Free Personalized Finance Counseling
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Create Your Goals
Access a robust library of resources and tools to set financial goals unique to your situation.
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Build and Manage Your Budget
Use our budget worksheets and calculators to build a realistic financial plan and manage spending.
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Regain Control of Your Finances
Bounce back from financial hardships with tips and strategies from our personal finance specialists.
Chat With an Expert
Your financial goals are more within reach than you think. Let’s partner to discuss your goals and help you build a roadmap to achieve them.
Sign Up for Free Counseling Chat With an Expert About Your Financial Goals
Create Personalized Goals
Get a 360-degree look into your finances using My MakingCents, your personalized dashboard. You can set money goals to fit your situation and get tailored insights to help you reach them.
Set Your Goals Create Personalized Goals
Use a Savings Goal Calculator
Have a savings goal in mind? Plug the numbers into our savings calculator to see what it will take to reach it.
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How Can I Make Saving Easy?
Discover a simple strategy that can lead to big changes in your savings with this MakingCents video.
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Dream Big: Develop a Strategy to Save for Your Goals
Follow these 6 steps to create a savings strategy to help you reach multiple goals.
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Protect Your Future With a Financial Plan
A financial plan is the first step to building a strong foundation for your finances.
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Let Us Help
Get ahead of financial challenges before they start. We’ll take a close look at your current money situation and offer helpful money management tips and skills.
Sign Up for Free Counseling Let Us HelpWith Financial Challenges
Build Your Budget
View your monthly income and expenses all in one place to see where you can cut spending and save money.
Try a Budget Worksheet Build Your Budget
Track Your Spending
Try out our interactive calculator to see how and where cutting your spending can impact your budget.
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What Budget Plan Is Right for You?
Setting up a smart budget helps keep your finances on track now and in the future.
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Reduce Your Spending Calculator
Input a few details, like your current age and expected retirement age, to see how reducing your spending can impact your budget.
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Strategies for Living on One Income
If you and your partner are suddenly learning to live on one salary or income stream, Navy Federal has some tips that can help.
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Get Back on Track
We want to help you recover from financial hardships. Speak with one of our personal finance specialists to get help with budget counseling so you can meet your obligations and get back on track.
Conquer Financial Challenges
Whether it’s changes in income or overwhelming, unexpected expenses, tackle financial hardships head-on with these strategies.
Read More Conquer Financial Challenges About Financial Strategies During Challenging Times
Pay Down Debt
See which of these 5 debt repayment strategies can work best for you.
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Tempted by a Payday Loan? First, Take a Closer Look
Learn the ins and outs of payday loans and, if you can, avoid them.
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Debt Consolidation Calculator
Should you consolidate your debt? Fill in loan amounts, credit card balances, and other debt to see what your monthly payment could be with a consolidated loan.
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Mission: Credit Confidence® Dashboard
Easily monitor, manage and help control your credit score.
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Ready to Start?
Remember, you don’t have to do this alone. Let’s work together to help you take the next step toward your financial success.
Just fill out our Personal Finance Management Application, and we’ll be in touch within 3 business days.
If you have questions, please call 1-888-503-7106.