Abstract: A method for automatic electronic saving of change over the whole dollar amount of purchases using cash, debit cards, credit cards, or any combination of cash, debit cards, and credit cards. For cash purchases, change from the purchase is transferred into the user's designated account by transferring the change from the purchase into the user's account through a point of sale machine. For debit card and credit card purchases, the automatic savings transfers occur through the user's checking and/or credit card account. The purchase is rounded up to the nearest whole dollar amount or other amount the user elects to have purchases rounded up to. The difference is automatically transferred into a separate account. The method works best if all of the monies saved from the method are transferred into an interest bearing account elected by the user that is separate from the users normal checking and saving accounts.