Spending & Budgeting
Life can come at you quickly. Having a good understanding of your financial situation can help when you need to make financial decisions, both planned and unexpected.
Spending & Budgeting Guides
Select from the spending & budgeting topics below to be guided through an interactive, educational experience that gives you information on strategies, products, and behaviors that can help you plan to reach your goals.
Our calculators can help you learn how to estimate monthly payments and interest rates for personal loans, home equity lines of credit (HELOC), credit cards and more.
Our calculators can help you learn how to estimate monthly payments and interest rates for personal loans, home equity lines of credit (HELOC), credit cards and more.

What Is Home Equity and How Can You Use It?
Learn answers to the most popular questions surrounding what home equity is and how you can use it for your financial needs.
Featured Products
Credit Cards
In addition to their flexibility and convenience, certain credit cards can also provide you with rewards.
Personal Loans
Whether you need to fund a home project, pay off debt, or just need extra cash, we’re here to help.
Explore Other Solutions
We offer flexible credit and loan solutions for managing your various expenses, and M&T Money Smart can give you a clear view in all your accounts in one place.
Featured Products
Credit Cards
In addition to their flexibility and convenience, certain credit cards can also provide you with rewards.
Personal Loans
Whether you need to fund a home project, pay off debt, or just need extra cash, we’re here to help.
Explore Other Solutions
We offer flexible credit and loan solutions for managing your various expenses, and M&T Money Smart can give you a clear view in all your accounts in one place.
Reach out today for tailored banking solutions from M&T Bank.

Get assistance
Find a time that works for you
Visit one of our branches