtMCAwaC0uMDMuMDQtLjAxIiAvPjxwYXRoIGZpbGw9IiMwMGFlNGQiIGQ9Ik0xMDcuOTIuNjRhMTAgMTAgMCAwIDAtMy41MS0uNjRINy4xNUE3LjE1IDcuMTUgMCAwIDAgMCA3LjE1djEwMS40NHoiIC8+PHBhdGggZmlsbD0ibm9uZSIgZD0iTTEwOC41OSAyMTcuMThoLS4wMy4wNC0uMDEiIC8+PHBhdGggZmlsbD0iIzAwYWU0ZCIgZD0iTTIuMDkgMzIzLjY3YTcuMTMgNy4xMyAwIDAgMCA1LjA2IDIuMDloOTQuMjlhNy4xNSA3LjE1IDAgMCAwIDcuMTUtNy4xNVYyMTcuMTh6IiAvPjxwYXRoIGZpbGw9IiMwMDY4MmMiIGQ9Ik0yMTcuMTcgMTA4LjU5djIxNi4yOWwuNjUuMjcgMTA3Ljk0LTEwNy45N3oiIC8+PHBhdGggZmlsbD0ibm9uZSIgZD0iTTEwOC41OSAyMTcuMThoLS4wMy4wMyIgLz48cGF0aCBmaWxsPSIjOGNjYjMyIiBkPSJNMTA4LjU5IDIxNy4xOFYuODhjLS4yMS0uMS0uNDMtLjItLjY1LS4yOEwwIDEwOC41OXYyMTBhNy4xMyA3LjEzIDAgMCAwIDIuMDkgNS4wNXptMjE3LjE3IDBWNy4xNUE3LjE1IDcuMTUgMCAwIDAgMzE4LjYxIDBoLTk0LjI5YTcuMTUgNy4xNSAwIDAgMC03LjE1IDcuMTR2MTAxLjQ1em0wIDBMMjE3LjgyIDMyNS4xMmExMCAxMCAwIDAgMCAzLjUxLjY0aDk3LjI5YTcuMTUgNy4xNSAwIDAgMCA3LjE1LTcuMTVWMjE3LjE4eiIgLz48cGF0aCBmaWxsPSIjZDBkMWQzIiBkPSJNMTA4LjYgMjE3LjE4aC0uMDEuMDFtMTA4LjU4LTEwOC41OSIgLz48cGF0aCBmaWxsPSIjMDBhZTRkIiBkPSJNMTExLjUyIDIuOTNhOS45NCA5Ljk0IDAgMCAwLTIuOTQtMnYyMTYuMjVsMTA1LjY2IDEwNS42NWExMCAxMCAwIDAgMCAyLjk0IDJWMTA4LjU5eiIgLz48L3N5bWJvbD48dXNlIGhyZWY9IiNudy1sb2dvLW4tZm9vdGVyIiAvPjwvc3ZnPg==)\n\nFinance Smarter\n\n[Learn more about the app](https:\/\/www.nerdwallet.com\/l\/nerdwallet-app-track-your-wealth-and-build-your-future)\n\nDownload the app\n\n[![Download on the App Store](data:image\/svg+xml,%3Csvg%20height%3D%2240%22%20width%3D%22120%22%20viewBox%3D%220%200%20119.66407%2040%22%20xmlns%3D%22http%3A%2F%2Fwww.w3.org%2F2000%2Fsvg%22%20%3E%3Ctitle%3EDownload_on_the_App_Store_Badge_US-UK_RGB_blk_4SVG_092917%3C%2Ftitle%3E%3Cg%3E%3Cg%3E%3Cg%3E%3Cpath%20d%3D%22M110.13477%2C0H9.53468c-.3667%2C0-.729%2C0-1.09473.002-.30615.002-.60986.00781-.91895.0127A13.21476%2C13.21476%2C0%2C0%2C0%2C5.5171.19141a6.66509%2C6.66509%2C0%2C0%2C0-1.90088.627A6.43779%2C6.43779%2C0%2C0%2C0%2C1.99757%2C1.99707%2C6.25844%2C6.25844%2C0%2C0%2C0%2C.81935%2C3.61816a6.60119%2C6.60119%2C0%2C0%2C0-.625%2C1.90332%2C12.993%2C12.993%2C0%2C0%2C0-.1792%2C2.002C.00587%2C7.83008.00489%2C8.1377%2C0%2C8.44434V31.5586c.00489.3105.00587.6113.01515.9219a12.99232%2C12.99232%2C0%2C0%2C0%2C.1792%2C2.0019%2C6.58756%2C6.58756%2C0%2C0%2C0%2C.625%2C1.9043A6.20778%2C6.20778%2C0%2C0%2C0%2C1.99757%2C38.001a6.27445%2C6.27445%2C0%2C0%2C0%2C1.61865%2C1.1787%2C6.70082%2C6.70082%2C0%2C0%2C0%2C1.90088.6308%2C13.45514%2C13.45514%2C0%2C0%2C0%2C2.0039.1768c.30909.0068.6128.0107.91895.0107C8.80567%2C40%2C9.168%2C40%2C9.53468%2C40H110.13477c.3594%2C0%2C.7246%2C0%2C1.084-.002.3047%2C0%2C.6172-.0039.9219-.0107a13.279%2C13.279%2C0%2C0%2C0%2C2-.1768%2C6.80432%2C6.80432%2C0%2C0%2C0%2C1.9082-.6308%2C6.27742%2C6.27742%2C0%2C0%2C0%2C1.6172-1.1787%2C6.39482%2C6.39482%2C0%2C0%2C0%2C1.1816-1.6143%2C6.60413%2C6.60413%2C0%2C0%2C0%2C.6191-1.9043%2C13.50643%2C13.50643%2C0%2C0%2C0%2C.1856-2.0019c.0039-.3106.0039-.6114.0039-.9219.0078-.3633.0078-.7246.0078-1.0938V9.53613c0-.36621%2C0-.72949-.0078-1.09179%2C0-.30664%2C0-.61426-.0039-.9209a13.5071%2C13.5071%2C0%2C0%2C0-.1856-2.002%2C6.6177%2C6.6177%2C0%2C0%2C0-.6191-1.90332%2C6.46619%2C6.46619%2C0%2C0%2C0-2.7988-2.7998%2C6.76754%2C6.76754%2C0%2C0%2C0-1.9082-.627%2C13.04394%2C13.04394%2C0%2C0%2C0-2-.17676c-.3047-.00488-.6172-.01074-.9219-.01269-.3594-.002-.7246-.002-1.084-.002Z%22%20fill%3D%22%23a6a6a6%22%20%2F%3E%3Cpath%20d%3D%22M8.44483%2C39.125c-.30468%2C0-.602-.0039-.90429-.0107a12.68714%2C12.68714%2C0%2C0%2C1-1.86914-.1631%2C5.88381%2C5.88381%2C0%2C0%2C1-1.65674-.5479%2C5.40573%2C5.40573%2C0%2C0%2C1-1.397-1.0166%2C5.32082%2C5.32082%2C0%2C0%2C1-1.02051-1.3965%2C5.72186%2C5.72186%2C0%2C0%2C1-.543-1.6572%2C12.41351%2C12.41351%2C0%2C0%2C1-.1665-1.875c-.00634-.2109-.01464-.9131-.01464-.9131V8.44434S.88185%2C7.75293.8877%2C7.5498a12.37039%2C12.37039%2C0%2C0%2C1%2C.16553-1.87207%2C5.7555%2C5.7555%2C0%2C0%2C1%2C.54346-1.6621A5.37349%2C5.37349%2C0%2C0%2C1%2C2.61183%2C2.61768%2C5.56543%2C5.56543%2C0%2C0%2C1%2C4.01417%2C1.59521a5.82309%2C5.82309%2C0%2C0%2C1%2C1.65332-.54394A12.58589%2C12.58589%2C0%2C0%2C1%2C7.543.88721L8.44532.875H111.21387l.9131.0127a12.38493%2C12.38493%2C0%2C0%2C1%2C1.8584.16259%2C5.93833%2C5.93833%2C0%2C0%2C1%2C1.6709.54785%2C5.59374%2C5.59374%2C0%2C0%2C1%2C2.415%2C2.41993%2C5.76267%2C5.76267%2C0%2C0%2C1%2C.5352%2C1.64892%2C12.995%2C12.995%2C0%2C0%2C1%2C.1738%2C1.88721c.0029.2832.0029.5874.0029.89014.0079.375.0079.73193.0079%2C1.09179V30.4648c0%2C.3633%2C0%2C.7178-.0079%2C1.0752%2C0%2C.3252%2C0%2C.6231-.0039.9297a12.73126%2C12.73126%2C0%2C0%2C1-.1709%2C1.8535%2C5.739%2C5.739%2C0%2C0%2C1-.54%2C1.67%2C5.48029%2C5.48029%2C0%2C0%2C1-1.0156%2C1.3857%2C5.4129%2C5.4129%2C0%2C0%2C1-1.3994%2C1.0225%2C5.86168%2C5.86168%2C0%2C0%2C1-1.668.5498%2C12.54218%2C12.54218%2C0%2C0%2C1-1.8692.1631c-.2929.0068-.5996.0107-.8974.0107l-1.084.002Z%22%20%2F%3E%3C%2Fg%3E%3Cg%20id%3D%22_Group_%22%20data-name%3D%22%26lt%3BGroup%26gt%3B%22%3E%3Cg%20id%3D%22_Group_2%22%20data-name%3D%22%26lt%3BGroup%26gt%3B%22%3E%3Cg%20id%3D%22_Group_3%22%20data-name%3D%22%26lt%3BGroup%26gt%3B%22%3E%3Cpath%20id%3D%22_Path_%22%20data-name%3D%22%26lt%3BPath%26gt%3B%22%20d%3D%22M24.76888%2C20.30068a4.94881%2C4.94881%2C0%2C0%2C1%2C2.35656-4.15206%2C5.06566%2C5.06566%2C0%2C0%2C0-3.99116-2.15768c-1.67924-.17626-3.30719%2C1.00483-4.1629%2C1.00483-.87227%2C0-2.18977-.98733-3.6085-.95814a5.31529%2C5.31529%2C0%2C0%2C0-4.47292%2C2.72787c-1.934%2C3.34842-.49141%2C8.26947%2C1.3612%2C10.97608.9269%2C1.32535%2C2.01018%2C2.8058%2C3.42763%2C2.7533%2C1.38706-.05753%2C1.9051-.88448%2C3.5794-.88448%2C1.65876%2C0%2C2.14479.88448%2C3.591.8511%2C1.48838-.02416%2C2.42613-1.33124%2C3.32051-2.66914a10.962%2C10.962%2C0%2C0%2C0%2C1.51842-3.09251A4.78205%2C4.78205%2C0%2C0%2C1%2C24.76888%2C20.30068Z%22%20fill%3D%22%23fff%22%20%2F%3E%3Cpath%20id%3D%22_Path_2%22%20data-name%3D%22%26lt%3BPath%26gt%3B%22%20d%3D%22M22.03725%2C12.21089a4.87248%2C4.87248%2C0%2C0%2C0%2C1.11452-3.49062%2C4.95746%2C4.95746%2C0%2C0%2C0-3.20758%2C1.65961%2C4.63634%2C4.63634%2C0%2C0%2C0-1.14371%2C3.36139A4.09905%2C4.09905%2C0%2C0%2C0%2C22.03725%2C12.21089Z%22%20fill%3D%22%23fff%22%20%2F%3E%3C%2Fg%3E%3C%2Fg%3E%3Cg%3E%3Cpath%20d%3D%22M42.30227%2C27.13965h-4.7334l-1.13672%2C3.35645H34.42727l4.4834-12.418h2.083l4.4834%2C12.418H43.438ZM38.0591%2C25.59082h3.752l-1.84961-5.44727h-.05176Z%22%20fill%3D%22%23fff%22%20%2F%3E%3Cpath%20d%3D%22M55.15969%2C25.96973c0%2C2.81348-1.50586%2C4.62109-3.77832%2C4.62109a3.0693%2C3.0693%2C0%2C0%2C1-2.84863-1.584h-.043v4.48438h-1.8584V21.44238H48.4302v1.50586h.03418a3.21162%2C3.21162%2C0%2C0%2C1%2C2.88281-1.60059C53.645%2C21.34766%2C55.15969%2C23.16406%2C55.15969%2C25.96973Zm-1.91016%2C0c0-1.833-.94727-3.03809-2.39258-3.03809-1.41992%2C0-2.375%2C1.23047-2.375%2C3.03809%2C0%2C1.82422.95508%2C3.0459%2C2.375%2C3.0459C52.30227%2C29.01563%2C53.24953%2C27.81934%2C53.24953%2C25.96973Z%22%20fill%3D%22%23fff%22%20%2F%3E%3Cpath%20d%3D%22M65.12453%2C25.96973c0%2C2.81348-1.50586%2C4.62109-3.77832%2C4.62109a3.0693%2C3.0693%2C0%2C0%2C1-2.84863-1.584h-.043v4.48438h-1.8584V21.44238H58.395v1.50586h.03418A3.21162%2C3.21162%2C0%2C0%2C1%2C61.312%2C21.34766C63.60988%2C21.34766%2C65.12453%2C23.16406%2C65.12453%2C25.96973Zm-1.91016%2C0c0-1.833-.94727-3.03809-2.39258-3.03809-1.41992%2C0-2.375%2C1.23047-2.375%2C3.03809%2C0%2C1.82422.95508%2C3.0459%2C2.375%2C3.0459C62.26711%2C29.01563%2C63.21438%2C27.81934%2C63.21438%2C25.96973Z%22%20fill%3D%22%23fff%22%20%2F%3E%3Cpath%20d%3D%22M71.71047%2C27.03613c.1377%2C1.23145%2C1.334%2C2.04%2C2.96875%2C2.04%2C1.56641%2C0%2C2.69336-.80859%2C2.69336-1.91895%2C0-.96387-.67969-1.541-2.28906-1.93652l-1.60937-.3877c-2.28027-.55078-3.33887-1.61719-3.33887-3.34766%2C0-2.14258%2C1.86719-3.61426%2C4.51855-3.61426%2C2.624%2C0%2C4.42285%2C1.47168%2C4.4834%2C3.61426h-1.876c-.1123-1.23926-1.13672-1.9873-2.63379-1.9873s-2.52148.75684-2.52148%2C1.8584c0%2C.87793.6543%2C1.39453%2C2.25488%2C1.79l1.36816.33594c2.54785.60254%2C3.60645%2C1.626%2C3.60645%2C3.44238%2C0%2C2.32324-1.85059%2C3.77832-4.79395%2C3.77832-2.75391%2C0-4.61328-1.4209-4.7334-3.667Z%22%20fill%3D%22%23fff%22%20%2F%3E%3Cpath%20d%3D%22M83.34621%2C19.2998v2.14258h1.72168v1.47168H83.34621v4.99121c0%2C.77539.34473%2C1.13672%2C1.10156%2C1.13672a5.80752%2C5.80752%2C0%2C0%2C0%2C.61133-.043v1.46289a5.10351%2C5.10351%2C0%2C0%2C1-1.03223.08594c-1.833%2C0-2.54785-.68848-2.54785-2.44434V22.91406H80.16262V21.44238H81.479V19.2998Z%22%20fill%3D%22%23fff%22%20%2F%3E%3Cpath%20d%3D%22M86.065%2C25.96973c0-2.84863%2C1.67773-4.63867%2C4.29395-4.63867%2C2.625%2C0%2C4.29492%2C1.79%2C4.29492%2C4.63867%2C0%2C2.85645-1.66113%2C4.63867-4.29492%2C4.63867C87.72609%2C30.6084%2C86.065%2C28.82617%2C86.065%2C25.96973Zm6.69531%2C0c0-1.9541-.89551-3.10742-2.40137-3.10742s-2.40039%2C1.16211-2.40039%2C3.10742c0%2C1.96191.89453%2C3.10645%2C2.40039%2C3.10645S92.76027%2C27.93164%2C92.76027%2C25.96973Z%22%20fill%3D%22%23fff%22%20%2F%3E%3Cpath%20d%3D%22M96.18606%2C21.44238h1.77246v1.541h.043a2.1594%2C2.1594%2C0%2C0%2C1%2C2.17773-1.63574%2C2.86616%2C2.86616%2C0%2C0%2C1%2C.63672.06934v1.73828a2.59794%2C2.59794%2C0%2C0%2C0-.835-.1123%2C1.87264%2C1.87264%2C0%2C0%2C0-1.93652%2C2.083v5.37012h-1.8584Z%22%20fill%3D%22%23fff%22%20%2F%3E%3Cpath%20d%3D%22M109.3843%2C27.83691c-.25%2C1.64355-1.85059%2C2.77148-3.89844%2C2.77148-2.63379%2C0-4.26855-1.76465-4.26855-4.5957%2C0-2.83984%2C1.64355-4.68164%2C4.19043-4.68164%2C2.50488%2C0%2C4.08008%2C1.7207%2C4.08008%2C4.46582v.63672h-6.39453v.1123a2.358%2C2.358%2C0%2C0%2C0%2C2.43555%2C2.56445%2C2.04834%2C2.04834%2C0%2C0%2C0%2C2.09082-1.27344Zm-6.28223-2.70215h4.52637a2.1773%2C2.1773%2C0%2C0%2C0-2.2207-2.29785A2.292%2C2.292%2C0%2C0%2C0%2C103.10207%2C25.13477Z%22%20fill%3D%22%23fff%22%20%2F%3E%3C%2Fg%3E%3C%2Fg%3E%3C%2Fg%3E%3Cg%20id%3D%22_Group_4%22%20data-name%3D%22%26lt%3BGroup%26gt%3B%22%3E%3Cg%3E%3Cpath%20d%3D%22M37.82619%2C8.731a2.63964%2C2.63964%2C0%2C0%2C1%2C2.80762%2C2.96484c0%2C1.90625-1.03027%2C3.002-2.80762%2C3.002H35.67092V8.731Zm-1.22852%2C5.123h1.125a1.87588%2C1.87588%2C0%2C0%2C0%2C1.96777-2.146%2C1.881%2C1.881%2C0%2C0%2C0-1.96777-2.13379h-1.125Z%22%20fill%3D%22%23fff%22%20%2F%3E%3Cpath%20d%3D%22M41.68068%2C12.44434a2.13323%2C2.13323%2C0%2C1%2C1%2C4.24707%2C0%2C2.13358%2C2.13358%2C0%2C1%2C1-4.24707%2C0Zm3.333%2C0c0-.97607-.43848-1.54687-1.208-1.54687-.77246%2C0-1.207.5708-1.207%2C1.54688%2C0%2C.98389.43457%2C1.55029%2C1.207%2C1.55029C44.57522%2C13.99463%2C45.01369%2C13.42432%2C45.01369%2C12.44434Z%22%20fill%3D%22%23fff%22%20%2F%3E%3Cpath%20d%3D%22M51.57326%2C14.69775h-.92187l-.93066-3.31641h-.07031l-.92676%2C3.31641h-.91309l-1.24121-4.50293h.90137l.80664%2C3.436h.06641l.92578-3.436h.85254l.92578%2C3.436h.07031l.80273-3.436h.88867Z%22%20fill%3D%22%23fff%22%20%2F%3E%3Cpath%20d%3D%22M53.85354%2C10.19482H54.709v.71533h.06641a1.348%2C1.348%2C0%2C0%2C1%2C1.34375-.80225%2C1.46456%2C1.46456%2C0%2C0%2C1%2C1.55859%2C1.6748v2.915h-.88867V12.00586c0-.72363-.31445-1.0835-.97168-1.0835a1.03294%2C1.03294%2C0%2C0%2C0-1.0752%2C1.14111v2.63428h-.88867Z%22%20fill%3D%22%23fff%22%20%2F%3E%3Cpath%20d%3D%22M59.09377%2C8.437h.88867v6.26074h-.88867Z%22%20fill%3D%22%23fff%22%20%2F%3E%3Cpath%20d%3D%22M61.21779%2C12.44434a2.13346%2C2.13346%2C0%2C1%2C1%2C4.24756%2C0%2C2.1338%2C2.1338%2C0%2C1%2C1-4.24756%2C0Zm3.333%2C0c0-.97607-.43848-1.54687-1.208-1.54687-.77246%2C0-1.207.5708-1.207%2C1.54688%2C0%2C.98389.43457%2C1.55029%2C1.207%2C1.55029C64.11232%2C13.99463%2C64.5508%2C13.42432%2C64.5508%2C12.44434Z%22%20fill%3D%22%23fff%22%20%2F%3E%3Cpath%20d%3D%22M66.4009%2C13.42432c0-.81055.60352-1.27783%2C1.6748-1.34424l1.21973-.07031v-.38867c0-.47559-.31445-.74414-.92187-.74414-.49609%2C0-.83984.18213-.93848.50049h-.86035c.09082-.77344.81836-1.26953%2C1.83984-1.26953%2C1.12891%2C0%2C1.76563.562%2C1.76563%2C1.51318v3.07666h-.85547v-.63281h-.07031a1.515%2C1.515%2C0%2C0%2C1-1.35254.707A1.36026%2C1.36026%2C0%2C0%2C1%2C66.4009%2C13.42432Zm2.89453-.38477v-.37646l-1.09961.07031c-.62012.0415-.90137.25244-.90137.64941%2C0%2C.40527.35156.64111.835.64111A1.0615%2C1.0615%2C0%2C0%2C0%2C69.29543%2C13.03955Z%22%20fill%3D%22%23fff%22%20%2F%3E%3Cpath%20d%3D%22M71.34816%2C12.44434c0-1.42285.73145-2.32422%2C1.86914-2.32422a1.484%2C1.484%2C0%2C0%2C1%2C1.38086.79h.06641V8.437h.88867v6.26074h-.85156v-.71143h-.07031a1.56284%2C1.56284%2C0%2C0%2C1-1.41406.78564C72.0718%2C14.772%2C71.34816%2C13.87061%2C71.34816%2C12.44434Zm.918%2C0c0%2C.95508.4502%2C1.52979%2C1.20313%2C1.52979.749%2C0%2C1.21191-.583%2C1.21191-1.52588%2C0-.93848-.46777-1.52979-1.21191-1.52979C72.72121%2C10.91846%2C72.26613%2C11.49707%2C72.26613%2C12.44434Z%22%20fill%3D%22%23fff%22%20%2F%3E%3Cpath%20d%3D%22M79.23%2C12.44434a2.13323%2C2.13323%2C0%2C1%2C1%2C4.24707%2C0%2C2.13358%2C2.13358%2C0%2C1%2C1-4.24707%2C0Zm3.333%2C0c0-.97607-.43848-1.54687-1.208-1.54687-.77246%2C0-1.207.5708-1.207%2C1.54688%2C0%2C.98389.43457%2C1.55029%2C1.207%2C1.55029C82.12453%2C13.99463%2C82.563%2C13.42432%2C82.563%2C12.44434Z%22%20fill%3D%22%23fff%22%20%2F%3E%3Cpath%20d%3D%22M84.66945%2C10.19482h.85547v.71533h.06641a1.348%2C1.348%2C0%2C0%2C1%2C1.34375-.80225%2C1.46456%2C1.46456%2C0%2C0%2C1%2C1.55859%2C1.6748v2.915H87.605V12.00586c0-.72363-.31445-1.0835-.97168-1.0835a1.03294%2C1.03294%2C0%2C0%2C0-1.0752%2C1.14111v2.63428h-.88867Z%22%20fill%3D%22%23fff%22%20%2F%3E%3Cpath%20d%3D%22M93.51516%2C9.07373v1.1416h.97559v.74854h-.97559V13.2793c0%2C.47168.19434.67822.63672.67822a2.96657%2C2.96657%2C0%2C0%2C0%2C.33887-.02051v.74023a2.9155%2C2.9155%2C0%2C0%2C1-.4834.04541c-.98828%2C0-1.38184-.34766-1.38184-1.21582v-2.543h-.71484v-.74854h.71484V9.07373Z%22%20fill%3D%22%23fff%22%20%2F%3E%3Cpath%20d%3D%22M95.70461%2C8.437h.88086v2.48145h.07031a1.3856%2C1.3856%2C0%2C0%2C1%2C1.373-.80664%2C1.48339%2C1.48339%2C0%2C0%2C1%2C1.55078%2C1.67871v2.90723H98.69v-2.688c0-.71924-.335-1.0835-.96289-1.0835a1.05194%2C1.05194%2C0%2C0%2C0-1.13379%2C1.1416v2.62988h-.88867Z%22%20fill%3D%22%23fff%22%20%2F%3E%3Cpath%20d%3D%22M104.76125%2C13.48193a1.828%2C1.828%2C0%2C0%2C1-1.95117%2C1.30273A2.04531%2C2.04531%2C0%2C0%2C1%2C100.73%2C12.46045a2.07685%2C2.07685%2C0%2C0%2C1%2C2.07617-2.35254c1.25293%2C0%2C2.00879.856%2C2.00879%2C2.27V12.688h-3.17969v.0498a1.1902%2C1.1902%2C0%2C0%2C0%2C1.19922%2C1.29%2C1.07934%2C1.07934%2C0%2C0%2C0%2C1.07129-.5459Zm-3.126-1.45117h2.27441a1.08647%2C1.08647%2C0%2C0%2C0-1.1084-1.1665A1.15162%2C1.15162%2C0%2C0%2C0%2C101.63527%2C12.03076Z%22%20fill%3D%22%23fff%22%20%2F%3E%3C%2Fg%3E%3C%2Fg%3E%3C%2Fg%3E%3C%2Fsvg%3E)](https:\/\/nerdwallet.onelink.me\/3687710914\/87a0b5b3)\n\n4\\.8\n\n121,000+ reviews\n\n[![Get it on Google Play](data:image\/svg+xml,%3Csvg%20xmlns%3D%22http%3A%2F%2Fwww.w3.org%2F2000%2Fsvg%22%20height%3D%2240%22%20width%3D%22130%22%20x%3D%220px%22%20y%3D%220px%22%20viewBox%3D%220%200%205435.8%201604%22%20%3E%3Cpath%20fill-rule%3D%22evenodd%22%20clip-rule%3D%22evenodd%22%20d%3D%22M5234.4%2C1604h-5033C90.4%2C1604%2C0%2C1513.6%2C0%2C1403.5v-1203C0%2C90%2C90.4%2C0%2C201.4%2C0h5033c110.9%2C0%2C201.4%2C90%2C201.4%2C200.5%20v1203C5435.8%2C1513.6%2C5345.3%2C1604%2C5234.4%2C1604z%22%2F%3E%3Cpath%20fill%3D%22%23A6A6A6%22%20fill-rule%3D%22evenodd%22%20clip-rule%3D%22evenodd%22%20d%3D%22M5234.4%2C32.1c93.1%2C0%2C169.3%2C75.7%2C169.3%2C168.4v1203c0%2C92.7-75.7%2C168.4-169.3%2C168.4h-5033%20c-93.1%2C0-169.3-75.7-169.3-168.4v-1203c0-92.7%2C75.7-168.4%2C169.3-168.4C201.4%2C32.1%2C5234.4%2C32.1%2C5234.4%2C32.1z%20M5234.4%2C0h-5033%20C90.4%2C0%2C0%2C90.4%2C0%2C200.5v1203C0%2C1514%2C90.4%2C1604%2C201.4%2C1604h5033c110.9%2C0%2C201.4-90%2C201.4-200.5v-1203C5435.8%2C90.4%2C5345.3%2C0%2C5234.4%2C0z%22%2F%3E%3Cpath%20fill%3D%22%23FFFFFF%22%20d%3D%22M2863.6%2C530.6c-36.3%2C0-66.9-12.7-91.1-37.7c-24-24.3-37.4-57.8-36.8-92c0-36.5%2C12.4-67.4%2C36.8-91.9%20c24.1-25%2C54.7-37.7%2C91-37.7c35.9%2C0%2C66.5%2C12.7%2C91.1%2C37.7c24.4%2C25.3%2C36.8%2C56.2%2C36.8%2C91.9c-0.4%2C36.6-12.8%2C67.5-36.8%2C91.9%20C2930.5%2C518%2C2899.9%2C530.6%2C2863.6%2C530.6z%20M1783.5%2C530.6c-35.5%2C0-66.3-12.5-91.5-37.2c-25-24.6-37.7-55.7-37.7-92.4%20s12.7-67.8%2C37.7-92.4c24.7-24.7%2C55.5-37.2%2C91.5-37.2c17.6%2C0%2C34.7%2C3.5%2C51.1%2C10.6c16.1%2C6.9%2C29.2%2C16.3%2C38.9%2C27.8l2.4%2C2.9l-27.1%2C26.6%20l-2.8-3.3c-15.3-18.2-35.8-27.1-62.9-27.1c-24.2%2C0-45.3%2C8.6-62.7%2C25.6c-17.5%2C17.1-26.4%2C39.5-26.4%2C66.6s8.9%2C49.5%2C26.4%2C66.6%20c17.4%2C17%2C38.5%2C25.6%2C62.7%2C25.6c25.8%2C0%2C47.5-8.6%2C64.4-25.6c10-10%2C16.2-24%2C18.4-41.7h-86.9v-37.4h124.2l0.5%2C3.4%20c0.9%2C6.3%2C1.8%2C12.8%2C1.8%2C18.8c0%2C34.5-10.4%2C62.4-31%2C83C1851.1%2C518.2%2C1820.5%2C530.6%2C1783.5%2C530.6z%20M3219.6%2C525.3h-38.3L3064%2C337.6l1%2C33.8%20v153.8h-38.3V276.7h43.7l1.2%2C1.9l110.3%2C176.8l-1-33.7V276.7h38.7V525.3z%20M2575.8%2C525.3H2537V314.1h-67.3v-37.4H2643v37.4h-67.3%20V525.3z%20M2438.1%2C525.3h-38.7V276.7h38.7V525.3z%20M2220.6%2C525.3h-38.7V314.1h-67.3v-37.4h173.3v37.4h-67.3V525.3z%20M2090.1%2C524.9%20h-148.4V276.7h148.4v37.4h-109.6v68.2h98.9v37h-98.9v68.2h109.6V524.9z%20M2800.9%2C467.2c17.3%2C17.3%2C38.3%2C26%2C62.7%2C26%20c25.1%2C0%2C45.6-8.5%2C62.7-26c17-17%2C25.6-39.3%2C25.6-66.2s-8.6-49.3-25.5-66.2c-17.3-17.3-38.4-26-62.7-26c-25.1%2C0-45.6%2C8.5-62.6%2C26%20c-17%2C17-25.6%2C39.3-25.6%2C66.2S2784%2C450.3%2C2800.9%2C467.2L2800.9%2C467.2z%22%2F%3E%3Cpath%20fill%3D%22%23FFFFFF%22%20fill-rule%3D%22evenodd%22%20clip-rule%3D%22evenodd%22%20d%3D%22M2732.1%2C872.4c-94.5%2C0-171.1%2C71.7-171.1%2C170.6c0%2C98%2C77.1%2C170.6%2C171.1%2C170.6c94.5%2C0%2C171.1-72.2%2C171.1-170.6%20C2903.2%2C944.1%2C2826.6%2C872.4%2C2732.1%2C872.4z%20M2732.1%2C1146c-51.7%2C0-96.2-42.8-96.2-103.4c0-61.5%2C44.6-103.4%2C96.2-103.4%20c51.7%2C0%2C96.2%2C41.9%2C96.2%2C103.4C2828.4%2C1103.6%2C2783.8%2C1146%2C2732.1%2C1146z%20M2358.8%2C872.4c-94.5%2C0-171.1%2C71.7-171.1%2C170.6%20c0%2C98%2C77.1%2C170.6%2C171.1%2C170.6c94.5%2C0%2C171.1-72.2%2C171.1-170.6C2529.9%2C944.1%2C2453.2%2C872.4%2C2358.8%2C872.4z%20M2358.8%2C1146%20c-51.7%2C0-96.2-42.8-96.2-103.4c0-61.5%2C44.6-103.4%2C96.2-103.4c51.7%2C0%2C96.2%2C41.9%2C96.2%2C103.4C2455%2C1103.6%2C2410.5%2C1146%2C2358.8%2C1146z%20M1914.6%2C924.5v72.2h173.3c-5.3%2C40.5-18.7%2C70.4-39.2%2C90.9c-25.4%2C25.4-64.6%2C53-133.7%2C53c-106.5%2C0-189.8-86-189.8-192.5%20s83.3-192.5%2C189.8-192.5c57.5%2C0%2C99.4%2C22.7%2C130.5%2C51.7l51.2-51.2c-43.2-41.4-100.7-73.1-181.3-73.1c-146.1%2C0-268.7%2C119-268.7%2C264.7%20c0%2C146.1%2C122.5%2C264.7%2C268.7%2C264.7c78.9%2C0%2C138.1-25.8%2C184.9-74.4c47.7-47.7%2C62.8-115%2C62.8-169.3c0-16.9-1.3-32.1-4-45h-244.6%20C1914.6%2C923.6%2C1914.6%2C924.5%2C1914.6%2C924.5z%20M3731.5%2C980.7c-14.3-38.3-57.5-108.7-146.1-108.7c-87.8%2C0-160.8%2C69.1-160.8%2C170.6%20c0%2C95.8%2C72.2%2C170.6%2C169.3%2C170.6c78%2C0%2C123.4-47.7%2C142.1-75.7l-57.9-38.8c-19.2%2C28.5-45.9%2C47.2-83.8%2C47.2c-38.3%2C0-65.1-17.4-82.9-51.7%20l228.1-94.5C3739.5%2C999.8%2C3731.5%2C980.7%2C3731.5%2C980.7z%20M3498.9%2C1037.7c-1.8-65.9%2C51.2-99.4%2C89.1-99.4c29.9%2C0%2C54.8%2C14.7%2C63.3%2C36.1%20L3498.9%2C1037.7z%20M3313.6%2C1203h74.9V701.8h-74.9V1203z%20M3190.6%2C910.3h-2.7c-16.9-20.1-49-38.3-90-38.3%20c-85.1%2C0-163.5%2C74.9-163.5%2C171.1c0%2C95.8%2C78%2C169.8%2C163.5%2C169.8c40.5%2C0%2C73.1-18.3%2C90-38.8h2.7v24.5c0%2C65.1-34.8%2C100.2-90.9%2C100.2%20c-45.9%2C0-74.4-33-86-60.6l-65.1%2C27.2c18.7%2C45%2C68.6%2C100.7%2C151%2C100.7c87.8%2C0%2C162.2-51.7%2C162.2-177.8V882.2h-70.8v28.1%20C3191.1%2C910.3%2C3190.6%2C910.3%2C3190.6%2C910.3z%20M3104.6%2C1146c-51.7%2C0-94.9-43.2-94.9-102.9c0-60.2%2C43.2-103.8%2C94.9-103.8%20c51.2%2C0%2C90.9%2C44.1%2C90.9%2C103.8C3196%2C1102.8%2C3155.9%2C1146%2C3104.6%2C1146z%20M4082.2%2C701.8h-179.1V1203h74.9v-189.8h104.3%20c82.9%2C0%2C164.4-60.1%2C164.4-155.5S4165.5%2C701.8%2C4082.2%2C701.8z%20M4084.4%2C943.2h-106.5v-172h106.5c56.1%2C0%2C87.8%2C46.3%2C87.8%2C86%20C4172.2%2C896.5%2C4140.1%2C943.2%2C4084.4%2C943.2z%20M4546.9%2C871.5c-54.4%2C0-110.5%2C24.1-133.7%2C76.6l66.4%2C27.6c14.3-27.6%2C40.5-37%2C68.2-37%20c38.8%2C0%2C78%2C23.2%2C78.9%2C64.6v5.3c-13.4-7.6-42.8-19.2-78-19.2c-71.7%2C0-144.4%2C39.2-144.4%2C112.7c0%2C67.3%2C58.8%2C110.5%2C124.3%2C110.5%20c50.3%2C0%2C78-22.7%2C95.3-49h2.7v38.8h72.2v-192C4698.8%2C921%2C4632.4%2C871.5%2C4546.9%2C871.5z%20M4537.5%2C1146c-24.5%