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    Amppfy
    • Safe to Spend™ App
      • Amppfy on iPhone — one clear number with the status scale and the math under itYour number, in your pocketFree on iPhone and Android, with the same account on the web.
        • Download on the App Store
        • Get it on Google Play
        • Prefer the web? Sign up free ›
      • The app
        • OverviewOne clear number for what’s safe to spend before payday
        • Safe-to-Spend™The four-line math, always shown
        • Weekly check-inTen minutes a week keeps it honest
      • Features
        • Bills & paydaysEvery bill and payday on one calendar
        • GoalsSavings that fund themselves first
        • For couplesTwo logins, one number you both trust
        • SubscriptionsWhat you pay monthly, and what cancelling gives back
        • Calendar & heads-upsYour month at a glance, a heads-up before bills land
        • Net worth & payday nudgeThe whole picture, month by month
        • BudgetWhere the month’s money goes, month by month
      • Trust & help
        • Security & privacyJust your balances, optional two-step verification
        • Help centerSetup, the number, check-ins, FAQ
        • Open the web appSame account, any browser
    • Budget & Save
      • Budget & SaveOne number for what’s safe to spend before paydayBudgeting that starts from your balances, not a spreadsheet.Explore Budget & Save ›95 guides · 482 articles
      • Budgeting
        • Budgeting basics
        • Start a budget
        • Monthly budget
        • Budget methods
        • 50/30/20 budgeting
        • Zero-based budgeting
        • Budgeting mistakes
        • Budgeting tips
        • Budgeting tools
        • Couples budgeting
        • Family budgeting
        • Vacation budgeting
        • How to budget and save money
        • Common Budgeting Mistakes and How to Fix Them
        • 5 Steps to Stop Living Paycheck to Paycheck
        • Are You Living Paycheck to Paycheck?
        • How to Build a Simple Monthly Budget You’ll
        • Best Budgeting Apps Compared
        • Cut Recurring Costs
        • How to Track Every Dollar
        • 5 Easy Budgeting Apps You Need to Try
        • How to Cut Household Expenses Without Feeling
        • Budget Repair for Ages 18–28 with $30–50k Income
        • Beginner’s Guide to Creating a Monthly Budget
      • Saving
        • Savings
        • Savings goals
        • Savings plan
        • Savings buckets
        • Sinking funds
        • Cut expenses
        • Groceries savings
        • Smart saving strategies
        • Saving in a recession
        • Savings tips
        • Savvy saver
        • Maximize your savings
        • Debt-to-Income Ratio Calculator
        • Savings Calculator
        • Savings Goal Calculator to Help You Master Your
        • Monthly 50/30/20 Budget Calculator to Maximize
        • When to Use a High-Yield Savings Account vs
        • 14 Simple Ways to Cut Monthly Expenses
        • How to Set Up Savings Buckets in 20 Minutes
        • How to Create a Savings Plan
        • How to Build a 6-Month Savings Plan for Financial
        • How to Set Realistic Savings Goals and Hit Them
        • The 52-Week Savings Challenge
        • How to Maximize Savings
      • Emergency fund
        • Emergency fund
        • How much to save
        • Where to keep it
        • Rainy day fund
        • Emergency savings
        • Emergency buffer
        • Best emergency fund tips
        • Emergency Fund Calculator
        • Building a Rainy Day Fund
        • How to Calculate Your Emergency Fund
        • Sinking Funds vs. Emergency Fund
        • 5 Best High-Yield Savings Accounts for Emergency
        • Emergency Funds
        • Why an Emergency Fund Is Non-Negotiable
        • Why an Emergency Fund Is Crucial for Financial
        • Millions Can’t Cover an Emergency Expense. Here’s
        • 5 High-Liquidity Places to Park Your First $1,000
        • Saving Strategies for Emergency Funds and Retirement
        • Short-Term Savings Goals vs Emergency Fund
        • Emergency Fund Explained
        • Emergency Fund vs. Investing
        • Emergency Fund Guide
        • How Much Emergency Fund Do You Need?
        • Build Your Emergency Fund Fast
      • Money habits
        • Money management
        • Money management basics
        • Money habits
        • Money mindset
        • Money matters
        • Monthly financial reviews
        • Spend tracking
        • Smart spending
        • Cash flow
        • Net worth
        • Know your money
        • Financial literacy
        • Net Worth Calculator
        • How to Calculate Your True Debt-to-Income Ratio
        • What a Simple 7-Question Money Quiz Reveals About
        • Do Personal Money Management Tools Work?
        • The 3 Key Personal Finance Metrics Every Household
        • How to Build a Simple Monthly Financial Review Habit
        • Beginner’s Guide to Tracking Spending
        • Building a Savings Habit
        • What Is Financial Literacy?
        • Are Financial Advisor Fees Negotiable?
        • Psychology of Money Management
        • Should You Skip That Charitable Donation at the
      • Financial planning
