Capital One Login

Expect more from your bank. Capital One Login offers easy-to-use account tools in our top-rated mobile app. You decide when, where and how to bank—and we’ll go with you.

Take action and focus on your emergency savings first

Before you start investing for the future, make sure you have enough savings to weather unforeseen expenses.

You’ll want to have at least six weeks of income set aside in a separate account. This account should be for emergencies only.

Don’t be discouraged if you haven’t built your emergency savings yet. We may be able to help.

Our My Savings Plan tool is an automated way to help you build your savings.

Expenses and income needs in retirement

Developing a retirement income plan requires a clear understanding of what your expenses in retirement will be.

There are two broad types of expenses that you will need to cover in retirement: basic needs and discretionary needs.

  • Basic needs: Basic needs are your necessities—ongoing, Capital One Login non-discretionary expenses like food, shelter, transportation, health care, and other essentials. You should look to cover these expenses first through consistent sources of income, such as Social Security, and pensions.

  • Discretionary needs: The retirement lifestyle you choose may include activities that are important to you, but not essential such as travel or entertainment. Your consistent income sources may not be sufficient to pay for your basic needs and discretionary expenses. Plan on paying for these discretionary expenses with other sources of income so that adjustments can be made to your budget as fluctuations occur.

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