50/30/20 Budget Calculator
50/30/20 Monthly Budget Calculator
By Sarah Li Cain | Updated September 8, 2025
Budgeting can make money management simpler and help boost your financial wellness. It lets you understand exactly how much cash is coming in and going out, see where you might spend less, and guide your savings for future goals, such as homeownership, retirement, or taking that vacation to Bali you’ve been dreaming of.
There are many budgeting techniques, but the 50/30/20 budgeting rule has become an especially popular way to get a handle on your money. Using percentages as a guideline, this type of budget can help you understand how to spend and save effectively.
To help you get started, use this 50/30/20 calculator to help you allocate your money.
Calculator Definitions
To use a 50/30/20 calculator effectively, it can be a good idea to understand the terms involved. Here are some important ones:
• Monthly after-tax income: This amount includes what you take home after taxes. If you contribute to an employer-sponsored retirement plan (like a 401k), IRA, health savings accounts (HSA), or other type of automatic savings, those amounts get deducted from your pay as well.
• Necessities: These are considered items and services you need, including housing, utilities, food, transportation, phone, minimum debt repayments, childcare, and Internet connectivity.
• Wants: Sometimes referred to as discretionary spending, this includes things that are nice (and fun) to have but aren’t necessary for survival. For example, this category can include dining out, entertainment, vacations, streaming services, and splurge items.
• Savings & Debt Repayment: This is the amount earmarked for saving for the future, plus any extra debt payments you want to make. Items include contributions towards retirement accounts and emergency funds.
What is the 50/30/20 Budget?
The 50/30/20 budget rule is a popular budgeting tactic that can be helpful for allocating your spending and saving. It gained attention when Sen. Elizabeth Warren mentioned it in the book she co-authored, All Your Worth: The Ultimate Lifetime Money Plan.
Instead of setting specific amounts to go towards those categories, you will devote a certain percentage of your after-tax dollars towards different budgeting buckets.
This approach helps structure your funds so that you have enough money for your needs, savings goals and fun purchases. Whether you use a 50/30/20 budget calculator or figure it out yourself manually, the idea is to get you on track so that you can hit your desired financial goals.
Here’s how a 50/30/20 budget is broken down:
• Necessities: 50% of your income
• Wants: 30% of your income
• Savings & Debt Repayment: 20% or your income
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Necessities
Necessities
Needs are considered mandatory spending; that is, items you consider necessities. These may be spending you need to make in order to live, or payments you can avoid.
Necessities may include:
• Housing (like rent or your mortgage)
• Insurance (examples include auto, homeowners, renters, and life insurance)
• Food (can include formula for babies)
• Transportation (such as public transport, car maintenance, gas, and parking tolls for commuting purposes)
• Basic utilities (like Internet, electricity, telephone, sewage and water)
• Minimum loan payments
• Childcare or other work-related expenses
• Healthcare and medications
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Wants
Wants
Wants, or discretionary spending, can vary from person to person. For instance, clothing may be considered a necessity for someone who has to wear a work uniform. However, it can be a discretionary cost for someone that simply likes to go shopping and buy some sweaters on sale.
Some examples of wants may include:
• Entertainment (like streaming services, concert or sporting event tickets, and vacations)
• Travel and vacations
• Dining out
• Shopping (aside from items you need)
• Gym memberships
• Personal care services (facials, blowouts, and the like)
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Savings and Debt Repayment
Savings and Debt Repayment
Savings refers to the amount you should put away for your future needs. These needs can include short-term or long-term savings like retirement. This part of the budget also includes any additional debt payments.
Some items that fall into the savings part of the 50/30/20 budget includes:
• Growing and maintaining an emergency fund
• Retirement contributions like ones towards your 401k or individual retirement account (IRA)
• Contributions towards your child’s future like a 529 or other type of college savings plan
• Student loan payments
• Extra credit card, mortgage, or other type of loan payment (assuming there’s no prepayment penalty)
• Savings goals like ones for a home down payment or occasional events like holiday gifts
How the 50/30/20 Budget Calculator Can Help
The 50/30/20 budget calculator can help you identify how your spending on needs and wants and your saving efforts add up vs. your earnings. This may reveal that you should cut back on some discretionary spending. Or it might show that you can sock more away towards your down payment fund than you thought.
Not only can a 50/30/20 budget calculator help simplify the process of managing your money, remember that it can also be a valuable tool when your financial situation changes.