2C0-58.8-12-58.8-42.8%20c0-38.8%2C42.8-53.5%2C79.3-53.5c33%2C0%2C48.6%2C7.1%2C68.2%2C16.9C4620.8%2C1111.6%2C4582.8%2C1145.6%2C4537.5%2C1146z%20M4962.2%2C882.2l-86%2C217.4h-2.7%20l-89.1-217.4h-80.6l133.7%2C303.9l-76.2%2C168.9h78L5045%2C882.2C5045%2C882.2%2C4962.2%2C882.2%2C4962.2%2C882.2z%20M4288%2C1203h74.9V701.8H4288V1203z%20%22%2F%3E%3ClinearGradient%20id%3D%22SVGID_1_%22%20gradientUnits%3D%22userSpaceOnUse%22%20x1%3D%221682.1077%22%20y1%3D%221339.4783%22%20x2%3D%221624.2924%22%20y2%3D%221309.6345%22%20gradientTransform%3D%22matrix\$11.64%200%200%20-22.55%20-18705.5957%2030554.3691\$%22%3E%3Cstop%20offset%3D%220%22%20style%3D%22stop-color%3A%2300A0FF%22%2F%3E%3Cstop%20offset%3D%226.569999e-03%22%20style%3D%22stop-color%3A%2300A1FF%22%2F%3E%3Cstop%20offset%3D%220.2601%22%20style%3D%22stop-color%3A%2300BEFF%22%2F%3E%3Cstop%20offset%3D%220.5122%22%20style%3D%22stop-color%3A%2300D2FF%22%2F%3E%3Cstop%20offset%3D%220.7604%22%20style%3D%22stop-color%3A%2300DFFF%22%2F%3E%3Cstop%20offset%3D%221%22%20style%3D%22stop-color%3A%2300E3FF%22%2F%3E%3C%2FlinearGradient%3E%3Cpath%20fill-rule%3D%22evenodd%22%20clip-rule%3D%22evenodd%22%20fill%3D%22url\$%23SVGID_1_\$%22%20d%3D%22M418.4%2C302.1c-11.6%2C12.5-18.3%2C31.6-18.3%2C56.6v886.7c0%2C25%2C6.7%2C44.1%2C18.7%2C56.1l3.1%2C2.7l496.8-496.8v-11.1%20L421.5%2C299.4C421.5%2C299.4%2C418.4%2C302.1%2C418.4%2C302.1z%22%2F%3E%3ClinearGradient%20id%3D%22SVGID_2_%22%20gradientUnits%3D%22userSpaceOnUse%22%20x1%3D%221712.6624%22%20y1%3D%221274.8376%22%20x2%3D%221606.5613%22%20y2%3D%221274.8376%22%20gradientTransform%3D%22matrix\$9.145%200%200%20-7.7%20-14305.5381%2010618.251\$%22%3E%3Cstop%20offset%3D%220%22%20style%3D%22stop-color%3A%23FFE000%22%2F%3E%3Cstop%20offset%3D%220.4087%22%20style%3D%22stop-color%3A%23FFBD00%22%2F%3E%3Cstop%20offset%3D%220.7754%22%20style%3D%22stop-color%3A%23FFA500%22%2F%3E%3Cstop%20offset%3D%221%22%20style%3D%22stop-color%3A%23FF9C00%22%2F%3E%3C%2FlinearGradient%3E%3Cpath%20fill-rule%3D%22evenodd%22%20clip-rule%3D%22evenodd%22%20fill%3D%22url\$%23SVGID_2_\$%22%20d%3D%22M1084%2C973.5L918.3%2C807.8v-11.6L1084%2C630.5l3.6%2C2.2l196%2C111.4c56.1%2C31.6%2C56.1%2C83.8%2C0%2C115.8l-196%2C111.4%20C1087.6%2C971.3%2C1084%2C973.5%2C1084%2C973.5z%22%2F%3E%3ClinearGradient%20id%3D%22SVGID_3_%22%20gradientUnits%3D%22userSpaceOnUse%22%20x1%3D%221707.4414%22%20y1%3D%221290.0475%22%20x2%3D%221646.682%22%20y2%3D%221211.2225%22%20gradientTransform%3D%22matrix\$15.02%200%200%20-11.5775%20-24650.2285%2015829.6484\$%22%3E%3Cstop%20offset%3D%220%22%20style%3D%22stop-color%3A%23FF3A44%22%2F%3E%3Cstop%20offset%3D%221%22%20style%3D%22stop-color%3A%23C31162%22%2F%3E%3C%2FlinearGradient%3E%3Cpath%20fill%3D%22url\$%23SVGID_3_\$%22%20fill-rule%3D%22evenodd%22%20clip-rule%3D%22evenodd%22%20d%3D%22M1087.6%2C971.3L918.3%2C802l-499.9%2C499.9c18.3%2C19.6%2C49%2C21.8%2C83.3%2C2.7L1087.6%2C971.3%22%2F%3E%3ClinearGradient%20id%3D%22SVGID_4_%22%20gradientUnits%3D%22userSpaceOnUse%22%20x1%3D%221660.6357%22%20y1%3D%221365.6676%22%20x2%3D%221687.767%22%20y2%3D%221330.4501%22%20gradientTransform%3D%22matrix\$15.02%200%200%20-11.5715%20-24650.2285%2015809.9922\$%22%3E%3Cstop%20offset%3D%220%22%20style%3D%22stop-color%3A%2332A071%22%2F%3E%3Cstop%20offset%3D%226.850000e-02%22%20style%3D%22stop-color%3A%232DA771%22%2F%3E%3Cstop%20offset%3D%220.4762%22%20style%3D%22stop-color%3A%2315CF74%22%2F%3E%3Cstop%20offset%3D%220.8009%22%20style%3D%22stop-color%3A%2306E775%22%2F%3E%3Cstop%20offset%3D%221%22%20style%3D%22stop-color%3A%2300F076%22%2F%3E%3C%2FlinearGradient%3E%3Cpath%20fill%3D%22url\$%23SVGID_4_\$%22%20fill-rule%3D%22evenodd%22%20enable-background%3D%22new%22%20clip-rule%3D%22evenodd%22%20d%3D%22M1087.6%2C632.7L501.7%2C299.9c-34.3-19.6-65.1-16.9-83.3%2C2.7L918.3%2C802L1087.6%2C632.7z%22%2F%3E%3Cpath%20fill-rule%3D%22evenodd%22%20clip-rule%3D%22evenodd%22%20opacity%3D%220.2%22%20d%3D%22M1084%2C967.7l-581.9%2C330.6c-32.5%2C18.7-61.5%2C17.4-80.2%2C0.4l-3.1%2C3.1l3.1%2C2.7c18.7%2C16.9%2C47.7%2C18.3%2C80.2-0.4%20L1088%2C971.3C1088%2C971.3%2C1084%2C967.7%2C1084%2C967.7z%22%2F%3E%3Cpath%20fill-rule%3D%22evenodd%22%20clip-rule%3D%22evenodd%22%20opacity%3D%220.12%22%20enable-background%3D%22new%22%20d%3D%22M1283.6%2C854.1l-200.1%2C113.6l3.6%2C3.6l196-111.4c28.1-16%2C41.9-37%2C41.9-57.9C1323.3%2C821.2%2C1309%2C839.4%2C1283.6%2C854.1%20z%22%2F%3E%3Cpath%20fill-rule%3D%22evenodd%22%20clip-rule%3D%22evenodd%22%20opacity%3D%220.25%22%20enable-background%3D%22new%22%20d%3D%22M501.7%2C305.7l781.9%2C444.2c25.4%2C14.3%2C39.7%2C33%2C41.9%2C52.1c0-20.9-13.8-41.9-41.9-57.9L501.7%2C299.9%20c-56.1-32.1-101.6-5.3-101.6%2C58.8v5.8C400.1%2C300.3%2C445.6%2C274%2C501.7%2C305.7z%22%2F%3E%3C%2Fsvg%3E)](https:\/\/nerdwallet.onelink.me\/3687710914\/233a7a41)\n\n4\\.3\n\n31,200+ reviews\n\n![QR code for downloading the app](data:image\/png;base64,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)\n\nAbout\n\n[Company](https:\/\/www.nerdwallet.com\/company)[Leadership](https:\/\/www.nerdwallet.com\/leadership)[Careers](https:\/\/www.nerdwallet.com\/careers)[Corporate impact](https:\/\/www.nerdwallet.com\/corporate-impact)[Diversity & Inclusion](https:\/\/www.nerdwallet.com\/diversity-inclusion)[Editorial guidelines](https:\/\/www.nerdwallet.com\/l\/nerdwallet-editorial-guidelines)[Star rating methodologies](https:\/\/www.nerdwallet.com\/l\/rating-methodologies)[Editorial team](https:\/\/www.nerdwallet.com\/l\/nerdwallet-editorial-team)[Press](https:\/\/www.nerdwallet.com\/press)[Press kit](https:\/\/www.nerdwallet.com\/kit)[Investors](https:\/\/investors.nerdwallet.com\/)\n\nHelp\n\n[Help center](https:\/\/support.nerdwallet.com\/hc\/en-us)[Security FAQs](https:\/\/www.nerdwallet.com\/l\/security)\n\nLegal\n\n[Terms of use](https:\/\/www.nerdwallet.com\/p\/terms-of-use)[Supplier Code of Conduct](https:\/\/www.nerdwallet.com\/p\/supplier-code-of-conduct)[Privacy policy](https:\/\/www.nerdwallet.com\/p\/privacy-policy)[California privacy policy](https:\/\/www.nerdwallet.com\/p\/nerdwallet-california-privacy-policy)[Privacy preferences](https:\/\/www.nerdwallet.com\/p\/privacy-policy)[Do not sell or share my personal information](https:\/\/privacyportal.onetrust.com\/webform\/694a76f6-1f82-455e-b46e-ffeed902c3fa\/db85134f-a11a-451c-a462-3f2f39a662bc)\n\nDisclaimer: NerdWallet strives to keep its information accurate and up to date. This information may be different than what you see when you visit a financial institution, service provider or specific product's site. All financial products, shopping products and services are presented without warranty. When evaluating offers, please review the financial institution's Terms and Conditions. Pre-qualified offers are not binding. If you find discrepancies with your credit score or information from your credit report, please contact TransUnion® directly.\n\nNerdWallet Compare, Inc. NMLS ID\\# 1617539[NMLS Consumer Access](https:\/\/www.nmlsconsumeraccess.org\/EntityDetails.aspx\/COMPANY\/1617539) \\|[Licenses and Disclosures](https:\/\/www.nerdwallet.com\/p\/nerdwallet-compare-inc-licenses-and-disclosures)\n\nCalifornia: California Finance Lender loans arranged pursuant to Department of Financial Protection and Innovation Finance Lenders License \\#60DBO-74812\n\nInsurance Services offered through NerdWallet Insurance Services, Inc. (CA resident license no.OK92033) [Insurance Licenses](https:\/\/www.nerdwallet.com\/nerdwallet-insurance-services-inc-licenses-and-disclosures)\n\nFundera, Inc. NMLS ID\\# 1240038[NMLS Consumer Access](https:\/\/nmlsconsumeraccess.org\/)\n\nCalifornia: California Finance Lender loans arranged pursuant to the Department of Financial Protection and Innovation Finance Lenders License \\#603L288\n\nNerdWallet has engaged Atomic Invest LLC (“Atomic”), an SEC-registered investment adviser, to bring you the opportunity to open investment advisory accounts (Automated Investing Account and\/or Treasury Account) with Atomic. NerdWallet receives compensation of 0% to 0.85% of assets under management annualized, payable monthly, for each referred client who opens an Atomic account and a percentage of free cash interest earned by clients, which creates a conflict of interest. Brokerage services for Atomic are provided by Atomic Brokerage LLC (\"Atomic Brokerage\"), member of [FINRA](https:\/\/www.finra.org\/#\/)\/[SIPC](https:\/\/www.sipc.org\/) and an affiliate of Atomic, which creates a conflict of interest. See details about Atomic, in their [Form CRS](https:\/\/reports.adviserinfo.sec.gov\/crs\/crs_313255.pdf), [Form ADV Part 2A](https:\/\/adviserinfo.sec.gov\/firm\/brochure\/313255) and [Privacy Policy](https:\/\/legal.atomicvest.com\/usa.privacy.de3d0277-78f7-4741-9e9f-755f6b4f03ba.pdf). See details about Atomic Brokerage in their [Form CRS](https:\/\/files.brokercheck.finra.org\/crs_315263.pdf), [General Disclosures](https:\/\/legal.atomicvest.com\/usa.broker.disclosures.003464f3-f6bd-41c3-bbdf-7050e50b43a2.pdf), [fee schedule](https:\/\/legal.atomicvest.com\/usa.broker.schedule.7ea28665-88a9-4542-a748-987e90ea46b6.pdf), and FINRA’s [BrokerCheck](https:\/\/brokercheck.finra.org\/).\n\nYou also can open a Cash Account offered by Atomic Brokerage which allows you to earn interest on your cash through a cash sweep program. [View Important Cash Account Disclosures.](https:\/\/www.atomicvest.com\/legal\/disclosures\/7d9c31dd-bf97-46ae-9803-1774b97187af)\n\nNeither Atomic Invest nor Atomic Brokerage, nor any of their affiliates is a bank. Investments in securities: Not FDIC Insured, Not Bank Guaranteed, May Lose Value. Investing involves risk, including the possible loss of principal. Before investing, consider your investment objectives and the fees and expenses charged.\n\nImages are for illustrative purposes only.\n\nNerdWallet™ \\| 4150 N Drinkwater Blvd, Suite 200, Scottsdale, AZ 85251\n\n[![US](data:image\/svg+xml,%3Csvg%20xmlns%3D%22http%3A%2F%2Fwww.w3.org%2F2000%2Fsvg%22%20width%3D%2224%22%20height%3D%2224%22%20viewBox%3D%220%200%2024%2024%22%20fill%3D%22none%22%3E%3Cg%20clipPath%3D%22url\$%23clipUS\$%22%3E%3Cpath%20d%3D%22M22.81%204H1.42004V18.58H22.81V4Z%22%20stroke%3D%22currentColor%22%20strokeMiterlimit%3D%2210%22%20strokeLinejoin%3D%22round%22%20%2F%3E%3Cpath%20d%3D%22M22.81%204H1.42004V5.12H22.81V4Z%22%20fill%3D%22currentColor%22%20%2F%3E%3Cpath%20d%3D%22M22.81%206.24H1.42004V7.36H22.81V6.24Z%22%20fill%3D%22currentColor%22%20%2F%3E%3Cpath%20d%3D%22M22.81%208.48H1.42004V9.6H22.81V8.48Z%22%20fill%3D%22currentColor%22%20%2F%3E%3Cpath%20d%3D%22M22.81%2010.73H1.42004V11.85H22.81V10.73Z%22%20fill%3D%22currentColor%22%20%2F%3E%3Cpath%20d%3D%22M22.81%2012.97H1.42004V14.09H22.81V12.97Z%22%20fill%3D%22currentColor%22%20%2F%3E%3Cpath%20d%3D%22M22.81%2015.21H1.42004V16.33H22.81V15.21Z%22%20fill%3D%22currentColor%22%20%2F%3E%3Cpath%20d%3D%22M22.81%2017.46H1.42004V18.58H22.81V17.46Z%22%20fill%3D%22currentColor%22%20%2F%3E%3Cpath%20d%3D%22M9.97004%204H1.42004V11.85H9.97004V4Z%22%20fill%3D%22currentColor%22%20%2F%3E%3Cpath%20d%3D%22M1.82007%204.63L2.02007%204.83L1.94007%205.14L2.15007%204.95L2.35007%205.14L2.27007%204.83L2.48007%204.63H2.22007L2.15007%204.32L2.07007%204.63H1.82007Z%22%20fill%3D%22white%22%20%2F%3E%3Cpath%20d%3D%22M3.23999%204.63L3.43999%204.83L3.35999%205.14L3.56999%204.95L3.76999%205.14L3.68999%204.83L3.88999%204.63H3.63999L3.56999%204.32L3.48999%204.63H3.23999Z%22%20fill%3D%22white%22%20%2F%3E%3Cpath%20d%3D%22M4.65002%204.63L4.86002%204.83L4.78002%205.14L4.98002%204.95L5.19002%205.14L5.11002%204.83L5.31002%204.63H5.06002L4.98002%204.32L4.91002%204.63H4.65002Z%22%20fill%3D%22white%22%20%2F%3E%3Cpath%20d%3D%22M6.07007%204.63L6.28007%204.83L6.20007%205.14L6.40007%204.95L6.61007%205.14L6.53007%204.83L6.73007%204.63H6.48007L6.40007%204.32L6.32007%204.63H6.07007Z%22%20fill%3D%22white%22%20%2F%3E%3Cpath%20d%3D%22M7.48999%204.63L7.68999%204.83L7.61999%205.14L7.81999%204.95L8.01999%205.14L7.94999%204.83L8.14999%204.63H7.89999L7.81999%204.32L7.73999%204.63H7.48999Z%22%20fill%3D%22white%22%20%2F%3E%3Cpath%20d%3D%22M8.91003%204.63L9.11003%204.83L9.03003%205.14L9.24003%204.95L9.44003%205.14L9.36003%204.83L9.57003%204.63H9.32003L9.24003%204.32L9.16003%204.63H8.91003Z%22%20fill%3D%22white%22%20%2F%3E%3Cpath%20d%3D%22M2.53003%205.42L2.73003%205.61L2.65003%205.92L2.86003%205.73L3.06003%205.92L2.98003%205.61L3.19003%205.42H2.93003L2.86003%205.11L2.78003%205.42H2.53003Z%22%20fill%3D%22white%22%20%2F%3E%3Cpath%20d%3D%22M3.94006%205.42L4.15006%205.61L4.07006%205.92L4.27006%205.73L4.48006%205.92L4.40006%205.61L4.60006%205.42H4.35006L4.27006%205.11L4.20006%205.42H3.94006Z%22%20fill%3D%22white%22%20%2F%3E%3Cpath%20d%3D%22M5.35999%205.42L5.56999%205.61L5.48998%205.92L5.68999%205.73L5.89999%205.92L5.81999%205.61L6.01999%205.42H5.76999L5.68999%205.11L5.60999%205.42H5.35999Z%22%20fill%3D%22white%22%20%2F%3E%3Cpath%20d%3D%22M6.78003%205.42L6.98003%205.61L6.91003%205.92L7.11003%205.73L7.31003%205.92L7.24003%205.61L7.44003%205.42H7.19003L7.11003%205.11L7.03003%205.42H6.78003Z%22%20fill%3D%22white%22%20%2F%3E%3Cpath%20d%3D%22M8.20007%205.42L8.40007%205.61L8.32007%205.92L8.53007%205.73L8.73007%205.92L8.65007%205.61L8.86007%205.42H8.61007L8.53007%205.11L8.45007%205.42H8.20007Z%22%20fill%3D%22white%22%20%2F%3E%3Cpath%20d%3D%22M1.82007%206.21L2.02007%206.4L1.94007%206.71L2.15007%206.52L2.35007%206.71L2.27007%206.4L2.48007%206.21H2.22007L2.15007%205.9L2.07007%206.21H1.82007Z%22%20fill%3D%22white%22%20%2F%3E%3Cpath%20d%3D%22M3.23999%206.21L3.43999%206.4L3.35999%206.71L3.56999%206.52L3.76999%206.71L3.68999%206.4L3.88999%206.21H3.63999L3.56999%205.9L3.48999%206.21H3.23999Z%22%20fill%3D%22white%22%20%2F%3E%3Cpath%20d%3D%22M4.65002%206.21L4.86002%206.4L4.78002%206.71L4.98002%206.52L5.19002%206.71L5.11002%206.4L5.31002%206.21H5.06002L4.98002%205.9L4.91002%206.21H4.65002Z%22%20fill%3D%22white%22%20%2F%3E%3Cpath%20d%3D%22M6.07007%206.21L6.28007%206.4L6.20007%206.71L6.40007%206.52L6.61007%206.71L6.53007%206.4L6.73007%206.21H6.48007L6.40007%205.9L6.32007%206.21H6.07007Z%22%20fill%3D%22white%22%20%2F%3E%3Cpath%20d%3D%22M7.48999%206.21L7.68999%206.4L7.61999%206.71L7.81999%206.52L8.01999%206.71L7.94999%206.4L8.14999%206.21H7.89999L7.81999%205.9L7.73999%206.21H7.48999Z%22%20fill%3D%22white%22%20%2F%3E%3Cpath%20d%3D%22M8.91003%206.21L9.11003%206.4L9.03003%206.71L9.24003%206.52L9.44003%206.71L9.36003%206.4L9.57003%206.21H9.32003L9.24003%205.9L9.16003%206.21H8.91003Z%22%20fill%3D%22white%22%20%2F%3E%3Cpath%20d%3D%22M2.54004%207L2.75004%207.19L2.67004%207.5L2.87004%207.31L3.08004%207.5L3.00004%207.19L3.20004%207H2.95004L2.87004%206.69L2.80004%207H2.54004Z%22%20fill%3D%22white%22%20%2F%3E%3Cpath%20d%3D%22M3.96008%207L4.17008%207.19L4.09008%207.5L4.29008%207.31L4.50008%207.5L4.42008%207.19L4.62008%207H4.37008L4.29008%206.69L4.21008%207H3.96008Z%22%20fill%3D%22white%22%20%2F%3E%3Cpath%20d%3D%22M5.38%207L5.58%207.19L5.51%207.5L5.71%207.31L5.91%207.5L5.84%207.19L6.04%207H5.79L5.71%206.69L5.63%207H5.38Z%22%20fill%3D%22white%22%20%2F%3E%3Cpath%20d%3D%22M6.80005%207L7.00005%207.19L6.92005%207.5L7.13005%207.31L7.33005%207.5L7.25005%207.19L7.46005%207H7.21005L7.13005%206.69L7.05005%207H6.80005Z%22%20fill%3D%22white%22%20%2F%3E%3Cpath%20d%3D%22M8.22009%207L8.42009%207.19L8.34009%207.5L8.55009%207.31L8.75009%207.5L8.67009%207.19L8.88009%207H8.62009L8.55009%206.69L8.47009%207H8.22009Z%22%20fill%3D%22white%22%20%2F%3E%3Cpath%20d%3D%22M1.84009%207.78L2.04009%207.97L1.96009%208.28L2.17009%208.09L2.37009%208.28L2.29009%207.97L2.50009%207.78H2.25009L2.17009%207.47L2.09009%207.78H1.84009Z%22%20fill%3D%22white%22%20%2F%3E%3Cpath%20d%3D%22M3.26001%207.78L3.46001%207.97L3.38001%208.28L3.59001%208.09L3.79001%208.28L3.71001%207.97L3.92001%207.78H3.66001L3.59001%207.47L3.51001%207.78H3.26001Z%22%20fill%3D%22white%22%20%2F%3E%3Cpath%20d%3D%22M4.68005%207.78L4.88005%207.97L4.80005%208.28L5.00005%208.09L5.21005%208.28L5.13005%207.97L5.33005%207.78H5.08005L5.00005%207.47L4.93005%207.78H4.68005Z%22%20fill%3D%22white%22%20%2F%3E%3Cpath%20d%3D%22M6.09009%207.78L6.30009%207.97L6.22009%208.28L6.42009%208.09L6.63009%208.28L6.55009%207.97L6.75009%207.78H6.50009L6.42009%207.47L6.35009%207.78H6.09009Z%22%20fill%3D%22white%22%20%2F%3E%3Cpath%20d%3D%22M7.51001%207.78L7.72001%207.97L7.64001%208.28L7.84001%208.09L8.04001%208.28L7.97001%207.97L8.17001%207.78H7.92001L7.84001%207.47L7.76001%207.78H7.51001Z%22%20fill%3D%22white%22%20%2F%3E%3Cpath%20d%3D%22M8.93005%207.78L9.13005%207.97L9.06005%208.28L9.26005%208.09L9.46005%208.28L9.39005%207.97L9.59005%207.78H9.34005L9.26005%207.47L9.18005%207.78H8.93005Z%22%20fill%3D%22white%22%20%2F%3E%3Cpath%20d%3D%22M1.8501%209.33L2.0601%209.52L1.9801%209.83L2.1801%209.64L2.3901%209.83L2.3101%209.52L2.5101%209.33H2.2601L2.1801%209.02L2.1001%209.33H1.8501Z%22%20fill%3D%22white%22%20%2F%3E%3Cpath%20d%3D%22M3.27002%209.33L3.47002%209.52L3.40002%209.83L3.60002%209.64L3.80002%209.83L3.73002%209.52L3.93002%209.33H3.68002L3.60002%209.02L3.52002%209.33H3.27002Z%22%20fill%3D%22white%22%20%2F%3E%3Cpath%20d%3D%22M4.69006%209.33L4.89006%209.52L4.81006%209.83L5.02006%209.64L5.22006%209.83L5.14006%209.52L5.35006%209.33H5.10006L5.02006%209.02L4.94006%209.33H4.69006Z%22%20fill%3D%22white%22%20%2F%3E%3Cpath%20d%3D%22M6.10999%209.33L6.30999%209.52L6.22999%209.83L6.43999%209.64L6.63999%209.83L6.55999%209.52L6.76999%209.33H6.50999L6.43999%209.02L6.35999%209.33H6.10999Z%22%20fill%3D%22white%22%20%2F%3E%3Cpath%20d%3D%22M7.52002%209.33L7.73002%209.52L7.65002%209.83L7.85002%209.64L8.06002%209.83L7.98002%209.52L8.18002%209.33H7.93002L7.85002%209.02L7.78002%209.33H7.52002Z%22%20fill%3D%22white%22%20%2F%3E%3Cpath%20d%3D%22M8.94006%209.33L9.15006%209.52L9.07006%209.83L9.27006%209.64L9.48006%209.83L9.40006%209.52L9.60006%209.33H9.35006L9.27006%209.02L9.19006%209.33H8.94006Z%22%20fill%3D%22white%22%20%2F%3E%3Cpath%20d%3D%22M1.83008%2010.9L2.04008%2011.09L1.96008%2011.4L2.16008%2011.21L2.37008%2011.4L2.29008%2011.09L2.49008%2010.9H2.24008L2.16008%2010.59L2.09008%2010.9H1.83008Z%22%20fill%3D%22white%22%20%2F%3E%3Cpath%20d%3D%22M3.25%2010.9L3.46%2011.09L3.38%2011.4L3.58%2011.21L3.79%2011.4L3.71%2011.09L3.91%2010.9H3.66L3.58%2010.59L3.5%2010.9H3.25Z%22%20fill%3D%22white%22%20%2F%3E%3Cpath%20d%3D%22M4.67004%2010.9L4.87004%2011.09L4.80004%2011.4L5.00004%2011.21L5.20004%2011.4L5.13004%2011.09L5.33004%2010.9H5.08004L5.00004%2010.59L4.92004%2010.9H4.67004Z%22%20fill%3D%22white%22%20%2F%3E%3Cpath%20d%3D%22M6.09009%2010.9L6.29009%2011.09L6.22009%2011.4L6.42009%2011.21L6.62009%2011.4L6.54009%2011.09L6.75009%2010.9H6.50009L6.42009%2010.59L6.34009%2010.9H6.09009Z%22%20fill%3D%22white%22%20%2F%3E%3Cpath%20d%3D%22M7.51001%2010.9L7.71001%2011.09L7.63001%2011.4L7.84001%2011.21L8.04001%2011.4L7.96001%2011.09L8.17001%2010.9H7.91001L7.84001%2010.59L7.76001%2010.9H7.51001Z%22%20fill%3D%22white%22%20%2F%3E%3Cpath%20d%3D%22M8.93005%2010.9L9.13005%2011.09L9.05005%2011.4L9.26005%2011.21L9.46005%2011.4L9.38005%2011.09L9.59005%2010.9H9.33005L9.26005%2010.59L9.18005%2010.9H8.93005Z%22%20fill%3D%22white%22%20%2F%3E%3Cpath%20d%3D%22M2.55005%208.55L2.75005%208.74L2.67005%209.05L2.88005%208.86L3.08005%209.05L3.00005%208.74L3.21005%208.55H2.96005L2.88005%208.24L2.80005%208.55H2.55005Z%22%20fill%3D%22white%22%20%2F%3E%3Cpath%20d%3D%22M3.97009%208.55L4.17009%208.74L4.09009%209.05L4.30009%208.86L4.50009%209.05L4.42009%208.74L4.63009%208.55H4.37009L4.30009%208.24L4.22009%208.55H3.97009Z%22%20fill%3D%22white%22%20%2F%3E%3Cpath%20d%3D%22M5.38%208.55L5.59%208.74L5.51%209.05L5.71%208.86L5.92%209.05L5.84%208.74L6.04%208.55H5.79L5.71%208.24L5.64%208.55H5.38Z%22%20fill%3D%22white%22%20%2F%3E%3Cpath%20d%3D%22M6.80005%208.55L7.01005%208.74L6.93005%209.05L7.13005%208.86L7.34005%209.05L7.26005%208.74L7.46005%208.55H7.21005L7.13005%208.24L7.05005%208.55H6.80005Z%22%20fill%3D%22white%22%20%2F%3E%3Cpath%20d%3D%22M8.22009%208.55L8.42009%208.74L8.35009%209.05L8.55009%208.86L8.75009%209.05L8.68009%208.74L8.88009%208.55H8.63009L8.55009%208.24L8.47009%208.55H8.22009Z%22%20fill%3D%22white%22%20%2F%3E%3Cpath%20d%3D%22M2.54004%2010.11L2.75004%2010.3L2.67004%2010.62L2.87004%2010.42L3.08004%2010.62L3.00004%2010.3L3.20004%2010.11H2.95004L2.87004%209.8L2.80004%2010.11H2.54004Z%22%20fill%3D%22white%22%20%2F%3E%3Cpath%20d%3D%22M3.96008%2010.11L4.17008%2010.3L4.09008%2010.62L4.29008%2010.42L4.50008%2010.62L4.42008%2010.3L4.62008%2010.11H4.37008L4.29008%209.8L4.21008%2010.11H3.96008Z%22%20fill%3D%22white%22%20%2F%3E%3Cpath%20d%3D%22M5.38%2010.11L5.58%2010.3L5.51%2010.62L5.71%2010.42L5.91%2010.62L5.84%2010.3L6.04%2010.11H5.79L5.71%209.8L5.63%2010.11H5.38Z%22%20fill%3D%22white%22%20%2F%3E%3Cpath%20d%3D%22M6.80005%2010.11L7.00005%2010.3L6.92005%2010.62L7.13005%2010.42L7.33005%2010.62L7.25005%2010.3L7.46005%2010.11H7.21005L7.13005%209.8L7.05005%2010.11H6.80005Z%22%20fill%3D%22white%22%20%2F%3E%3Cpath%20d%3D%22M8.22009%2010.11L8.42009%2010.3L8.34009%2010.62L8.55009%2010.42L8.75009%2010.62L8.67009%2010.3L8.88009%2010.11H8.62009L8.55009%209.8L8.47009%2010.11H8.22009Z%22%20fill%3D%22white%22%20%2F%3E%3C%2Fg%3E%3Cdefs%3E%3CclipPath%20id%3D%22clipUS%22%3E%3Crect%20width%3D%2224%22%20height%3D%2224%22%20fill%3D%22white%22%20%2F%3E%3C%2FclipPath%3E%3C%2Fdefs%3E%3C%2Fsvg%3E)NerdWallet