Pay Yourself First Calculator | Why You Feel Broke Despite Earning Good Money
💰 Pay Yourself First

Where Does Your Paycheck Actually Go?

You earn decent money. So why does it feel like there's never anything left? This assessment shows you exactly where your paycheck disappears—and the one change that fixes it.

1

Your Erosion Map

See exactly how taxes, bills, and spending consume your income before "future you" sees a dime.

2

Your Real Savings Rate

The one number that determines whether you'll build wealth or stay stuck. Most people don't know theirs.

3

The One Fix

Not 10 tips. ONE change that redirects your financial future—with the exact dollar amount to automate.

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Step 1 of 4

Let's get your real numbers

We need these to calculate exactly where your money goes. Be as accurate as possible—check your pay stub if you need to.

Your Monthly Income

Check your pay stub: "Gross Pay" is before taxes, "Net Pay" is what you actually receive.

$
Before any taxes or deductions
$
What actually hits your bank account

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Step 2 of 4

Where does your money go each month?

$
Rent/mortgage, car payment, insurance, utilities, subscriptions, minimum debt payments
$
Food, gas, entertainment, shopping, dining out—spending that varies month to month

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Step 3 of 4

Your current savings behavior

When your paycheck hits your account, what happens FIRST?
Bills and spending happen, I save what's left
If there's anything remaining at month end, it goes to savings
I manually transfer to savings when I remember
I try to move money, but it's not automatic
A fixed amount automatically moves to savings/investments
Before I can touch it, money goes to my future
Enter dollar amount (e.g., 500) or percentage with % symbol (e.g., 15%). Include: 401(k) contributions, automatic transfers to savings, automatic investment contributions. Enter 0 if nothing is automated.
Does your employer offer a 401(k) or similar retirement plan with matching?
No employer retirement plan available
Yes, but I'm not enrolled
Enrolled, but my employer doesn't match
Enrolled, getting some match but not the full amount
Enrolled and capturing the full employer match

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Assessment Complete

Final reality check

Have you ever looked at your paycheck and thought "where did it all go?"
Constantly—I feel broke despite earning decent money
Sometimes—money seems to disappear
Rarely—I generally know where my money goes
If I asked you to increase your automatic savings by $300/month starting next paycheck, your honest reaction would be:
"Impossible—I'm already stretched thin"
"Painful, but probably doable if I cut something"
"I could do that without major changes"
When an unexpected $500 expense hits, what happens?
Credit card—I don't have the cash available
I scramble to move money around from different accounts
Covered—my emergency fund handles it without stress

Ready to Accelerate Your Wealth?

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Your Pay Yourself First Reality Check

Here's exactly where your money goes—and how to redirect it

What's Working

Ready to Accelerate Your Wealth?

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Pay Yourself First Assessment Report

Generated from Future Millionaire Playbook

Future Millionaire Playbook

www.FutureMillionairePlaybook.com

© 2026 Raymond Sura, CRPC®, EA. All rights reserved.

Disclaimer: This report provides educational information only. Calculations assume 7% inflation-adjusted returns and historical tax rates. Actual results will vary. Consult a qualified financial advisor for personalized advice.