        • Financial planning
        • Financial goals
        • Financial wellness
        • Financial freedom
        • Financial independence
        • Financial resilience
        • Financial self-assessment
        • Finance
        • Finance tips
        • Compound interest
        • Long-term wealth
        • Wealth building
        • Life-stage financial planning
        • Compound Interest Calculator
        • The Cashflow Calendar
        • What to Expect When Meeting with a Financial Advisor
        • How to Map Short, Medium, and Long Financial Goals
        • Financial Independence Roadmap
        • 50/30/20 Budget Rule
        • Personal Finance Mastery
        • How to Start a Budget
        • 5 Proven Saving Strategies to Reach Your Financial
        • Steps to Build Financial Resilience for Life Events
        • The Ultimate Guide to Financial Literacy
      • Income
        • Side hustles
        • Side hustle ideas
        • Side income
        • Extra income
        • Using extra income
        • Passive income
        • Gig economy
        • Gig work
        • Gig earnings
        • Freelance finance
        • Irregular income
        • Online income
        • Renting out assets
        • Selling unused items
        • Small business ideas
        • How to make money online
        • Salary
        • Selling Handmade Crafts Online
        • 10 Side Hustles You Can Start this Weekend
        • How to Start Freelance Writing
        • Budgeting for Irregular Income
        • Short-Term Income Boosters
        • Explore the Lucrative World of Delivery Driving
        • Building Your Credit as a Gig Worker
      • Family & life events
        • Family finance
        • Family costs
        • Family financial education
        • Teen money skills
        • New immigrant finance
        • Recovery after job loss
        • Healthcare costs
        • Healthcare savings
        • Cost of living
        • How to Rebuild Savings After a Job Loss
        • 529 Plans 101
        • How to Teach Financial Literacy to Teenagers
        • Real Cost of Raising Two Kids
        • Family Budgeting
        • Family of Four Budget
        • Winter Break Childcare
        • Thanksgiving Hosting on a Budget
        • Gifts for Kids on a Tight Pay Cycle
        • The Small Holiday Costs That Add Up
        • Holiday Gift Budget for Couples
        • Gift Cards After the Holidays
        • Holiday Returns and Refunds
        • Holiday Spending on a Pay Schedule
        • When Your Payday Moves Early
      • Big purchases & cars
        • Major money decisions
        • Major purchase planning
        • Major purchases
        • Buying a car
        • Buying a used car
        • Car buying
        • Moving expenses
        • How to Plan for a Major Purchase Without Going into
        • What to Check When Buying a Used Car
        • A Beginner’s Guide to Car Buying
        • Insurance in a Household Budget
        • Transportation Budget
        • First Paycheck, First Lease
        • Moving Without Draining Your Account
        • How Much Should You Keep for Car Repairs?
        • Saving for a Car Down Payment on a Paycheck Schedule
        • Moving In Together
        • Car Insurance Due in One Lump?
        • Should Your Car Count Toward Net Worth?
      • Money & the economy
        • The economy
        • Economic trends
        • Jobs report
        • U.S. financial system basics
        • Personal finance news
        • Free Interest Rate Calculator
        • Managing Your Savings During a Recession
        • Emergency Fund for a Recession
        • How to Navigate US Financial Systems as a New
        • How to Manage Your Savings During a Recession
        • Social Security COLA
        • Gig Economy Playbook
    • Debt & Credit
      • Debt & CreditPay it down, then make your score work for youPayoff plans that fit a pay cycle, and the credit moves that stick.Explore Debt & Credit ›36 guides · 109 articles
      • Pay off debt
        • Debt payoff
        • Debt-free journey
        • Credit card debt
        • Debt consolidation
        • HELOC payoff strategy
        • Debt as a single parent
        • Debt-Snowball vs. Debt-Avalanche
        • The Pros and Cons of Debt Consolidation
        • Debt Snowball vs Avalanche
        • Consolidating Debt
        • Saving for a Wedding Without Going Into Debt
        • Emergency Buffer While Paying Down Debt
        • How to Build a Realistic 6-Month Debt Payoff
        • Rolling Over a 401 to Pay Down Debt Without
        • Payoff Strategies for Single Parents with Multiple
        • How to Use Extra Cash to Crush Debt Fast
      • Loans
        • Student loans
        • Auto loans
        • Auto loan debt
        • Personal loans
        • Personal loan debt
        • Personal loan refinance
        • Refinancing a personal loan
        • Medical debt
        • How to Refinance a Personal Loan
        • Can You Refinance a Personal Loan?
        • What to Know Before Taking Out a Personal Loan
        • How to Deal With Personal Loan Debt
        • 5 Tips for Paying Off Your Auto Loan Early
        • Best Personal Loans
        • When to Refinance a Personal Loan
        • Student Loan Repayment Options
