To continue enjoying all the features of Navy Federal Online, please use a compatible browser. You can confirm your browser capability here.

Making Cents

Smart Money Strategies

From expert advice to budget calculators, our tools and resources can help you achieve your financial goals.

Where are you in your financial journey?

Starting Out

Get your finances on track from the start. 

Know Your Credit Score 

A strong credit score is key to helping you reach your financial goals. Get to know your credit score and take steps to start managing it. 

Take Control of Your Credit Score

Begin Saving

You never know when you'll need some money stashed away for a rainy day. Prioritize saving, even if it's as little as $20 a week, to begin building an emergency fund. 

Learn More About Saving

Balancing Life

Navigate work, family and finances with ease. 

Start Saving for College

Prepare for college education expenses with planning tools, student loan information and a college savings calculator. It's never too soon to start preparing. 

College Savings Calculator 

Make a House Your Home

If you plan to buy a home, want to refinance your current one or want to explore a VA loan, learn everything about the mortgage process. 

Learn More About Our Mortgage Process 

Maximizing Money

From growing wealth to planning for retirement—get the most from your finances. 

Grow Your Wealth 

With Digital Investor, simplify the investing process and quickly research, buy and track your investments. You can choose from Automated Investing, where we do the work for you, or pick your own investments with our Self-Directed investing options.

Start Investing 

Secure Your Future

Your retirement goals are unique. Our plans are designed to help you achieve them.

Explore Retirement Savings Plans