Set money aside for investments, your emergency fund, and savings goals. A four-minute payday routine for service business owners.
Tell Wealthsplitter your accounts and your goals. When money lands, enter the amount and get a checklist of exactly how much to move where. Make the transfers at your bank, check them off, and you're further ahead every payday: investments fed, emergency fund topped up, goals closer.
No budgeting, no expense tracking, no bank connection.
Fresh out of setup: checking fills with priority, the rest splits between your accounts
"It helps me get a VERY clear picture of how much I'm investing per month and saving etc which is very good to know as a person with irregular income- Lucas W., Owner, Painting Contractor
"It takes guesswork out of the picture, can be customized (even as I grow) and I can now focus on what is important and what I am good at. Super simple, super effective.- Melissa O., Owner, Interior Design
Making good money but not getting ahead?
The business is doing well. Income lands, bills get paid, and there's usually something left over. But the leftover never turns into anything. It sits. A little gets spent here and there, but the investment account looks the same as it did last year.
Nothing went wrong. But nothing moved forward.
Wealthsplitter moves you forward.
Why this is better than a budget
You've probably tried tracking every dollar. It's a part-time job, and it never sticks. Winging it doesn't work either. Wealthsplitter is the middle. That's why it's easy.
Make your system once. When money lands, follow the routine. Investments, the emergency fund, and your goals get their cut first, and whatever's left in checking is for bills and groceries. Set aside money, spend the rest.
Getting paid is a four-minute routine and spending is a glance at your balance. No willpower required. It works because it's easy and you'll stick to it.
It's the same setup money coaches and financial planners build for their clients: every dollar split, and your money organized the day it arrives.
Tidy, not micromanaged.
No credit card required
35-day free trial, then $9.99/mo or $79/yr
How it works
Answer a few questions
Tell us which accounts you have (checking, savings, investments), what you're saving for, how you get paid, what your last payment was, and roughly what your essentials cost each month. We build your system from your real life, not a template.
Every account gets a percentage, so the split works whether the deposit is big or small.
Money lands, you run your routine
Enter the amount. See the exact dollars to move into each account. Check off each transfer as you make it, right from your phone.
Then your money's exactly where it should be when you need it.
Set a reminder and we'll email you around your next payment.
See what you're on pace to save and invest
Across good months and lean ones, the stats screen shows what you've actually put toward each account: totals, monthly averages, and how each split went.
And the projection shows where the routine takes you: what you're on pace to put into investments, your emergency fund, and your goals over the next six months if you keep running it.
Spot what needs adjusting and adapt over time. Know your system is working, not just hoping.
No credit card required
35-day free trial, then $9.99/mo or $79/yr
We'll help you make it stick
The routine is effortless once you get used to it. We ask when you usually get paid and remind you on time, so it becomes automatic. Soon you'll look forward to moving the money.
Paid on a different day than we expected? Reply to the email and I'll fix your reminder.
It grows with you
Start with the simple system we build for you. When you want more, the full builder is underneath: tweak how much goes to each account, give an account priority so it fills first, cap one at $20k a year, group accounts inside accounts, and mix percentages with fixed amounts. Keep a "what if" system to test a new split, or separate systems for different people or situations. Add instructions to any checklist item so whoever's running the routine knows exactly what to do. See everything the system builder can do.
This method is 100 years old
This is a "Pay yourself first" system. The idea goes back to The Richest Man in Babylon in 1926. Elizabeth Warren wrote 50/30/20. Mike Michalowicz wrote Profit First. Ramit Sethi calls it the Conscious Spending Plan. The core idea: your money gets split the day it arrives, then it's there when you need it.
Tens of thousands of people run this method, and Wealthsplitter is finally here to support it.
No credit card required
35-day free trial, then $9.99/mo or $79/yr
Why I built Wealthsplitter
I had irregular expenses and freelancing income, so the amount to manage changed month to month. I got tired of figuring out how much money to put in each of my savings buckets every time I got paid.
Me at a friend's wedding in Banff in 2023At first, I made a simple spreadsheet to help me. Then I saw other people online looking for the same kind of help. So I turned this spreadsheet into an app. It started as a way to split my income. Now it's the tool I use every time I get paid.
Over two years of use, I've tracked $91K+ at a 99% compliance rate. Every Wealthsplitter subscription goes through the same buckets.
Wealthsplitter is built by just me in Victoria, British Columbia, Canada 🇨🇦.
I've been building software products and leading high performing software teams for over 15 years. With Wealthsplitter, you'll get a carefully designed, stable, affordable system. I don't have any investors, just my customers.
I'd be so happy to have you as one of them.
No credit card required
35-day free trial, then $9.99/mo or $79/yr
Frequently asked questions
Do I have to budget?
No. There are no categories and nothing to track. You set up your accounts once, move money when you get paid, and check your balance before you spend.
What if my income is irregular?
Perfect, you're who it was built for. Percentages don't care whether it's a $900 week or a $4,200 week. Every payment splits the same way, and you always see exact dollar amounts. More on splitting irregular income.
What if my income is regular?
It works the same, just simpler. Pick your pay cadence and every paycheck splits the same way.
Do I need all these accounts?
No. Start now with what you have. Checking and savings is plenty, but investments and an emergency fund are the ones that get you ahead.
Can it set aside money for taxes too?
Yes. Add a taxes account, pick a percentage, and that slice comes off the top of every payment before the rest splits across your accounts. Adjust it anytime as you learn your real rate.
Why doesn't this track my expenses?
Unless you're behind, expense tracking is overkill. If you've already put away what you need for investments, your emergency fund, and your goals, it doesn't matter if you spent a little extra on fun this month. Wealthsplitter focuses on what gets you ahead: organizing it all right at payday.
Is this like YNAB?
No. YNAB is budgeting, and it's built around giving every dollar a job and tracking every transaction. Wealthsplitter only cares about the moment you get paid: move the right amounts into your accounts, then go live your life. See the full comparison.
How is this different from a spreadsheet?
Your spreadsheet works, but you have to open it, plug in the number, and hope the formulas still work every time. There's no record of whether you actually moved the money. And good luck using it on your phone when the payment notification hits. Wealthsplitter does the math instantly, keeps the record, and works on any device. More on why percentages work.
Does it connect to my bank?
No, and on purpose. The simpler the routine, the more likely you'll stick with it. You enter one number on payday, so Wealthsplitter never needs your bank password, your balances, or your transactions. Your money stays between you and your bank.
Is this secure?
Yes. Your financial data is stored securely and is never shared with third parties. All data is encrypted in transit and at rest. I've been making software since 2009, so this stuff is second nature to me.
Can I cancel anytime?
Yes, you can cancel your subscription at any time. You'll continue to have access until the end of your billing period.
What happens after the free trial?
After your 35-day free trial, pick a plan to keep going: $9.99 USD/month or $79 USD/year (4 months free). You can cancel anytime during the trial with no charge.
Do you offer refunds?
Yes, the guarantee is simple: run your system for six months, and if your finances aren't easier, reply to any of my emails and I'll refund you. Cancel anytime.
No credit card required
35-day free trial, then $9.99/mo or $79/yr