Manage your money

Establish yourself financially

Take these basic steps to get established financially.

Understanding take-home pay
Start budgeting

Take the steps necessary to manage your money.

Save money
Use your credit cards wisely

Review our tips for using credit cards wisely.

Review and understand your credit report
Manage your student loan debt

Learn how to repay your student loans, no matter how much you borrowed.

Read our 12-step guide to financial success
Bank balancing tool

Reconcile your checking and savings account records with your bank's records

Bank Balancing tool
Budget calculator

Develop a saving and spending plan

Income-based repayment calculator

Estimate your monthly payment amount under the income-based repayment plan for various federal student loans

Loan consolidation calculator

Estimate your consolidation loan interest rate and payment amount

Savings calculator

Use this calculator to see how your savings can grow.

Student loan debt/salary wizard

Calculate the salary needed to pay your student loan debt

Student loan repayment calculator

Estimate your student loan payments