        • Medical Debt in America
        • Medical Debt Explained
        • Student Loans 101
        • Dealing With Student Loans
        • Auto Loans Explained
        • Budgeting with a High-Interest Personal Loan
        • Fast and Simple Auto Financing
        • Creating a Debt-Repayment Fund for Unexpected Loans
      • Credit score
        • Credit score
        • What credit scores mean
        • How credit scores are calculated
        • Checking your credit score
        • Improve your credit score
        • Build credit
        • Credit health
        • Credit reports
        • Credit basics
        • Credit for gig workers
        • How to Remove Negative Items from Your Credit Report
        • How to Build Credit
        • Understanding Credit Utilization
        • What Is Credit?
        • How to Build Credit From Scratch at Any Age and
        • How to Start or Rebuild Credit
        • Credit Utilization
        • How Long Do Negative Marks Stay on Your Credit
        • How to Read Your Credit Report and Dispute Errors
        • How to Check and Improve Your Credit Score
        • How Long Negative Items Stay on Your Credit Report
        • Credit Score 101
        • Dispute a Credit Report Item
        • Medical Bills on Your Credit Report
      • Credit cards
        • Credit cards
        • Credit cards for beginners
        • Credit card rewards
        • Balance transfer cards
        • Best Credit Cards to Build or Rebuild Credit and
        • Balance Transfers Explained
        • Best Starter Credit Cards for Building Credit
        • What to Do If Your Credit Card is Lost or Stolen
        • How to Pay Off Credit Card Debt Fast
        • How to Pick the Best Rewards Credit Card for
        • Best Practices for Responsible Credit Card Use
        • Using a Balance Transfer Credit Card to Pay Off
        • 10 Ways to Pay Off Credit Card Debt
        • Using a HELOC to Pay Off High-Interest Credit Card
        • Credit Card Hacks
        • Beginner’s Plan to Pay Off Credit Card Debt Fast
        • Financial Advice for Single Parents
        • How to Use Credit Cards Safely to Earn Rewards
        • Secured Credit Cards and Credit-Builder Loans
        • Credit Card Basics
        • Secured vs. Unsecured Credit Cards
        • AmEx and Fanatics to Partner on New Credit Card
        • American Express Gold Card Unveils New and Updated
        • 5 Things to Know About the Robinhood Platinum Card
      • Relief & protection
        • Debt relief
        • Bankruptcy
        • Negotiating with creditors
        • Predatory lenders
        • Wage garnishment
        • Credit freeze
        • Credit protection
        • Fraud awareness
        • Truth About Credit Freezes and When to Use One
        • How to Freeze and Unfreeze Your Credit with All 3
        • How to Negotiate with Creditors
        • Credit Freeze Guide
        • How to Avoid Predatory Lenders and Spot Scams
        • Personal Loan Debt Relief Options
        • How to Freeze and Thaw Your Credit Report
        • How to Freeze and Unfreeze Your Credit
        • When Bankruptcy Might be an Option
        • Budgeting Around Wage Garnishment
        • Identity Theft Checklist
        • Monitoring vs Freezes
    • Invest & Retire
      • Invest & RetireStart small, stay boring, retire on timeIndex funds, brokerages and retirement accounts without the jargon.Explore Invest & Retire ›54 guides · 168 articles
      • Start investing
        • Investing
        • How to start investing
        • Start investing with little money
        • Start investing with $100
        • Fear of investing
        • Brokerage setup
        • Investing risk
        • Investments
        • Investment Calculator
        • Why the Price-to-Earnings Ratio Matters
        • How to Start Investing with Little Money
        • Best Apps for Beginner Investors
        • Dollar-Cost Averaging Investing Strategy
        • Investing for Beginners
        • How to Build a Diversified Investment Portfolio
        • Investing Basics for Beginners
        • I’m 25. Here’s How I Got Started Investing
        • How to Start Investing While Paying Down Debt
        • How to Start Investing and Build Your Financial
        • How to Start Investing and Build Wealth
        • How to Start Investing if You’re Scared of the
      • Strategy
        • Investing strategy
        • Investment strategies
        • Your investing portfolio
        • Diversification
        • Diversifying your investments
        • Investing mistakes
        • Investing tips
        • Investment tips
        • Best investing tips
        • Risk management
        • Understanding Custodial Accounts
        • Recession-Proof Your Portfolio
        • How to Rebalance Your Portfolio
        • When to Use Dollar-Cost Averaging vs Lump Sum
        • 5 Simple Portfolios for New Investors
        • Diversification Strategies
        • Top 11 Investments to Consider
        • Asset Allocation for the Mid-Career Investor
        • How to Understand Investment Risk and Protect Your
        • 5 Smart Diversification Strategies to Spread Your
        • Behavioral Mistakes New Investors Make
        • Set-It-And-Forget It