It can be easy to update your budget when you, say, you get a raise, have a baby (and add childcare expenses to the mix), or start bringing in some more cash via a low-cost side hustle.
Enhance your 50/30/20 strategy with better banking.
With SoFi Checking and Savings, get up to 3.60% APY1, no account fees2, and up to $300 with direct deposit†.
SoFi Checking and Savings is offered through SoFi Bank, N.A. Member FDIC. The SoFi® Bank Debit Mastercard® is issued by SoFi Bank, N.A., pursuant to license by Mastercard International Incorporated and can be used everywhere Mastercard is accepted. Mastercard is a registered trademark, and the circles design is a trademark of Mastercard International Incorporated.
1
Annual percentage yield (APY) is variable and subject to change at any time. Rates are current as of 11/12/25. There is no minimum balance requirement. Fees may reduce earnings. Additional rates and information can be found at http://www.sofi.com/legal/banking-rate-sheet.
Eligible Direct Deposit means a recurring deposit of regular income to an account holder’s SoFi Checking or Savings account, including payroll, pension, or government benefit payments (e.g., Social Security), made by the account holder’s employer, payroll or benefits provider or government agency (“Eligible Direct Deposit”) via the Automated Clearing House (“ACH”) Network every 31 calendar days.
Although we do our best to recognize all Eligible Direct Deposits, a small number of employers, payroll providers, benefits providers, or government agencies do not designate payments as direct deposit. To ensure you're earning the APY for account holders with Eligible Direct Deposit, we encourage you to check your APY Details page the day after your Eligible Direct Deposit posts to your SoFi account. If your APY is not showing as the APY for account holders with Eligible Direct Deposit, contact us at 855-456-7634 with the details of your Eligible Direct Deposit. As long as SoFi Bank can validate those details, you will start earning the APY for account holders with Eligible Direct Deposit from the date you contact SoFi for the next 31 calendar days. You will also be eligible for the APY for account holders with Eligible Direct Deposit on future Eligible Direct Deposits, as long as SoFi Bank can validate them.
Deposits that are not from an employer, payroll, or benefits provider or government agency, including but not limited to check deposits, peer-to-peer transfers (e.g., transfers from PayPal, Venmo, Wise, etc.), merchant transactions (e.g., transactions from PayPal, Stripe, Square, etc.), and bank ACH funds transfers and wire transfers from external accounts, or are non-recurring in nature (e.g., IRS tax refunds), do not constitute Eligible Direct Deposit activity. There is no minimum Eligible Direct Deposit amount required to qualify for the stated interest rate. SoFi Bank shall, in its sole discretion, assess each account holder's Eligible Direct Deposit activity to determine the applicability of rates and may request additional documentation for verification of eligibility.
See additional details at http://www.sofi.com/legal/banking-rate-sheet
2 No Account Fee
We do not charge any account, service or maintenance fees for SoFi Checking and Savings. We do charge a transaction fee to process each outgoing wire transfer. SoFi does not charge a fee for incoming wire transfers, however the sending bank may charge a fee. Our fee policy is subject to change at any time. See the SoFi Bank Fee Sheet for details at sofi.com/legal/banking-fees/.
†
Who is eligible for a Direct Deposit Bonus?
How do I earn the Direct Deposit Bonus?
3. You will receive the bonus amount in your SoFi Checking account within 7 business days of completing all requirements listed above. You are only eligible to receive one bonus amount. You must have an open SoFi Checking account in good standing at the time of the bonus payment.
What is an Eligible Direct Deposit?
Not Eligible Deposits that are not from an employer, payroll or benefits provider or government agency and deposits that are non-recurring in nature are not eligible. Examples of deposits that are not eligible include check deposits, peer-to-peer transfers (e.g., transfers from Zelle, PayPal, Venmo, Wise, etc.), merchant transactions (e.g., transactions from PayPal, Stripe, Square, etc.), bank ACH funds transfers, wire transfers from external accounts, and IRS tax refunds. SoFi Bank shall, in its sole discretion, assess your Eligible Direct Deposit activity to determine eligibility and may require additional documentation to complete this verification.
Although we do our best to recognize all Eligible Direct Deposits, a small number of employers, payroll providers, benefits providers, or government agencies do not designate payments as direct deposit. If you have satisfied the Eligible Direct Deposit requirements but have not received a cash bonus in your Checking account, please contact us at 855-456-7634 with the details of your initial Eligible Direct Deposit. After SoFi validates the details of your Eligible Direct Deposit, your Direct Deposit Bonus will be based on the date we received your initial Eligible Direct Deposit.
