People often have difficulty saving money for future goals.  This calculator will help you explore ways "to find" extra cash without having to get a second or third job.  For example, you might decide that you would like to give up a $4 per day smoking habit.  If you quit smoking, and at the end of each year invested the money that you would have spent on cigarettes, how much would your "Quit-Smoking Investment" be worth after 10 years if you received a 3% return on your money?  Try this example--the result might surprise you.  First, fill in the Activity, Cost, and Frequency boxes in the calculator above.  Next, select the appropriate time interval from the drop-down menu in the frequency section (Week is the default, but you may also select Day, Month, or Year).  Then click the "Calculate Yearly Savings" button.  Finally, fill in the Years and % boxes and click the "Calculate Total Nestegg" button. You can go back and modify one or more of your entries at any time. However, you will need to re-click the appropriate button(s) to recalculate the Yearly Savings and/or Total Nestegg amounts. (Note:  You may analyze up to four behaviors at one time.)

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