# How to create a savings program

You can create savings programs with `Fixed` and `Flexible` strategies and enable your clients to invest their funds in these programs and earn interest.

To create a savings program:

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Navigate to **Savings** > **Presets**.
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Click **+Create** in the upper-right page corner, and select:

* **Fixed preset** — to create a program with a fixed interest rate
* **Flexible preset** — to create a program with a flexible interest rate
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Configure the following general settings:

* In the **Currency** dropdown, select a currency for the savings program. To subscribe to the program, your clients must have wallets denominated in the program currency.
* In the **Name** field, enter a unique name for the savings program. The program name is displayed to clients in the B2CORE UI.
* In the **Description** field, enter a program description. The program description is displayed to clients in the B2CORE UI.
* Set the **Status** option to **Active** or **Inactive**.
  * If **Active**, the card showing details of the savings program is displayed in the B2CORE UI, and clients can subscribe to the program.
  * If **Inactive**, the card of the savings program isn’t displayed in the B2CORE UI.
* In the **Admission fee** field, enter a fee amount that clients must pay when subscribing to the savings program. The admission fee is deducted from client wallets denominated in the program currency. The admission fee can be specified as an integer or decimal value. If you don’t want to charge the admission fee, enter 0 (zero).
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{% step %}
Proceed to configuring settings specific to the selected savings strategy:

* [Configure the Flexible strategy settings](https://docs.b2core.b2broker.com/how-to-articles/manage-savings-programs/how-to-create-a-savings-program/configure-the-flexible-strategy-settings)
* [Configure the Fixed strategy settings](https://docs.b2core.b2broker.com/how-to-articles/manage-savings-programs/how-to-create-a-savings-program/configure-the-fixed-strategy-settings)
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After configuring the settings, click **Save** to create the savings program.
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The savings program preset is displayed on the **Savings Preset** page.

If the preset is assigned the **Active** status, the card of the created savings program is displayed to clients in the B2CORE UI, and clients can subscribe to the program.