USA](https:\/\/www.nerdwallet.com\/)\n\n\\|\n\n[![CA](data:image\/svg+xml,%3Csvg%20xmlns%3D%22http%3A%2F%2Fwww.w3.org%2F2000%2Fsvg%22%20width%3D%2224%22%20height%3D%2224%22%20viewBox%3D%220%200%2024%2024%22%20fill%3D%22none%22%20style%3D%22transform%3AtranslateY\$3px\$%22%3E%3Cg%20clip-path%3D%27url\$%23clipCA\$%27%3E%3Cpath%20d%3D%22M22.81%201H1.42V15.58H22.81V1Z%22%20stroke%3D%22currentColor%22%20strokeMiterlimit%3D%2210%22%20strokeLinejoin%3D%22round%22%20%2F%3E%3Cpath%20d%3D%22M14.7425%2010.5472C14.7961%2010.4936%2017%208.56438%2017%208.56438L16.6245%208.40343C16.4099%208.29828%2016.4657%208.15665%2016.5172%208.03004C16.5687%207.86695%2016.9485%206.58584%2016.9485%206.58584C16.9485%206.58584%2015.9249%206.80043%2015.7103%206.85408C15.5494%206.90558%2015.4957%206.80043%2015.4421%206.69313C15.3884%206.58584%2015.1202%205.99785%2015.1202%205.99785C15.1202%205.99785%2013.9914%207.28326%2013.9378%207.33476C13.7232%207.49571%2013.5064%207.33476%2013.5601%207.12017C13.5601%206.90558%2014.1524%204.33906%2014.1524%204.33906C14.1524%204.33906%2013.5064%204.71245%2013.2918%204.81974C13.1309%204.92704%2013.0215%204.92704%2012.9142%204.71245C12.8047%204.5515%2011.9979%203%2011.9979%203C11.9979%203%2011.1931%204.5515%2011.0858%204.71245C10.9785%204.92704%2010.8712%204.92704%2010.7082%204.81974C10.4936%204.71245%209.84764%204.33906%209.84764%204.33906C9.84764%204.33906%2010.4399%206.90558%2010.4399%207.12017C10.4936%207.33476%2010.279%207.49571%2010.0622%207.33476C10.0086%207.28112%208.87983%205.99785%208.87983%205.99785C8.87983%205.99785%208.61159%206.58369%208.55794%206.69099C8.50429%206.79828%208.45064%206.90343%208.2897%206.85193C8.07296%206.79828%207.0515%206.58369%207.0515%206.58369C7.0515%206.58369%207.42918%207.86481%207.48283%208.0279C7.53433%208.15665%207.59013%208.29614%207.37554%208.40129L7%208.56438C7%208.56438%209.20172%2010.4936%209.25751%2010.5472C9.36695%2010.6545%209.4721%2010.7082%209.36695%2011.03C9.25751%2011.3519%209.15021%2011.7833%209.15021%2011.7833C9.15021%2011.7833%2011.1931%2011.3519%2011.4099%2011.2983C11.5966%2011.279%2011.8026%2011.3519%2011.8026%2011.5665C11.8026%2011.7811%2011.6781%2013.9871%2011.6781%2013.9871H12.3219C12.3219%2013.9871%2012.1974%2011.7833%2012.1974%2011.5665C12.1974%2011.3498%2012.4013%2011.279%2012.5923%2011.2983C12.8069%2011.3519%2014.8498%2011.7833%2014.8498%2011.7833C14.8498%2011.7833%2014.7425%2011.3519%2014.6352%2011.03C14.5279%2010.7082%2014.6352%2010.6545%2014.7425%2010.5472Z%22%20fill%3D%22currentColor%22%20%2F%3E%3Crect%20x%3D%221%22%20y%3D%221%22%20width%3D%225%22%20height%3D%2215%22%20fill%3D%22currentColor%22%20%2F%3E%3Crect%20x%3D%2218%22%20y%3D%221%22%20width%3D%225%22%20height%3D%2215%22%20fill%3D%22currentColor%22%20%2F%3E%3C%2Fg%3E%3Cdefs%3E%3CclipPath%20id%3D%27clipCA%27%3E%3Crect%20width%3D%2228%22%20height%3D%2220%22%20fill%3D%22currentColor%22%20%2F%3E%3C%2FclipPath%3E%3C%2Fdefs%3E%3C%2Fsvg%3E)NerdWallet CA](https:\/\/www.nerdwallet.com\/ca)\n\n© 2026 NerdWallet, Inc.\n\nAll Rights Reserved.\n\n[![X](data:image\/svg+xml;base64,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)](https:\/\/twitter.com\/NerdWallet)[![YouTube](data:image\/svg+xml,%3Csvg%20xmlns%3D%22http%3A%2F%2Fwww.w3.org%2F2000%2Fsvg%22%20width%3D%2230%22%20height%3D%2230%22%20viewBox%3D%220%200%2030%2030%22%20fill%3D%22none%22%3E%3Cpath%20fill-rule%3D%22evenodd%22%20clip-rule%3D%22evenodd%22%20d%3D%22M4%200C1.79089%200%200%201.79102%200%204V26C0%2028.209%201.79089%2030%204%2030H26C28.2091%2030%2030%2028.209%2030%2026V4C30%201.79102%2028.2091%200%2026%200H4ZM24.9664%208.99023C25.031%209.12842%2025.0836%209.27246%2025.1234%209.4209C25.5618%2011.0591%2025.5618%2014.481%2025.5618%2014.481C25.5618%2014.481%2025.5618%2017.9028%2025.1234%2019.5415C24.8821%2020.4458%2024.1719%2021.1587%2023.2672%2021.3999C21.6289%2021.8403%2015.0618%2021.8403%2015.0618%2021.8403C15.0618%2021.8403%208.49451%2021.8403%206.8562%2021.3999C5.95386%2021.1587%205.24146%2020.4458%205%2019.5415C4.56177%2017.9028%204.56177%2014.481%204.56177%2014.481C4.56177%2014.481%204.56177%2011.0591%205%209.41846C5.11914%208.97314%205.35339%208.56689%205.6792%208.24072C6.005%207.91455%206.41101%207.67969%206.8562%207.56006C8.49451%207.12158%2015.0618%207.12158%2015.0618%207.12158C15.0618%207.12158%2021.6289%207.12158%2023.2672%207.5625C23.7123%207.68262%2024.1179%207.91748%2024.4437%208.24365C24.6609%208.46094%2024.8374%208.71387%2024.9664%208.99023ZM18.4133%2014.4575L12.9758%2011.3403V17.6216L18.4133%2014.4575Z%22%20fill%3D%22black%22%20%2F%3E%3C%2Fsvg%3E)](https:\/\/www.youtube.com\/@nerdwallet)[![Instagram](data:image\/svg+xml,%3Csvg%20xmlns%3D%22http%3A%2F%2Fwww.w3.org%2F2000%2Fsvg%22%20width%3D%2230%22%20height%3D%2230%22%20viewBox%3D%220%200%2030%2030%22%20fill%3D%22none%22%3E%3Crect%20width%3D%2230%22%20height%3D%2230%22%20rx%3D%224%22%20fill%3D%22black%22%20%2F%3E%3Cpath%20fillRule%3D%22evenodd%22%20clipRule%3D%22evenodd%22%20d%3D%22M11.2902%206.0543C12.2501%206.01036%2012.5566%206%2015.0007%206L14.9993%206.00143C17.4434%206.00143%2017.7514%206.01215%2018.7091%206.05573C19.6668%206.09931%2020.322%206.25149%2020.8935%206.47368C21.4943%206.7%2022.0384%207.0545%2022.4882%207.5125C22.9459%207.96206%2023.3%208.50601%2023.526%209.10645C23.7485%209.67802%2023.9003%2010.3296%2023.9443%2011.2895C23.9882%2012.2493%2023.9986%2012.5558%2023.9986%2015C23.9986%2017.4442%2023.9879%2017.7528%2023.9443%2018.7105C23.9007%2019.6683%2023.7485%2020.3234%2023.526%2020.895C23.0587%2022.1043%2022.1028%2023.0602%2020.8935%2023.5274C20.322%2023.7499%2019.6704%2023.9018%2018.7105%2023.9457C17.7507%2023.9896%2017.4442%2024%2015%2024C12.5558%2024%2012.2472%2023.9893%2011.2895%2023.9457C10.3317%2023.9021%209.67659%2023.7499%209.10503%2023.5274C8.50427%2023.3013%207.96006%2022.9469%207.51036%2022.4889C7.0527%2022.0393%206.69845%2021.4954%206.47226%2020.895C6.25006%2020.3234%206.09824%2019.6711%206.0543%2018.7112C6.01036%2017.7514%206%2017.4449%206%2015.0007C6%2012.5566%206.01072%2012.2486%206.0543%2011.2909C6.09788%2010.3332%206.25006%209.67802%206.47226%209.10645C6.69836%208.50581%207.05261%207.96164%207.51036%207.51179C7.96021%207.05404%208.50438%206.69979%209.10503%206.47368C9.67659%206.25149%2010.3303%206.09824%2011.2902%206.0543ZM18.6359%207.67541C17.6867%207.63219%2017.4024%207.6229%2014.9993%207.6229L15.0007%207.62147C12.5977%207.62147%2012.3133%207.63076%2011.3641%207.67398C10.4868%207.71399%2010.0103%207.86046%209.69304%207.9837C9.30167%208.1278%208.94765%208.35792%208.65708%208.65708C8.35792%208.94765%208.1278%209.30167%207.9837%209.69304C7.86046%2010.0103%207.71399%2010.4868%207.67398%2011.3641C7.63076%2012.3133%207.62147%2012.5977%207.62147%2015.0007C7.62147%2017.4038%207.63076%2017.6882%207.67398%2018.6373C7.71399%2019.5147%207.86046%2019.9912%207.9837%2020.3084C8.1278%2020.6998%208.35792%2021.0538%208.65708%2021.3444C8.94765%2021.6435%209.30167%2021.8737%209.69304%2022.0178C10.0103%2022.141%2010.4868%2022.2875%2011.3641%2022.3275C12.3129%2022.3707%2012.5977%2022.38%2015.0007%2022.38C17.4038%2022.38%2017.6885%2022.3707%2018.6373%2022.3275C19.5147%2022.2875%2019.9912%2022.141%2020.3084%2022.0178C21.093%2021.7147%2021.7133%2021.0945%2022.0163%2020.3099C22.1396%2019.9926%2022.286%2019.5161%2022.326%2018.6387C22.3693%2017.6896%2022.3786%2017.4052%2022.3786%2015.0022C22.3786%2012.5991%2022.3693%2012.3147%2022.326%2011.3656C22.286%2010.4882%2022.1396%2010.0117%2022.0163%209.69447C21.8722%209.3031%2021.6421%208.94908%2021.343%208.6585C21.0524%208.35935%2020.6984%208.12923%2020.307%207.98513C19.9898%207.86189%2019.5132%207.71542%2018.6359%207.67541Z%22%20fill%3D%22%23FFF7EA%22%20%2F%3E%3Cpath%20fillRule%3D%22evenodd%22%20clipRule%3D%22evenodd%22%20d%3D%22M10.3782%2015.0007C10.3782%2012.4486%2012.4471%2010.3796%2014.9993%2010.3796C16.2249%2010.3795%2017.4003%2010.8664%2018.267%2011.733C19.1336%2012.5997%2019.6205%2013.7751%2019.6204%2015.0007C19.6204%2017.5529%2017.5514%2019.6218%2014.9993%2019.6218C12.4471%2019.6218%2010.3782%2017.5529%2010.3782%2015.0007ZM11.9985%2015.0008C11.9985%2016.658%2013.342%2018.0015%2014.9992%2018.0015C15.7951%2018.0015%2016.5583%2017.6853%2017.1211%2017.1226C17.6838%2016.5598%2018%2015.7966%2018%2015.0008C18%2013.3435%2016.6565%2012.0001%2014.9992%2012.0001C13.342%2012.0001%2011.9985%2013.3435%2011.9985%2015.0008Z%22%20fill%3D%22%23FFF7EA%22%20%2F%3E%3Cpath%20fillRule%3D%22evenodd%22%20clipRule%3D%22evenodd%22%20d%3D%22M19.8033%2011.2766C20.3997%2011.2766%2020.8832%2010.7931%2020.8832%2010.1967C20.8832%209.60031%2020.3997%209.11682%2019.8033%209.11682C19.2069%209.11682%2018.7234%209.60031%2018.7234%2010.1967C18.7234%2010.7931%2019.2069%2011.2766%2019.8033%2011.2766Z%22%20fill%3D%22%23FFF7EA%22%20%2F%3E%3C%2Fsvg%3E)](https:\/\/www.instagram.com\/NerdWallet\/)[![Apple Podcasts](data:image\/svg+xml,%3Csvg%20width%3D%2230%22%20height%3D%2230%22%20viewBox%3D%220%200%2030%2030%22%20fill%3D%22none%22%20xmlns%3D%22http%3A%2F%2Fwww.w3.org%2F2000%2Fsvg%22%3E%3Cg%20clip-path%3D%22url\$%23clip0_20079_6302\$%22%3E%3Cpath%20d%3D%22M25.9209%200.108887H4.08039C1.88726%200.108887%200.109375%201.88677%200.109375%204.0799V25.9205C0.109375%2028.1136%201.88726%2029.8915%204.08039%2029.8915H25.9209C28.1141%2029.8915%2029.892%2028.1136%2029.892%2025.9205V4.0799C29.892%201.88677%2028.1141%200.108887%2025.9209%200.108887Z%22%20fill%3D%22black%22%2F%3E%3Cpath%20d%3D%22M15%2019.5C16.1931%2019.4988%2017.337%2019.0243%2018.1806%2018.1806C19.0243%2017.337%2019.4988%2016.1931%2019.5%2015V9C19.5%207.80653%2019.0259%206.66193%2018.182%205.81802C17.3381%204.97411%2016.1935%204.5%2015%204.5C13.8065%204.5%2012.6619%204.97411%2011.818%205.81802C10.9741%206.66193%2010.5%207.80653%2010.5%209V15C10.5012%2016.1931%2010.9757%2017.337%2011.8194%2018.1806C12.663%2019.0243%2013.8069%2019.4988%2015%2019.5ZM12%209C12%208.20435%2012.3161%207.44129%2012.8787%206.87868C13.4413%206.31607%2014.2044%206%2015%206C15.7957%206%2016.5587%206.31607%2017.1213%206.87868C17.6839%207.44129%2018%208.20435%2018%209V15C18%2015.7957%2017.6839%2016.5587%2017.1213%2017.1213C16.5587%2017.6839%2015.7957%2018%2015%2018C14.2044%2018%2013.4413%2017.6839%2012.8787%2017.1213C12.3161%2016.5587%2012%2015.7957%2012%2015V9ZM15.75%2022.4625V24.75C15.75%2024.9489%2015.671%2025.1397%2015.5303%2025.2803C15.3897%2025.421%2015.1989%2025.5%2015%2025.5C14.8011%2025.5%2014.6103%2025.421%2014.4697%2025.2803C14.329%2025.1397%2014.25%2024.9489%2014.25%2024.75V22.4625C12.4009%2022.2743%2010.6873%2021.4072%209.44048%2020.0288C8.19368%2018.6504%207.50228%2016.8586%207.5%2015C7.5%2014.8011%207.57902%2014.6103%207.71967%2014.4697C7.86032%2014.329%208.05109%2014.25%208.25%2014.25C8.44891%2014.25%208.63968%2014.329%208.78033%2014.4697C8.92098%2014.6103%209%2014.8011%209%2015C9%2016.5913%209.63214%2018.1174%2010.7574%2019.2426C11.8826%2020.3679%2013.4087%2021%2015%2021C16.5913%2021%2018.1174%2020.3679%2019.2426%2019.2426C20.3679%2018.1174%2021%2016.5913%2021%2015C21%2014.8011%2021.079%2014.6103%2021.2197%2014.4697C21.3603%2014.329%2021.5511%2014.25%2021.75%2014.25C21.9489%2014.25%2022.1397%2014.329%2022.2803%2014.4697C22.421%2014.6103%2022.5%2014.8011%2022.5%2015C22.4977%2016.8586%2021.8063%2018.6504%2020.5595%2020.0288C19.3127%2021.4072%2017.5991%2022.2743%2015.75%2022.4625Z%22%20fill%3D%22white%22%2F%3E%3C%2Fg%3E%3Cdefs%3E%3CclipPath%20id%3D%22clip0_20079_6302%22%3E%3Crect%20width%3D%2230%22%20height%3D%2230%22%20fill%3D%22white%22%2F%3E%3C%2FclipPath%3E%3C%2Fdefs%3E%3C%2Fsvg%3E)](https:\/\/play.megaphone.fm\/xcr_lszorm-uiidw0pl5eq)[![TikTok](data:image\/svg+xml;base64,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)](https:\/\/www.tiktok.com\/@nerdwallet?lang=en)\n\n![](https:\/\/bat.bing.com\/action\/0?ti=5000528&Ver=2)","attrs_readable_markdown":"SOME CARD INFO MAY BE OUTDATED\n\nThis page includes information about these cards, currently unavailable on NerdWallet. The information has been collected by NerdWallet and has not been provided or reviewed by the card issuer.\n\nA budget is a plan for how you use your money. No matter how much you earn or how often you get paid, a budget helps you stay on top of your bills, savings and other money goals. It can give you more control and less stress.\n\nTo budget money, follow the five steps below.\n\nStep 1. Figure out your after-tax income\n\nIf you get a regular paycheck, the amount you bring home is your after-tax income. This is also called your [net income](https:\/\/www.nerdwallet.com\/finance\/learn\/take-home-income) or take-home pay.\n\nIf money is taken out of your paycheck for things like a 401(k) or insurance, add that back in when making your budget. That way, you'll see your full income.\n\nIf you have other types of money coming in — such as from side gigs — subtract anything that reduces that income, such as taxes and business expenses.\n\n» Stay informed:\n\n- Check out NerdWallet's [news hub](https:\/\/www.nerdwallet.com\/news) for all the latest.\n\nStep 2. Choose a budgeting system\n\nA budgeting system is a plan for how to use your money. Everyone has different habits, personality types and approaches to managing money, and there are systems that can fit your lifestyle.\n\nEvery budget should cover your needs, some wants and savings for emergencies and the future.\n\nExamples of [budgeting systems](https:\/\/www.nerdwallet.com\/finance\/learn\/how-to-choose-the-right-budget-system) include the envelope system, the zero-based budget, and the [50\/30\/20 budget](https:\/\/www.nerdwallet.com\/finance\/learn\/nerdwallet-budget-calculator), in which 50% of your take-home pay goes toward necessities, 30% toward wants and 20% toward savings and retirement.\n\nOther breakdowns, like 60\/20\/20 and 60\/30\/10, may work well for some situations.\n\nStep 3. Track your progress\n\nPay attention to where your money is going. If you notice areas where you’re overspending, try to cut those costs. If you’re able to make cuts and have money left over, put it toward debt repayment, savings or another financial priority.\n\nStep 4. Automate your savings\n\nSet up automatic savings to make things easier. You can set automatic deposits to an [emergency fund,](https:\/\/www.nerdwallet.com\/banking\/learn\/emergency-fund-why-it-matters) investment or retirement account on your paydays.\n\nIf your income changes from month to month, set reminders to move money when you can. You don't have to do it alone — a friend or online group can keep you motivated to stick to your budget.\n\nStep 5. Practice budget management\n\nYour money situation will change over time. Check your budget every few months and adjust if needed.\n\nIf you find that the initial budgeting system you chose isn’t working for you, consider trying a different strategy. The budget you choose doesn’t have to last forever.\n\nDetermine your budgeting priorities\n\nWhen budgeting, it can be hard to figure out which items are most urgent. Should you prioritize your credit card debt, student loan repayments or retirement savings? Here is a list of potential priorities from most to least urgent.\n\nPriority No. 1: Start an emergency fund.  Priority No. 1: Start an emergency fund.\n\nPriority No. 2: Get your 401(k) match.  Priority No. 2: Get your 401(k) match.\n\nPriority No. 3: Pay off high-interest debt.  Priority No. 3: Pay off high-interest debt.\n\nPriority No. 4: Save for retirement (again).  Priority No. 4: Save for retirement (again).\n\nPriority No. 5: Grow your emergency fund.  Priority No. 5: Grow your emergency fund.\n\nPriority No. 6: Pay down the rest of your debt.   Priority No. 6: Pay down the rest of your debt.\n\nPriority No. 7: Save for yourself.   Priority No. 7: Save for yourself.\n\nTry a simple budgeting plan: 50\/30\/20\n\nOne popular budget plan is the 50\/30\/20 budget. If you stick to this plan, you can handle your bills, save for the future, prepare for emergencies and enjoy life, too.\n\nAllow up to 50% of your income for needs\n\nYour necessities — about 50% of your after-tax income — should include:\n\n- Groceries.\n- Housing.\n- Basic utilities.\n- Transportation.\n- Insurance.\n- Minimum loan and credit card payments. Anything beyond the minimum goes into the savings and debt repayment category.\n- Child care or other expenses you need so you can work.\n\nIf your basic needs go over 50%, you can use some of your “wants” money for now. That's OK. But if those needs are going over 50% month after month, consider switching to another budgeting model. Switching your budget isn't a sign of failure. Budgets should work for your life.\n\nIf your necessities fall under the 50% cap, review the expenses that stay the same every month, often called fixed expenses. You may find a [better cell phone plan](https:\/\/www.nerdwallet.com\/finance\/learn\/best-cell-phone-plans), an opportunity to [refinance your mortgage](https:\/\/www.nerdwallet.com\/mortgages\/learn\/how-to-refinance-your-mortgage) or a less expensive car insurance option. Those money moves create breathing room in your budget.\n\nLeave 30% for wants\n\n[Separating wants from needs](https:\/\/www.nerdwallet.com\/finance\/learn\/financial-needs-versus-wants) can be difficult. Needs are essential for you to live and work. Typical wants include dinners out, gifts, travel and entertainment.\n\nIt’s not always easy to decide: Are organic groceries a want or a need? How about house cleaning services or food delivery? Decisions vary from person to person.\n\nIf you want to get out of debt as fast as you can, you may decide your wants can wait until you have some savings or your debts are under control. But your budget should include fun money. If it's too strict, it's harder to stick with.\n\nCommit 20% to savings and debt paydown\n\nUse 20% of your after-tax income to put money away for the unexpected, save for the future and pay off debt balances (paying more than minimums). Think about your biggest money goals and use this part of your income to reach them.\n\nBest way to budget\n\nThe best way to budget is one you can follow. Pick a plan that works for your life and goals. If the 50\/30\/20 budget isn’t realistic for you, maybe a 60\/20\/20 breakdown makes more sense — 60% toward necessities, 20% toward wants and 20% toward savings and retirement.\n\nYou might have to try a few different budget plans to find one that works for you. Just make sure any plan covers needs, wants and savings.\n\nTry out a few tools to track your money — like a notebook, a worksheet or an app — and pick the one you'll actually use.\n\nBy testing what works best for you, you're more likely to find a budget that helps you reach your financial goals.\n\n![Video thumbnail](https:\/\/i.ytimg.com\/vi_webp\/7ckn883BbPQ\/sddefault.webp)\n\nExplore more on\n\nArticle sources  Article sources","meta_canonical":null}