        • Investing Mistakes New Investors Make and How to
        • Diversification Tips for High-Income Earners with
      • Stocks
        • Stock market
        • Stock market basics
        • How to start investing in stocks
        • Stock analysis
        • Stock trading
        • Stock trading strategies
        • S&P 500
        • Options trading
        • Margin trading
        • Short selling
        • How to Make Money in Stocks
        • How to Short a Stock in 5 Easy Steps
        • Bullish vs. Bearish
        • Top 8 Investment Account Options for Children
        • How to Read Stock Charts
        • How the Stock Market Works
        • Investing 101
        • How Stock Trading Works
        • Finding the Best Stocks to Weather Inflation
        • How to Start Investing in Stocks with Little Money
        • Beginner’s Guide to Analyzing Stocks in 5 Steps
        • How to Protect Your Investments in a Stock Market
        • Identify Recession-Resistant Stocks to Outperform
        • Margin Trading Explained
      • Funds & assets
        • Index funds
        • Index funds for beginners
        • Best S&P 500 index funds
        • ETFs
        • Dividend investing
        • Bonds
        • Bond investing
        • Crypto
        • Investment types
        • The 7 Best S&P 500 Index Funds
        • Index Funds vs. Actively Managed Funds
        • Beginner’s Guide to Index Funds
        • Choosing the Best S&P 500 Index Fund for Your
        • Mutual Funds vs. ETFs
        • The Best Low-Cost ETFs for Beginners to Buy Right
        • How to Start Investing in ETFs
        • Index Funds vs. ETFs
        • 7 Best Index Funds Beyond the S&P 500
        • How to Invest in Index Funds
        • Dividend Investing for Beginners
        • How Index Funds Track the S&P 500 Index
        • How to Start Investing in S&P 500 Index Funds
        • How Bond Index Funds Provide Stability and Income
        • Common Beginner Mistakes When Investing in ETFs
      • Platforms
        • Brokerages
        • Investment platforms
        • Stock brokerage platforms
        • Robo-advisors
        • Fidelity
        • Fidelity Go Review
        • Choosing between Vanguard and Fidelity for
        • Robinhood vs. E*TRADE
        • How to Manage Multiple Brokerage Accounts
        • Opening a Brokerage Account and Its Benefits
        • Fidelity vs. Schwab
        • Manage Multiple Brokerage Accounts
        • Robo-Advisors vs. Human Advisors
        • How Brokerage Fees and Commissions Affect Your
        • Robo-Advisors vs. Traditional Brokers
        • Maximizing Returns
        • Robo-Advisors vs DIY Investing
        • How to Choose the Best Brokerage Account for
      • Retirement
        • Retirement
        • Retirement planning
        • Retirement planning basics
        • Retirement saving
        • Retirement accounts
        • Retirement income
        • 401(k)
        • IRA
        • Social Security
        • Estate planning
        • Estate basics
        • Wealth transfer
        • Roth IRA vs. Traditional IRA
        • Target-Date Funds Explained and When to Use Them
        • Tax-Advantaged Accounts
        • How to Build a Simple, Low-Stress Retirement
        • Social Security Basics
        • How to Maximize Employer 401 Match
        • How to Choose the Right ETF for Your Goals
        • Stock Investing for Major Life Goals
        • Long-Term Care for Retirement
        • 401 Basics
        • Are You Making These Retirement Mistakes?
        • Retirement Planning Essentials
    • Home & Insurance
      • Home & InsuranceBuy, borrow and insure the biggest thing you ownFrom the first down payment to the policy that protects it.Explore Home & Insurance ›39 guides · 114 articles
      • Buying
        • Home buying
        • First-time home buyer
        • Home affordability
        • Home down payment
        • Down payment strategies
        • How Much House Can I Afford?
        • Buying a Fixer-Upper House?
        • What First-Time Home Buyers Need to Know About
        • Renting vs. Buying
        • How Much Home Can You Afford?
        • How to Save for a Home Down Payment Without
        • How Much Down Payment Do You Really Need to Buy a
        • Why Every First Time Home Buyer Should Attend a
        • Is Renting Better Than Buying?
        • Unlocking Down-Payment Assistance
        • Best Down Payment Strategies for First-Time Home
        • Understanding First-Time Home Buyer Loans and
        • 9 Steps to Successfully Buy a House
        • First-Time Home Buyers Top 21 Checklist
        • Saving for a Down Payment to Buy a House
        • From Pre‑Approval to Closing a New Home
      • Mortgage
        • Mortgage
        • Mortgage basics
        • Mortgage types
        • Adjustable-rate mortgages
        • Mortgage rates
        • Mortgage application
        • Mortgage payment
        • Mortgage payoff strategies
        • Mortgage refinance
        • Mortgage tips
        • How to Calculate the Debt-to-Income Ratio for a
        • Mortgage Amortization Calculator
        • How to Refinance a Mortgage with Low Credit
        • Refinance Your Mortgage
        • Free Mortgage Calculator To Estimate Your Monthly