What else is important to know?
New and existing SoFi members who have never set up direct deposit with SoFi are eligible for the Direct Deposit Bonus. Bonuses are limited to one bonus per SoFi member. In the case of a joint account, direct deposit activity will only be counted towards the primary account holder’s eligibility for the bonus (the primary account holder is the member who opened the joint account first).
1. Set up your first Eligible Direct Deposit. SoFi must receive it on or before 1/31/26.
2. Once SoFi receives and recognizes your first Eligible Direct Deposit, we will add up the Total Eligible Direct Deposits received over the next 25 calendar days. This total will determine the bonus amount.
Total Eligible Direct Deposit
Bonus Amount
Timing
$1.00 - $999.99
$0
To determine your bonus amount, SoFi will add up all your Eligible Direct Deposits received within 25 calendar days of your first Eligible Direct Deposit.
$1,000.00 - $4,999.99
$50
$5,000.00 or more
$300
Eligible: Recurring ACH deposit of regular income to your SoFi Checking or Savings account, including payroll, pension, or government benefit payments (e.g., Social Security), made by your employer, payroll or benefits provider or government agency (“Eligible Direct Deposit”)
•This promotion is available between 12/7/2023 at 12:01AM ET and 1/31/2026 at 11:59PM ET. SoFi reserves the right to modify or end the promotion at any time without notice. The terms of this promotion take precedence over the terms of any prior Direct Deposit promotion.
•SoFi reserves the right to exclude any members from participating in this promotion for any reason, such as suspected fraud, misuse, or suspicious activity.
•SoFi members with Eligible Direct Deposit activity can earn 3.60% annual percentage yield (APY) on savings balances. Interest rates are variable and subject to change at any time. These rates are current as of 11/12/25. There is no minimum balance requirement. Fees may reduce earnings. Additional rates and information can be found at http://www.sofi.com/legal/banking-rate-sheet.
•Bonuses are considered miscellaneous income, and may be reportable to the IRS on Form 1099-MISC (or Form 1042-S, if applicable). SoFi is required to do this reporting in compliance with the applicable federal and state reporting requirements. Recipient is responsible for any applicable federal, state or local taxes associated with receiving the bonus offer; consult with your tax advisor to determine applicable tax consequences.
•This promotion is offered by SoFi Bank, N.A, Member FDIC (“SoFi”)
Financial Tips & Strategies: The tips provided on this website are of a general nature and do not take into account your specific objectives, financial situation, and needs. You should always consider their appropriateness given your own circumstances.
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Is 695 a Good Credit Score?
Is 695 a Good Credit Score?
By Jennifer Calonia
(Last Updated – 02/2024)
If you check the FICO® Score ranges, you’ll find that a credit score of 695 puts you solidly in the “good” category. You can probably feel confident that your creditworthiness is in good shape. In general, a 695 credit score will help you secure access to loans and lines of credit, though not necessarily at the most favorable interest rates available.
Here, you’ll take a closer look at what a 695 credit score means and how it will impact your qualifying for different kinds of credit.
What Does a 695 Credit Score Mean?
In the world of credit ratings, there are a number of different scoring models with varying ranges. For example, the commonly used Fair Isaac Corporation (FICO) scoring model uses a range of 300 to 850 while Equifax’s model ranges from 280 to 850.
Each model’s credit range is broken down into rating groups. Below is the credit rating scale for FICO scores, which is the most popular system:
• 300 – 580: This “poor” rating is the lowest range in the scoring model and suggests that the borrower might be a default risk.
• 580 – 669: A “fair” rating that’s generally considered below average compared to other U.S. consumers. Some lenders might approve borrowers in this range.
• 670 – 739: A “good” FICO score, as this range is around the average score of U.S. consumers.
• 740 – 799: This range is considered “very good.” It’s higher than the average consumer’s score. It suggests that the borrower has been responsible with credit in the past, and it can likely open doors to favorable offers for loans and credit lines.
• 800 or higher: This is the highest rating at “exceptional” or “excellent.” Borrowers in this credit range are viewed as being a low default risk and have the best chance at approval and the lowest loan interest rates.
Although a FICO score vs. credit score of a different model might have slightly different ranges, a 695 credit score is generally regarded as average or good by most lenders.
