Alessandra Malito is a retirement reporter based in New York. She holds the Chartered Retirement Planning Counselor™ and Chartered Financial Consultant® designations. You can follow her on Twitter ...

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A good budget helps you reach your spending and savings goals. Work out your proposed household budget by inputting your sources of income and projected expenses into Kiplinger's worksheet below. You ...

APY APY stands for Annual Percentage Yield, which is the actual rate of return per year, including compound interest. The APY is typically the rate you'll see featured for the CD you're considering.