        • First-Time Homebuyer Checklist
        • Fixed vs. Adjustable Mortgage
        • Leveraging Credit Score Improvements Before
        • Navigating Rising Mortgage Rates
        • Refinance, Rate Locks and More
        • Credit Scores to Closing Costs
        • The Mortgage Playbook
        • Understanding ARM Mortgage Outlook Homebuyers
        • Understanding Mortgages
      • Owning
        • Home ownership
        • Owning a home
        • Home equity
        • Home improvement
        • Home renovation
        • How to Cover the Cost of Emergency Home Fixes in 8
        • Hidden Costs of Home Ownership
      • Real estate
        • Real estate
        • Real estate investing
        • Getting started in real estate
        • Rental property
        • REITs
        • Evaluating Short-Term Rental Return on Investment
        • Investing in Real Estate Owned Properties
        • Analyzing Real Estate Investment Trusts for Passive
        • Calculating Rental Property Cash Flow Accurately
        • Building a Real Estate Investment Analysis
        • Evaluating a Multi-Family Real Estate Property
        • Evaluating Real Estate Crowdfunding Platforms
        • Estimating Real Estate Property Appreciation for
        • Starting a House Hacking Strategy
        • How to Use Real Estate Wholesaling Strategy for
        • Evaluating Fix-and-Flip Real Estate Opportunities
        • Using Leverage Wisely in Real Estate
        • Structuring a Real Estate Portfolio for Tax
        • Using a 1031 Exchange to Defer Capital Gains Taxes
        • Using Real Estate Syndications to Access Larger
      • Insurance
        • Home insurance
        • Best home insurance
        • Coverage basics
        • Home insurance deductibles
        • Home insurance rates
        • Home insurance claims
        • Policy add-ons
        • Home insurance tips
        • Best home insurance companies
        • How to choose a policy
        • Compare home insurance quotes
        • Instant home insurance quotes
        • Car insurance
        • Life insurance
        • Top 6 Home Insurance Companies
        • Understanding Your Home Insurance Deductible
        • Compare Home and Insurance Quotes
        • Get Your Free Home Insurance Policy Quotes Today
        • The Ultimate Guide to Homeowners Insurance
        • How to Get the Best Home Insurance Policy Quotes
        • Home Insurance Premiums Explained
        • How to Compare Term vs. Whole Life Insurance for
        • Instant Insurance Quotes for Your Home
        • How to Estimate True Homeownership Costs
    • Taxes
      • TaxesKnow what lowers your bill before April doesDeductions, credits and the forms behind them, in the order you meet them.Explore Taxes ›25 guides · 53 articles
      • Filing
        • How to file taxes
        • Tax filing basics
        • Your tax bill
        • Tax refunds
        • Adjusted gross income
        • Adjusted Gross Income Explained
        • Tax Prep Checklist
        • Free File Tax Program Remains Woefully Underused
        • How to File a Tax Extension Online
        • Tax Refund Loan
        • Georgia State Income Tax
        • 6 Smart Ways to Cut Taxes in Retirement and Keep
        • Handling Back Taxes
      • Deductions & credits
        • Deductions
        • Tax deductions, itemized
        • Tax credits
        • Deductions vs credits
        • Saver’s credit
        • Claiming Moving Expense Deductions
        • Understanding Tax Credits vs. Deductions
        • Tax Filing for Beginners
        • How to Lower Your Tax Bill
        • Tax Deductions 101
        • Tax Credit vs. Tax Deduction
        • Earned Income Tax Credit
        • Sales Tax Deduction
        • Mortgage Interest Tax Deduction
        • Itemized Deductions
        • Popular Tax Credits Explained
        • Popular Tax Deductions and Tax Breaks
        • Qualifying for and Claiming the Saver’s Credit
      • Family
        • Child tax planning
        • Child tax credit
        • Child care credit
        • Dependent care credit
        • Maximizing the Child and Dependent Care Credit
        • The Child Tax Credit
        • Child Tax Credit Explained
        • Child and Dependent Care Credit Explained
      • Situations
        • Freelance taxes
        • Gig work taxes
        • Investment taxes
        • Capital gains taxes
        • Retirement taxes
        • HSA
        • Health savings accounts
        • How to File Taxes if You’re Freelancing
        • Capital Gains Tax Rates
        • Understanding Capital Gains Taxes
        • Contributing to HSA
        • How Side-Gig Income Affects Your Taxes
        • Saver’s Credit Explained
        • Tax Strategies for Side Hustles and Gig Working
        • What to Consider Before Moving to a State With No
        • Massachusetts State Income Tax
        • How to Use Health Savings Accounts to Lower Your
      • Planning
        • Tax planning & strategies
        • Tax strategy
        • Tax savings
        • Tax tips
        • Tax Mistakes that Trigger Audits
        • Tax-Advantaged Accounts for Education
        • Wealth Transfer
        • What to Know About Changing Your Tax Withholding
        • How to Choose the Right Tax Software for Your Tax
