Saving is a key component of building financial capability over the long-term. In this section, you'll find tips and resources to help you get started and make saving second nature.

Military Saves

Are You "Savings Ready?"

Learn about the Military Saves campaign and how you can be savings ready.


Ballpark E$timate® Savings Worksheet

The Ballpark E$timate is an easy-to-use, two-page worksheet that helps you identify how much you need to save for a comfortable retirement. The Ballpark E$timate takes complicated issues like projected Social Security benefits and turns them into language and math that are easy to understand.


How to Save and Invest Your Disability Benefits

Get tips on saving and investing disability benefits.

How Emergency Savings Saved Me

Read Julie Roth’s (FFMSF 2010) story about how an emergency savings fund saved her and her family. And see tips for how to get started on your own fund.

Tear Down Your Barriers to Saving

What barriers stand in your way when it comes to saving? Everyone faces challenges at some point in time. However, failure to overcome these obstacles may delay—or prevent—your financial success.

Is a Credit Union Right for Me?

Credit unions are either chartered by the federal or state government. They provide their members with a safe institution to save and borrow at reasonable and affordable rates. Credit unions exist to serve their member-owners and are often able to offer favorable rates on savings and loans.

Is My Money Safe in a Credit Union?

Federal credit unions are chartered, regulated and insured by the National Credit Union Administration (NCUA), an agency of the federal government. Through NCUA’s National Credit Union Share Insurance Fund (NCUSIF), the funds of all federal and most state-chartered credit union members are insured up to $250,000 on regular accounts and retirement accounts.

Savings Deposit Program: The 10% Solution

Learn how you can earn a guaranteed 10 percent return on up to $10,000 of your savings when serving in designated combat zones.

Additional Resources

Savings Calculator
Use our savings calculator to see how a consistent approach to investing can make your money grow. Whether saving for a house, car or other special purchase, the savings calculator will help you determine the right amount to save on a regular basis to achieve your goal.

Retirement Calculator
Use this calculator to plan your investing strategy now so that you will have enough to see you through your retirement years.

College Savings Calculator
Use our college savings calculator to determine the amount you must invest each year to have enough money to cover all college costs. You may also want to read FINRA’s publication providing information and guidance about college savings plan options, including 529 plans.

Accrued Interest Calculator
Interest on a bond accrues between regularly scheduled payments. To find out how much interest is owed on a given bond, use our accrued interest calculator. Select the appropriate bond type to figure accrued interest for corporate, municipal or government bonds. Interest for corporate and municipal bonds is calculated using a 360-day year. Interest for government bonds is calculated using a 365-day year.