Credit Score Factors
The activities that lead to a 695 FICO score can be complex to decipher. A couple of hints:
• The single biggest contributor to your score, at 35%, is payment history, meaning on-time payments. So a 695 credit score might mean that you have a late payment or two on your record which are lowering your credit score, but overall demonstrated responsible repayment habits.
• Or you might have a perfect payment record, but tend to have a high credit utilization, like having credit card balances that are regularly close to your limit vs. being no more than 30% of that number.
Ultimately, a 695 score means that your credit data isn’t perfect based on the scoring model’s factors, but overall, it doesn’t raise immediate red flags for lenders. It’s somewhat below the average credit score of 716 in the U.S.
💡 Quick Tip: Before choosing a personal loan, ask about the lender’s fees: origination, prepayment, late fees, etc. One question can save you many dollars.
What Else Can You Get with a 695 Credit Score?
Having a good credit score, like 695, is helpful in many ways. Here are a few not-so-obvious instances where good credit comes in handy:
• When getting an apartment rental.
• When applying for a new job.
• Avoids security deposit requirements for utilities services.
Of course, in addition to being advantageous in other areas of your life, a 695 FICO score can help qualify you for getting new types of credit, which you’ll learn about next.
Can I Get a Credit Card with a 695 Credit Score?
Generally, having a 695 score is adequate enough to meet many card issuer’s minimum credit requirements, while a score that nudges over the 700 figure is likely to open even more doors.
• A score of 695 is typically eligible for many unsecured credit cards. Getting an unsecured credit card means you aren’t required to put forward collateral like with secured cards. Secured credit cards require a refundable security deposit that acts as the card’s limit. With an unsecured card, you can access greater borrowing power that isn’t restricted by a deposit.
• Some credit cards will require a higher minimum credit rating. These cards may offer lower interest rates and richer credit card rewards. For instance, some cards require excellent credit at a minimum which is at least 800.
Can I Get an Auto Loan with a 695 Credit Score?
Your credit score can determine whether you’ll get approved for a loan, and it directly influences the interest rate you’re offered.
If you have a 695 credit score, you’re considered by many lenders as being a “prime” borrower in terms of your risk level. This means your borrowing history suggests you’d likely make your payments on time and pay back the entire loan as agreed. While the specifics will vary from lender to lender, usually a credit score of 610 to 640 or higher is needed for a car loan.
Assuming you satisfy the lender’s other underwriting requirements, like income, other monthly obligations and credit utilization, you can likely get an auto loan with this score.
Recommended: Smarter Ways to Get a Car Loan
Can I Get a Mortgage with a 695 Credit Score?
Yes, prospective home buyers can likely get mortgage loans with a 695 FICO score. Moreover, you have a few options in the type of home loans you can access.
For example, Fannie Mae’s underwriting guidelines state that the minimum score for a fixed-rate manually underwritten loan is 620; for an adjustable rate, you’ll likely need a minimum 640 score. This means you can likely get a fixed- or adjustable-rate conventional mortgage loan with a 695 score.
If a conventional mortgage isn’t for you — for example, if you have a low down payment — a 695 credit score more than meets credit requirements for a Federal Housing Administration (FHA) Loan. FHA borrowers can qualify for a loan with a down payment as low as 3.5% and a minimum FICO score of 580.
Can I Get a Personal Loan with a 695 Credit Score?
Personal loans are a convenient way to finance a large purchase, or they can be a useful debt consolidation tool.
Typically, a good to exceptional credit rating is required by many personal loan lenders. A 695 credit score is good to have before applying for a personal loan, though it may not earn you the best available (lowest) interest rates. Those may be reserved for those with higher figures.
Personal loans come with either fixed or variable interest rates. Borrowers with the highest credit scores are more likely to qualify for the most competitive loan rates, but borrowers with “average” credit can also avoid steep rates that are generally reserved for subprime borrowers (those whose scores are below 600 typically).
💡 Quick Tip: Swap high-interest debt for a lower-interest loan, and save money on your monthly payments. Find out why credit card consolidation loans are so popular.
The Takeaway
A 695 credit score is categorized as a good score, meaning you are likely creditworthy. If you need to borrow money or apply for a new credit card with a 695 credit score, you should have a broad range of options to choose from. This score signals to lenders that you’re a reliable borrower and will likely repay your debt in full over time. However, you may find that some perks (such as lower interest rates or better credit card rewards) are available if you were to build your score higher still.