3. Robots.txt Check

Query:

Response:

4. Spam/Ban Check

Query:

Response:

5. Seen Status Check

ℹ️ Skipped - page is already crawled

📄

INDEXABLE

✅

CRAWLED

7 hours ago

🤖

ROBOTS ALLOWED

Page Info Filters

Filter	Status	Condition	Details
HTTP status	PASS	`download_http_code = 200`	HTTP 200
Age cutoff	PASS	`download_stamp > now() - 6 MONTH`	0 months ago
History drop	PASS	`isNull(history_drop_reason)`	No drop reason
Spam/ban	PASS	`fh_dont_index != 1 AND ml_spam_score = 0`	ml_spam_score=0
Canonical	PASS	`meta_canonical IS NULL OR = '' OR = src_unparsed`	Not set

Page Details

Property	Value
URL	https://www.nerdwallet.com/finance/learn/how-to-budget
Last Crawled	2026-04-12 22:04:49 (7 hours ago)
First Indexed	2025-10-22 01:38:53 (5 months ago)
HTTP Status Code	200
Meta Title	How to Budget Money: A Step-By-Step Guide - NerdWallet
Meta Description	To budget money: 1. Figure out your after-tax income 2. Choose a budgeting system 3. Track your progress 4. Automate your savings 5. Practice budget management
Meta Canonical	null
Boilerpipe Text	SOME CARD INFO MAY BE OUTDATED This page includes information about these cards, currently unavailable on NerdWallet. The information has been collected by NerdWallet and has not been provided or reviewed by the card issuer. A budget is a plan for how you use your money. No matter how much you earn or how often you get paid, a budget helps you stay on top of your bills, savings and other money goals. It can give you more control and less stress. To budget money, follow the five steps below. Step 1. Figure out your after-tax income If you get a regular paycheck, the amount you bring home is your after-tax income. This is also called your net income or take-home pay. If money is taken out of your paycheck for things like a 401(k) or insurance, add that back in when making your budget. That way, you'll see your full income. If you have other types of money coming in — such as from side gigs — subtract anything that reduces that income, such as taxes and business expenses. » Stay informed: Check out NerdWallet's news hub for all the latest. Step 2. Choose a budgeting system A budgeting system is a plan for how to use your money. Everyone has different habits, personality types and approaches to managing money, and there are systems that can fit your lifestyle. Every budget should cover your needs, some wants and savings for emergencies and the future. Examples of budgeting systems include the envelope system, the zero-based budget, and the 50/30/20 budget , in which 50% of your take-home pay goes toward necessities, 30% toward wants and 20% toward savings and retirement. Other breakdowns, like 60/20/20 and 60/30/10, may work well for some situations. Step 3. Track your progress Pay attention to where your money is going. If you notice areas where you’re overspending, try to cut those costs. If you’re able to make cuts and have money left over, put it toward debt repayment, savings or another financial priority. Step 4. Automate your savings Set up automatic savings to make things easier. You can set automatic deposits to an emergency fund, investment or retirement account on your paydays. If your income changes from month to month, set reminders to move money when you can. You don't have to do it alone — a friend or online group can keep you motivated to stick to your budget. Step 5. Practice budget management Your money situation will change over time. Check your budget every few months and adjust if needed. If you find that the initial budgeting system you chose isn’t working for you, consider trying a different strategy. The budget you choose doesn’t have to last forever. Determine your budgeting priorities When budgeting, it can be hard to figure out which items are most urgent. Should you prioritize your credit card debt, student loan repayments or retirement savings? Here is a list of potential priorities from most to least urgent. Priority No. 1: Start an emergency fund. Priority No. 1: Start an emergency fund. Priority No. 2: Get your 401(k) match. Priority No. 2: Get your 401(k) match. Priority No. 3: Pay off high-interest debt. Priority No. 3: Pay off high-interest debt. Priority No. 4: Save for retirement (again). Priority No. 4: Save for retirement (again). Priority No. 5: Grow your emergency fund. Priority No. 5: Grow your emergency fund. Priority No. 6: Pay down the rest of your debt. Priority No. 6: Pay down the rest of your debt. Priority No. 7: Save for yourself. Priority No. 7: Save for yourself. Try a simple budgeting plan: 50/30/20 One popular budget plan is the 50/30/20 budget. If you stick to this plan, you can handle your bills, save for the future, prepare for emergencies and enjoy life, too. Allow up to 50% of your income for needs Your necessities — about 50% of your after-tax income — should include: Groceries. Housing. Basic utilities. Transportation. Insurance. Minimum loan and credit card payments. Anything beyond the minimum goes into the savings and debt repayment category. Child care or other expenses you need so you can work. If your basic needs go over 50%, you can use some of your “wants” money for now. That's OK. But if those needs are going over 50% month after month, consider switching to another budgeting model. Switching your budget isn't a sign of failure. Budgets should work for your life. If your necessities fall under the 50% cap, review the expenses that stay the same every month, often called fixed expenses. You may find a better cell phone plan , an opportunity to refinance your mortgage or a less expensive car insurance option. Those money moves create breathing room in your budget. Leave 30% for wants Separating wants from needs can be difficult. Needs are essential for you to live and work. Typical wants include dinners out, gifts, travel and entertainment. It’s not always easy to decide: Are organic groceries a want or a need? How about house cleaning services or food delivery? Decisions vary from person to person. If you want to get out of debt as fast as you can, you may decide your wants can wait until you have some savings or your debts are under control. But your budget should include fun money. If it's too strict, it's harder to stick with. Commit 20% to savings and debt paydown Use 20% of your after-tax income to put money away for the unexpected, save for the future and pay off debt balances (paying more than minimums). Think about your biggest money goals and use this part of your income to reach them. Best way to budget The best way to budget is one you can follow. Pick a plan that works for your life and goals. If the 50/30/20 budget isn’t realistic for you, maybe a 60/20/20 breakdown makes more sense — 60% toward necessities, 20% toward wants and 20% toward savings and retirement. You might have to try a few different budget plans to find one that works for you. Just make sure any plan covers needs, wants and savings. Try out a few tools to track your money — like a notebook, a worksheet or an app — and pick the one you'll actually use. By testing what works best for you, you're more likely to find a budget that helps you reach your financial goals. Explore more on Article sources Article sources
Markdown	[Skip to content](https://www.nerdwallet.com/finance/learn/how-to-budget#main)[![Nerdwallet icon](data:image/svg+xml;base64,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)![Nerdwallet logo](data:image/svg+xml,%3Csvg%20xmlns%3D%22http%3A%2F%2Fwww.w3.org%2F2000%2Fsvg%22%20height%3D%2221px%22%20width%3D%22127px%22%20viewBox%3D%22-361.3%20271.3%20128.3%2018.5%22%20aria-hidden%3D%22true%22%20%3E%3Cpath%20fill%3D%22%238DC63F%22%20d%3D%22M-233.4%20279.6h-2.7v5c0%20.6.1%201.1.4%201.4.2.3.7.5%201.3.5.2%200%20.4%200%20.7-.1h.1c.2%200%20.4.1.5.4v2.4c0%20.2-.1.3-.3.4-.2.1-.5.1-.8.2-.5.1-.9.1-1.4.1-.9%200-1.6-.1-2.2-.3-.6-.2-1.1-.5-1.4-.9-.4-.4-.6-.9-.8-1.5-.2-.6-.2-1.2-.2-1.9v-11.7c0-.2.2-.4.4-.4h3c.3%200%20.5.2.5.5l.3%203h2.7c.2%200%20.4.2.4.4v2.4c-.1%200-.3.1-.5.1zm-17.7%204.4c0%20.4.1.7.3%201%20.2.3.4.6.7.8.3.2.6.4%201%20.5.4.1.7.2%201.1.2.7%200%201.3-.1%201.7-.4l.9-.6c.2-.2.4-.2.6%200l1.8%201.9c.2.2.2.5%200%20.6-.5.4-1%20.8-1.6%201.1-1%20.5-2.2.7-3.5.7-1%200-1.9-.2-2.8-.5-.9-.3-1.6-.7-2.3-1.3-.7-.6-1.2-1.3-1.5-2.1-.4-.9-.6-1.8-.6-2.9%200-1.1.2-2%20.5-2.9.4-.9.9-1.6%201.5-2.2.6-.6%201.4-1.1%202.2-1.4.9-.3%201.8-.5%202.8-.5%201%200%201.8.2%202.6.5s1.5.8%202.1%201.4c.6.6%201%201.3%201.3%202.2.3.9.5%201.9.5%203v1h-9.3v-.1zm4.9-4.4c-.4-.5-1.1-.7-1.9-.7-.4%200-.8.1-1.1.2-.3.1-.7.3-.9.5-.3.2-.5.5-.6.8-.2.3-.2.6-.3%201h5.5c-.1-.7-.3-1.3-.7-1.8zm-10.9%209.7h-3.6c-.2%200-.4-.2-.4-.4v-17.3c0-.2.2-.4.4-.4h3.6c.2%200%20.4.2.4.4v17.3c-.1.2-.2.4-.4.4zm-7.2%200h-3.6c-.2%200-.4-.2-.4-.4v-17.3c0-.2.2-.4.4-.4h3.6c.2%200%20.4.2.4.4v17.3c0%20.2-.2.4-.4.4zm-7.1%200h-2.6c-.2%200-.4-.1-.5-.4l-.3-1c-.4.4-1%20.8-1.7%201.1-.6.3-1.3.5-2.1.5h-.7c-1%200-1.8-.2-2.6-.6-.8-.4-1.4-.9-1.9-1.5s-.9-1.4-1.2-2.2c-.3-.8-.4-1.7-.4-2.6%200-.9.1-1.8.4-2.6.3-.8.7-1.5%201.2-2.2.5-.6%201.2-1.1%201.9-1.5.8-.4%201.6-.5%202.5-.5%201.1%200%202%20.2%202.7.5.6.3%201%20.6%201.4.9l.3-1.2c.1-.2.3-.4.5-.4h3c.2%200%20.4.2.4.4v12.7c.1.4-.1.6-.3.6zm-3.9-7.7c-.1-.4-.4-.8-.6-1.1-.3-.3-.6-.6-1-.8-.4-.2-.8-.3-1.3-.3s-.9.1-1.3.3c-.4.2-.7.4-1%20.7-.3.3-.5.7-.6%201.1-.1.4-.2.8-.2%201.2%200%20.4.1.8.2%201.2.1.4.3.8.6%201.1.3.3.6.6%201%20.8.4.2.8.3%201.3.3s.9-.1%201.3-.3c.4-.2.7-.4%201-.8.3-.3.5-.7.6-1.1.1-.4.2-.8.2-1.2%200-.3-.1-.7-.2-1.1zm-14.4%207.4c-.1.2-.2.3-.4.3h-3.8c-.2%200-.3-.1-.4-.3l-2.5-7.8h-.1l-2.4%207.8c0%20.2-.2.3-.4.3h-3.8c-.2%200-.3-.1-.4-.3l-4.2-12.2c-.1-.2.1-.5.4-.5h3.8c.2%200%20.3.1.4.3l2.2%207.9h.1l2.2-7.9c0-.2.2-.3.4-.3h3.7c.2%200%20.3.1.4.3l2.3%207.9h.1l2.2-7.9c0-.2.2-.3.4-.3h3.6c.3%200%20.4.3.4.5l-4.2%2012.2zm-19.5.3h-2.6c-.2%200-.4-.1-.5-.4l-.3-.8c-.4.4-.9.7-1.5%201-.7.4-1.6.5-2.6.6h-.3c-1%200-1.8-.2-2.6-.6-.8-.4-1.4-.9-1.9-1.5s-.9-1.4-1.2-2.2c-.3-.8-.4-1.7-.4-2.6%200-.9.1-1.8.4-2.6.3-.8.7-1.5%201.2-2.2.5-.6%201.2-1.1%201.9-1.5.8-.4%201.6-.5%202.5-.5%201%200%201.8.2%202.4.5.7.4%201.2.8%201.5%201.2h.1v-6.1c0-.2.2-.4.4-.4h3.5c.2%200%20.4.2.4.4v17.3c-.1.2-.2.4-.4.4zm-4-7.7c-.1-.4-.4-.8-.6-1.1-.3-.3-.6-.6-1-.8-.4-.2-.8-.3-1.3-.3s-.9.1-1.3.3c-.4.2-.7.4-1%20.7-.3.3-.5.7-.6%201.1-.1.4-.2.8-.2%201.2%200%20.4.1.8.2%201.2.1.4.3.8.6%201.1.3.3.6.6%201%20.8.4.2.8.3%201.3.3s.9-.1%201.3-.3c.4-.2.7-.4%201-.8.3-.3.5-.7.6-1.1.1-.4.2-.8.2-1.2%200-.3%200-.7-.2-1.1zm-10.2-5.2l-.1%203c0%20.2-.2.4-.4.3h-.7c-.6%200-1.1.1-1.4.3-.4.2-.7.5-.9.8-.2.3-.4.6-.5%201-.1.3-.2.6-.2.9v6.3c0%20.2-.2.4-.4.4h-3.5c-.2%200-.4-.2-.4-.4v-12.2c0-.2.2-.4.4-.4h2.8c.2%200%20.4.2.5.4l.3.9a5%205%200%200%201%201.6-1.1c.2-.1.4-.2.6-.2.5-.2%201-.3%201.5-.3h.6c.1-.1.2.1.2.3zm-19.5%207.6c0%20.4.1.7.3%201%20.2.3.4.6.7.8.3.2.6.4%201%20.5.4.1.7.2%201.1.2.7%200%201.3-.1%201.7-.4l.9-.6c.2-.2.4-.2.6%200l1.8%201.9c.2.2.2.5%200%20.6-.5.4-1%20.8-1.6%201.1-1%20.5-2.2.7-3.5.7-1%200-1.9-.2-2.8-.5-.9-.3-1.6-.7-2.3-1.3-.7-.6-1.2-1.3-1.5-2.1-.4-.9-.6-1.8-.6-2.9%200-1.1.2-2%20.5-2.9.4-.9.9-1.6%201.5-2.2.6-.6%201.4-1.1%202.2-1.4.9-.3%201.8-.5%202.8-.5%201%200%201.8.2%202.6.5s1.5.8%202.1%201.4c.6.6%201%201.3%201.3%202.2.3.9.5%201.9.5%203v1h-9.3v-.1zm4.8-4.4c-.4-.5-1.1-.7-1.9-.7-.4%200-.8.1-1.1.2-.3.1-.7.3-.9.5-.3.2-.5.5-.6.8-.2.3-.2.6-.3%201h5.5c0-.7-.2-1.3-.7-1.8zm-10.7%209.7h-3.6c-.2%200-.4-.2-.4-.4v-6.7c0-.4%200-.7-.1-1l-.3-.9c-.1-.3-.3-.5-.6-.6-.3-.1-.6-.2-1-.2s-.7.1-1%20.2c-.3.1-.5.4-.7.6-.2.3-.3.6-.4.9-.1.3-.1.7-.1%201.1v6.7c0%20.2-.2.4-.4.4h-3.6c-.2%200-.4-.2-.4-.4v-12.2c0-.2.2-.4.4-.4h2.8c.2%200%20.4.1.5.4l.3.8c.4-.4.9-.7%201.5-1%20.7-.3%201.5-.5%202.5-.5h.1c.8%200%201.6.2%202.1.5.6.3%201.1.7%201.5%201.2.4.5.6%201.1.8%201.7.2.6.2%201.3.2%201.9v7.6c.2.1.1.3-.1.3z%22%20%2F%3E%3C%2Fsvg%3E)](https://www.nerdwallet.com/) Credit cards ![Close](data:image/svg+xml;base64,PHN2ZyB4bWxucz0iaHR0cDovL3d3dy53My5vcmcvMjAwMC9zdmciIHdpZHRoPSIyMiIgaGVpZ2h0PSIyMiIgdmlld0JveD0iMCAwIDUxMiA1MTIiID48cGF0aCBkPSJNNDA1IDEzN0wyODYgMjU2bDExOSAxMTktMzAgMzAtMTE5LTExOS0xMTkgMTE5LTMwLTMwIDExOS0xMTktMTE5LTExOSAzMC0zMCAxMTkgMTE5IDExOS0xMTl6IiAvPjwvc3ZnPg==) Credit cards[Explore more credit card resources](https://www.nerdwallet.com/credit-cards) Best credit cards [Best credit cards](https://www.nerdwallet.com/credit-cards/best)[Best credit card bonus offers](https://www.nerdwallet.com/credit-cards/best/bonus-offers)[Best balance transfer credit cards](https://www.nerdwallet.com/credit-cards/best/balance-transfer)[Best travel credit cards](https://www.nerdwallet.com/credit-cards/best/travel)[Best cash back credit cards](https://www.nerdwallet.com/credit-cards/best/cash-back)[Best 0% APR credit cards](https://www.nerdwallet.com/credit-cards/best/zero-percent)[Best rewards credit cards](https://www.nerdwallet.com/credit-cards/best/rewards)[Best airline credit cards](https://www.nerdwallet.com/credit-cards/best/airline)[Best college student credit cards](https://www.nerdwallet.com/credit-cards/best/college-student)[Best credit cards for groceries](https://www.nerdwallet.com/credit-cards/best/groceries) [Compare credit cards](https://www.nerdwallet.com/credit-cards/compare) Get a card recommendation [Travel rewards and perks](https://www.nerdwallet.com/recommend/CreditScore?primaryGoal=travel)[Earn cash back](https://www.nerdwallet.com/recommend/CreditScore?primaryGoal=cashback)[Pay down debt](https://www.nerdwallet.com/recommend/CreditScore?primaryGoal=debt)[Make a big purchase](https://www.nerdwallet.com/recommend/CreditScore?primaryGoal=bigpurchase)[Get your approval odds](https://www.nerdwallet.com/m/credit-cards/analyze/get-started)[Card recommendation quiz](https://www.nerdwallet.com/prequalify/credit-cards/apply/credit-card-purpose) [Credit card reviews](https://www.nerdwallet.com/credit-cards/reviews) Credit card calculators [Balance transfer savings calculator](https://www.nerdwallet.com/credit-cards/learn/balance-transfer-calculator)[Credit card interest calculator](https://www.nerdwallet.com/credit-cards/learn/credit-card-interest-calculator) Guides and resources [Get your free credit score](https://www.nerdwallet.com/p/free-credit-score)[Credit card basics](https://www.nerdwallet.com/credit-cards/hubs/credit-card-basics)[Applying for a credit card](https://www.nerdwallet.com/credit-cards/hubs/applying-for-a-credit-card)[Choosing a credit card](https://www.nerdwallet.com/credit-cards/hubs/choosing-a-credit-card)[Managing credit card debt](https://www.nerdwallet.com/credit-cards/hubs/managing-credit-card-debt)[Credit card resources](https://www.nerdwallet.com/credit-cards/hubs/credit-card-resources) [Explore more credit card resources](https://www.nerdwallet.com/credit-cards) Banking ![Close](data:image/svg+xml;base64,PHN2ZyB4bWxucz0iaHR0cDovL3d3dy53My5vcmcvMjAwMC9zdmciIHdpZHRoPSIyMiIgaGVpZ2h0PSIyMiIgdmlld0JveD0iMCAwIDUxMiA1MTIiID48cGF0aCBkPSJNNDA1IDEzN0wyODYgMjU2bDExOSAxMTktMzAgMzAtMTE5LTExOS0xMTkgMTE5LTMwLTMwIDExOS0xMTktMTE5LTExOSAzMC0zMCAxMTkgMTE5IDExOS0xMTl6IiAvPjwvc3ZnPg==) Banking[Explore more banking resources](https://www.nerdwallet.com/banking) Savings accounts [Best high-yield savings accounts](https://www.nerdwallet.com/banking/best/high-yield-online-savings-accounts)[Best savings accounts](https://www.nerdwallet.com/banking/best/savings-accounts)[Savings account alternatives](https://www.nerdwallet.com/banking/hubs/savings-alternatives)[Savings calculator](https://www.nerdwallet.com/banking/calculators/savings-calculator)[Explore more savings accounts](https://www.nerdwallet.com/banking/hubs/savings-accounts) CDs [Best CD rates](https://www.nerdwallet.com/banking/best/cd-rates)[Best 3-month CD rates](https://www.nerdwallet.com/banking/best/3-month-cd-rates)[Best 6-month CD rates](https://www.nerdwallet.com/banking/best/6-month-cd-rates)[Best 1-year CD rates](https://www.nerdwallet.com/banking/best/1-year-cd-rates)[Best 3-year CD rates](https://www.nerdwallet.com/banking/best/3-year-cd-rates)[Best 5-year CD rates](https://www.nerdwallet.com/banking/best/5-year-cd-rates)[CD calculator](https://www.nerdwallet.com/banking/calculators/cd-calculator)[Explore more CDs](https://www.nerdwallet.com/banking/hubs/certificates-of-deposit) Checking accounts [Best checking accounts](https://www.nerdwallet.com/banking/best/checking-accounts)[Best free checking accounts](https://www.nerdwallet.com/banking/best/free-checking-accounts)[Best online checking accounts](https://www.nerdwallet.com/banking/best/online-checking-accounts)[Checking account alternatives](https://www.nerdwallet.com/banking/learn/big-bank-alternatives)[Explore more checking accounts](https://www.nerdwallet.com/banking/hubs/checking-accounts) NerdWallet's banking picks [Best bank bonuses and promotions](https://www.nerdwallet.com/banking/best/bank-bonuses-and-promotions)[Best online banks](https://www.nerdwallet.com/banking/best/online-banks)[Best money market accounts](https://www.nerdwallet.com/banking/best/money-market-accounts)[Best credit unions](https://www.nerdwallet.com/banking/best/credit-unions) [Bank reviews](https://www.nerdwallet.com/banking/reviews) Banking calculators [Compound interest calculator](https://www.nerdwallet.com/banking/calculators/compound-interest-calculator)[Emergency fund calculator](https://www.nerdwallet.com/banking/learn/emergency-fund-calculator) [Explore more banking resources](https://www.nerdwallet.com/banking) Home ![Close](data:image/svg+xml;base64,PHN2ZyB4bWxucz0iaHR0cDovL3d3dy53My5vcmcvMjAwMC9zdmciIHdpZHRoPSIyMiIgaGVpZ2h0PSIyMiIgdmlld0JveD0iMCAwIDUxMiA1MTIiID48cGF0aCBkPSJNNDA1IDEzN0wyODYgMjU2bDExOSAxMTktMzAgMzAtMTE5LTExOS0xMTkgMTE5LTMwLTMwIDExOS0xMTktMTE5LTExOSAzMC0zMCAxMTkgMTE5IDExOS0xMTl6IiAvPjwvc3ZnPg==) Home[Explore more home resources](https://www.nerdwallet.com/mortgages) Mortgage rates [Today's mortgage rates](https://www.nerdwallet.com/mortgages/mortgage-rates)[30 year mortgage rates](https://www.nerdwallet.com/mortgages/mortgage-rates/30-year-fixed)[5-year ARM rates](https://www.nerdwallet.com/mortgages/mortgage-rates/5-1-arm)[FHA mortgage rates](https://www.nerdwallet.com/mortgages/mortgage-rates/fha)[VA mortgage rates](https://www.nerdwallet.com/mortgages/mortgage-rates/va)[Best mortgage lenders](https://www.nerdwallet.com/mortgages/best/mortgage-lenders) Best mortgage lenders [Best mortgage lenders](https://www.nerdwallet.com/mortgages/best/mortgage-lenders)[Best lenders for FHA loans](https://www.nerdwallet.com/mortgages/best/lenders-for-fha-loans)[Best lenders for low- and no-down-payment](https://www.nerdwallet.com/mortgages/best/no-and-low-down-payment-lenders)[Best VA mortgage lenders](https://www.nerdwallet.com/mortgages/best/va-mortgage-lenders) Refinance and HELOC [Today's refinance rates](https://www.nerdwallet.com/mortgages/refinance-rates)[Best refinance lenders](https://www.nerdwallet.com/mortgages/best/refinance-lenders)[30-year fixed refinance rates](https://www.nerdwallet.com/mortgages/refinance-rates)[15-year fixed refinance rates](https://www.nerdwallet.com/mortgages/mortgage-rates/15-year-fixed)[Best cash-out refinance lenders](https://www.nerdwallet.com/mortgages/best/cash-out-refinance-lenders)[Best HELOC Lenders](https://www.nerdwallet.com/mortgages/best/heloc-lenders) Buying a home [Compare top mortgage lenders](https://www.nerdwallet.com/mortgages/top-mortgage-lenders)[First-time homebuyers guide](https://www.nerdwallet.com/mortgages/hubs/first-time-homebuyers)[How much can I borrow mortgage calculator](https://www.nerdwallet.com/mortgages/calculators/how-much-can-i-borrow)[Mortgage lender reviews](https://www.nerdwallet.com/mortgages/reviews) Homeownership [Home improvement](https://www.nerdwallet.com/home-ownership)[Home value](https://www.nerdwallet.com/mortgages/learn/how-to-determine-home-value)[Home insurance](https://www.nerdwallet.com/insurance/homeowners)[Explore more homeownership resources](https://www.nerdwallet.com/home-ownership) Home calculators [Mortgage calculator](https://www.nerdwallet.com/mortgages/calculators/mortgage-calculator)[Down payment calculator](https://www.nerdwallet.com/mortgages/learn/how-much-down-payment-for-house)[How much house can I afford calculator](https://www.nerdwallet.com/mortgages/calculators/how-much-house-can-i-afford)[Closing costs calculator](https://www.nerdwallet.com/mortgages/calculators/closing-costs)[Cost of living calculator](https://www.nerdwallet.com/cost-of-living-calculator)[Mortgage amortization calculator](https://www.nerdwallet.com/mortgages/calculators/amortization)[Refinance calculator](https://www.nerdwallet.com/mortgages/calculators/refinance-calculator)[Rent vs buy calculator](https://www.nerdwallet.com/mortgages/calculators/rent-vs-buy-calculator) [First-time homebuyer's guide](https://www.nerdwallet.com/mortgages/hubs/first-time-homebuyers) [Today's mortgage news](https://www.nerdwallet.com/mortgages/news) [Explore more home resources](https://www.nerdwallet.com/mortgages) Loans ![Close](data:image/svg+xml;base64,PHN2ZyB4bWxucz0iaHR0cDovL3d3dy53My5vcmcvMjAwMC9zdmciIHdpZHRoPSIyMiIgaGVpZ2h0PSIyMiIgdmlld0JveD0iMCAwIDUxMiA1MTIiID48cGF0aCBkPSJNNDA1IDEzN0wyODYgMjU2bDExOSAxMTktMzAgMzAtMTE5LTExOS0xMTkgMTE5LTMwLTMwIDExOS0xMTktMTE5LTExOSAzMC0zMCAxMTkgMTE5IDExOS0xMTl6IiAvPjwvc3ZnPg==) Loans Personal loans [Pre-qualify for a personal loan](https://www.nerdwallet.com/personal-loans/pre-qualify)[Compare top lenders](https://www.nerdwallet.com/personal-loans)[Personal loan reviews](https://www.nerdwallet.com/personal-loans/reviews)[Personal loan calculator](https://www.nerdwallet.com/personal-loans/calculators/loan-payment)[How to qualify](https://www.nerdwallet.com/personal-loans/learn/what-are-the-requirements-for-a-personal-loan)[How to consolidate credit card debt](https://www.nerdwallet.com/personal-loans/learn/how-to-consolidate-credit-card-debt)[Average personal loan interest rates](https://www.nerdwallet.com/personal-loans/learn/average-personal-loan-rates)[Explore more personal loan resources](https://www.nerdwallet.com/personal-loans/learn) NerdWallet's Picks[Best personal loans](https://www.nerdwallet.com/personal-loans)[Best debt consolidation loans](https://www.nerdwallet.com/personal-loans/best/debt-consolidation-loans)[Best loans for bad credit](https://www.nerdwallet.com/personal-loans/best/bad-credit-loans)[Best home improvement loans](https://www.nerdwallet.com/personal-loans/best/home-improvement-loans) Student loans [Paying for college](https://www.nerdwallet.com/student-loans/hubs/paying-for-college)[FAFSA and federal student aid](https://www.nerdwallet.com/student-loans/hubs/fafsa-and-federal-student-aid)[Taking out student loans](https://www.nerdwallet.com/student-loans/learn/how-to-get-student-loan)[Paying off student loans](https://www.nerdwallet.com/student-loans/learn/pay-off-student-loans-fast)[Student loan refinance](https://www.nerdwallet.com/student-loans/refinancing)[Student loan interest rates](https://www.nerdwallet.com/student-loans/learn/student-loan-interest-rates)[Student loan calculator](https://www.nerdwallet.com/student-loans/learn/student-loan-calculator)[Explore more student loan resources](https://www.nerdwallet.com/student-loans) NerdWallet's Picks[Best private student loans](https://www.nerdwallet.com/student-loans/best/private-student-loans)[Best graduate school loans](https://www.nerdwallet.com/student-loans/best/graduate-school-loans)[Best student refinance lenders](https://www.nerdwallet.com/student-loans/best/student-loan-refinance-companies)[Best parent loans for college](https://www.nerdwallet.com/student-loans/best/parent-loans-college) Auto loans [Best auto loans for good and bad credit](https://www.nerdwallet.com/auto-loans/best/auto-loans-for-good-fair-and-bad-credit)[Best auto loans refinance loans](https://www.nerdwallet.com/auto-loans/best/refinance-car-loan)[Best lease buyout loans](https://www.nerdwallet.com/auto-loans/best/lease-buyout-loans)[Explore more auto loan resources](https://www.nerdwallet.com/auto-loans) Auto loan calculators[Auto loan calculator](https://www.nerdwallet.com/auto-loans/calculators/auto-loan-calculator)[Auto loans refinance calculator](https://www.nerdwallet.com/auto-loans/calculators/auto-loan-refinance-calculator)[Total car cost calculator](https://www.nerdwallet.com/auto-loans/learn/total-cost-owning-car) Insurance ![Close](data:image/svg+xml;base64,PHN2ZyB4bWxucz0iaHR0cDovL3d3dy53My5vcmcvMjAwMC9zdmciIHdpZHRoPSIyMiIgaGVpZ2h0PSIyMiIgdmlld0JveD0iMCAwIDUxMiA1MTIiID48cGF0aCBkPSJNNDA1IDEzN0wyODYgMjU2bDExOSAxMTktMzAgMzAtMTE5LTExOS0xMTkgMTE5LTMwLTMwIDExOS0xMTktMTE5LTExOSAzMC0zMCAxMTkgMTE5IDExOS0xMTl6IiAvPjwvc3ZnPg==) Insurance[Explore more insurance resources](https://www.nerdwallet.com/insurance) Auto insurance [Compare car insurance quotes](https://www.nerdwallet.com/insurance/auto/car-insurance)[Best car insurance companies](https://www.nerdwallet.com/insurance/auto/best-car-insurance-companies)[Cheapest car insurance companies](https://www.nerdwallet.com/insurance/auto/cheapest-car-insurance)[Car insurance reviews](https://www.nerdwallet.com/insurance/auto/hubs/car-insurance-reviews)[Auto insurance calculator](https://www.nerdwallet.com/insurance/auto/car-insurance-calculator)[Explore more auto insurance resources](https://www.nerdwallet.com/insurance/auto) Cheapest car insurance by state[California car