Get ahead with your money. A four-minute payday routine for variable income.
Set it up once from your real accounts. Then every payday:
- Enter the amount that landed.
- Get a checklist of exactly how much to move where.
- Make the transfers at your bank and check them off.
Four minutes: retirement, emergency fund, and savings goals all taken care of. No budgeting, no expense tracking, no bank connection.
Six months in, you'll be ahead with your money.
"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/Operator, 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/Operator, Interior Design
Finally, an app for your payday routine
Maybe you already split every payment into your accounts. You do the math in your head or in a spreadsheet, and it works. But it's on you every time, some paydays it slips, and there's no easy way to try a different split or see what it's all added up to.
Or maybe you make good money and the leftover never turns into anything. It sits in checking, a little gets spent here and there, and the retirement account looks the same as it did last year.
Variable income makes both harder. When the amount changes every time, so does the right amount for each account, and automatic transfers can't keep up.
Wealthsplitter does the math, gives you a four-minute checklist, and shows you what you did and what you're on pace for. When you want more, it grows with you.
Why this works
Your payday routine is the 80/20 of personal finance. Get it going and you'll get ahead with your money.
Set it up once, then run it every time money lands. Retirement, 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. Wealthsplitter makes it easy, so you'll stick to it.
It's the same setup money coaches and financial planners build for their clients.
From $6.58 USD/mo
3-month money-back guarantee
How it works
Answer a few questions
Tell us which accounts you have (checking, savings, retirement), 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 payday routine from your real life, not a template.
If you're missing an account your goals need, like an emergency fund, we'll add it to your routine and check in on payday to help you get it open.
Even if you get paid from more than one place, your routine covers them all.
Money lands, you run your routine
Enter the amount, make the transfers, check them off, 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
The stats screen shows what you've actually put toward each account: totals, monthly averages, and how each split went.
The projection shows you what you're on pace to put into retirement, your emergency fund, and your goals if you keep running it.
Spot what needs adjusting and adapt over time. Know your routine is working, not just hoping.
From $6.58 USD/mo
3-month money-back guarantee
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.
It grows with you
Start with the routine we build for you. When you want more, the full builder is underneath:
- Tweak how much goes to each account
- Cap how much an account gets per month, per year, or in total, like $10k for your emergency fund
- See your whole routine at a glance with a routine diagram
- Unlimited routines. Test a "what if" split, make a routine per income source, or keep separate routines for different people or stages of life
See everything the routine builder can do.
An example of a sophisticated routine from a Wealthsplitter user: Taxes come off the top first, self-employment tax stops at its yearly cap, and what's left splits four ways. Swipe to see the whole routine.
This method is 100 years old
This is a "Pay yourself first" routine. 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.
From $6.58 USD/mo
3-month money-back guarantee
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 split $91K+ through it. 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 app. I don't have any investors, just my customers.
I'd be so happy to have you as one of them.
From $6.58 USD/mo
3-month money-back guarantee
Frequently asked questions
Do I have to budget?
Thankfully, no. There are no categories and nothing to track. You set up your accounts once, move money when you get paid, and spend what's left in checking.
What if my income is irregular?
Perfect, you're who it was built for. Your routine uses percentages, and they don't care whether it's a $900 payment or a $4,200 payment. Each one splits the same way. You always see exactly how much to move.
What if my income is regular?
If the same amount lands on the same day every time, automatic transfers at your bank might be all you need. Wealthsplitter is awesome when the amount changes, or when what's left after bills does.
Do I need all these accounts?
Start now with what you have. Getting in the habit of setting money aside is the most important thing. When you're ready, retirement 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.
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 retirement, 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: setting aside what matters on payday.
Is this like YNAB?
No. YNAB is budgeting, which is overkill. Wealthsplitter is the 80/20 of personal finance: 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 it's clunky and limited. Wealthsplitter gives you an easy-to-use checklist, stats and projections based on what you actually moved, and it works on your phone when the payment notification hits. It also handles what spreadsheets make hard: guided setup, several routines, accounts grouped inside accounts, a leftover account that catches the rest, choosing which accounts get a transfer, and instructions on each checklist item.
Does it connect to my bank?
No, and on purpose. Wealthsplitter keeps your attention on what gets you ahead, not on what you spend. Habits stick when they're small and happen at the same moment every time. Your four-minute checklist is small, and payday is the right moment. You enter one number, 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.
How much does it cost?
$9.99 USD/month or $79 USD/year (4 months free). Both include a guided setup that builds your payday routine with you in about 5 minutes, plus help from me by email whenever you're stuck. There's no free trial. Instead, there's a 3-month money-back guarantee. Take the 3-payday challenge: run your routine on your first 3 paydays and earn a free month ($9.99 USD value).
Do you offer refunds?
Yes, the guarantee is simple: run your payday routine for three months, and if your finances aren't easier, reply to any of my emails and I'll refund you. Cancel anytime.
From $6.58 USD/mo
3-month money-back guarantee