Think twice before turning to high-interest credit cards. Consider a SoFi personal loan instead. SoFi offers competitive fixed rates and same-day funding. See your rate in minutes.
Photo credit: iStock/FreshSplash
SoFi Loan Products
SoFi loans are originated by SoFi Bank, N.A., NMLS #696891 (Member FDIC). For additional product-specific legal and licensing information, see SoFi.com/legal. Equal Housing Lender.
Disclaimer: Many factors affect your credit scores and the interest rates you may receive. SoFi is not a Credit Repair Organization as defined under federal or state law, including the Credit Repair Organizations Act. SoFi does not provide “credit repair” services or advice or assistance regarding “rebuilding” or “improving” your credit record, credit history, or credit rating. For details, see the FTC’s website .
Non affiliation: SoFi isn’t affiliated with any of the companies highlighted in this article.
Financial Tips & Strategies: The tips provided on this website are of a general nature and do not take into account your specific objectives, financial situation, and needs. You should always consider their appropriateness given your own circumstances.
Third-Party Brand Mentions: No brands, products, or companies mentioned are affiliated with SoFi, nor do they endorse or sponsor this article. Third-party trademarks referenced herein are property of their respective owners.
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Is 640 a Good Credit Score?
Is 640 a Good Credit Score?
By Melissa Brock
(Last Updated – 02/2024)
A 640 credit score isn’t exactly good or bad: It is classified as “fair” on the popular FICO® Score scale. It’s not a “good” credit score, but that doesn’t mean you can’t reach some of your financial goals with a 640 score.
This three-digit number reflects a moderate degree of creditworthiness, or how well you handled debt and bills currently and in the past. Lenders use credit scores to determine whether they should grant you a loan and at what rate and with which terms. Given that the average credit score in the U.S. is currently 718, you can see that a 640 falls below the norm.
Read on for the definition of a 640 credit score, what it means, and what you can get in terms of loans and lines of credit.
What Does a 640 Credit Score Mean?
A 640 credit score means your score falls within the “fair” category — 580 to 669. It’s below the average credit score that most Americans have.
Credit scores fall in a credit score range from 300 to 850 in the most popular Fair Isaac Corporation (FICO) model. Here’s how these numbers stack up:
• Exceptional: 800 – 850
• Very Good: 740 – 799
• Good: 670 – 739
• Fair: 580 – 669
• Poor: 300 – 579
FICO scores consider different aspects of your credit and have different weights attributed to various items:
• Payment history (35%)
• Credit utilization (the amount you owe) (30%)
• Length of credit history (15%)
• Mix of credit accounts (10%)
• New credit accounts (10%)
Some lenders may see your credit score and decide you have unfavorable credit. In the end, they may decline your credit application. If they accept your application, they may charge you a higher interest rate to compensate for the lower credit score.
Here’s another question you may wonder about: Is 640 a bad credit score?
No, it’s not.
Learn more: What’s the difference between FICO vs. credit score?
💡 Quick Tip: A low-interest personal loan from SoFi can help you consolidate your debts, lower your monthly payments, and get you out of debt sooner.
What Can You Get with a 640 Credit Score?
So, what can you qualify for with a 640 credit score? It’s a great question because when you think about the basic things you might need, many of them — homes, cars, and buying power — require credit to get.
However, it’s not just loans and lines of credit that may use your credit score as a qualifying factor. Landlords may look at your score when you apply to rent a property, and utility companies may check your three digits as well when deciding whether to charge you for equipment (such as cable boxes). A higher credit score (say, one firmly in the good or very good category or higher) could help you in these regards.
Can I Get a Credit Card with a 640 Credit Score?
Yes, you may be able to get a credit card with a 640 credit score. However, your 640 credit score could make it difficult for you to get approved for credit cards with favorable interest rates and perks. Typically, credit card issuers look for scores of 670 or higher.
A secured credit card could make it possible for you to qualify if you don’t get approved or are trying to build your credit. A secured credit card is one in which you must put a security deposit to open the account. Cardholders make a one-time, refundable deposit that acts as collateral for the card. For some people, using a secured credit card responsibly can be a stepping stone to having an unsecured card.
💡 Quick Tip: Swap high-interest debt for a lower-interest loan, and save money on your monthly payments. Find out why SoFi credit card consolidation loans are so popular.