insurance](https://www.nerdwallet.com/insurance/auto/cheap-car-insurance-california)[Texas car insurance](https://www.nerdwallet.com/insurance/auto/cheap-car-insurance-texas)[New York car insurance](https://www.nerdwallet.com/insurance/auto/cheap-car-insurance-new-york)[Georgia car insurance](https://www.nerdwallet.com/insurance/auto/cheap-car-insurance-georgia)[Michigan car insurance](https://www.nerdwallet.com/insurance/auto/cheap-car-insurance-michigan)[Washington car insurance](https://www.nerdwallet.com/insurance/auto/cheap-car-insurance-washington) Life insurance [Compare life insurance quotes](https://www.nerdwallet.com/insurance/life/life-insurance-quotes)[Best life insurance companies](https://www.nerdwallet.com/insurance/life/best-life-insurance-companies)[Choosing a life insurance policy](https://www.nerdwallet.com/insurance/life/life-insurance-policies)[Life insurance reviews](https://www.nerdwallet.com/insurance/life/hubs/life-insurance-reviews)[Life insurance calculator](https://www.nerdwallet.com/insurance/life/learn/how-much-life-insurance-do-i-need)[Explore more life insurance resources](https://www.nerdwallet.com/insurance/life) NerdWallet's Picks[Best term life insurance](https://www.nerdwallet.com/insurance/life/best-term-life-insurance)[Best whole life insurance](https://www.nerdwallet.com/insurance/life/best-whole-life-insurance)[Best life insurance for seniors](https://www.nerdwallet.com/insurance/life/best-senior-life-insurance)[Best burial insurance](https://www.nerdwallet.com/insurance/life/best-burial-insurance)[Best instant life insurance](https://www.nerdwallet.com/insurance/life/best-instant-life-insurance) Home insurance [Compare home insurance quotes](https://www.nerdwallet.com/insurance/homeowners/home-insurance-quotes)[Best home insurance companies](https://www.nerdwallet.com/insurance/homeowners/best-home-insurance-companies)[Home insurance reviews](https://www.nerdwallet.com/insurance/homeowners/hubs/home-insurance-reviews)[Home insurance calculator](https://www.nerdwallet.com/insurance/homeowners/home-insurance-calculator)[Home insurance costs](https://www.nerdwallet.com/insurance/homeowners/learn/average-homeowners-insurance-cost)[Explore more home insurance resources](https://www.nerdwallet.com/insurance/homeowners) Home insurance by state[Best home insurance in New York](https://www.nerdwallet.com/insurance/homeowners/new-york-home-insurance)[Best home insurance in Arizona](https://www.nerdwallet.com/insurance/homeowners/arizona-home-insurance)[Best home insurance in Massachusetts](https://www.nerdwallet.com/insurance/homeowners/massachusetts-home-insurance)[Best home insurance in Virginia](https://www.nerdwallet.com/insurance/homeowners/virginia-home-insurance)[Best home insurance in New Hampshire](https://www.nerdwallet.com/insurance/homeowners/new-hampshire-home-insurance) Pet insurance [Best pet insurance](https://www.nerdwallet.com/insurance/pet/best-pet-insurance-companies)[Cheapest pet insurance](https://www.nerdwallet.com/insurance/pet/cheap-pet-insurance)[What pet insurance covers](https://www.nerdwallet.com/insurance/pet/learn/pet-insurance-coverage)[Pet insurance costs](https://www.nerdwallet.com/insurance/pet/learn/cost-of-pet-insurance)[Explore more pet insurance resources](https://www.nerdwallet.com/insurance/pet) Medicare [How Medicare works](https://www.nerdwallet.com/insurance/medicare/learn/what-is-medicare)[Medicare eligibility](https://www.nerdwallet.com/insurance/medicare/learn/medicare-eligibility)[How to sign up for Medicare](https://www.nerdwallet.com/insurance/medicare/learn/how-do-i-sign-up-for-medicare)[Medicare costs](https://www.nerdwallet.com/insurance/medicare/learn/medicare-premiums-and-deductibles)[What's covered under Medicare](https://www.nerdwallet.com/insurance/medicare/learn/what-is-medicare)[Explore more Medicare resources](https://www.nerdwallet.com/insurance/medicare) NerdWallet's Picks[Best Medicare Advantage plans](https://www.nerdwallet.com/insurance/medicare/best-medicare-advantage-plans)[Best Medigap companies](https://www.nerdwallet.com/insurance/medicare/best-medigap-insurance-companies)[Best Medigap Plan G companies](https://www.nerdwallet.com/insurance/medicare/best-medigap-plan-g-companies)[Best Medicare Part D plans](https://www.nerdwallet.com/insurance/medicare/best-medicare-part-d-plans)[Best Medicare dental plans](https://www.nerdwallet.com/insurance/medicare/best-medicare-dental-plans) Renters insurance [Best renters insurance](https://www.nerdwallet.com/insurance/renters/best-renters-insurance-companies)[Cheapest renters insurance](https://www.nerdwallet.com/insurance/renters/cheap-renters-insurance)[Explore more renters insurance resources](https://www.nerdwallet.com/insurance/renters) [Explore more insurance resources](https://www.nerdwallet.com/insurance) Personal finance ![Close](data:image/svg+xml;base64,PHN2ZyB4bWxucz0iaHR0cDovL3d3dy53My5vcmcvMjAwMC9zdmciIHdpZHRoPSIyMiIgaGVpZ2h0PSIyMiIgdmlld0JveD0iMCAwIDUxMiA1MTIiID48cGF0aCBkPSJNNDA1IDEzN0wyODYgMjU2bDExOSAxMTktMzAgMzAtMTE5LTExOS0xMTkgMTE5LTMwLTMwIDExOS0xMTktMTE5LTExOSAzMC0zMCAxMTkgMTE5IDExOS0xMTl6IiAvPjwvc3ZnPg==) Personal finance[Explore more resources](https://www.nerdwallet.com/finance) Tracking credit [Get your free credit score](https://www.nerdwallet.com/p/free-credit-score)[Your credit report](https://www.nerdwallet.com/finance/learn/how-to-use-annualcreditreport-com)[Understanding your credit score](https://www.nerdwallet.com/finance/hubs/the-ultimate-credit-score-guide)[Using your credit](https://www.nerdwallet.com/finance/learn/how-is-credit-utilization-ratio-calculated)[Improving your credit](https://www.nerdwallet.com/finance/learn/how-to-build-credit)[Protecting your credit](https://www.nerdwallet.com/finance/learn/how-to-freeze-credit) Managing money [Saving money](https://www.nerdwallet.com/finance/learn/how-to-save-money)[Handling bills and expenses](https://www.nerdwallet.com/finance/learn/tracking-monthly-expenses)[Shopping](https://www.nerdwallet.com/finance/hubs/shopping)[Financial health](https://www.nerdwallet.com/finance/learn/financial-health)[Savings goal calculator](https://www.nerdwallet.com/finance/learn/savings-goal-calculator)[Net worth calculator](https://www.nerdwallet.com/investing/calculators/net-worth-calculator)[Explore more money management](https://www.nerdwallet.com/finance/hubs/money-management) NerdWallet's budgeting basics[Budgeting](https://www.nerdwallet.com/finance/learn/how-to-budget)[Free budget worksheet](https://www.nerdwallet.com/finance/learn/budget-worksheet)[How to budget](https://www.nerdwallet.com/finance/learn/how-to-budget)[The best budget apps](https://www.nerdwallet.com/finance/learn/best-budget-apps)[Budget calculator](https://www.nerdwallet.com/finance/calculators/nerdwallet-budget-calculator)[Cost of living calculator](https://www.nerdwallet.com/cost-of-living-calculator) Making money [Gig work](https://www.nerdwallet.com/finance/learn/what-is-the-gig-economy)[Making money online](https://www.nerdwallet.com/finance/learn/game-apps-pay-real-money)[Explore more money making resources](https://www.nerdwallet.com/finance/hubs/making-money) Managing debt [Paying debt](https://www.nerdwallet.com/personal-loans/learn/pay-off-debt)[Dealing with debt collection](https://www.nerdwallet.com/finance/learn/how-to-deal-with-debt-collectors)[Debt relief](https://www.nerdwallet.com/personal-loans/learn/find-debt-relief)[Explore more debt management resources](https://www.nerdwallet.com/finance/hubs/paying-off-debt) Travel [Best travel credit cards](https://www.nerdwallet.com/credit-cards/best/travel)[Travel insurance](https://www.nerdwallet.com/travel/hubs/travel-insurance)[Explore more travel resources](https://www.nerdwallet.com/travel) [Explore more resources](https://www.nerdwallet.com/finance) Investing ![Close](data:image/svg+xml;base64,PHN2ZyB4bWxucz0iaHR0cDovL3d3dy53My5vcmcvMjAwMC9zdmciIHdpZHRoPSIyMiIgaGVpZ2h0PSIyMiIgdmlld0JveD0iMCAwIDUxMiA1MTIiID48cGF0aCBkPSJNNDA1IDEzN0wyODYgMjU2bDExOSAxMTktMzAgMzAtMTE5LTExOS0xMTkgMTE5LTMwLTMwIDExOS0xMTktMTE5LTExOSAzMC0zMCAxMTkgMTE5IDExOS0xMTl6IiAvPjwvc3ZnPg==) Investing[Explore more investing resources](https://www.nerdwallet.com/investing) Best investment accounts [Best brokerage accounts](https://www.nerdwallet.com/investing/best/online-brokers-for-stock-trading)[Best robo-advisors](https://www.nerdwallet.com/investing/best/robo-advisors)[Best trading platforms](https://www.nerdwallet.com/investing/best/online-brokers-platforms-for-day-trading)[Best online brokers for beginners](https://www.nerdwallet.com/investing/best/online-brokers-for-beginners)[Best Roth IRA accounts](https://www.nerdwallet.com/retirement/best/roth-ira-accounts)[Best IRA accounts](https://www.nerdwallet.com/retirement/best/ira-accounts)[Best investing apps](https://www.nerdwallet.com/investing/best/investment-apps)[Explore more investment accounts](https://www.nerdwallet.com/investing/reviews) Investments [Best investments right now](https://www.nerdwallet.com/investing/learn/the-best-investments-right-now)[Stocks](https://www.nerdwallet.com/investing/hubs/stocks)[Funds](https://www.nerdwallet.com/investing/learn/how-to-invest-in-mutual-funds)[Bonds](https://www.nerdwallet.com/investing/hubs/bonds)[Cryptocurrency](https://www.nerdwallet.com/investing/hubs/cryptocurrency)[Real estate and alternative investments](https://www.nerdwallet.com/investing/hubs/real-estate-alternative-investments) Retirement [Roth IRA basics](https://www.nerdwallet.com/retirement/learn/what-is-a-roth-ira)[IRA basics](https://www.nerdwallet.com/retirement/learn/learn-about-ira-accounts)[401(k)s](https://www.nerdwallet.com/retirement/learn/what-is-a-401k)[Self-employed retirement plans](https://www.nerdwallet.com/retirement/learn/retirement-plans-self-employed)[Social Security](https://www.nerdwallet.com/investing/hubs/social-security)[Explore more retirement resources](https://www.nerdwallet.com/retirement) Investing and retirement calculators [Retirement calculator](https://www.nerdwallet.com/investing/calculators/retirement-calculator)[401(k) calculator](https://www.nerdwallet.com/retirement/calculators/401k-calculator)[Roth IRA calculator](https://www.nerdwallet.com/investing/calculators/roth-ira-calculator)[Investment return calculator](https://www.nerdwallet.com/investing/calculators/investment-calculator)[Social Security benefits calculator](https://www.nerdwallet.com/investing/calculators/social-security-calculator)[Inflation calculator](https://www.nerdwallet.com/finance/calculators/inflation-calculator) Financial advisors [Best financial advisors](https://www.nerdwallet.com/financial-advisors/best)[How to choose a financial advisor](https://www.nerdwallet.com/financial-advisors/learn/how-to-choose-a-financial-advisor)[Financial advisor fees](https://www.nerdwallet.com/financial-advisors/learn/how-much-does-a-financial-advisor-cost) [Explore more investing resources](https://www.nerdwallet.com/investing) Small business ![Close](data:image/svg+xml;base64,PHN2ZyB4bWxucz0iaHR0cDovL3d3dy53My5vcmcvMjAwMC9zdmciIHdpZHRoPSIyMiIgaGVpZ2h0PSIyMiIgdmlld0JveD0iMCAwIDUxMiA1MTIiID48cGF0aCBkPSJNNDA1IDEzN0wyODYgMjU2bDExOSAxMTktMzAgMzAtMTE5LTExOS0xMTkgMTE5LTMwLTMwIDExOS0xMTktMTE5LTExOSAzMC0zMCAxMTkgMTE5IDExOS0xMTl6IiAvPjwvc3ZnPg==) Small business[Explore more small-business resources](https://www.nerdwallet.com/business) Funding your business [Small-business loans](https://www.nerdwallet.com/business/loans/best)[SBA loans](https://www.nerdwallet.com/business/loans/learn/sba-loans)[Business lines of credit](https://www.nerdwallet.com/business/loans/best/business-line-of-credit)[Business grants](https://www.nerdwallet.com/business/loans/learn/small-business-grants)[Startup business loans](https://www.nerdwallet.com/business/loans/learn/startup-business-loans) Resources and Tools[Business loan rates](https://www.nerdwallet.com/business/loans/learn/rates-fees)[SBA loan rates](https://www.nerdwallet.com/business/loans/learn/sba-loan-rates)[Business loan calculator](https://www.nerdwallet.com/business/loans/calculators/business-loan)[SBA loan calculator](https://www.nerdwallet.com/business/loans/calculators/sba-loan) Managing business finances [Business bank accounts](https://www.nerdwallet.com/business/banking/best/types)[Business credit cards](https://www.nerdwallet.com/business/credit-cards/best)[Accounting software](https://www.nerdwallet.com/business/software/best/accounting-software)[Business taxes](https://www.nerdwallet.com/business/taxes) Explore business credit cards[Best 0% APR business credit cards](https://www.nerdwallet.com/business/credit-cards/best/zero-percent-apr)[Best cash-back business credit cards](https://www.nerdwallet.com/business/credit-cards/best/cash-back)[Best travel business credit cards](https://www.nerdwallet.com/business/credit-cards/best/travel)[Best startup business credit cards](https://www.nerdwallet.com/business/credit-cards/best/startups)[Best LLC business credit cards](https://www.nerdwallet.com/business/credit-cards/best/llc)[Best business credit cards for gas](https://www.nerdwallet.com/business/credit-cards/best/gas) Starting a business [How to start a business](https://www.nerdwallet.com/business/learn/how-to-start-a-business)[Business ideas](https://www.nerdwallet.com/business/hubs/business-ideas)[Writing a business plan](https://www.nerdwallet.com/business/learn/how-to-write-a-business-plan)[Entrepreneurship](https://www.nerdwallet.com/business/hubs/entrepreneurship) Running your business [Payment processing companies](https://www.nerdwallet.com/business/software/best/payment-processing-companies)[Business insurance](https://www.nerdwallet.com/business/insurance/best)[Business legal](https://www.nerdwallet.com/business/legal) [Explore more small-business resources](https://www.nerdwallet.com/business) Taxes ![Close](data:image/svg+xml;base64,PHN2ZyB4bWxucz0iaHR0cDovL3d3dy53My5vcmcvMjAwMC9zdmciIHdpZHRoPSIyMiIgaGVpZ2h0PSIyMiIgdmlld0JveD0iMCAwIDUxMiA1MTIiID48cGF0aCBkPSJNNDA1IDEzN0wyODYgMjU2bDExOSAxMTktMzAgMzAtMTE5LTExOS0xMTkgMTE5LTMwLTMwIDExOS0xMTktMTE5LTExOSAzMC0zMCAxMTkgMTE5IDExOS0xMTl6IiAvPjwvc3ZnPg==) Taxes[Explore more tax resources](https://www.nerdwallet.com/taxes) Tax brackets and rates [Tax brackets](https://www.nerdwallet.com/taxes/learn/federal-income-tax-brackets)[Capital gains tax rates](https://www.nerdwallet.com/taxes/learn/capital-gains-tax-rates)[State tax rates](https://www.nerdwallet.com/taxes/learn/state-income-tax-rates) Tax calculators [Federal income tax calculator](https://www.nerdwallet.com/taxes/calculators/tax-calculator)[Capital gains tax calculator](https://www.nerdwallet.com/taxes/calculators/capital-gains-tax-calculator) Tax preparation and filing [Tax withholding](https://www.nerdwallet.com/taxes/learn/how-to-fill-out-form-w4-guide)[Tax credits and deductions](https://www.nerdwallet.com/taxes/learn/tax-deductions-tax-breaks)[Choosing a filing status](https://www.nerdwallet.com/taxes/learn/how-to-choose-tax-filing-status)[Free tax filing](https://www.nerdwallet.com/taxes/learn/free-tax-filing-how-to-file-taxes-for-free)[Best tax software](https://www.nerdwallet.com/taxes/reviews) Solving tax issues [Tax extensions](https://www.nerdwallet.com/taxes/learn/how-to-get-tax-extension-online)[Filing past-due returns](https://www.nerdwallet.com/taxes/learn/back-taxes-past-due-returns)[IRS payment plans](https://www.nerdwallet.com/taxes/learn/how-to-set-up-irs-payment-plan)[Tax debt relief and resolution](https://www.nerdwallet.com/taxes/learn/tax-relief-back-taxes) [Explore more tax resources](https://www.nerdwallet.com/taxes) ![Search](data:image/svg+xml,%3Csvg%20xmlns%3D%22http%3A%2F%2Fwww.w3.org%2F2000%2Fsvg%22%20width%3D%2220%22%20height%3D%2220%22%20viewBox%3D%221518%20257.8%20100%20100%22%20%3E%3Cpath%20fill%3D%22currentColor%22%20d%3D%22M1591.5%20324.2c5.8-7.5%208.7-15.9%208.7-25.3%200-5.5-1-10.7-3.1-15.8-2.1-5-5.1-9.5-9-13.3-3.9-3.9-8.3-6.8-13.3-8.9s-10.3-3.1-15.8-3.1-10.7%201-15.7%203.1-9.5%205-13.4%208.9c-3.9%203.9-6.8%208.3-8.9%2013.3-2.1%205-3.1%2010.3-3.1%2015.8s1%2010.7%203.1%2015.8c2.1%205%205%209.5%208.9%2013.3%203.9%203.9%208.4%206.8%2013.4%208.9s10.2%203.1%2015.7%203.1c9.4%200%2017.9-2.9%2025.3-8.7l26.5%2026.5%207.1-7.1-26.4-26.5zm-63.5-25.3c0-8.6%203-15.9%209.1-22%206-6%2013.4-9.1%2022-9.1s15.9%203%2022%209.1c6%206.1%209.1%2013.5%209.1%2022%200%208.6-3%2015.9-9.1%2022s-13.4%209.1-22%209.1-15.9-3-22-9.1-9.1-13.4-9.1-22z%22%20%2F%3E%3C%2Fsvg%3E) ![Close](data:image/svg+xml;base64,PHN2ZyB4bWxucz0iaHR0cDovL3d3dy53My5vcmcvMjAwMC9zdmciIHdpZHRoPSIyMiIgaGVpZ2h0PSIyMiIgdmlld0JveD0iMCAwIDUxMiA1MTIiID48cGF0aCBkPSJNNDA1IDEzN0wyODYgMjU2bDExOSAxMTktMzAgMzAtMTE5LTExOS0xMTkgMTE5LTMwLTMwIDExOS0xMTktMTE5LTExOSAzMC0zMCAxMTkgMTE5IDExOS0xMTl6IiAvPjwvc3ZnPg==) [Sign In](https://www.nerdwallet.com/api/nts/v1/login?initialScreen=signin&redirectTo=https%3A%2F%2Fwww.nerdwallet.com%2Ffinance%2Flearn%2Fhow-to-budget)[JoinSign Up](https://www.nerdwallet.com/api/nts/v1/login?initialScreen=signup&redirectTo=https%3A%2F%2Fwww.nerdwallet.com%2Ffinance%2Flearn%2Fhow-to-budget) ![Notifications](data:image/svg+xml,%3Csvg%20xmlns%3D%22http%3A%2F%2Fwww.w3.org%2F2000%2Fsvg%22%20width%3D%2220%22%20height%3D%2220%22%20viewBox%3D%220%200%2016%2016%22%20aria-hidden%3D%22true%22%20fill%3D%22currentcolor%22%20focusable%3D%22false%22%20%3E%3Cpath%20fill-rule%3D%22evenodd%22%20clip-rule%3D%22evenodd%22%20d%3D%22M11.55%207.335c0%201.982.704%202.685%201.145%203.125.037.037.072.071.104.105a.616.616%200%2001.201.438c.004.354-.29.666-.737.666H9.33c0%20.748-.586%201.33-1.32%201.33-.754%200-1.34-.582-1.34-1.33H3.714c-.446%200-.714-.312-.714-.667%200-.145.045-.312.179-.437l.103-.105c.442-.44%201.147-1.143%201.147-3.125%200-1.605%201.205-2.897%202.857-3.23v-.438C7.286%203.313%207.598%203%208%203c.38%200%20.692.313.692.667v.438c1.652.333%202.857%201.625%202.857%203.23zm-7.054%203.334c.468-.563%201.017-1.542%201.01-3.313v-.021C5.506%206.063%206.616%205%208%205c1.362%200%202.5%201.062%202.5%202.334l-.002.02c0%201.772.515%202.751.984%203.314H4.496z%22%20%3E%3C%2Fpath%3E%3C%2Fsvg%3E) ![Close](data:image/svg+xml;base64,PHN2ZyB4bWxucz0iaHR0cDovL3d3dy53My5vcmcvMjAwMC9zdmciIHdpZHRoPSIyMiIgaGVpZ2h0PSIyMiIgdmlld0JveD0iMCAwIDUxMiA1MTIiID48cGF0aCBkPSJNNDA1IDEzN0wyODYgMjU2bDExOSAxMTktMzAgMzAtMTE5LTExOS0xMTkgMTE5LTMwLTMwIDExOS0xMTktMTE5LTExOSAzMC0zMCAxMTkgMTE5IDExOS0xMTl6IiAvPjwvc3ZnPg==) [![](data:image/svg+xml;base64,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)My NerdWallet](https://www.nerdwallet.com/home/dashboard/home) Welcome Back, ![](data:image/svg+xml;base64,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) ![Close](data:image/svg+xml;base64,PHN2ZyB4bWxucz0iaHR0cDovL3d3dy53My5vcmcvMjAwMC9zdmciIHdpZHRoPSIyMiIgaGVpZ2h0PSIyMiIgdmlld0JveD0iMCAwIDUxMiA1MTIiID48cGF0aCBkPSJNNDA1IDEzN0wyODYgMjU2bDExOSAxMTktMzAgMzAtMTE5LTExOS0xMTkgMTE5LTMwLTMwIDExOS0xMTktMTE5LTExOSAzMC0zMCAxMTkgMTE5IDExOS0xMTl6IiAvPjwvc3ZnPg==) [Finance](https://www.nerdwallet.com/finance) How to Budget Money in 5 Steps Advertiser disclosure ### You're our first priority. Every time. We believe everyone should be able to make financial decisions with confidence. While we don't cover every company or financial product on the market, we work hard to share a wide range of offers and objective editorial perspectives. So how do we make money? Our partners compensate us for advertisements that appear on our site. This compensation helps us provide tools and services - like free credit score access and monitoring. With the exception of mortgage, home equity and other home-lending products or services, partner compensation is one of several factors that may affect which products we highlight and where they appear on our site. Other factors include your credit profile, product availability and proprietary website methodologies. However, these factors do not influence our editors' opinions or ratings, which are based on independent research and analysis. Our partners cannot pay us to guarantee favorable reviews. [Here is a list of our partners](https://www.nerdwallet.com/p/our-partners). # How to Budget Money in 5 Steps Divide your income among needs, wants, savings and debt repayment. [![Amanda Barroso](https://www.nerdwallet.com/assets/blog/wp-content/uploads/2022/05/Barroso_Amanda_882-MuckRack-Ona30327-96x96.jpg)](https://www.nerdwallet.com/author/amanda-barroso) Written by Amanda Barroso [![](https://www.nerdwallet.com/assets/blog/wp-content/uploads/2022/05/Barroso_Amanda_882-MuckRack-Ona30327-96x96.jpg)](https://www.nerdwallet.com/author/amanda-barroso) [Amanda Barroso](https://www.nerdwallet.com/author/amanda-barroso) Lead Writer & Content Strategist 4 years of experience Expertise - Budgeting and saving - Credit building - Credit Scoring Amanda Barroso, Ph.D., is a writer and content strategist helping consumers navigate budgeting, credit building and credit scoring. Before joining NerdWallet, Amanda wrote about demographic trends at the Pew Research Center and earned a Ph.D. from The Ohio State University. Her work has been featured by the Associated Press, Washington Post and Yahoo Finance. Published in ![The Associated Press](https://cdns3.nerdwallet.com/lending/publication-logos/TheAssociatedPress.webp)![The Washington Post](https://cdns3.nerdwallet.com/lending/publication-logos/TheWashingtonPost.webp)![Yahoo Finance](https://cdns3.nerdwallet.com/lending/publication-logos/YahooFinance.webp) [![Lauren Schwahn](https://www.nerdwallet.com/assets/blog/wp-content/uploads/2019/08/lschwahn-user-avatar-96x96.jpg)](https://www.nerdwallet.com/author/lauren-schwahn) Co-written by Lauren Schwahn [![](https://www.nerdwallet.com/assets/blog/wp-content/uploads/2019/08/lschwahn-user-avatar-96x96.jpg)](https://www.nerdwallet.com/author/lauren-schwahn) [Lauren Schwahn](https://www.nerdwallet.com/author/lauren-schwahn) Senior Writer & Content Strategist 10 years of experience Expertise - Personal finance - debt - credit scoring - budgeting Lauren Schwahn is a writer at NerdWallet who covers credit scoring, debt, budgeting and money-saving strategies. She contributed to the "Millennial Money" column for The Associated Press and managed a team of writers producing content for the series. Her work has also been featured by USA Today, MSN, The Washington Post and more. Lauren has a bachelor’s degree in history from the University of California, Santa Cruz. She is based in San Francisco. Published in ![MarketWatch](https://cdns3.nerdwallet.com/lending/publication-logos/Marketwatch.webp)![Nasdaq.com](https://cdns3.nerdwallet.com/lending/publication-logos/NASDAQ.webp)![The Associated Press](https://cdns3.nerdwallet.com/lending/publication-logos/TheAssociatedPress.webp)![The New York Times](https://cdns3.nerdwallet.com/lending/publication-logos/TheNewYorkTimes.webp) [![Laura McMullen](https://www.nerdwallet.com/assets/blog/wp-content/uploads/2022/05/DSC01645_crop-e1771878504383-96x96.jpg)](https://www.nerdwallet.com/author/laura-mcmullen) Edited by Laura McMullen [![](https://www.nerdwallet.com/assets/blog/wp-content/uploads/2022/05/DSC01645_crop-e1771878504383-96x96.jpg)](https://www.nerdwallet.com/author/laura-mcmullen) [Laura McMullen](https://www.nerdwallet.com/author/laura-mcmullen) Editor & Content Strategist 10 years of experience Expertise - Personal finance - financial news - student loans Laura McMullen assigns and edits content related to personal loans and student loans. She previously edited money news content. Before then, Laura was a senior writer at NerdWallet and covered saving, making and budgeting money; she also contributed to the "Millennial Money" column for The Associated Press. Before joining NerdWallet in 2015, Laura worked for U.S. News & World Report, where she wrote and edited content related to careers, wellness and education and also contributed to the company's rankings projects. Before working at U.S. News & World Report, Laura interned at Vice Media and studied journalism, history and Arabic at Ohio University. Laura lives in Washington, D.C. Published in ![MSN](https://cdns3.nerdwallet.com/lending/publication-logos/MSN.webp)![The Associated Press](https://cdns3.nerdwallet.com/lending/publication-logos/TheAssociatedPress.webp)![The New York Times](https://cdns3.nerdwallet.com/lending/publication-logos/TheNewYorkTimes.webp)![The Washington Post](https://cdns3.nerdwallet.com/lending/publication-logos/TheWashingtonPost.webp) other Updated Jan 1, 2026 Fact Checked How is this page expert verified? NerdWallet's content is fact-checked for accuracy, timeliness and relevance. It undergoes a thorough review process involving writers and editors to ensure the information is as clear and complete as possible. [More on our editorial rigor](https://www.nerdwallet.com/l/nerdwallet-editorial-guidelines) SOME CARD INFO MAY BE OUTDATED This page includes information about these cards, currently unavailable on NerdWallet. The information has been collected by NerdWallet and has not been provided or reviewed by the card issuer. A budget is a plan for how you use your money. No matter how much you earn or how often you get paid, a budget helps you stay on top of your bills, savings and other money goals. It can give you more control and less stress. ## How to create a