        • Tax Basics for New Investors
        • How Federal Tax Brackets and Rates Work
        • California State Income Tax Guide
        • Colorado State Income Tax
        • What Is a Marginal Tax Rate?
        • Illinois State Income Tax
        • Year-End Tax Checklist
    • Banking
      • Start hereBanking, without the fees you forgot you payChecking, savings and CDs, explained the way you’d tell a friend.Explore Banking ›14 guides · 215 articles
      • Basics
        • Banking basics
        • Open your first account
        • How to choose a bank
        • Compare banks
        • Bank fees
        • Best Online Bank Accounts
        • How to Open Your First Bank Account
        • Wire Transfer Fees
        • Returned Deposit Fees Explained
        • Open a Bank Account Online
        • Chase Banking
        • How to Avoid Bank Fees
        • Online Bank vs. Brick-and-Mortar
        • Online vs. Traditional Banking
        • Truist Banking Review
        • Switching Banks?
        • Chase vs. Wells Fargo vs. Capital One
        • Credit One Banking
        • Can a Bank Reopen a Closed Account?
        • How to Read Your Bank Statement Like a Pro
        • Can Someone Steal Money With Your Routing Number?
        • How to Setup a Personal Bank Account Online in 5
        • PNC Banking
        • Regions Banking
      • Checking & debit
        • Checking accounts
        • Best checking accounts
        • Debit cards
        • Best Checking Accounts with No Monthly Fees
        • Best Checking Accounts for High-Interest Earnings
        • Understanding the Time It Takes for a Check to Clear
        • Beginner’s Guide to Overdraft Protection
        • How to Mobile Deposit Checks for Beginners
        • Best Checking Accounts with Overdraft Protection
        • Maximizing Rewards
        • When to Stop a Check Payment and the Fees Involved
        • Second Chance Checking vs. Regular Accounts
        • Where to Buy Cheap and Affordable Personal Checks
        • Best Checking Accounts for Joint Accounts
        • How to Choose the Right Checking Account for Your
        • Cashing Checks at Any Bank
        • Best Checking Accounts with Excellent Mobile
        • Two Checking Accounts at One Bank
        • How Much Cash Should You Keep in Each Checking and
        • Begin Anew With Second Chance Checking in the U.S
        • Switching Checking Accounts
        • Overdraft Fees
        • Online vs. Traditional Banks
        • Missing Debit Card?
      • Savings & CDs
        • Savings accounts
        • CD Calculator
        • Understanding the Basics of Savings Account Minimum
        • Money Market Account vs. Savings Account
        • Savings Accounts vs. CDs
        • 5 Common Savings Account Fees You Should Avoid
        • High-Yield vs. Traditional Savings
        • How to Choose the Best High-Yield Savings Account
        • Learn How to Open a Savings Account in Simple Steps
        • Emergency Fund Essentials
        • Maximizing Interest
        • How to Calculate Interest Earnings in Your Savings
        • High-Yield Savings Accounts Explained
        • Determining the Right Number of Savings Accounts
        • How to Use a Money Market Account vs. a Savings
        • Savings Account Hacks for Travel Goals
        • When to Save and When to Invest
        • What is a CD and When It Makes Sense for Your
        • From CDs to Treasurys, What Happens to Yields When
        • CD and HELOC Fees
        • PNC High-Yield Savings Account Interest Rate
        • How I Chased Savings Rates at the Same Bank
        • Bread Savings CD Rates
      • Deposits & joint accounts
        • Joint bank accounts
        • Chase Joint Bank Accounts Review
        • Discover Joint Bank Accounts Review
        • How to Set Up Direct Deposit in Minutes
        • Bank of America Joint Accounts
        • Capital One Joint Bank Accounts
        • Beginner’s Guide to Early Direct Deposit with Banks
        • Wells Fargo Joint Bank Accounts
        • When to Open a Joint Bank Account
        • How to Open a Joint Bank Account Online
        • Regions Joint Account
        • TD Bank Joint Account
        • What Time Does Citizens Direct Deposit Hit?
        • What Time Does Netspend Direct Deposit Hit?
        • How to Set Up Direct Deposit With Chase
        • How to Set Up Direct Deposit on Cash App
        • How to Set Up Direct Deposit for Social Security
        • How to Set Up Direct Deposit Without an Employer
        • How Long Does Direct Deposit Take to Set Up?
        • How to Set Up Direct Deposit
        • How to Set Up Chime Direct Deposit, With or Without
        • Truist Joint Account
        • What Time Does Truist Direct Deposit Hit?
        • Wells Fargo Joint Account
      • Smarter & safer
        • Digital banking
        • Financial safety
        • Banking how-to guides
        • Banking tips
        • Best Ways for Managing Multiple Bank Accounts
        • Stay Safe from Check Scams
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    Home » News » How AI’s Big Appetite for Chips Hits Consumer Wallets
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    How AI’s Big Appetite for Chips Hits Consumer Wallets