Can I Get an Auto Loan with a 640 Credit Score?
Those with a 640 credit score may find it hard to get a car loan or to get one with an affordable interest rate. Typically, those go to borrowers with credit scores of 675 or higher.
If you are finding it challenging to get a car loan, you might consider putting down a higher down payment or adding a cosigner.
Can I Get a Mortgage with a 640 Credit Score?
Yes, you can get a mortgage loan to purchase a home with a 640 credit score. Let’s look at a few different home loan types and a rundown of each:
• Conventional mortgage: A conventional mortgage is a loan not backed by a government agency. You can typically qualify for a conventional loan with a 620 credit score — so you should be in the clear with a 640, but remember that other factors come into the equation, such as your income. You will also need to put down a down payment and have enough to cover closing costs.
Those with higher credit scores (say, 740 and up) may be able to put down less than those with lower scores and also score lower interest rates since they are seen as less risky borrowers. Other factors, such as income history, job stability, and debt-to-income ratio may also have an impact on whether you are approved and with which terms.
• FHA loans: FHA loans vs. conventional loans are backed by the federal government, specifically the Federal Housing Administration (FHA). What does “backed” mean? It means the federal government insures the loan to protect your lender if you quit making your mortgage payments. FHA loans often allow you to borrow with a credit score minimum of 500 and a lower down payment option. You can roll closing costs into your loan.
• VA loans: VA loans are backed by the U.S. Department of Veterans Affairs. To qualify, you must be a service member, veteran, or qualifying surviving spouse. Most lenders look for a score of 620 (though some may accept 580), so you can likely get one with a 640 credit score. They do not require a down payment, but you must have a Certificate of Eligibility (COE) to qualify for a VA loan.
• USDA loans: The U.S. Department of Agriculture guarantees USDA loans. You typically need a credit score of at least 640, so you’re in the right credit score neighborhood. You must also meet certain income criteria and purchase a home in a designated rural area.
• Jumbo loans: This is the only loan you may not qualify for. They typically require you to have a higher credit score, typically 700 to 720 or higher, with a 10% to 20% down payment in order to qualify for these larger loans.
Jumbo loans exceed the Fannie Mae and Freddie Mac conforming loan limits. For 2025, the conforming loan limit is $806,500 unless you live in a high-cost area like Alaska or Hawaii, where the conforming loan limit is $1,209,750 for a single-unit property. The number increases depending on the number of units you own.
Are you unsure which type of mortgage fits you? Talk to a lender to learn more about the route you should go based on your score and other qualifications.
Can I Get a Personal Loan with a 640 Credit Score?
Yes, you should be able to get a personal loan with a 640 credit score. You can compare rates from a few different lenders, particularly through a local bank, credit union, or online lender.
Getting prequalified for a personal loan type can help you determine the interest rate you’ll qualify for. If you’re unsatisfied with the interest rate, you may consider cosigning with someone with a higher credit score than you.
The Takeaway
A 640 credit score is neither good nor bad. It is considered “fair” according to credit score ratings. While you may qualify for credit cards, other lines of credit, and loans, you likely won’t get the most favorable rates or perks. Building your score through diligent on-time payments and management of your credit utilization may help you snag better terms.
Think twice before turning to high-interest credit cards. Consider a SoFi personal loan instead. SoFi offers competitive fixed rates and same-day funding. See your rate in minutes.
SoFi Loan Products
SoFi loans are originated by SoFi Bank, N.A., NMLS #696891 (Member FDIC). For additional product-specific legal and licensing information, see SoFi.com/legal. Equal Housing Lender.
Disclaimer: Many factors affect your credit scores and the interest rates you may receive. SoFi is not a Credit Repair Organization as defined under federal or state law, including the Credit Repair Organizations Act. SoFi does not provide “credit repair” services or advice or assistance regarding “rebuilding” or “improving” your credit record, credit history, or credit rating. For details, see the FTC’s website .
Non affiliation: SoFi isn’t affiliated with any of the companies highlighted in this article.
Financial Tips & Strategies: The tips provided on this website are of a general nature and do not take into account your specific objectives, financial situation, and needs. You should always consider their appropriateness given your own circumstances.
Third-Party Brand Mentions: No brands, products, or companies mentioned are affiliated with SoFi, nor do they endorse or sponsor this article. Third-party trademarks referenced herein are property of their respective owners.
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