budget: step-by-step To budget money, follow the five steps below. ### Step 1. Figure out your after-tax income If you get a regular paycheck, the amount you bring home is your after-tax income. This is also called your [net income](https://www.nerdwallet.com/finance/learn/take-home-income) or take-home pay. If money is taken out of your paycheck for things like a 401(k) or insurance, add that back in when making your budget. That way, you'll see your full income. If you have other types of money coming in — such as from side gigs — subtract anything that reduces that income, such as taxes and business expenses. » Stay informed: - Check out NerdWallet's [news hub](https://www.nerdwallet.com/news) for all the latest. - Subscribe to one of NerdWallet's [free newsletters](https://www.nerdwallet.com/finance/news/newsletter-signup). ### Step 2. Choose a budgeting system A budgeting system is a plan for how to use your money. Everyone has different habits, personality types and approaches to managing money, and there are systems that can fit your lifestyle. Every budget should cover your needs, some wants and savings for emergencies and the future. Examples of [budgeting systems](https://www.nerdwallet.com/finance/learn/how-to-choose-the-right-budget-system) include the envelope system, the zero-based budget, and the [50/30/20 budget](https://www.nerdwallet.com/finance/learn/nerdwallet-budget-calculator), in which 50% of your take-home pay goes toward necessities, 30% toward wants and 20% toward savings and retirement. Other breakdowns, like 60/20/20 and 60/30/10, may work well for some situations. ### Meet MoneyNerd, your weekly news decoder So much news. So little time. NerdWallet's new weekly newsletter makes sense of the headlines that affect your wallet. [SUBSCRIBE FOR FREE](https://moneynerd-nerdwallet.beehiiv.com/) ![CTA image](https://www.nerdwallet.com/assets/blog/wp-content/uploads/2026/01/Screenshot-2026-01-22-at-4.18.01-PM.png) ### Step 3. Track your progress Write down what you spend, or use a [budget app](https://www.nerdwallet.com/finance/learn/best-budget-apps) or [NerdWallet's budget template](https://www.nerdwallet.com/finance/learn/budget-worksheet) to help. Pay attention to where your money is going. If you notice areas where you’re overspending, try to cut those costs. If you’re able to make cuts and have money left over, put it toward debt repayment, savings or another financial priority. ### Step 4. Automate your savings Set up automatic savings to make things easier. You can set automatic deposits to an [emergency fund,](https://www.nerdwallet.com/banking/learn/emergency-fund-why-it-matters) investment or retirement account on your paydays. If your income changes from month to month, set reminders to move money when you can. You don't have to do it alone — a friend or online group can keep you motivated to stick to your budget. ### Step 5. Practice budget management Your money situation will change over time. Check your budget every few months and adjust if needed. If you find that the initial budgeting system you chose isn’t working for you, consider trying a different strategy. The budget you choose doesn’t have to last forever. ## Determine your budgeting priorities When budgeting, it can be hard to figure out which items are most urgent. Should you prioritize your credit card debt, student loan repayments or retirement savings? Here is a list of potential priorities from most to least urgent. Priority No. 1: Start an emergency fund. Priority No. 1: Start an emergency fund. Many experts recommend trying to build up several months of bare-bones living expenses. NerdWallet suggests starting an emergency fund of at least \$500, which could be enough to cover small emergencies and repairs. If that starting amount isn’t possible, put at least a little bit toward the fund every paycheck. According to a [recent NerdWallet survey](https://www.nerdwallet.com/finance/studies/2026-consumer-outlook-report), 46% of Americans plan on saving money for emergencies in 2026. Priority No. 2: Get your 401(k) match. Priority No. 2: Get your 401(k) match. If your job offers a 401(k) match, consider putting in enough to get the full match. That's free money. Priority No. 3: Pay off high-interest debt. Priority No. 3: Pay off high-interest debt. A NerdWallet study found that 30% of Americans plan on paying off one or more of their debts in full in 2026 \[1\] NerdWallet. [2026 Consumer Outlook Report – 51% Say Prices Will Worsen.](https://www.nerdwallet.com/finance/studies/2026-consumer-outlook-report) Accessed Jan 1, 2026. [View all sources](https://www.nerdwallet.com/finance/learn/how-to-budget#citation-list) . If this is one of your goals, focus on high-interest credit card debt or loans, such as personal and payday loans, title loans and rent-to-own payments. Look into ways to [help with your debt](https://www.nerdwallet.com/finance/learn/find-debt-relief) — like a [debt management plan](https://www.nerdwallet.com/personal-loans/learn/how-does-debt-management-work) or bankruptcy — if either of these things is true for you: - You can't repay your credit cards, medical bills or personal loans (i.e., unsecured debt) in the next five years, even if you cut your spending a lot. - Your total debt (not including things like a mortgage or car loan) is as much or more than half of what you make before taxes. Priority No. 4: Save for retirement (again). Priority No. 4: Save for retirement (again). Once you've paid off your high-interest debt and have some extra money, focus on saving for retirement. Financial experts suggest saving 10-15% of your income before taxes for retirement. For many people, that's a goal to work towards over time. Just know that your company match, if offered, counts toward that 15% total. If your job doesn't offer a 401(k), or if you’ve already put in enough to get the full match, you can look into other options, such as a Roth or traditional [IRA](https://www.nerdwallet.com/retirement/learn/learn-about-ira-accounts). Priority No. 5: Grow your emergency fund. Priority No. 5: Grow your emergency fund. Keep adding to your emergency savings. Try to build up enough to cover three to six months of basic living expenses — like rent, groceries and utilities. It might take a long time to reach this goal. That's OK. Use the fund when emergencies happen, and try to put the money back when you can. Priority No. 6: Pay down the rest of your debt. Priority No. 6: Pay down the rest of your debt. Once your emergency fund is in good shape and your retirement savings are on track, focus on other debts. These payments go beyond the minimum required to [pay off debt](https://www.nerdwallet.com/finance/learn/pay-off-debt), if you have any remaining. If you’ve already paid off your high-interest debt, what’s left is probably lower-rate, such as student loans, or tax-deductible debt like your mortgage. Tackle these when the goals listed above are covered. Try not to take money away from your emergency fund and retirement savings to do this. Priority No. 7: Save for yourself. Priority No. 7: Save for yourself. Great job! If you've taken all the steps above, you're in a great position. You’ve built smart money habits and now have more freedom with your money. To earn more on your savings, think about using a [high-yield savings account](https://www.nerdwallet.com/banking/learn/high-interest-savings-account). These often pay more than regular savings accounts. You can divide your savings into different buckets — one for emergencies, one for car repairs and one for fun. Some banks will automatically move your monthly interest earnings to your bucket of choice, helping you reach your goals faster. The more you save, the more your money grows. It's a win-win. ## Try a simple budgeting plan: 50/30/20 One popular budget plan is the 50/30/20 budget. If you stick to this plan, you can handle your bills, save for the future, prepare for emergencies and enjoy life, too. ### Allow up to 50% of your income for needs Your necessities — about 50% of your after-tax income — should include: - Groceries. - Housing. - Basic utilities. - Transportation. - Insurance. - Minimum loan and credit card payments. Anything beyond the minimum goes into the savings and debt repayment category. - Child care or other expenses you need so you can work. If your basic needs go over 50%, you can use some of your “wants” money for now. That's OK. But if those needs are going over 50% month after month, consider switching to another budgeting model. Switching your budget isn't a sign of failure. Budgets should work for your life. If your necessities fall under the 50% cap, review the expenses that stay the same every month, often called fixed expenses. You may find a [better cell phone plan](https://www.nerdwallet.com/finance/learn/best-cell-phone-plans), an opportunity to [refinance your mortgage](https://www.nerdwallet.com/mortgages/learn/how-to-refinance-your-mortgage) or a less expensive car insurance option. Those money moves create breathing room in your budget. ### Leave 30% for wants [Separating wants from needs](https://www.nerdwallet.com/finance/learn/financial-needs-versus-wants) can be difficult. Needs are essential for you to live and work. Typical wants include dinners out, gifts, travel and entertainment. It’s not always easy to decide: Are organic groceries a want or a need? How about house cleaning services or food delivery? Decisions vary from person to person. If you want to get out of debt as fast as you can, you may decide your wants can wait until you have some savings or your debts are under control. But your budget should include fun money. If it's too strict, it's harder to stick with. ### Commit 20% to savings and debt paydown Use 20% of your after-tax income to put money away for the unexpected, save for the future and pay off debt balances (paying more than minimums). Think about your biggest money goals and use this part of your income to reach them. ## Best way to budget The best way to budget is one you can follow. Pick a plan that works for your life and goals. If the 50/30/20 budget isn’t realistic for you, maybe a 60/20/20 breakdown makes more sense — 60% toward necessities, 20% toward wants and 20% toward savings and retirement. You might have to try a few different budget plans to find one that works for you. Just make sure any plan covers needs, wants and savings. Try out a few tools to track your money — like a notebook, a worksheet or an app — and pick the one you'll actually use. By testing what works best for you, you're more likely to find a budget that helps you reach your financial goals. ![Video thumbnail](https://i.ytimg.com/vi_webp/7ckn883BbPQ/sddefault.webp) Explore more on [The Financial Glow Up](https://www.nerdwallet.com/finance/hubs/glowup)[Money News You Can Use](https://www.nerdwallet.com/finance/news)[Money Management](https://www.nerdwallet.com/finance/hubs/money-management)[Making Money](https://www.nerdwallet.com/finance/hubs/making-money)[Paying Off Debt](https://www.nerdwallet.com/finance/hubs/paying-off-debt)[Paying Your Bills](https://www.nerdwallet.com/finance/hubs/paying-your-bills)[Personal Finance](https://www.nerdwallet.com/finance) Article sources Article sources NerdWallet writers are subject matter authorities who use primary, trustworthy sources to inform their work, including peer-reviewed studies, government websites, academic research and interviews with industry experts. All content is fact-checked for accuracy, timeliness and relevance. You can learn more about NerdWallet's high standards for journalism by reading our [editorial guidelines.](https://www.nerdwallet.com/l/nerdwallet-editorial-guidelines) - [1\.](https://www.nerdwallet.com/finance/learn/how-to-budget#citation-1850354181) NerdWallet. [2026 Consumer Outlook Report – 51% Say Prices Will Worsen.](https://www.nerdwallet.com/finance/studies/2026-consumer-outlook-report) Accessed Jan 1, 2026. [Back to top]() About the authors [![Amanda Barroso](https://www.nerdwallet.com/assets/blog/wp-content/uploads/2022/05/Barroso_Amanda_882-MuckRack-Ona30327-160x160.jpg)](https://www.nerdwallet.com/author/amanda-barroso) [Amanda Barroso](https://www.nerdwallet.com/author/amanda-barroso) Amanda Barroso, Ph.D., is a writer and content strategist helping consumers navigate budgeting, credit building and credit scoring. Before joining NerdWallet, Amanda wrote about demographic trends at the Pew Research Center and earned a Ph.D. from The Ohio State University. Her work has been featured by the Associated Press, Washington Post and Yahoo Finance. Published in ![The Associated Press](https://cdns3.nerdwallet.com/lending/publication-logos/TheAssociatedPress.webp)![The Washington Post](https://cdns3.nerdwallet.com/lending/publication-logos/TheWashingtonPost.webp)![Yahoo Finance](https://cdns3.nerdwallet.com/lending/publication-logos/YahooFinance.webp) [![Lauren Schwahn](https://www.nerdwallet.com/assets/blog/wp-content/uploads/2019/08/lschwahn-user-avatar-160x160.jpg)](https://www.nerdwallet.com/author/lauren-schwahn) [Lauren Schwahn](https://www.nerdwallet.com/author/lauren-schwahn) Lauren Schwahn is a writer at NerdWallet who covers credit scoring, debt, budgeting and money-saving strategies. She contributed to the "Millennial Money" column for The Associated Press and managed a team of writers producing content for the series. Her work has also been featured by USA Today, MSN, The Washington Post and more. Lauren has a bachelor’s degree in history from the University of California, Santa Cruz. She is based in San Francisco. Published in ![MarketWatch](https://cdns3.nerdwallet.com/lending/publication-logos/Marketwatch.webp)![Nasdaq.com](https://cdns3.nerdwallet.com/lending/publication-logos/NASDAQ.webp)![The Associated Press](https://cdns3.nerdwallet.com/lending/publication-logos/TheAssociatedPress.webp)![The New York Times](https://cdns3.nerdwallet.com/lending/publication-logos/TheNewYorkTimes.webp) [NerdWallet is committed to editorial integrity.](https://www.nerdwallet.com/p/advertiser-disclosures#finance) ON THIS PAGE [Back to top ↑]() ON THIS PAGE ON THIS PAGE ╳ - [How to create a budget: step-by-step](https://www.nerdwallet.com/finance/learn/how-to-budget#how-to-create-a-budget-stepbystep) How to create a budget: step-by-step - [Step 1. Figure out your after-tax income](https://www.nerdwallet.com/finance/learn/how-to-budget#step-1-figure-out-your-aftertax-income) - [Step 2. Choose a budgeting system](https://www.nerdwallet.com/finance/learn/how-to-budget#step-2-choose-a-budgeting-system) - [Step 3. Track your progress](https://www.nerdwallet.com/finance/learn/how-to-budget#step-3-track-your-progress) - [Step 4. Automate your savings](https://www.nerdwallet.com/finance/learn/how-to-budget#step-4-automate-your-savings) - [Step 5. Practice budget management](https://www.nerdwallet.com/finance/learn/how-to-budget#step-5-practice-budget-management) - [Determine your budgeting priorities](https://www.nerdwallet.com/finance/learn/how-to-budget#determine-your-budgeting-priorities) - [Try a simple budgeting plan: 50/30/20](https://www.nerdwallet.com/finance/learn/how-to-budget#try-a-simple-budgeting-plan-503020) Try a simple budgeting plan: 50/30/20 - [Allow up to 50% of your income for needs](https://www.nerdwallet.com/finance/learn/how-to-budget#allow-up-to-50-of-your-income-for-needs) - [Leave 30% for wants](https://www.nerdwallet.com/finance/learn/how-to-budget#leave-30-for-wants) - [Commit 20% to savings and debt paydown](https://www.nerdwallet.com/finance/learn/how-to-budget#commit-20-to-savings-and-debt-paydown) - [Best way to budget](https://www.nerdwallet.com/finance/learn/how-to-budget#best-way-to-budget) Helpful Resources [8 Ways to Track Monthly Expenses](https://www.nerdwallet.com/finance/learn/tracking-monthly-expenses) [Free Budget Spreadsheets and Tools](https://www.nerdwallet.com/finance/learn/free-budget-spreadsheets-templates) [Game Apps That Pay Real Money: Truth, Not Hype](https://www.nerdwallet.com/finance/learn/game-apps-pay-real-money) [How to Pay Off Debt: Top Strategies for 2026](https://www.nerdwallet.com/personal-loans/learn/pay-off-debt) Related articles [![](https://www.nerdwallet.com/tachyon/2024/04/GettyImages-1158243057.jpg?resize=600%2C360) What Is a Budget? Definition and Tips ![Lauren Schwahn's profile picture](https://www.nerdwallet.com/tachyon/2019/08/lschwahn-user-avatar.jpg?resize=70%2C70) 2 By Lauren Schwahn, Amanda Barroso](https://www.nerdwallet.com/finance/learn/what-is-a-budget) [![](https://www.nerdwallet.com/tachyon/2019/12/GettyImages-892126344.jpg?resize=600%2C360) Needs vs. Wants: How to Budget for Both ![Lisa Mulka's profile picture](https://www.nerdwallet.com/tachyon/2023/10/Lisa.Mulka_.png?resize=70%2C70) By Lisa Mulka](https://www.nerdwallet.com/finance/learn/financial-needs-versus-wants) [![](https://www.nerdwallet.com/tachyon/2022/02/GettyImages-1285181776-nerdwallet-sinking-fund-savings.jpg?resize=600%2C360) Sinking Funds: The Secret to Stress-Free Expenses ![Amanda Barroso's profile picture](https://www.nerdwallet.com/tachyon/2025/03/Barroso_Amanda_882-MuckRack-Ona30327-retouched.jpg?resize=70%2C70) By Amanda Barroso](https://www.nerdwallet.com/finance/learn/nerdwallet-sinking-fund-savings) [![](https://www.nerdwallet.com/tachyon/2017/04/GettyImages-1303994305.jpg?resize=600%2C360) What Is My Net Income? ![Lisa Mulka's profile picture](https://www.nerdwallet.com/tachyon/2023/10/Lisa.Mulka_.png?resize=70%2C70) By Lisa Mulka](https://www.nerdwallet.com/finance/learn/take-home-income) ![NerdWallet Home Page](data:image/svg+xml;base64,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) Finance Smarter [Learn more about the app](https://www.nerdwallet.com/l/nerdwallet-app-track-your-wealth-and-build-your-future) Download the app [![Download on the App Store](data:image/svg+xml,%3Csvg%20height%3D%2240%22%20width%3D%22120%22%20viewBox%3D%220%200%20119.66407%2040%22%20xmlns%3D%22http%3A%2F%2Fwww.w3.org%2F2000%2Fsvg%22%20%3E%3Ctitle%3EDownload_on_the_App_Store_Badge_US-UK_RGB_blk_4SVG_092917%3C%2Ftitle%3E%3Cg%3E%3Cg%3E%3Cg%3E%3Cpath%20d%3D%22M110.13477%2C0H9.53468c-.3667%2C0-.729%2C0-1.09473.002-.30615.002-.60986.00781-.91895.0127A13.21476%2C13.21476%2C0%2C0%2C0%2C5.5171.19141a6.66509%2C6.66509%2C0%2C0%2C0-1.90088.627A6.43779%2C6.43779%2C0%2C0%2C0%2C1.99757%2C1.99707%2C6.25844%2C6.25844%2C0%2C0%2C0%2C.81935%2C3.61816a6.60119%2C6.60119%2C0%2C0%2C0-.625%2C1.90332%2C12.993%2C12.993%2C0%2C0%2C0-.1792%2C2.002C.00587%2C7.83008.00489%2C8.1377%2C0%2C8.44434V31.5586c.00489.3105.00587.6113.01515.9219a12.99232%2C12.99232%2C0%2C0%2C0%2C.1792%2C2.0019%2C6.58756%2C6.58756%2C0%2C0%2C0%2C.625%2C1.9043A6.20778%2C6.20778%2C0%2C0%2C0%2C1.99757%2C38.001a6.27445%2C6.27445%2C0%2C0%2C0%2C1.61865%2C1.1787%2C6.70082%2C6.70082%2C0%2C0%2C0%2C1.90088.6308%2C13.45514%2C13.45514%2C0%2C0%2C0%2C2.0039.1768c.30909.0068.6128.0107.91895.0107C8.80567%2C40%2C9.168%2C40%2C9.53468%2C40H110.13477c.3594%2C0%2C.7246%2C0%2C1.084-.002.3047%2C0%2C.6172-.0039.9219-.0107a13.279%2C13.279%2C0%2C0%2C0%2C2-.1768%2C6.80432%2C6.80432%2C0%2C0%2C0%2C1.9082-.6308%2C6.27742%2C6.27742%2C0%2C0%2C0%2C1.6172-1.1787%2C6.39482%2C6.39482%2C0%2C0%2C0%2C1.1816-1.6143%2C6.60413%2C6.60413%2C0%2C0%2C0%2C.6191-1.9043%2C13.50643%2C13.50643%2C0%2C0%2C0%2C.1856-2.0019c.0039-.3106.0039-.6114.0039-.9219.0078-.3633.0078-.7246.0078-1.0938V9.53613c0-.36621%2C0-.72949-.0078-1.09179%2C0-.30664%2C0-.61426-.0039-.9209a13.5071%2C13.5071%2C0%2C0%2C0-.1856-2.002%2C6.6177%2C6.6177%2C0%2C0%2C0-.6191-1.90332%2C6.46619%2C6.46619%2C0%2C0%2C0-2.7988-2.7998%2C6.76754%2C6.76754%2C0%2C0%2C0-1.9082-.627%2C13.04394%2C13.04394%2C0%2C0%2C0-2-.17676c-.3047-.00488-.6172-.01074-.9219-.01269-.3594-.002-.7246-.002-1.084-.002Z%22%20fill%3D%22%23a6a6a6%22%20%2F%3E%3Cpath%20d%3D%22M8.44483%2C39.125c-.30468%2C0-.602-.0039-.90429-.0107a12.68714%2C12.68714%2C0%2C0%2C1-1.86914-.1631%2C5.88381%2C5.88381%2C0%2C0%2C1-1.65674-.5479%2C5.40573%2C5.40573%2C0%2C0%2C1-1.397-1.0166%2C5.32082%2C5.32082%2C0%2C0%2C1-1.02051-1.3965%2C5.72186%2C5.72186%2C0%2C0%2C1-.543-1.6572%2C12.41351%2C12.41351%2C0%2C0%2C1-.1665-1.875c-.00634-.2109-.01464-.9131-.01464-.9131V8.44434S.88185%2C7.75293.8877%2C7.5498a12.37039%2C12.37039%2C0%2C0%2C1%2C.16553-1.87207%2C5.7555%2C5.7555%2C0%2C0%2C1%2C.54346-1.6621A5.37349%2C5.37349%2C0%2C0%2C1%2C2.61183%2C2.61768%2C5.56543%2C5.56543%2C0%2C0%2C1%2C4.01417%2C1.59521a5.82309%2C5.82309%2C0%2C0%2C1%2C1.65332-.54394A12.58589%2C12.58589%2C0%2C0%2C1%2C7.543.88721L8.44532.875H111.21387l.9131.0127a12.38493%2C12.38493%2C0%2C0%2C1%2C1.8584.16259%2C5.93833%2C5.93833%2C0%2C0%2C1%2C1.6709.54785%2C5.59374%2C5.59374%2C0%2C0%2C1%2C2.415%2C2.41993%2C5.76267%2C5.76267%2C0%2C0%2C1%2C.5352%2C1.64892%2C12.995%2C12.995%2C0%2C0%2C1%2C.1738%2C1.88721c.0029.2832.0029.5874.0029.89014.0079.375.0079.73193.0079%2C1.09179V30.4648c0%2C.3633%2C0%2C.7178-.0079%2C1.0752%2C0%2C.3252%2C0%2C.6231-.0039.9297a12.73126%2C12.73126%2C0%2C0%2C1-.1709%2C1.8535%2C5.739%2C5.739%2C0%2C0%2C1-.54%2C1.67%2C5.48029%2C5.48029%2C0%2C0%2C1-1.0156%2C1.3857%2C5.4129%2C5.4129%2C0%2C0%2C1-1.3994%2C1.0225%2C5.86168%2C5.86168%2C0%2C0%2C1-1.668.5498%2C12.54218%2C12.54218%2C0%2C0%2C1-1.8692.1631c-.2929.0068-.5996.0107-.8974.0107l-1.084.002Z%22%20%2F%3E%3C%2Fg%3E%3Cg%20id%3D%22_Group_%22%20data-name%3D%22%26lt%3BGroup%26gt%3B%22%3E%3Cg%20id%3D%22_Group_2%22%20data-name%3D%22%26lt%3BGroup%26gt%3B%22%3E%3Cg%20id%3D%22_Group_3%22%20data-name%3D%22%26lt%3BGroup%26gt%3B%22%3E%3Cpath%20id%3D%22_Path_%22%20data-name%3D%22%26lt%3BPath%26gt%3B%22%20d%3D%22M24.76888%2C20.30068a4.94881%2C4.94881%2C0%2C0%2C1%2C2.35656-4.15206%2C5.06566%2C5.06566%2C0%2C0%2C0-3.99116-2.15768c-1.67924-.17626-3.30719%2C1.00483-4.1629%2C1.00483-.87227%2C0-2.18977-.98733-3.6085-.95814a5.31529%2C5.31529%2C0%2C0%2C0-4.47292%2C2.72787c-1.934%2C3.34842-.49141%2C8.26947%2C1.3612%2C10.97608.9269%2C1.32535%2C2.01018%2C2.8058%2C3.42763%2C2.7533%2C1.38706-.05753%2C1.9051-.88448%2C3.5794-.88448%2C1.65876%2C0%2C2.14479.88448%2C3.591.8511%2C1.48838-.02416%2C2.42613-1.33124%2C3.32051-2.66914a10.962%2C10.962%2C0%2C0%2C0%2C1.51842-3.09251A4.78205%2C4.78205%2C0%2C0%2C1%2C24.76888%2C20.30068Z%22%20fill%3D%22%23fff%22%20%2F%3E%3Cpath%20id%3D%22_Path_2%22%20data-name%3D%22%26lt%3BPath%26gt%3B%22%20d%3D%22M22.03725%2C12.21089a4.87248%2C4.87248%2C0%2C0%2C0%2C1.11452-3.49062%2C4.95746%2C4.95746%2C0%2C0%2C0-3.20758%2C1.65961%2C4.63634%2C4.63634%2C0%2C0%2C0-1.14371%2C3.36139A4.09905%2C4.09905%2C0%2C0%2C0%2C22.03725%2C12.21089Z%22%20fill%3D%22%23fff%22%20%2F%3E%3C%2Fg%3E%3C%2Fg%3E%3Cg%3E%3Cpath%20d%3D%22M42.30227%2C27.13965h-4.7334l-1.13672%2C3.35645H34.42727l4.4834-12.418h2.083l4.4834%2C12.418H43.438ZM38.0591%2C25.59082h3.752l-1.84961-5.44727h-.05176Z%22%20fill%3D%22%23fff%22%20%2F%3E%3Cpath%20d%3D%22M55.15969%2C25.96973c0%2C2.81348-1.50586%2C4.62109-3.77832%2C4.62109a3.0693%2C3.0693%2C0%2C0%2C1-2.84863-1.584h-.043v4.48438h-1.8584V21.44238H48.4302v1.50586h.03418a3.21162%2C3.21162%2C0%2C0%2C1%2C2.88281-1.60059C53.645%2C21.34766%2C55.15969%2C23.16406%2C55.15969%2C25.96973Zm-1.91016%2C0c0-1.833-.94727-3.03809-2.39258-3.03809-1.41992%2C0-2.375%2C1.23047-2.375%2C3.03809%2C0%2C1.82422.95508%2C3.0459%2C2.375%2C3.0459C52.30227%2C29.01563%2C53.24953%2C27.81934%2C53.24953%2C25.96973Z%22%20fill%3D%22%23fff%22%20%2F%3E%3Cpath%20d%3D%22M65.12453%2C25.96973c0%2C2.81348-1.50586%2C4.62109-3.77832%2C4.62109a3.0693%2C3.0693%2C0%2C0%2C1-2.84863-1.584h-.043v4.48438h-1.8584V21.44238H58.395v1.50586h.03418A3.21162%2C3.21162%2C0%2C0%2C1%2C61.312%2C21.34766C63.60988%2C21.34766%2C65.12453%2C23.16406%2C65.12453%2C25.96973Zm-1.91016%2C0c0-1.833-.94727-3.03809-2.39258-3.03809-1.41992%2C0-2.375%2C1.23047-2.375%2C3.03809%2C0%2C1.82422.95508%2C3.0459%2C2.375%2C3.0459C62.26711%2C29.01563%2C63.21438%2C27.81934%2C63.21438%2C25.96973Z%22%20fill%3D%22%23fff%22%20%2F%3E%3Cpath%20d%3D%22M71.71047%2C27.03613c.1377%2C1.23145%2C1.334%2C2.04%2C2.96875%2C2.04%2C1.56641%2C0%2C2.69336-.80859%2C2.69336-1.91895%2C0-.96387-.67969-1.541-2.28906-1.93652l-1.60937-.3877c-2.28027-.55078-3.33887-1.61719-3.33887-3.34766%2C0-2.14258%2C1.86719-3.61426%2C4.51855-3.61426%2C2.624%2C0%2C4.42285%2C1.47168%2C4.4834%2C3.61426h-1.876c-.1123-1.23926-1.13672-1.9873-2.63379-1.9873s-2.52148.75684-2.52148%2C1.8584c0%2C.87793.6543%2C1.39453%2C2.25488%2C1.79l1.36816.33594c2.54785.60254%2C3.60645%2C1.626%2C3.60645%2C3.44238%2C0%2C2.32324-1.85059%2C3.77832-4.79395%2C3.77832-2.75391%2C0-4.61328-1.4209-4.7334-3.667Z%22%20fill%3D%22%23fff%22%20%2F%3E%3Cpath%20d%3D%22M83.34621%2C19.2998v2.14258h1.72168v1.47168H83.34621v4.99121c0%2C.77539.34473%2C1.13672%2C1.10156%2C1.13672a5.80752%2C5.80752%2C0%2C0%2C0%2C.61133-.043v1.46289a5.10351%2C5.10351%2C0%2C0%2C1-1.03223.08594c-1.833%2C0-2.54785-.68848-2.54785-2.44434V22.91406H80.16262V21.44238H81.479V19.2998Z%22%20fill%3D%22%23fff%22%20%2F%3E%3Cpath%20d%3D%22M86.065%2C25.96973c0-2.84863%2C1.67773-4.63867%2C4.29395-4.63867%2C2.625%2C0%2C4.29492%2C1.79%2C4.29492%2C4.63867%2C0%2C2.85645-1.66113%2C4.63867-4.29492%2C4.63867C87.72609%2C30.6084%2C86.065%2C28.82617%2C86.065%2C25.96973Zm6.69531%2C0c0-1.9541-.89551-3.10742-2.40137-3.10742s-2.40039%2C1.16211-2.40039%2C3.10742c0%2C1.96191.89453%2C3.10645%2C2.40039%2C3.10645S92.76027%2C27