nickelsavings

Everyday banking, explained

Pay your bank less. Let your savings earn more.

Plain-English guides to the accounts you use every day: how to stop paying fees, what APY really means, when CDs make sense, and how to save for every big expense before it arrives.

Plan a savings goal Stop paying bank fees

Sinking funds $310 saved this month

  • Car repairs$480 of $600
  • Holidays$350 of $700
  • Car insurance (6 months)$390 of $520
  • New laptop$150 of $900
An example of saving a little each month for known expenses.

Start with one of these

CalculatorSavings goalGoal, date and rate in; monthly amount out. GuideBank feesTen common fees and how to avoid each one. ChecklistBetter BankingSixteen steps to cheaper, smarter banking.

15 banking and saving guides

Choosing accounts

Avoiding fees

Growing savings

Saving for goals

Free download, no email needed

The Sinking Funds Workbook

List the big expenses you know are coming, work out a monthly amount for each, and track every fund on one page.

Get the free PDFSee the Better Banking checklist

Coming soon

Every goal, its own amount, one simple app

Nickel Savings Goals: a simple app for saving toward several goals at once. Set a target and date for each, see exactly what to move each month, and get a reminder on payday.

$2 a month, or $18 a year. Cancel any time.

How it works