Your percentages. Your categories. Your system.
Build any income allocation system, no matter how complex. $3,000 or $8,000, it splits the same way. See what's working and adapt over time.
Build, split, track (1 min)
No credit card required
35-day free trial, then $79 USD/year
"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
"As a service based business owner, irregular income was one of the reasons I was hesitant to start my own business.
Since I started using Wealthsplitter, it has helped me by automating and dividing my monies any time I collect payment. 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
Build any system
Nested buckets
Build the system you already have in your head. Put 20% towards savings, then split that into emergency fund, investments, and vacation. Go as deep as you need.
Sub-buckets split their parent's share automatically.
Percentages, amounts, or both
Some buckets are always the same ($1,500 for rent). Others should scale with whatever you earn (20% to savings). If it's a $2,000 month or a $10,000 month, your percentages handle it.
The income tester lets you preview any amount before you commit.
Multiple bucket sets
Your system today, your system next year. Save as many setups as you need and switch between them in a tap.
Build a plan for your spouse or partner. Or keep a "what if" set to try a new split before committing to it.
Fine-tune every bucket
Add instructions to any bucket so you know exactly what to do on payday ("Transfer to Marcus HYSA ending 4521"). They show up right on the transaction.
Control which buckets create transactions and which ones auto-complete. Parent buckets that just organize sub-buckets? Turn off their transactions entirely.
Every time you get paid, instantly split
Enter your income. Watch it split through every bucket in your system. No formulas, no manual math, no spreadsheet to maintain.
Each bucket creates a transaction with the exact dollar amount. Check them off as you move the money.
Stats and tracking
Your system isn't done. As your life changes, your percentages should change with it. The stats screen shows you what's actually happening:
- Total and average earned
- Total and average deposited per bucket
- Success rate per bucket
Spot what needs adjusting and adapt over time. Know if your system is working, not just hoping.
No credit card required
35-day free trial, then $79 USD/year
Why Wealthsplitter?
- I have no outside investors, and never will. This keeps Wealthsplitter affordable and useful. I only answer to you: my customers.
- I've been coding and leading software projects professionally since 2009, serving thousands of customers. All my experience is reflected in Wealthsplitter. It's reliable, fast, and secure.
- I've led dozens of successful software projects. Wealthsplitter is carefully designed and ruthlessly focused.
- Wealthsplitter started in 2023, and isn't going anywhere.
No credit card required
35-day free trial, then $79 USD/year
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.
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 $79 USD/year
Frequently asked questions
Can I replicate my existing bucket setup?
Yes. The bucket builder supports any structure: percentages, fixed dollar amounts, or a mix of both. You can nest buckets as deep as you need and create multiple bucket sets to compare strategies.
Is this built for irregular income?
Yes. Percentages are the whole point. Whether you earned $2,000 this month or $12,000, your buckets split the same way. No recalculating, no adjusting formulas. It just works. Read more about percentage-based buckets.
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, tracks whether you follow through, and works on any device. More on why percentages work.
How granular can the bucket nesting get?
As granular as you want. Sub-buckets split their parent's share automatically. For example, 20% to Savings, of which 60% goes to an emergency fund, 25% to investments, and 15% to vacation.
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.
Does it connect to my bank?
No, