THE PAY YOURSELF FIRST CALCULATOR
Being busy doesn't guarantee you're paid properly.
Clarity does.
Turn your personal expenses into a clear business income target, so you can stop guessing and start paying yourself consistently.
Just AUD $47 · Instant Access · Money-Back Guarantee
SOUND FAMILIAR?
Your business makes money.
So why aren't you?
You're working hard, the money is coming in, and yet somehow you're still not paying yourself what you deserve or paying yourself at all.
It's not because you're doing something wrong. It's because you don't have a clear number to work toward. Without knowing exactly what your business needs to earn for your life, you'll keep spinning your wheels.
You're making decent money, but your bank account doesn't show it
Every time tax season arrives, your stomach drops
You reinvest everything back into the business and never actually pay yourself
You don't know what you can "afford" to take home
It feels like an either/or: pay your team or pay yourself
The problem isn't your hustle.
The problem is you've been running your business
without a clear income target.
THE SOLUTION
The Pay Yourself First Calculator
This isn't complicated theory or a generic spreadsheet. It's a simple, step-by-step calculator that takes your real personal expenses and turns them into a clear, specific business income target.
By the time you're done, you'll know exactly how much your business needs to make and exactly what you can pay yourself.
No jargon. No overwhelm. Just clarity.
What's Included
Step-by-step income goal calculator
Personal expenses to income worksheet
Business income target formula
Clear "pay yourself first" framework
Simple system - no complicated spreadsheets
Instant digital access, work through it today
IS THIS FOR YOU?
🔥 This calculator was made for you if ...
✅ Your business makes money, but you’re not sure what you can pay yourself
✅ You feel busy but not financially clear
✅ You want to pay yourself consistently
✅ You want a simple system, not complicated spreadsheets
✅ You want your business to support your life
REAL RESULTS
Business owners who finally paid themselves properly
Every time tax time came around, I used to feel sick to my stomach and freak out about where we were going to find the money. Now I don't get that anxious feeling anymore. She made it super simple, taught me exactly where the money needed to go.
KAT CLARK
Business Owner
We came in making about 10K per month. Now we're making 57K to 85K per month, and I really attribute that to how much profit we actually take home and how we pay ourselves. When we started, we didn't pay ourselves anything. My business isn't a cash-guzzling monster anymore. It's actually something that provides for me.
BEN MCDOWELL
Online Business Consultant
I've worked with various bookkeepers over 9 years in business, and I can confidently say I am most happy with Najma. Beyond her bookkeeping genius, she has a wonderfully kind nature and genuinely cares about the people she works with.
DR FIONA ENKELMAN
Former Medical Doctor & Online Transformation Coach
YOUR GUIDE
Hi, I'm Najma, and I'm invested in getting you paid.
I'm a Profit First Coach & Money Habit Mentor, former CFO, and the woman who genuinely understands why smart, hardworking business owners still struggle to pay themselves.
After years of working in major banks and as a CFO for a national retailer, I've seen firsthand that the problem almost always comes down to one thing: no clear income target.
The Income Goal Calculator is the very first step I walk every single client through. It works because it starts with your real life, your actual expenses, your actual needs and builds your business income goal around that. Not the other way around.
I've worked with hundreds of business owners to go from cash flow calamity to money mastery. And I refuse to let you keep guessing when the answer is this simple.
💧 For every profit milestone I hit, I fund a well for a community in need. To date I've built over 100 wells, contributing to clean water access for over 10 thousand people through Human Appeal so young girls can go to school. When your business is profitable, everyone wins.
🛡️
Money-Back Guarantee
If you work through the calculator and don't feel more clarity and confidence about what your business needs to earn and what you can pay yourself,
I'll refund your purchase - no questions asked.
Stop guessing.
Start paying yourself
what you deserve.
Get the step-by-step income goal calculator that tells you exactly what your business needs to make and what you can take home.
$47
AUD · One-Time · Instant Access
💛 Money-back guarantee · No questions asked
©️Cash Flow Clarity 2026