    Discover why AI chip demand is raising prices and how to protect your tech budget.
    Thomas T.By Thomas T.June 27, 2026Updated:June 27, 20269 Mins Read
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    How AI’s Big Appetite for Chips Hits Consumer Wallets
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    Your laptop is about to cost more, your phone upgrade just got pricier, and that tiny memory card for your security camera? It might have doubled since you last checked. The reason traces back to a single force: AI’s insatiable demand for computer chips is squeezing consumers in ways most people haven’t noticed yet. Research firm Gartner projects computer prices could climb 17% in 2026, smartphones may rise 13%, and budget PCs under $500 could vanish from shelves entirely. Here’s what’s actually happening and what you can do about it.

    Why AI’s Hunger for Chips Is Draining the Consumer Supply

    The core problem is straightforward: AI companies are building data centers at a staggering pace, and those facilities need enormous quantities of high-end memory chips and storage components. According to the International Data Corporation (IDC), this demand has redirected manufacturing capacity away from consumer electronics.

    Think of it like a restaurant supply chain. If every major hotel chain suddenly orders ten times the usual amount of flour, your local bakery is going to struggle to get what it needs, and you’ll pay more for bread. That’s essentially what’s happening with chips.

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    Senior tech writer Rick Broida noticed the shift while researching home security cameras. The 128GB MicroSD cards he was shopping for had roughly doubled in price since his last purchase. These are the tiny, traditionally cheap cards people pop into cameras and drones without thinking twice. When those prices spike, it’s a clear signal that something deeper is going on.

    The 2026 Price Hikes You’re Already Paying

    The numbers tell a clear story. Here’s how AI’s big appetite for chips hits consumer wallets across major product categories this year:

    Product Category 2026 Price Increase Specific Example
    Laptops/PCs ~17% projected increase MacBook Pro M5: $100-$400 more than M4 models
    Smartphones ~13% projected increase Samsung S26/S26+: $100 more than S25 series
    Gaming Consoles $100-$150 increase Sony PS5 price bump effective April 2026
    Memory/Storage Varies widely 128GB MicroSD cards roughly doubled
    Budget PCs (sub-$500) Category may disappear Thin margins make production unprofitable

    The MacBook Pro M5, released earlier this year, runs $100 to $400 more than the M4 models from 2024. Samsung’s S26 and S26+ phones each carry a $100 premium over last year’s versions (though Samsung did bump the base storage from 128GB to 256GB, which softens the blow slightly).

    Sony raised PS5 prices by $100 to $150 in April 2026, citing “global economic pressures.” That’s a polite way of saying component costs are eating into margins, and some of that pressure ties directly to chip scarcity driven by AI demand.

    The Hidden “Techflation” Tax on Your Budget

    What makes this situation tricky is that it doesn’t show up as a single dramatic expense. It’s more like a slow bleed across multiple purchases throughout the year.

    • Your kid needs a laptop for school: That $450 Chromebook alternative? It may not exist anymore. Budget models are disappearing because manufacturers can’t make them profitably with higher component costs.
    • Your phone battery is dying: A new mid-range phone that cost $400 last year might run $450 or more now.
    • You’re building or upgrading a PC: RAM modules and high-capacity SSDs have gotten noticeably pricier and harder to find.
    • Even small accessories cost more: Memory cards, external drives, and USB storage all use chips that are being diverted to AI infrastructure.

    IDC predicts this disruption could be worse than the pandemic-era chip shortage from a few years ago. That’s a sobering comparison, because the 2020-2022 shortage made it nearly impossible to buy graphics cards, gaming consoles, or affordable laptops for months.

    A Few Bright Spots That Buck the Trend

    Not every product has gotten more expensive. A handful of manufacturers are finding creative ways to keep prices accessible, at least for now.

    • MacBook Neo ($599): Apple managed to release its cheapest MacBook ever during a chip shortage. At $599 with solid specs and appealing color options, it’s a genuine value. Whether Apple can maintain that price point remains an open question.
    • iPhone 17e ($599): Same starting price as last year’s iPhone 16e, but with better specs and more base storage. Apple absorbed the cost increase rather than passing it to buyers.
    • Google Pixel 10a ($499): A mid-range Android with respectable speed and features. It frequently drops below $499 during sales.

    “I’ll be curious to see if they don’t end up raising the price on that,” Broida says about the MacBook Neo. His skepticism is warranted. These affordable options may be loss leaders or strategic plays to maintain market share. If component costs keep climbing, even these budget-friendly devices could see price bumps in late 2026 or early 2027.

    How the Math Actually Works on Your Annual Tech Spending

    Most households don’t buy everything at once, so the impact sneaks up on you. Here’s a rough illustration of how a family’s tech spending might shift in 2026 compared to 2024:

    Purchase 2024 Approximate Cost 2026 Approximate Cost Difference
    Mid-range laptop $700 $820 +$120
    Smartphone upgrade $800 $900 +$100
    Gaming console $500 $650 +$150
    2x MicroSD cards (128GB) $20 $40 +$20
    External SSD (1TB) $80 $110 +$30
    Total $2,100 $2,520 +$420

    That’s an extra $420 for essentially the same tech you would have bought two years ago. For a single person, the number is smaller. For a family with multiple kids needing devices, it could be significantly higher.

    Smart Strategies to Protect Your Wallet

    You don’t have to just absorb these increases. Here are practical moves that can save you real money.

    1. Stretch Your Current Devices Further

    The cheapest gadget is the one you already own. Broida’s advice: “Try to extend the life of what you already have.”