.93164%2C92.76027%2C25.96973Z%22%20fill%3D%22%23fff%22%20%2F%3E%3Cpath%20d%3D%22M96.18606%2C21.44238h1.77246v1.541h.043a2.1594%2C2.1594%2C0%2C0%2C1%2C2.17773-1.63574%2C2.86616%2C2.86616%2C0%2C0%2C1%2C.63672.06934v1.73828a2.59794%2C2.59794%2C0%2C0%2C0-.835-.1123%2C1.87264%2C1.87264%2C0%2C0%2C0-1.93652%2C2.083v5.37012h-1.8584Z%22%20fill%3D%22%23fff%22%20%2F%3E%3Cpath%20d%3D%22M109.3843%2C27.83691c-.25%2C1.64355-1.85059%2C2.77148-3.89844%2C2.77148-2.63379%2C0-4.26855-1.76465-4.26855-4.5957%2C0-2.83984%2C1.64355-4.68164%2C4.19043-4.68164%2C2.50488%2C0%2C4.08008%2C1.7207%2C4.08008%2C4.46582v.63672h-6.39453v.1123a2.358%2C2.358%2C0%2C0%2C0%2C2.43555%2C2.56445%2C2.04834%2C2.04834%2C0%2C0%2C0%2C2.09082-1.27344Zm-6.28223-2.70215h4.52637a2.1773%2C2.1773%2C0%2C0%2C0-2.2207-2.29785A2.292%2C2.292%2C0%2C0%2C0%2C103.10207%2C25.13477Z%22%20fill%3D%22%23fff%22%20%2F%3E%3C%2Fg%3E%3C%2Fg%3E%3C%2Fg%3E%3Cg%20id%3D%22_Group_4%22%20data-name%3D%22%26lt%3BGroup%26gt%3B%22%3E%3Cg%3E%3Cpath%20d%3D%22M37.82619%2C8.731a2.63964%2C2.63964%2C0%2C0%2C1%2C2.80762%2C2.96484c0%2C1.90625-1.03027%2C3.002-2.80762%2C3.002H35.67092V8.731Zm-1.22852%2C5.123h1.125a1.87588%2C1.87588%2C0%2C0%2C0%2C1.96777-2.146%2C1.881%2C1.881%2C0%2C0%2C0-1.96777-2.13379h-1.125Z%22%20fill%3D%22%23fff%22%20%2F%3E%3Cpath%20d%3D%22M41.68068%2C12.44434a2.13323%2C2.13323%2C0%2C1%2C1%2C4.24707%2C0%2C2.13358%2C2.13358%2C0%2C1%2C1-4.24707%2C0Zm3.333%2C0c0-.97607-.43848-1.54687-1.208-1.54687-.77246%2C0-1.207.5708-1.207%2C1.54688%2C0%2C.98389.43457%2C1.55029%2C1.207%2C1.55029C44.57522%2C13.99463%2C45.01369%2C13.42432%2C45.01369%2C12.44434Z%22%20fill%3D%22%23fff%22%20%2F%3E%3Cpath%20d%3D%22M51.57326%2C14.69775h-.92187l-.93066-3.31641h-.07031l-.92676%2C3.31641h-.91309l-1.24121-4.50293h.90137l.80664%2C3.436h.06641l.92578-3.436h.85254l.92578%2C3.436h.07031l.80273-3.436h.88867Z%22%20fill%3D%22%23fff%22%20%2F%3E%3Cpath%20d%3D%22M53.85354%2C10.19482H54.709v.71533h.06641a1.348%2C1.348%2C0%2C0%2C1%2C1.34375-.80225%2C1.46456%2C1.46456%2C0%2C0%2C1%2C1.55859%2C1.6748v2.915h-.88867V12.00586c0-.72363-.31445-1.0835-.97168-1.0835a1.03294%2C1.03294%2C0%2C0%2C0-1.0752%2C1.14111v2.63428h-.88867Z%22%20fill%3D%22%23fff%22%20%2F%3E%3Cpath%20d%3D%22M59.09377%2C8.437h.88867v6.26074h-.88867Z%22%20fill%3D%22%23fff%22%20%2F%3E%3Cpath%20d%3D%22M61.21779%2C12.44434a2.13346%2C2.13346%2C0%2C1%2C1%2C4.24756%2C0%2C2.1338%2C2.1338%2C0%2C1%2C1-4.24756%2C0Zm3.333%2C0c0-.97607-.43848-1.54687-1.208-1.54687-.77246%2C0-1.207.5708-1.207%2C1.54688%2C0%2C.98389.43457%2C1.55029%2C1.207%2C1.55029C64.11232%2C13.99463%2C64.5508%2C13.42432%2C64.5508%2C12.44434Z%22%20fill%3D%22%23fff%22%20%2F%3E%3Cpath%20d%3D%22M66.4009%2C13.42432c0-.81055.60352-1.27783%2C1.6748-1.34424l1.21973-.07031v-.38867c0-.47559-.31445-.74414-.92187-.74414-.49609%2C0-.83984.18213-.93848.50049h-.86035c.09082-.77344.81836-1.26953%2C1.83984-1.26953%2C1.12891%2C0%2C1.76563.562%2C1.76563%2C1.51318v3.07666h-.85547v-.63281h-.07031a1.515%2C1.515%2C0%2C0%2C1-1.35254.707A1.36026%2C1.36026%2C0%2C0%2C1%2C66.4009%2C13.42432Zm2.89453-.38477v-.37646l-1.09961.07031c-.62012.0415-.90137.25244-.90137.64941%2C0%2C.40527.35156.64111.835.64111A1.0615%2C1.0615%2C0%2C0%2C0%2C69.29543%2C13.03955Z%22%20fill%3D%22%23fff%22%20%2F%3E%3Cpath%20d%3D%22M71.34816%2C12.44434c0-1.42285.73145-2.32422%2C1.86914-2.32422a1.484%2C1.484%2C0%2C0%2C1%2C1.38086.79h.06641V8.437h.88867v6.26074h-.85156v-.71143h-.07031a1.56284%2C1.56284%2C0%2C0%2C1-1.41406.78564C72.0718%2C14.772%2C71.34816%2C13.87061%2C71.34816%2C12.44434Zm.918%2C0c0%2C.95508.4502%2C1.52979%2C1.20313%2C1.52979.749%2C0%2C1.21191-.583%2C1.21191-1.52588%2C0-.93848-.46777-1.52979-1.21191-1.52979C72.72121%2C10.91846%2C72.26613%2C11.49707%2C72.26613%2C12.44434Z%22%20fill%3D%22%23fff%22%20%2F%3E%3Cpath%20d%3D%22M79.23%2C12.44434a2.13323%2C2.13323%2C0%2C1%2C1%2C4.24707%2C0%2C2.13358%2C2.13358%2C0%2C1%2C1-4.24707%2C0Zm3.333%2C0c0-.97607-.43848-1.54687-1.208-1.54687-.77246%2C0-1.207.5708-1.207%2C1.54688%2C0%2C.98389.43457%2C1.55029%2C1.207%2C1.55029C82.12453%2C13.99463%2C82.563%2C13.42432%2C82.563%2C12.44434Z%22%20fill%3D%22%23fff%22%20%2F%3E%3Cpath%20d%3D%22M84.66945%2C10.19482h.85547v.71533h.06641a1.348%2C1.348%2C0%2C0%2C1%2C1.34375-.80225%2C1.46456%2C1.46456%2C0%2C0%2C1%2C1.55859%2C1.6748v2.915H87.605V12.00586c0-.72363-.31445-1.0835-.97168-1.0835a1.03294%2C1.03294%2C0%2C0%2C0-1.0752%2C1.14111v2.63428h-.88867Z%22%20fill%3D%22%23fff%22%20%2F%3E%3Cpath%20d%3D%22M93.51516%2C9.07373v1.1416h.97559v.74854h-.97559V13.2793c0%2C.47168.19434.67822.63672.67822a2.96657%2C2.96657%2C0%2C0%2C0%2C.33887-.02051v.74023a2.9155%2C2.9155%2C0%2C0%2C1-.4834.04541c-.98828%2C0-1.38184-.34766-1.38184-1.21582v-2.543h-.71484v-.74854h.71484V9.07373Z%22%20fill%3D%22%23fff%22%20%2F%3E%3Cpath%20d%3D%22M95.70461%2C8.437h.88086v2.48145h.07031a1.3856%2C1.3856%2C0%2C0%2C1%2C1.373-.80664%2C1.48339%2C1.48339%2C0%2C0%2C1%2C1.55078%2C1.67871v2.90723H98.69v-2.688c0-.71924-.335-1.0835-.96289-1.0835a1.05194%2C1.05194%2C0%2C0%2C0-1.13379%2C1.1416v2.62988h-.88867Z%22%20fill%3D%22%23fff%22%20%2F%3E%3Cpath%20d%3D%22M104.76125%2C13.48193a1.828%2C1.828%2C0%2C0%2C1-1.95117%2C1.30273A2.04531%2C2.04531%2C0%2C0%2C1%2C100.73%2C12.46045a2.07685%2C2.07685%2C0%2C0%2C1%2C2.07617-2.35254c1.25293%2C0%2C2.00879.856%2C2.00879%2C2.27V12.688h-3.17969v.0498a1.1902%2C1.1902%2C0%2C0%2C0%2C1.19922%2C1.29%2C1.07934%2C1.07934%2C0%2C0%2C0%2C1.07129-.5459Zm-3.126-1.45117h2.27441a1.08647%2C1.08647%2C0%2C0%2C0-1.1084-1.1665A1.15162%2C1.15162%2C0%2C0%2C0%2C101.63527%2C12.03076Z%22%20fill%3D%22%23fff%22%20%2F%3E%3C%2Fg%3E%3C%2Fg%3E%3C%2Fg%3E%3C%2Fsvg%3E)](https://nerdwallet.onelink.me/3687710914/87a0b5b3) 4\.8 121,000+ reviews [![Get it on Google Play](data:image/svg+xml,%3Csvg%20xmlns%3D%22http%3A%2F%2Fwww.w3.org%2F2000%2Fsvg%22%20height%3D%2240%22%20width%3D%22130%22%20x%3D%220px%22%20y%3D%220px%22%20viewBox%3D%220%200%205435.8%201604%22%20%3E%3Cpath%20fill-rule%3D%22evenodd%22%20clip-rule%3D%22evenodd%22%20d%3D%22M5234.4%2C1604h-5033C90.4%2C1604%2C0%2C1513.6%2C0%2C1403.5v-1203C0%2C90%2C90.4%2C0%2C201.4%2C0h5033c110.9%2C0%2C201.4%2C90%2C201.4%2C200.5%20v1203C5435.8%2C1513.6%2C5345.3%2C1604%2C5234.4%2C1604z%22%2F%3E%3Cpath%20fill%3D%22%23A6A6A6%22%20fill-rule%3D%22evenodd%22%20clip-rule%3D%22evenodd%22%20d%3D%22M5234.4%2C32.1c93.1%2C0%2C169.3%2C75.7%2C169.3%2C168.4v1203c0%2C92.7-75.7%2C168.4-169.3%2C168.4h-5033%20c-93.1%2C0-169.3-75.7-169.3-168.4v-1203c0-92.7%2C75.7-168.4%2C169.3-168.4C201.4%2C32.1%2C5234.4%2C32.1%2C5234.4%2C32.1z%20M5234.4%2C0h-5033%20C90.4%2C0%2C0%2C90.4%2C0%2C200.5v1203C0%2C1514%2C90.4%2C1604%2C201.4%2C1604h5033c110.9%2C0%2C201.4-90%2C201.4-200.5v-1203C5435.8%2C90.4%2C5345.3%2C0%2C5234.4%2C0z%22%2F%3E%3Cpath%20fill%3D%22%23FFFFFF%22%20d%3D%22M2863.6%2C530.6c-36.3%2C0-66.9-12.7-91.1-37.7c-24-24.3-37.4-57.8-36.8-92c0-36.5%2C12.4-67.4%2C36.8-91.9%20c24.1-25%2C54.7-37.7%2C91-37.7c35.9%2C0%2C66.5%2C12.7%2C91.1%2C37.7c24.4%2C25.3%2C36.8%2C56.2%2C36.8%2C91.9c-0.4%2C36.6-12.8%2C67.5-36.8%2C91.9%20C2930.5%2C518%2C2899.9%2C530.6%2C2863.6%2C530.6z%20M1783.5%2C530.6c-35.5%2C0-66.3-12.5-91.5-37.2c-25-24.6-37.7-55.7-37.7-92.4%20s12.7-67.8%2C37.7-92.4c24.7-24.7%2C55.5-37.2%2C91.5-37.2c17.6%2C0%2C34.7%2C3.5%2C51.1%2C10.6c16.1%2C6.9%2C29.2%2C16.3%2C38.9%2C27.8l2.4%2C2.9l-27.1%2C26.6%20l-2.8-3.3c-15.3-18.2-35.8-27.1-62.9-27.1c-24.2%2C0-45.3%2C8.6-62.7%2C25.6c-17.5%2C17.1-26.4%2C39.5-26.4%2C66.6s8.9%2C49.5%2C26.4%2C66.6%20c17.4%2C17%2C38.5%2C25.6%2C62.7%2C25.6c25.8%2C0%2C47.5-8.6%2C64.4-25.6c10-10%2C16.2-24%2C18.4-41.7h-86.9v-37.4h124.2l0.5%2C3.4%20c0.9%2C6.3%2C1.8%2C12.8%2C1.8%2C18.8c0%2C34.5-10.4%2C62.4-31%2C83C1851.1%2C518.2%2C1820.5%2C530.6%2C1783.5%2C530.6z%20M3219.6%2C525.3h-38.3L3064%2C337.6l1%2C33.8%20v153.8h-38.3V276.7h43.7l1.2%2C1.9l110.3%2C176.8l-1-33.7V276.7h38.7V525.3z%20M2575.8%2C525.3H2537V314.1h-67.3v-37.4H2643v37.4h-67.3%20V525.3z%20M2438.1%2C525.3h-38.7V276.7h38.7V525.3z%20M2220.6%2C525.3h-38.7V314.1h-67.3v-37.4h173.3v37.4h-67.3V525.3z%20M2090.1%2C524.9%20h-148.4V276.7h148.4v37.4h-109.6v68.2h98.9v37h-98.9v68.2h109.6V524.9z%20M2800.9%2C467.2c17.3%2C17.3%2C38.3%2C26%2C62.7%2C26%20c25.1%2C0%2C45.6-8.5%2C62.7-26c17-17%2C25.6-39.3%2C25.6-66.2s-8.6-49.3-25.5-66.2c-17.3-17.3-38.4-26-62.7-26c-25.1%2C0-45.6%2C8.5-62.6%2C26%20c-17%2C17-25.6%2C39.3-25.6%2C66.2S2784%2C450.3%2C2800.9%2C467.2L2800.9%2C467.2z%22%2F%3E%3Cpath%20fill%3D%22%23FFFFFF%22%20fill-rule%3D%22evenodd%22%20clip-rule%3D%22evenodd%22%20d%3D%22M2732.1%2C872.4c-94.5%2C0-171.1%2C71.7-171.1%2C170.6c0%2C98%2C77.1%2C170.6%2C171.1%2C170.6c94.5%2C0%2C171.1-72.2%2C171.1-170.6%20C2903.2%2C944.1%2C2826.6%2C872.4%2C2732.1%2C872.4z%20M2732.1%2C1146c-51.7%2C0-96.2-42.8-96.2-103.4c0-61.5%2C44.6-103.4%2C96.2-103.4%20c51.7%2C0%2C96.2%2C41.9%2C96.2%2C103.4C2828.4%2C1103.6%2C2783.8%2C1146%2C2732.1%2C1146z%20M2358.8%2C872.4c-94.5%2C0-171.1%2C71.7-171.1%2C170.6%20c0%2C98%2C77.1%2C170.6%2C171.1%2C170.6c94.5%2C0%2C171.1-72.2%2C171.1-170.6C2529.9%2C944.1%2C2453.2%2C872.4%2C2358.8%2C872.4z%20M2358.8%2C1146%20c-51.7%2C0-96.2-42.8-96.2-103.4c0-61.5%2C44.6-103.4%2C96.2-103.4c51.7%2C0%2C96.2%2C41.9%2C96.2%2C103.4C2455%2C1103.6%2C2410.5%2C1146%2C2358.8%2C1146z%20M1914.6%2C924.5v72.2h173.3c-5.3%2C40.5-18.7%2C70.4-39.2%2C90.9c-25.4%2C25.4-64.6%2C53-133.7%2C53c-106.5%2C0-189.8-86-189.8-192.5%20s83.3-192.5%2C189.8-192.5c57.5%2C0%2C99.4%2C22.7%2C130.5%2C51.7l51.2-51.2c-43.2-41.4-100.7-73.1-181.3-73.1c-146.1%2C0-268.7%2C119-268.7%2C264.7%20c0%2C146.1%2C122.5%2C264.7%2C268.7%2C264.7c78.9%2C0%2C138.1-25.8%2C184.9-74.4c47.7-47.7%2C62.8-115%2C62.8-169.3c0-16.9-1.3-32.1-4-45h-244.6%20C1914.6%2C923.6%2C1914.6%2C924.5%2C1914.6%2C924.5z%20M3731.5%2C980.7c-14.3-38.3-57.5-108.7-146.1-108.7c-87.8%2C0-160.8%2C69.1-160.8%2C170.6%20c0%2C95.8%2C72.2%2C170.6%2C169.3%2C170.6c78%2C0%2C123.4-47.7%2C142.1-75.7l-57.9-38.8c-19.2%2C28.5-45.9%2C47.2-83.8%2C47.2c-38.3%2C0-65.1-17.4-82.9-51.7%20l228.1-94.5C3739.5%2C999.8%2C3731.5%2C980.7%2C3731.5%2C980.7z%20M3498.9%2C1037.7c-1.8-65.9%2C51.2-99.4%2C89.1-99.4c29.9%2C0%2C54.8%2C14.7%2C63.3%2C36.1%20L3498.9%2C1037.7z%20M3313.6%2C1203h74.9V701.8h-74.9V1203z%20M3190.6%2C910.3h-2.7c-16.9-20.1-49-38.3-90-38.3%20c-85.1%2C0-163.5%2C74.9-163.5%2C171.1c0%2C95.8%2C78%2C169.8%2C163.5%2C169.8c40.5%2C0%2C73.1-18.3%2C90-38.8h2.7v24.5c0%2C65.1-34.8%2C100.2-90.9%2C100.2%20c-45.9%2C0-74.4-33-86-60.6l-65.1%2C27.2c18.7%2C45%2C68.6%2C100.7%2C151%2C100.7c87.8%2C0%2C162.2-51.7%2C162.2-177.8V882.2h-70.8v28.1%20C3191.1%2C910.3%2C3190.6%2C910.3%2C3190.6%2C910.3z%20M3104.6%2C1146c-51.7%2C0-94.9-43.2-94.9-102.9c0-60.2%2C43.2-103.8%2C94.9-103.8%20c51.2%2C0%2C90.9%2C44.1%2C90.9%2C103.8C3196%2C1102.8%2C3155.9%2C1146%2C3104.6%2C1146z%20M4082.2%2C701.8h-179.1V1203h74.9v-189.8h104.3%20c82.9%2C0%2C164.4-60.1%2C164.4-155.5S4165.5%2C701.8%2C4082.2%2C701.8z%20M4084.4%2C943.2h-106.5v-172h106.5c56.1%2C0%2C87.8%2C46.3%2C87.8%2C86%20C4172.2%2C896.5%2C4140.1%2C943.2%2C4084.4%2C943.2z%20M4546.9%2C871.5c-54.4%2C0-110.5%2C24.1-133.7%2C76.6l66.4%2C27.6c14.3-27.6%2C40.5-37%2C68.2-37%20c38.8%2C0%2C78%2C23.2%2C78.9%2C64.6v5.3c-13.4-7.6-42.8-19.2-78-19.2c-71.7%2C0-144.4%2C39.2-144.4%2C112.7c0%2C67.3%2C58.8%2C110.5%2C124.3%2C110.5%20c50.3%2C0%2C78-22.7%2C95.3-49h2.7v38.8h72.2v-192C4698.8%2C921%2C4632.4%2C871.5%2C4546.9%2C871.5z%20M4537.5%2C1146c-24.5%2C0-58.8-12-58.8-42.8%20c0-38.8%2C42.8-53.5%2C79.3-53.5c33%2C0%2C48.6%2C7.1%2C68.2%2C16.9C4620.8%2C1111.6%2C4582.8%2C1145.6%2C4537.5%2C1146z%20M4962.2%2C882.2l-86%2C217.4h-2.7%20l-89.1-217.4h-80.6l133.7%2C303.9l-76.2%2C168.9h78L5045%2C882.2C5045%2C882.2%2C4962.2%2C882.2%2C4962.2%2C882.2z%20M4288%2C1203h74.9V701.8H4288V1203z%20%22%2F%3E%3ClinearGradient%20id%3D%22SVGID_1_%22%20gradientUnits%3D%22userSpaceOnUse%22%20x1%3D%221682.1077%22%20y1%3D%221339.4783%22%20x2%3D%221624.2924%22%20y2%3D%221309.6345%22%20gradientTransform%3D%22matrix$11.64%200%200%20-22.55%20-18705.5957%2030554.3691$%22%3E%3Cstop%20offset%3D%220%22%20style%3D%22stop-color%3A%2300A0FF%22%2F%3E%3Cstop%20offset%3D%226.569999e-03%22%20style%3D%22stop-color%3A%2300A1FF%22%2F%3E%3Cstop%20offset%3D%220.2601%22%20style%3D%22stop-color%3A%2300BEFF%22%2F%3E%3Cstop%20offset%3D%220.5122%22%20style%3D%22stop-color%3A%2300D2FF%22%2F%3E%3Cstop%20offset%3D%220.7604%22%20style%3D%22stop-color%3A%2300DFFF%22%2F%3E%3Cstop%20offset%3D%221%22%20style%3D%22stop-color%3A%2300E3FF%22%2F%3E%3C%2FlinearGradient%3E%3Cpath%20fill-rule%3D%22evenodd%22%20clip-rule%3D%22evenodd%22%20fill%3D%22url$%23SVGID_1_$%22%20d%3D%22M418.4%2C302.1c-11.6%2C12.5-18.3%2C31.6-18.3%2C56.6v886.7c0%2C25%2C6.7%2C44.1%2C18.7%2C56.1l3.1%2C2.7l496.8-496.8v-11.1%20L421.5%2C299.4C421.5%2C299.4%2C418.4%2C302.1%2C418.4%2C302.1z%22%2F%3E%3ClinearGradient%20id%3D%22SVGID_2_%22%20gradientUnits%3D%22userSpaceOnUse%22%20x1%3D%221712.6624%22%20y1%3D%221274.8376%22%20x2%3D%221606.5613%22%20y2%3D%221274.8376%22%20gradientTransform%3D%22matrix$9.145%200%200%20-7.7%20-14305.5381%2010618.251$%22%3E%3Cstop%20offset%3D%220%22%20style%3D%22stop-color%3A%23FFE000%22%2F%3E%3Cstop%20offset%3D%220.4087%22%20style%3D%22stop-color%3A%23FFBD00%22%2F%3E%3Cstop%20offset%3D%220.7754%22%20style%3D%22stop-color%3A%23FFA500%22%2F%3E%3Cstop%20offset%3D%221%22%20style%3D%22stop-color%3A%23FF9C00%22%2F%3E%3C%2FlinearGradient%3E%3Cpath%20fill-rule%3D%22evenodd%22%20clip-rule%3D%22evenodd%22%20fill%3D%22url$%23SVGID_2_$%22%20d%3D%22M1084%2C973.5L918.3%2C807.8v-11.6L1084%2C630.5l3.6%2C2.2l196%2C111.4c56.1%2C31.6%2C56.1%2C83.8%2C0%2C115.8l-196%2C111.4%20C1087.6%2C971.3%2C1084%2C973.5%2C1084%2C973.5z%22%2F%3E%3ClinearGradient%20id%3D%22SVGID_3_%22%20gradientUnits%3D%22userSpaceOnUse%22%20x1%3D%221707.4414%22%20y1%3D%221290.0475%22%20x2%3D%221646.682%22%20y2%3D%221211.2225%22%20gradientTransform%3D%22matrix$15.02%200%200%20-11.5775%20-24650.2285%2015829.6484$%22%3E%3Cstop%20offset%3D%220%22%20style%3D%22stop-color%3A%23FF3A44%22%2F%3E%3Cstop%20offset%3D%221%22%20style%3D%22stop-color%3A%23C31162%22%2F%3E%3C%2FlinearGradient%3E%3Cpath%20fill%3D%22url$%23SVGID_3_$%22%20fill-rule%3D%22evenodd%22%20clip-rule%3D%22evenodd%22%20d%3D%22M1087.6%2C971.3L918.3%2C802l-499.9%2C499.9c18.3%2C19.6%2C49%2C21.8%2C83.3%2C2.7L1087.6%2C971.3%22%2F%3E%3ClinearGradient%20id%3D%22SVGID_4_%22%20gradientUnits%3D%22userSpaceOnUse%22%20x1%3D%221660.6357%22%20y1%3D%221365.6676%22%20x2%3D%221687.767%22%20y2%3D%221330.4501%22%20gradientTransform%3D%22matrix$15.02%200%200%20-11.5715%20-24650.2285%2015809.9922$%22%3E%3Cstop%20offset%3D%220%22%20style%3D%22stop-color%3A%2332A071%22%2F%3E%3Cstop%20offset%3D%226.850000e-02%22%20style%3D%22stop-color%3A%232DA771%22%2F%3E%3Cstop%20offset%3D%220.4762%22%20style%3D%22stop-color%3A%2315CF74%22%2F%3E%3Cstop%20offset%3D%220.8009%22%20style%3D%22stop-color%3A%2306E775%22%2F%3E%3Cstop%20offset%3D%221%22%20style%3D%22stop-color%3A%2300F076%22%2F%3E%3C%2FlinearGradient%3E%3Cpath%20fill%3D%22url$%23SVGID_4_$%22%20fill-rule%3D%22evenodd%22%20enable-background%3D%22new%22%20clip-rule%3D%22evenodd%22%20d%3D%22M1087.6%2C632.7L501.7%2C299.9c-34.3-19.6-65.1-16.9-83.3%2C2.7L918.3%2C802L1087.6%2C632.7z%22%2F%3E%3Cpath%20fill-rule%3D%22evenodd%22%20clip-rule%3D%22evenodd%22%20opacity%3D%220.2%22%20d%3D%22M1084%2C967.7l-581.9%2C330.6c-32.5%2C18.7-61.5%2C17.4-80.2%2C0.4l-3.1%2C3.1l3.1%2C2.7c18.7%2C16.9%2C47.7%2C18.3%2C80.2-0.4%20L1088%2C971.3C1088%2C971.3%2C1084%2C967.7%2C1084%2C967.7z%22%2F%3E%3Cpath%20fill-rule%3D%22evenodd%22%20clip-rule%3D%22evenodd%22%20opacity%3D%220.12%22%20enable-background%3D%22new%22%20d%3D%22M1283.6%2C854.1l-200.1%2C113.6l3.6%2C3.6l196-111.4c28.1-16%2C41.9-37%2C41.9-57.9C1323.3%2C821.2%2C1309%2C839.4%2C1283.6%2C854.1%20z%22%2F%3E%3Cpath%20fill-rule%3D%22evenodd%22%20clip-rule%3D%22evenodd%22%20opacity%3D%220.25%22%20enable-background%3D%22new%22%20d%3D%22M501.7%2C305.7l781.9%2C444.2c25.4%2C14.3%2C39.7%2C33%2C41.9%2C52.1c0-20.9-13.8-41.9-41.9-57.9L501.7%2C299.9%20c-56.1-32.1-101.6-5.3-101.6%2C58.8v5.8C400.1%2C300.3%2C445.6%2C274%2C501.7%2C305.7z%22%2F%3E%3C%2Fsvg%3E)](https://nerdwallet.onelink.me/3687710914/233a7a41) 4\.3 31,200+ reviews ![QR code for downloading the app](data:image/png;base64,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) About [Company](https://www.nerdwallet.com/company)[Leadership](https://www.nerdwallet.com/leadership)[Careers](https://www.nerdwallet.com/careers)[Corporate impact](https://www.nerdwallet.com/corporate-impact)[Diversity & Inclusion](https://www.nerdwallet.com/diversity-inclusion)[Editorial guidelines](https://www.nerdwallet.com/l/nerdwallet-editorial-guidelines)[Star rating methodologies](https://www.nerdwallet.com/l/rating-methodologies)[Editorial team](https://www.nerdwallet.com/l/nerdwallet-editorial-team)[Press](https://www.nerdwallet.com/press)[Press kit](https://www.nerdwallet.com/kit)[Investors](https://investors.nerdwallet.com/) Help [Help center](https://support.nerdwallet.com/hc/en-us)[Security FAQs](https://www.nerdwallet.com/l/security) Legal [Terms of use](https://www.nerdwallet.com/p/terms-of-use)[Supplier Code of Conduct](https://www.nerdwallet.com/p/supplier-code-of-conduct)[Privacy policy](https://www.nerdwallet.com/p/privacy-policy)[California privacy policy](https://www.nerdwallet.com/p/nerdwallet-california-privacy-policy)[Privacy preferences](https://www.nerdwallet.com/p/privacy-policy)[Do not sell or share my personal information](https://privacyportal.onetrust.com/webform/694a76f6-1f82-455e-b46e-ffeed902c3fa/db85134f-a11a-451c-a462-3f2f39a662bc) Disclaimer: NerdWallet strives to keep its information accurate and up to date. This information may be different than what you see when you visit a financial institution, service provider or specific product's site. All financial products, shopping products and services are presented without warranty. When evaluating offers, please review the financial institution's Terms and Conditions. Pre-qualified offers are not binding. If you find discrepancies with your credit score or information from your credit report, please contact TransUnion® directly. NerdWallet Compare, Inc. NMLS ID\# 1617539[NMLS Consumer Access](https://www.nmlsconsumeraccess.org/EntityDetails.aspx/COMPANY/1617539) \\|[Licenses and Disclosures](https://www.nerdwallet.com/p/nerdwallet-compare-inc-licenses-and-disclosures) California: California Finance Lender loans arranged pursuant to Department of Financial Protection and Innovation Finance Lenders License \#60DBO-74812 Insurance Services offered through NerdWallet Insurance Services, Inc. (CA resident license no.OK92033) [Insurance Licenses](https://www.nerdwallet.com/nerdwallet-insurance-services-inc-licenses-and-disclosures) Fundera, Inc. NMLS ID\# 1240038[NMLS Consumer Access](https://nmlsconsumeraccess.org/) California: California Finance Lender loans arranged pursuant to the Department of Financial Protection and Innovation Finance Lenders License \#603L288 NerdWallet has engaged Atomic Invest LLC (“Atomic”), an SEC-registered investment adviser, to bring you the opportunity to open investment advisory accounts (Automated Investing Account and/or Treasury Account) with Atomic. NerdWallet receives compensation of 0% to 0.85% of assets under management annualized, payable monthly, for each referred client who opens an Atomic account and a percentage of free cash interest earned by clients, which creates a conflict of interest. Brokerage services for Atomic are provided by Atomic Brokerage LLC ("Atomic Brokerage"), member of [FINRA](https://www.finra.org/#/)/[SIPC](https://www.sipc.org/) and an affiliate of Atomic, which creates a conflict of interest. See details about Atomic, in their [Form CRS](https://reports.adviserinfo.sec.gov/crs/crs_313255.pdf), [Form ADV Part 2A](https://adviserinfo.sec.gov/firm/brochure/313255) and [Privacy Policy](https://legal.atomicvest.com/usa.privacy.de3d0277-78f7-4741-9e9f-755f6b4f03ba.pdf). See details about Atomic Brokerage in their [Form CRS](https://files.brokercheck.finra.org/crs_315263.pdf), [General Disclosures](https://legal.atomicvest.com/usa.broker.disclosures.003464f3-f6bd-41c3-bbdf-7050e50b43a2.pdf), [fee schedule](https://legal.atomicvest.com/usa.broker.schedule.7ea28665-88a9-4542-a748-987e90ea46b6.pdf), and FINRA’s [BrokerCheck](https://brokercheck.finra.org/). You also can open a Cash Account offered by Atomic Brokerage which allows you to earn interest on your cash through a cash sweep program. [View Important Cash Account Disclosures.](https://www.atomicvest.com/legal/disclosures/7d9c31dd-bf97-46ae-9803-1774b97187af) Neither Atomic Invest nor Atomic Brokerage, nor any of their affiliates is a bank. Investments in securities: Not FDIC Insured, Not Bank Guaranteed, May Lose Value. Investing involves risk, including the possible loss of principal. Before investing, consider your investment objectives and the fees and expenses charged. Images are for illustrative purposes only. NerdWallet™ \\| 4150 N Drinkwater Blvd, Suite 200, Scottsdale, AZ 85251 [![US](data:image/svg+xml,%3Csvg%20xmlns%3D%22http%3A%2F%2Fwww.w3.org%2F2000%2Fsvg%22%20width%3D%2224%22%20height%3D%2224%22%20viewBox%3D%220%200%2024%2024%22%20fill%3D%22none%22%3E%3Cg%20clipPath%3D%22url$%23clipUS$%22%3E%3Cpath%20d%3D%22M22.81%204H1.42004V18.58H22.81V4Z%22%20stroke%3D%22currentColor%22%20strokeMiterlimit%3D%2210%22%20strokeLinejoin%3D%22round%22%20%2F%3E%3Cpath%20d%3D%22M22.81%204H1.42004V5.12H22.81V4Z%22%20fill%3D%22currentColor%22%20%2F%3E%3Cpath%20d%3D%22M22.81%206.24H1.42004V7.36H22.81V6.24Z%22%20fill%3D%22currentColor%22%20%2F%3E%3Cpath%20d%3D%22M22.81%208.48H1.42004V9.6H22.81V8.48Z%22%20fill%3D%22currentColor%22%20%2F%3E%3Cpath%20d%3D%22M22.81%2010.73H1.42004V11.85H22.81V10.73Z%22%20fill%3D%22currentColor%22%20%2F%3E%3Cpath%20d%3D%22M22.81%2012.97H1.42004V14.09H22.81V12.97Z%22%20fill%3D%22currentColor%22%20%2F%3E%3Cpath%20d%3D%22M22.81%2015.21H1.42004V16.33H22.81V15.21Z%22%20fill%3D%22currentColor%22%20%2F%3E%3Cpath%20d%3D%22M22.81%2017.46H1.42004V18.58H22.81V17.46Z%22%20fill%3D%22currentColor%22%20%2F%3E%3Cpath%20d%3D%22M9.97004%204H1.42004V11.85H9.97004V4Z%22%20fill%3D%22currentColor%22%20%2F%3E%3Cpath%20d%3D%22M1.82007%204.63L2.02007%204.83L1.94007%205.14L2.15007%204.95L2.35007%205.14L2.27007%204.83L2.48007%204.63H2.22007L2.15007%204.32L2.07007%204.63H1.82007Z%22%20fill%3D%22white%22%20%2F%3E%3Cpath%20d%3D%22M3.23999%204.63L3.43999%204.83L3.35999%205.14L3.56999%204.95L3.76999%205.14L3.68999%204.83L3.88999%204.63H3.63999L3.56999%204.32L3.48999%204.63H3.23999Z%22%20fill%3D%22white%22%20%2F%3E%3Cpath%20d%3D%22M4.65002%204.63L4.86002%204.83L4.78002%205.14L4.98002%204.95L5.19002%205.14L5.11002%204.83L5.31002%204.63H5.06002L4.98002%204.32L4.91002%204.63H4.65002Z%22%20fill%3D%22white%22%20%2F%3E%3Cpath%20d%3D%22M6.07007%204.63L6.28007%204.83L6.20007%205.14L6.40007%204.95L6.61007%205.14L6.53007%204.83L6.73007%204.63H6.48007L6.40007%204.32L6.32007%204.63H6.07007Z%22%20fill%3D%22white%22%20%2F%3E%3Cpath%20d%3D%22M7.48999%204.63L7.68999%204.83L7.61999%205.14L7.81999%204.95L8.01999%205.14L7.94999%204.83L8.14999%204.63H7.89999L7.81999%204.32L7.73999%204.63H7.48999Z%22%20fill%3D%22white%22%20%2F%3E%3Cpath%20d%3D%22M8.91003%204.63L9.11003%204.83L9.03003%205.14L9.24003%204.95L9.44003%205.14L9.36003%204.83L9.57003%204.63H9.32003L9.24003%204.32L9.16003%204.63H8.91003Z%22%20fill%3D%22white%22%20%2F%3E%3Cpath%20d%3D%22M2.53003%205.42L2.73003%205.61L2.65003%205.92L2.86003%205.73L3.06003%205.92L2.98003%205.61L3.19003%205.42H2.93003L2.86003%205.11L2.78003%205.42H2.53003Z%22%20fill%3D%22white%22%20%2F%3E%3Cpath%20d%3D%22M3.94006%205.42L4.15006%205.61L4.07006%205.92L4.27006%205.73L4.48006%205.92L4.40006%205.61L4.60006%205.42H4.35006L4.27006%205.11L4.20006%205.42H3.94006Z%22%20fill%3D%22white%22%20%2F%3E%3Cpath%20d%3D%22M5.35999%205.42L5.56999%205.61L5.48998%205.92L5.68999%205.73L5.89999%205.92L5.81999%205.61L6.01999%205.42H5.76999L5.68999%205.11L5.60999%205.42H5.35999Z%22%20fill%3D%22white%22%20%2F%3E%3Cpath%20d%3D%22M6.78003%205.42L6.98003%205.61L6.91003%205.92L7.11003%205.73L7.31003%205.92L7.24003%205.61L7.44003%205.42H7.19003L7.11003%205.11L7.03003%205.42H6.78003Z%22%20fill%3D%22white%22%20%2F%3E%3Cpath%20d%3D%22M8.20007%205.42L8.40007%205.61L8.32007%205.92L8.53007%205.73L8.73007%205.92L8.65007%205.61L8.86007%205.42H8.61007L8.53007%205.11L8.45007%205.42H8.20007Z%22%20fill%3D%22white%22%20%2F%3E%3Cpath%20d%3D%22M1.82007%206.21L2.02007%206.4L1.94007%206.71L2.15007%206.52L2.35007%206.71L2.27007%206.4L2.48007%206.21H2.22007L2.15007%205.9L2.07007%206.21H1.82007Z%22%20fill%3D%22white%22%20%2F%3E%3Cpath%20d%3D%22M3.23999%206.21L3.43999%206.4L3.35999%206.71L3.56999%206.52L3.76999%206.71L3.68999%206.4L3.88999%206.21H3.63999L3.56999%205.9L3.48999%206.21H3.23999Z%22%20fill%3D%22white%22%20%2F%3E%3Cpath%20d%3D%22M4.65002%206.21L4.86002%206.4L4.78002%206.71L4.98002%206.52L5.19002%206.71L5.11002%206.4L5.31002%206.21H5.06002L4.98002%205.9L4.91002%206.21H4.65002Z%22%20fill%3D%22white%22%20%2F%3E%3Cpath%20d%3D%22M6.07007%206.21L6.28007%206.4L6.20007%206.71L6.40007%206.52L6.61007%206.71L6.53007%206.4L6.73007%206.21H6.48007L6.40007%205.9L6.32007%206.21H6.07007Z%22%20fill%3D%22white%22%20%2F%3E%3Cpath%20d%3D%22M7.48999%206.21L7.68999%206.4L7.61999%206.71L7.81999%206.52L8.01999%206.71L7.94999%206.4L8.14999%206.21H7.89999L7.81999%205.9L7.73999%206.21H7.48999Z%22%20fill%3D%22white%22%20%2F%3E%3Cpath%20d%3D%22M8.91003%206.21L9.11003%206.4L9.03003%206.71L9.24003%206.52L9.44003%206.71L9.36003%206.4L9.57003%206.21H9.32003L9.24003%205.9L9.16003