Pay Yourself First

Pay Yourself First Calculator

The Pay Yourself First Calculator flips the usual order so saving comes before spending instead of after. You enter your monthly income, the percentage you want to set aside first, an investment return, and a time horizon, and it returns the future value, the automatic transfer amount, and how much of the total came from growth rather than deposits. Use it when you keep meaning to save more but never seem to have anything left at month end. Moving a fixed percentage the day you get paid makes saving automatic and spending the variable, which is the order that actually builds wealth. The future value shows what that one habit is worth over time.