Starting to Save

Get Started Saving

It's important to have a plan in place when you start to save. Take a look at your current savings and see if you can cover unexpected costs like medical bills or car repairs. When you understand where you spend your money you can identify saving opportunities.

Plan for Your Other Life Stages

Save for Emergencies

The first step to building an emergency fund is to evaluate your monthly expenses, so you'll know how much remaining income you have to set aside. Use our calculator to help identify how much you can afford to save each month.

Experts recommend saving 6 months of expenses for an emergency fund

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You met your goal. Consider increasing the amount you want to save for emergencies.

Your goal: 000
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Available monthly cash: $

How much do you want to save each month?

See how you can grow your savings faster with our detailed schedule.

Cutting expenses can help you save more. Read how to budget smart.

How is this calculated?

Save

$200/mo

of your available monthly
cash to reach your goal by

March 31, 2026

See how you can grow your savings faster with our detailed schedule.

Cutting expenses can help you save more. Read how to budget smart.

How is this calculated?

Choose a Savings Option

Now it's time to make your money work hard for you. Take a look at some of our suggested product offerings to see which ones fit your goals.

Online Savings
4.6

Our online savings account doesn’t have monthly maintenance fees, so you can grow your emergency fund – no matter how much you're saving. You also get the advantage of daily compounding interest, so your balance can grow faster. Plus, we offer great rates that are consistently among the most competitive.

Keep in mind that our rates are variable and may change after the account is opened. Fees may also reduce earnings.

Highlights

  • No hidden fees
  • Deposit checks remotely with Ally eCheck Deposit℠
  • Automatic transfers from your non-Ally accounts
  • Deposits insured by the FDIC up to the maximum allowed by law
  • Six transactions limit per statement cycle. Why only 6?

Interest Checking
4.4

Our Interest Checking includes a variety of features to make account management easy for you. Through our online and mobile banking services you can track your spending, so you know you're sticking to your budget. Plus, we have no monthly maintenance fees or minimum balance requirements, keeping your hard earned money all in one place.

Keep in mind that our rates are variable and may change after the account is opened. Fees may also reduce earnings.

Highlights

  • Includes Online Bill Pay, a debit MasterCard® and standard checks
  • Send money with Popmoney®
  • Deposit checks remotely with Ally eCheck Deposit℠
  • Deposits insured by the FDIC up to the maximum allowed by law

Estimate Your Earnings

Maximize Your Account Benefits

If you already have a relationship with us, take a look at how we can help maximize your savings.

Track your spending

With our app, you can track your expenses and see where you're spending your money. You can also make deposits and pay bills.

Learn more about our apps

Schedule recurring transfers

Setting up recurring transfers on payday is an easy way to save. You'll never even miss the money you're saving.

Log in to get started

Avoid ATM fees

ATM fees can be as much as $5 per transaction. Avoid paying these fees by using any of the 43,000+ Allpoint ATMs in the U.S. for free.

Find an ATM

Plan for Your Other Life Stages

How is this calculated?

Your available monthly cash is calculated using this formula
Monthly Household Income – Monthly Expenses = Available Monthly Cash

Your goal date is calculated using this formula
(Savings Goal – Current Savings) / (Monthly Household Income – Monthly Expenses) x Monthly Percent Saved = Total months until you meet your goal

Our calculations are only an estimate based on the information you entered. Also, estimated earnings are based on the interest rate and assume you make monthly deposits without withdrawing funds. All amounts are rounded up to the nearest whole number.