    • Replace your phone battery instead of your phone. Apple Store battery replacements run around $100 depending on your model. Third-party repair shops often charge less. That $100 fix can buy you another two to three years with your current device.
    • Add RAM or swap in an SSD on older laptops. Many laptops from 2020-2023 can get a meaningful speed boost from a $50-$80 SSD upgrade. YouTube tutorials make this surprisingly doable.
    • Factory reset sluggish devices. Sometimes a phone or tablet that feels “old” is really just bogged down with apps and cached data.

    2. Buy Refurbished From Reputable Sellers

    The annual upgrade cycle means millions of perfectly good devices hit the resale market every year. That glut works in your favor.

    • Apple’s Certified Refurbished store offers devices with new batteries, fresh outer shells, and full warranties.
    • Back Market, Decluttr, and Amazon Renewed are solid options for Android phones and PCs.
    • Look for sellers that offer at least a 90-day guarantee against defects.

    A refurbished MacBook Air M3, for example, might save you $200-$300 compared to buying the current model new, and it’ll handle most tasks just fine for years.

    3. Track Prices Before You Buy

    Impulse purchases are expensive in any market, but especially when prices are volatile. Two free browser extensions can help:

    • Camelizer: Shows Amazon price history so you can see if the current price is inflated.
    • Keepa: Similar functionality with more detailed charts and price drop alerts.

    Set alerts for the products you want and wait for a dip. Retailers still run sales during Prime Day, Black Friday, and back-to-school season, and those discounts can offset some of the chip-driven inflation.

    4. Adjust Your Budget Expectations

    If you know you’ll need a new device this year, plan for it now. Padding your tech budget by $100 to $200 gives you breathing room and prevents sticker shock. Treat it like any other price increase: acknowledge it, plan for it, and look for ways to offset it elsewhere.

    Warning Signs That Prices May Climb Even Higher

    Keep an eye on these indicators through the rest of 2026:

    • Data center construction announcements: Every new AI facility announced means more chip demand pulled from consumer markets.
    • DRAM and NAND flash spot prices: These are the raw materials for your device’s memory and storage. Industry trackers like TrendForce publish regular updates.
    • Budget product discontinuations: If manufacturers start pulling more sub-$500 laptops or sub-$300 phones from their lineups, it signals that margins have gotten too thin.
    • Tariff and trade policy shifts: Any new restrictions on chip imports or exports could amplify existing shortages.

    None of this means you should panic-buy electronics. But being aware of the trend helps you make smarter timing decisions.

    A Quick Reality Check

    This situation isn’t permanent. Chip manufacturers are expanding production capacity, and new fabrication plants are coming online over the next few years. The squeeze should ease eventually. But “eventually” could mean 2027 or 2028, and your budget has to survive until then.

    The smartest move you can make right now? Take 15 minutes this week to audit your household’s tech needs for the next 12 months. Figure out what you’ll actually need to replace, what can be repaired, and what can wait. That simple exercise could save you hundreds of dollars.

    Frequently Asked Questions

    Why are AI companies causing chip shortages for regular consumers?

    AI data centers require massive amounts of high-bandwidth memory (HBM), DRAM, and NAND flash storage. Chip manufacturers like Samsung, SK Hynix, and Micron have shifted significant production capacity toward these high-margin AI components. That reallocation means fewer chips are available for consumer devices like laptops, phones, and storage drives. The result is constrained supply and higher prices for everyday electronics. IDC has indicated this disruption could exceed the pandemic-era chip shortage in severity.

    How much more should I expect to pay for a new laptop or phone in 2026?

    Gartner projects roughly a 17% increase for computers and 13% for smartphones in 2026. In dollar terms, that could mean $100 to $200 more for a mid-range laptop and $75 to $150 more for a smartphone compared to equivalent 2024 models. Premium devices with more memory and storage will see the steepest increases since those components are most directly affected by AI demand.

    Are budget laptops and phones really disappearing?

    Gartner predicts that sub-$500 PCs could largely vanish from the market because rising component costs make them unprofitable for manufacturers. Some budget options still exist: Apple’s $599 MacBook Neo and Google’s $499 Pixel 10a are notable exceptions. But the overall trend is toward fewer affordable choices, and whether these current budget models maintain their prices through late 2026 remains uncertain.

    Is buying refurbished electronics a safe alternative?

    Yes, when you buy from reputable sources. Apple’s Certified Refurbished program, Amazon Renewed, Back Market, and Decluttr all offer tested devices with return policies or warranties. Refurbished doesn’t mean broken: it typically means a device was returned, inspected, repaired if needed, and resold at a discount. You can often save 20-30% compared to new prices. Just confirm the seller offers at least a 90-day guarantee and check the device’s battery health rating before purchasing.

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    Thomas T.

    Thomas is a Personal Finance Writer and Financial Content Strategist with over 10 years of experience helping individuals make smarter financial decisions. He specializes in topics such as budgeting, debt management, saving strategies, and financial behavior, translating complex financial concepts into clear, actionable guidance. His work focuses on empowering readers to build sustainable financial habits and confidently navigate their financial lives, combining data-driven insights with practical, real-world advice.

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