%206.21H8.91003Z%22%20fill%3D%22white%22%20%2F%3E%3Cpath%20d%3D%22M2.54004%207L2.75004%207.19L2.67004%207.5L2.87004%207.31L3.08004%207.5L3.00004%207.19L3.20004%207H2.95004L2.87004%206.69L2.80004%207H2.54004Z%22%20fill%3D%22white%22%20%2F%3E%3Cpath%20d%3D%22M3.96008%207L4.17008%207.19L4.09008%207.5L4.29008%207.31L4.50008%207.5L4.42008%207.19L4.62008%207H4.37008L4.29008%206.69L4.21008%207H3.96008Z%22%20fill%3D%22white%22%20%2F%3E%3Cpath%20d%3D%22M5.38%207L5.58%207.19L5.51%207.5L5.71%207.31L5.91%207.5L5.84%207.19L6.04%207H5.79L5.71%206.69L5.63%207H5.38Z%22%20fill%3D%22white%22%20%2F%3E%3Cpath%20d%3D%22M6.80005%207L7.00005%207.19L6.92005%207.5L7.13005%207.31L7.33005%207.5L7.25005%207.19L7.46005%207H7.21005L7.13005%206.69L7.05005%207H6.80005Z%22%20fill%3D%22white%22%20%2F%3E%3Cpath%20d%3D%22M8.22009%207L8.42009%207.19L8.34009%207.5L8.55009%207.31L8.75009%207.5L8.67009%207.19L8.88009%207H8.62009L8.55009%206.69L8.47009%207H8.22009Z%22%20fill%3D%22white%22%20%2F%3E%3Cpath%20d%3D%22M1.84009%207.78L2.04009%207.97L1.96009%208.28L2.17009%208.09L2.37009%208.28L2.29009%207.97L2.50009%207.78H2.25009L2.17009%207.47L2.09009%207.78H1.84009Z%22%20fill%3D%22white%22%20%2F%3E%3Cpath%20d%3D%22M3.26001%207.78L3.46001%207.97L3.38001%208.28L3.59001%208.09L3.79001%208.28L3.71001%207.97L3.92001%207.78H3.66001L3.59001%207.47L3.51001%207.78H3.26001Z%22%20fill%3D%22white%22%20%2F%3E%3Cpath%20d%3D%22M4.68005%207.78L4.88005%207.97L4.80005%208.28L5.00005%208.09L5.21005%208.28L5.13005%207.97L5.33005%207.78H5.08005L5.00005%207.47L4.93005%207.78H4.68005Z%22%20fill%3D%22white%22%20%2F%3E%3Cpath%20d%3D%22M6.09009%207.78L6.30009%207.97L6.22009%208.28L6.42009%208.09L6.63009%208.28L6.55009%207.97L6.75009%207.78H6.50009L6.42009%207.47L6.35009%207.78H6.09009Z%22%20fill%3D%22white%22%20%2F%3E%3Cpath%20d%3D%22M7.51001%207.78L7.72001%207.97L7.64001%208.28L7.84001%208.09L8.04001%208.28L7.97001%207.97L8.17001%207.78H7.92001L7.84001%207.47L7.76001%207.78H7.51001Z%22%20fill%3D%22white%22%20%2F%3E%3Cpath%20d%3D%22M8.93005%207.78L9.13005%207.97L9.06005%208.28L9.26005%208.09L9.46005%208.28L9.39005%207.97L9.59005%207.78H9.34005L9.26005%207.47L9.18005%207.78H8.93005Z%22%20fill%3D%22white%22%20%2F%3E%3Cpath%20d%3D%22M1.8501%209.33L2.0601%209.52L1.9801%209.83L2.1801%209.64L2.3901%209.83L2.3101%209.52L2.5101%209.33H2.2601L2.1801%209.02L2.1001%209.33H1.8501Z%22%20fill%3D%22white%22%20%2F%3E%3Cpath%20d%3D%22M3.27002%209.33L3.47002%209.52L3.40002%209.83L3.60002%209.64L3.80002%209.83L3.73002%209.52L3.93002%209.33H3.68002L3.60002%209.02L3.52002%209.33H3.27002Z%22%20fill%3D%22white%22%20%2F%3E%3Cpath%20d%3D%22M4.69006%209.33L4.89006%209.52L4.81006%209.83L5.02006%209.64L5.22006%209.83L5.14006%209.52L5.35006%209.33H5.10006L5.02006%209.02L4.94006%209.33H4.69006Z%22%20fill%3D%22white%22%20%2F%3E%3Cpath%20d%3D%22M6.10999%209.33L6.30999%209.52L6.22999%209.83L6.43999%209.64L6.63999%209.83L6.55999%209.52L6.76999%209.33H6.50999L6.43999%209.02L6.35999%209.33H6.10999Z%22%20fill%3D%22white%22%20%2F%3E%3Cpath%20d%3D%22M7.52002%209.33L7.73002%209.52L7.65002%209.83L7.85002%209.64L8.06002%209.83L7.98002%209.52L8.18002%209.33H7.93002L7.85002%209.02L7.78002%209.33H7.52002Z%22%20fill%3D%22white%22%20%2F%3E%3Cpath%20d%3D%22M8.94006%209.33L9.15006%209.52L9.07006%209.83L9.27006%209.64L9.48006%209.83L9.40006%209.52L9.60006%209.33H9.35006L9.27006%209.02L9.19006%209.33H8.94006Z%22%20fill%3D%22white%22%20%2F%3E%3Cpath%20d%3D%22M1.83008%2010.9L2.04008%2011.09L1.96008%2011.4L2.16008%2011.21L2.37008%2011.4L2.29008%2011.09L2.49008%2010.9H2.24008L2.16008%2010.59L2.09008%2010.9H1.83008Z%22%20fill%3D%22white%22%20%2F%3E%3Cpath%20d%3D%22M3.25%2010.9L3.46%2011.09L3.38%2011.4L3.58%2011.21L3.79%2011.4L3.71%2011.09L3.91%2010.9H3.66L3.58%2010.59L3.5%2010.9H3.25Z%22%20fill%3D%22white%22%20%2F%3E%3Cpath%20d%3D%22M4.67004%2010.9L4.87004%2011.09L4.80004%2011.4L5.00004%2011.21L5.20004%2011.4L5.13004%2011.09L5.33004%2010.9H5.08004L5.00004%2010.59L4.92004%2010.9H4.67004Z%22%20fill%3D%22white%22%20%2F%3E%3Cpath%20d%3D%22M6.09009%2010.9L6.29009%2011.09L6.22009%2011.4L6.42009%2011.21L6.62009%2011.4L6.54009%2011.09L6.75009%2010.9H6.50009L6.42009%2010.59L6.34009%2010.9H6.09009Z%22%20fill%3D%22white%22%20%2F%3E%3Cpath%20d%3D%22M7.51001%2010.9L7.71001%2011.09L7.63001%2011.4L7.84001%2011.21L8.04001%2011.4L7.96001%2011.09L8.17001%2010.9H7.91001L7.84001%2010.59L7.76001%2010.9H7.51001Z%22%20fill%3D%22white%22%20%2F%3E%3Cpath%20d%3D%22M8.93005%2010.9L9.13005%2011.09L9.05005%2011.4L9.26005%2011.21L9.46005%2011.4L9.38005%2011.09L9.59005%2010.9H9.33005L9.26005%2010.59L9.18005%2010.9H8.93005Z%22%20fill%3D%22white%22%20%2F%3E%3Cpath%20d%3D%22M2.55005%208.55L2.75005%208.74L2.67005%209.05L2.88005%208.86L3.08005%209.05L3.00005%208.74L3.21005%208.55H2.96005L2.88005%208.24L2.80005%208.55H2.55005Z%22%20fill%3D%22white%22%20%2F%3E%3Cpath%20d%3D%22M3.97009%208.55L4.17009%208.74L4.09009%209.05L4.30009%208.86L4.50009%209.05L4.42009%208.74L4.63009%208.55H4.37009L4.30009%208.24L4.22009%208.55H3.97009Z%22%20fill%3D%22white%22%20%2F%3E%3Cpath%20d%3D%22M5.38%208.55L5.59%208.74L5.51%209.05L5.71%208.86L5.92%209.05L5.84%208.74L6.04%208.55H5.79L5.71%208.24L5.64%208.55H5.38Z%22%20fill%3D%22white%22%20%2F%3E%3Cpath%20d%3D%22M6.80005%208.55L7.01005%208.74L6.93005%209.05L7.13005%208.86L7.34005%209.05L7.26005%208.74L7.46005%208.55H7.21005L7.13005%208.24L7.05005%208.55H6.80005Z%22%20fill%3D%22white%22%20%2F%3E%3Cpath%20d%3D%22M8.22009%208.55L8.42009%208.74L8.35009%209.05L8.55009%208.86L8.75009%209.05L8.68009%208.74L8.88009%208.55H8.63009L8.55009%208.24L8.47009%208.55H8.22009Z%22%20fill%3D%22white%22%20%2F%3E%3Cpath%20d%3D%22M2.54004%2010.11L2.75004%2010.3L2.67004%2010.62L2.87004%2010.42L3.08004%2010.62L3.00004%2010.3L3.20004%2010.11H2.95004L2.87004%209.8L2.80004%2010.11H2.54004Z%22%20fill%3D%22white%22%20%2F%3E%3Cpath%20d%3D%22M3.96008%2010.11L4.17008%2010.3L4.09008%2010.62L4.29008%2010.42L4.50008%2010.62L4.42008%2010.3L4.62008%2010.11H4.37008L4.29008%209.8L4.21008%2010.11H3.96008Z%22%20fill%3D%22white%22%20%2F%3E%3Cpath%20d%3D%22M5.38%2010.11L5.58%2010.3L5.51%2010.62L5.71%2010.42L5.91%2010.62L5.84%2010.3L6.04%2010.11H5.79L5.71%209.8L5.63%2010.11H5.38Z%22%20fill%3D%22white%22%20%2F%3E%3Cpath%20d%3D%22M6.80005%2010.11L7.00005%2010.3L6.92005%2010.62L7.13005%2010.42L7.33005%2010.62L7.25005%2010.3L7.46005%2010.11H7.21005L7.13005%209.8L7.05005%2010.11H6.80005Z%22%20fill%3D%22white%22%20%2F%3E%3Cpath%20d%3D%22M8.22009%2010.11L8.42009%2010.3L8.34009%2010.62L8.55009%2010.42L8.75009%2010.62L8.67009%2010.3L8.88009%2010.11H8.62009L8.55009%209.8L8.47009%2010.11H8.22009Z%22%20fill%3D%22white%22%20%2F%3E%3C%2Fg%3E%3Cdefs%3E%3CclipPath%20id%3D%22clipUS%22%3E%3Crect%20width%3D%2224%22%20height%3D%2224%22%20fill%3D%22white%22%20%2F%3E%3C%2FclipPath%3E%3C%2Fdefs%3E%3C%2Fsvg%3E)NerdWallet USA](https://www.nerdwallet.com/) \\| [![CA](data:image/svg+xml,%3Csvg%20xmlns%3D%22http%3A%2F%2Fwww.w3.org%2F2000%2Fsvg%22%20width%3D%2224%22%20height%3D%2224%22%20viewBox%3D%220%200%2024%2024%22%20fill%3D%22none%22%20style%3D%22transform%3AtranslateY$3px$%22%3E%3Cg%20clip-path%3D%27url$%23clipCA$%27%3E%3Cpath%20d%3D%22M22.81%201H1.42V15.58H22.81V1Z%22%20stroke%3D%22currentColor%22%20strokeMiterlimit%3D%2210%22%20strokeLinejoin%3D%22round%22%20%2F%3E%3Cpath%20d%3D%22M14.7425%2010.5472C14.7961%2010.4936%2017%208.56438%2017%208.56438L16.6245%208.40343C16.4099%208.29828%2016.4657%208.15665%2016.5172%208.03004C16.5687%207.86695%2016.9485%206.58584%2016.9485%206.58584C16.9485%206.58584%2015.9249%206.80043%2015.7103%206.85408C15.5494%206.90558%2015.4957%206.80043%2015.4421%206.69313C15.3884%206.58584%2015.1202%205.99785%2015.1202%205.99785C15.1202%205.99785%2013.9914%207.28326%2013.9378%207.33476C13.7232%207.49571%2013.5064%207.33476%2013.5601%207.12017C13.5601%206.90558%2014.1524%204.33906%2014.1524%204.33906C14.1524%204.33906%2013.5064%204.71245%2013.2918%204.81974C13.1309%204.92704%2013.0215%204.92704%2012.9142%204.71245C12.8047%204.5515%2011.9979%203%2011.9979%203C11.9979%203%2011.1931%204.5515%2011.0858%204.71245C10.9785%204.92704%2010.8712%204.92704%2010.7082%204.81974C10.4936%204.71245%209.84764%204.33906%209.84764%204.33906C9.84764%204.33906%2010.4399%206.90558%2010.4399%207.12017C10.4936%207.33476%2010.279%207.49571%2010.0622%207.33476C10.0086%207.28112%208.87983%205.99785%208.87983%205.99785C8.87983%205.99785%208.61159%206.58369%208.55794%206.69099C8.50429%206.79828%208.45064%206.90343%208.2897%206.85193C8.07296%206.79828%207.0515%206.58369%207.0515%206.58369C7.0515%206.58369%207.42918%207.86481%207.48283%208.0279C7.53433%208.15665%207.59013%208.29614%207.37554%208.40129L7%208.56438C7%208.56438%209.20172%2010.4936%209.25751%2010.5472C9.36695%2010.6545%209.4721%2010.7082%209.36695%2011.03C9.25751%2011.3519%209.15021%2011.7833%209.15021%2011.7833C9.15021%2011.7833%2011.1931%2011.3519%2011.4099%2011.2983C11.5966%2011.279%2011.8026%2011.3519%2011.8026%2011.5665C11.8026%2011.7811%2011.6781%2013.9871%2011.6781%2013.9871H12.3219C12.3219%2013.9871%2012.1974%2011.7833%2012.1974%2011.5665C12.1974%2011.3498%2012.4013%2011.279%2012.5923%2011.2983C12.8069%2011.3519%2014.8498%2011.7833%2014.8498%2011.7833C14.8498%2011.7833%2014.7425%2011.3519%2014.6352%2011.03C14.5279%2010.7082%2014.6352%2010.6545%2014.7425%2010.5472Z%22%20fill%3D%22currentColor%22%20%2F%3E%3Crect%20x%3D%221%22%20y%3D%221%22%20width%3D%225%22%20height%3D%2215%22%20fill%3D%22currentColor%22%20%2F%3E%3Crect%20x%3D%2218%22%20y%3D%221%22%20width%3D%225%22%20height%3D%2215%22%20fill%3D%22currentColor%22%20%2F%3E%3C%2Fg%3E%3Cdefs%3E%3CclipPath%20id%3D%27clipCA%27%3E%3Crect%20width%3D%2228%22%20height%3D%2220%22%20fill%3D%22currentColor%22%20%2F%3E%3C%2FclipPath%3E%3C%2Fdefs%3E%3C%2Fsvg%3E)NerdWallet CA](https://www.nerdwallet.com/ca) © 2026 NerdWallet, Inc. All Rights Reserved. [![X](data:image/svg+xml;base64,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)](https://twitter.com/NerdWallet)[![YouTube](data:image/svg+xml,%3Csvg%20xmlns%3D%22http%3A%2F%2Fwww.w3.org%2F2000%2Fsvg%22%20width%3D%2230%22%20height%3D%2230%22%20viewBox%3D%220%200%2030%2030%22%20fill%3D%22none%22%3E%3Cpath%20fill-rule%3D%22evenodd%22%20clip-rule%3D%22evenodd%22%20d%3D%22M4%200C1.79089%200%200%201.79102%200%204V26C0%2028.209%201.79089%2030%204%2030H26C28.2091%2030%2030%2028.209%2030%2026V4C30%201.79102%2028.2091%200%2026%200H4ZM24.9664%208.99023C25.031%209.12842%2025.0836%209.27246%2025.1234%209.4209C25.5618%2011.0591%2025.5618%2014.481%2025.5618%2014.481C25.5618%2014.481%2025.5618%2017.9028%2025.1234%2019.5415C24.8821%2020.4458%2024.1719%2021.1587%2023.2672%2021.3999C21.6289%2021.8403%2015.0618%2021.8403%2015.0618%2021.8403C15.0618%2021.8403%208.49451%2021.8403%206.8562%2021.3999C5.95386%2021.1587%205.24146%2020.4458%205%2019.5415C4.56177%2017.9028%204.56177%2014.481%204.56177%2014.481C4.56177%2014.481%204.56177%2011.0591%205%209.41846C5.11914%208.97314%205.35339%208.56689%205.6792%208.24072C6.005%207.91455%206.41101%207.67969%206.8562%207.56006C8.49451%207.12158%2015.0618%207.12158%2015.0618%207.12158C15.0618%207.12158%2021.6289%207.12158%2023.2672%207.5625C23.7123%207.68262%2024.1179%207.91748%2024.4437%208.24365C24.6609%208.46094%2024.8374%208.71387%2024.9664%208.99023ZM18.4133%2014.4575L12.9758%2011.3403V17.6216L18.4133%2014.4575Z%22%20fill%3D%22black%22%20%2F%3E%3C%2Fsvg%3E)](https://www.youtube.com/@nerdwallet)[![Instagram](data:image/svg+xml,%3Csvg%20xmlns%3D%22http%3A%2F%2Fwww.w3.org%2F2000%2Fsvg%22%20width%3D%2230%22%20height%3D%2230%22%20viewBox%3D%220%200%2030%2030%22%20fill%3D%22none%22%3E%3Crect%20width%3D%2230%22%20height%3D%2230%22%20rx%3D%224%22%20fill%3D%22black%22%20%2F%3E%3Cpath%20fillRule%3D%22evenodd%22%20clipRule%3D%22evenodd%22%20d%3D%22M11.2902%206.0543C12.2501%206.01036%2012.5566%206%2015.0007%206L14.9993%206.00143C17.4434%206.00143%2017.7514%206.01215%2018.7091%206.05573C19.6668%206.09931%2020.322%206.25149%2020.8935%206.47368C21.4943%206.7%2022.0384%207.0545%2022.4882%207.5125C22.9459%207.96206%2023.3%208.50601%2023.526%209.10645C23.7485%209.67802%2023.9003%2010.3296%2023.9443%2011.2895C23.9882%2012.2493%2023.9986%2012.5558%2023.9986%2015C23.9986%2017.4442%2023.9879%2017.7528%2023.9443%2018.7105C23.9007%2019.6683%2023.7485%2020.3234%2023.526%2020.895C23.0587%2022.1043%2022.1028%2023.0602%2020.8935%2023.5274C20.322%2023.7499%2019.6704%2023.9018%2018.7105%2023.9457C17.7507%2023.9896%2017.4442%2024%2015%2024C12.5558%2024%2012.2472%2023.9893%2011.2895%2023.9457C10.3317%2023.9021%209.67659%2023.7499%209.10503%2023.5274C8.50427%2023.3013%207.96006%2022.9469%207.51036%2022.4889C7.0527%2022.0393%206.69845%2021.4954%206.47226%2020.895C6.25006%2020.3234%206.09824%2019.6711%206.0543%2018.7112C6.01036%2017.7514%206%2017.4449%206%2015.0007C6%2012.5566%206.01072%2012.2486%206.0543%2011.2909C6.09788%2010.3332%206.25006%209.67802%206.47226%209.10645C6.69836%208.50581%207.05261%207.96164%207.51036%207.51179C7.96021%207.05404%208.50438%206.69979%209.10503%206.47368C9.67659%206.25149%2010.3303%206.09824%2011.2902%206.0543ZM18.6359%207.67541C17.6867%207.63219%2017.4024%207.6229%2014.9993%207.6229L15.0007%207.62147C12.5977%207.62147%2012.3133%207.63076%2011.3641%207.67398C10.4868%207.71399%2010.0103%207.86046%209.69304%207.9837C9.30167%208.1278%208.94765%208.35792%208.65708%208.65708C8.35792%208.94765%208.1278%209.30167%207.9837%209.69304C7.86046%2010.0103%207.71399%2010.4868%207.67398%2011.3641C7.63076%2012.3133%207.62147%2012.5977%207.62147%2015.0007C7.62147%2017.4038%207.63076%2017.6882%207.67398%2018.6373C7.71399%2019.5147%207.86046%2019.9912%207.9837%2020.3084C8.1278%2020.6998%208.35792%2021.0538%208.65708%2021.3444C8.94765%2021.6435%209.30167%2021.8737%209.69304%2022.0178C10.0103%2022.141%2010.4868%2022.2875%2011.3641%2022.3275C12.3129%2022.3707%2012.5977%2022.38%2015.0007%2022.38C17.4038%2022.38%2017.6885%2022.3707%2018.6373%2022.3275C19.5147%2022.2875%2019.9912%2022.141%2020.3084%2022.0178C21.093%2021.7147%2021.7133%2021.0945%2022.0163%2020.3099C22.1396%2019.9926%2022.286%2019.5161%2022.326%2018.6387C22.3693%2017.6896%2022.3786%2017.4052%2022.3786%2015.0022C22.3786%2012.5991%2022.3693%2012.3147%2022.326%2011.3656C22.286%2010.4882%2022.1396%2010.0117%2022.0163%209.69447C21.8722%209.3031%2021.6421%208.94908%2021.343%208.6585C21.0524%208.35935%2020.6984%208.12923%2020.307%207.98513C19.9898%207.86189%2019.5132%207.71542%2018.6359%207.67541Z%22%20fill%3D%22%23FFF7EA%22%20%2F%3E%3Cpath%20fillRule%3D%22evenodd%22%20clipRule%3D%22evenodd%22%20d%3D%22M10.3782%2015.0007C10.3782%2012.4486%2012.4471%2010.3796%2014.9993%2010.3796C16.2249%2010.3795%2017.4003%2010.8664%2018.267%2011.733C19.1336%2012.5997%2019.6205%2013.7751%2019.6204%2015.0007C19.6204%2017.5529%2017.5514%2019.6218%2014.9993%2019.6218C12.4471%2019.6218%2010.3782%2017.5529%2010.3782%2015.0007ZM11.9985%2015.0008C11.9985%2016.658%2013.342%2018.0015%2014.9992%2018.0015C15.7951%2018.0015%2016.5583%2017.6853%2017.1211%2017.1226C17.6838%2016.5598%2018%2015.7966%2018%2015.0008C18%2013.3435%2016.6565%2012.0001%2014.9992%2012.0001C13.342%2012.0001%2011.9985%2013.3435%2011.9985%2015.0008Z%22%20fill%3D%22%23FFF7EA%22%20%2F%3E%3Cpath%20fillRule%3D%22evenodd%22%20clipRule%3D%22evenodd%22%20d%3D%22M19.8033%2011.2766C20.3997%2011.2766%2020.8832%2010.7931%2020.8832%2010.1967C20.8832%209.60031%2020.3997%209.11682%2019.8033%209.11682C19.2069%209.11682%2018.7234%209.60031%2018.7234%2010.1967C18.7234%2010.7931%2019.2069%2011.2766%2019.8033%2011.2766Z%22%20fill%3D%22%23FFF7EA%22%20%2F%3E%3C%2Fsvg%3E)](https://www.instagram.com/NerdWallet/)[![Apple Podcasts](data:image/svg+xml,%3Csvg%20width%3D%2230%22%20height%3D%2230%22%20viewBox%3D%220%200%2030%2030%22%20fill%3D%22none%22%20xmlns%3D%22http%3A%2F%2Fwww.w3.org%2F2000%2Fsvg%22%3E%3Cg%20clip-path%3D%22url$%23clip0_20079_6302$%22%3E%3Cpath%20d%3D%22M25.9209%200.108887H4.08039C1.88726%200.108887%200.109375%201.88677%200.109375%204.0799V25.9205C0.109375%2028.1136%201.88726%2029.8915%204.08039%2029.8915H25.9209C28.1141%2029.8915%2029.892%2028.1136%2029.892%2025.9205V4.0799C29.892%201.88677%2028.1141%200.108887%2025.9209%200.108887Z%22%20fill%3D%22black%22%2F%3E%3Cpath%20d%3D%22M15%2019.5C16.1931%2019.4988%2017.337%2019.0243%2018.1806%2018.1806C19.0243%2017.337%2019.4988%2016.1931%2019.5%2015V9C19.5%207.80653%2019.0259%206.66193%2018.182%205.81802C17.3381%204.97411%2016.1935%204.5%2015%204.5C13.8065%204.5%2012.6619%204.97411%2011.818%205.81802C10.9741%206.66193%2010.5%207.80653%2010.5%209V15C10.5012%2016.1931%2010.9757%2017.337%2011.8194%2018.1806C12.663%2019.0243%2013.8069%2019.4988%2015%2019.5ZM12%209C12%208.20435%2012.3161%207.44129%2012.8787%206.87868C13.4413%206.31607%2014.2044%206%2015%206C15.7957%206%2016.5587%206.31607%2017.1213%206.87868C17.6839%207.44129%2018%208.20435%2018%209V15C18%2015.7957%2017.6839%2016.5587%2017.1213%2017.1213C16.5587%2017.6839%2015.7957%2018%2015%2018C14.2044%2018%2013.4413%2017.6839%2012.8787%2017.1213C12.3161%2016.5587%2012%2015.7957%2012%2015V9ZM15.75%2022.4625V24.75C15.75%2024.9489%2015.671%2025.1397%2015.5303%2025.2803C15.3897%2025.421%2015.1989%2025.5%2015%2025.5C14.8011%2025.5%2014.6103%2025.421%2014.4697%2025.2803C14.329%2025.1397%2014.25%2024.9489%2014.25%2024.75V22.4625C12.4009%2022.2743%2010.6873%2021.4072%209.44048%2020.0288C8.19368%2018.6504%207.50228%2016.8586%207.5%2015C7.5%2014.8011%207.57902%2014.6103%207.71967%2014.4697C7.86032%2014.329%208.05109%2014.25%208.25%2014.25C8.44891%2014.25%208.63968%2014.329%208.78033%2014.4697C8.92098%2014.6103%209%2014.8011%209%2015C9%2016.5913%209.63214%2018.1174%2010.7574%2019.2426C11.8826%2020.3679%2013.4087%2021%2015%2021C16.5913%2021%2018.1174%2020.3679%2019.2426%2019.2426C20.3679%2018.1174%2021%2016.5913%2021%2015C21%2014.8011%2021.079%2014.6103%2021.2197%2014.4697C21.3603%2014.329%2021.5511%2014.25%2021.75%2014.25C21.9489%2014.25%2022.1397%2014.329%2022.2803%2014.4697C22.421%2014.6103%2022.5%2014.8011%2022.5%2015C22.4977%2016.8586%2021.8063%2018.6504%2020.5595%2020.0288C19.3127%2021.4072%2017.5991%2022.2743%2015.75%2022.4625Z%22%20fill%3D%22white%22%2F%3E%3C%2Fg%3E%3Cdefs%3E%3CclipPath%20id%3D%22clip0_20079_6302%22%3E%3Crect%20width%3D%2230%22%20height%3D%2230%22%20fill%3D%22white%22%2F%3E%3C%2FclipPath%3E%3C%2Fdefs%3E%3C%2Fsvg%3E)](https://play.megaphone.fm/xcr_lszorm-uiidw0pl5eq)[![TikTok](data:image/svg+xml;base64,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)](https://www.tiktok.com/@nerdwallet?lang=en) ![](https://bat.bing.com/action/0?ti=5000528&Ver=2)
Readable Markdown	SOME CARD INFO MAY BE OUTDATED This page includes information about these cards, currently unavailable on NerdWallet. The information has been collected by NerdWallet and has not been provided or reviewed by the card issuer. A budget is a plan for how you use your money. No matter how much you earn or how often you get paid, a budget helps you stay on top of your bills, savings and other money goals. It can give you more control and less stress. To budget money, follow the five steps below. Step 1. Figure out your after-tax income If you get a regular paycheck, the amount you bring home is your after-tax income. This is also called your [net income](https://www.nerdwallet.com/finance/learn/take-home-income) or take-home pay. If money is taken out of your paycheck for things like a 401(k) or insurance, add that back in when making your budget. That way, you'll see your full income. If you have other types of money coming in — such as from side gigs — subtract anything that reduces that income, such as taxes and business expenses. » Stay informed: - Check out NerdWallet's [news hub](https://www.nerdwallet.com/news) for all the latest. Step 2. Choose a budgeting system A budgeting system is a plan for how to use your money. Everyone has different habits, personality types and approaches to managing money, and there are systems that can fit your lifestyle. Every budget should cover your needs, some wants and savings for emergencies and the future. Examples of [budgeting systems](https://www.nerdwallet.com/finance/learn/how-to-choose-the-right-budget-system) include the envelope system, the zero-based budget, and the [50/30/20 budget](https://www.nerdwallet.com/finance/learn/nerdwallet-budget-calculator), in which 50% of your take-home pay goes toward necessities, 30% toward wants and 20% toward savings and retirement. Other breakdowns, like 60/20/20 and 60/30/10, may work well for some situations. Step 3. Track your progress Pay attention to where your money is going. If you notice areas where you’re overspending, try to cut those costs. If you’re able to make cuts and have money left over, put it toward debt repayment, savings or another financial priority. Step 4. Automate your savings Set up automatic savings to make things easier. You can set automatic deposits to an [emergency fund,](https://www.nerdwallet.com/banking/learn/emergency-fund-why-it-matters) investment or retirement account on your paydays. If your income changes from month to month, set reminders to move money when you can. You don't have to do it alone — a friend or online group can keep you motivated to stick to your budget. Step 5. Practice budget management Your money situation will change over time. Check your budget every few months and adjust if needed. If you find that the initial budgeting system you chose isn’t working for you, consider trying a different strategy. The budget you choose doesn’t have to last forever. Determine your budgeting priorities When budgeting, it can be hard to figure out which items are most urgent. Should you prioritize your credit card debt, student loan repayments or retirement savings? Here is a list of potential priorities from most to least urgent. Priority No. 1: Start an emergency fund. Priority No. 1: Start an emergency fund. Priority No. 2: Get your 401(k) match. Priority No. 2: Get your 401(k) match. Priority No. 3: Pay off high-interest debt. Priority No. 3: Pay off high-interest debt. Priority No. 4: Save for retirement (again). Priority No. 4: Save for retirement (again). Priority No. 5: Grow your emergency fund. Priority No. 5: Grow your emergency fund. Priority No. 6: Pay down the rest of your debt. Priority No. 6: Pay down the rest of your debt. Priority No. 7: Save for yourself. Priority No. 7: Save for yourself. Try a simple budgeting plan: 50/30/20 One popular budget plan is the 50/30/20 budget. If you stick to this plan, you can handle your bills, save for the future, prepare for emergencies and enjoy life, too. Allow up to 50% of your income for needs Your necessities — about 50% of your after-tax income — should include: - Groceries. - Housing. - Basic utilities. - Transportation. - Insurance. - Minimum loan and credit card payments. Anything beyond the minimum goes into the savings and debt repayment category. - Child care or other expenses you need so you can work. If your basic needs go over 50%, you can use some of your “wants” money for now. That's OK. But if those needs are going over 50% month after month, consider switching to another budgeting model. Switching your budget isn't a sign of failure. Budgets should work for your life. If your necessities fall under the 50% cap, review the expenses that stay the same every month, often called fixed expenses. You may find a [better cell phone plan](https://www.nerdwallet.com/finance/learn/best-cell-phone-plans), an opportunity to [refinance your mortgage](https://www.nerdwallet.com/mortgages/learn/how-to-refinance-your-mortgage) or a less expensive car insurance option. Those money moves create breathing room in your budget. Leave 30% for wants [Separating wants from needs](https://www.nerdwallet.com/finance/learn/financial-needs-versus-wants) can be difficult. Needs are essential for you to live and work. Typical wants include dinners out, gifts, travel and entertainment. It’s not always easy to decide: Are organic groceries a want or a need? How about house cleaning services or food delivery? Decisions vary from person to person. If you want to get out of debt as fast as you can, you may decide your wants can wait until you have some savings or your debts are under control. But your budget should include fun money. If it's too strict, it's harder to stick with. Commit 20% to savings and debt paydown Use 20% of your after-tax income to put money away for the unexpected, save for the future and pay off debt balances (paying more than minimums). Think about your biggest money goals and use this part of your income to reach them. Best way to budget The best way to budget is one you can follow. Pick a plan that works for your life and goals. If the 50/30/20 budget isn’t realistic for you, maybe a 60/20/20 breakdown makes more sense — 60% toward necessities, 20% toward wants and 20% toward savings and retirement. You might have to try a few different budget plans to find one that works for you. Just make sure any plan covers needs, wants and savings. Try out a few tools to track your money — like a notebook, a worksheet or an app — and pick the one you'll actually use. By testing what works best for you, you're more likely to find a budget that helps you reach your financial goals. ![Video thumbnail](https://i.ytimg.com/vi_webp/7ckn883BbPQ/sddefault.webp) Explore more on Article sources Article sources
Shard	34 (laksa)
Root Hash	10009614238684002234
Unparsed URL	com,nerdwallet!www,/finance/learn/how-to-budget s443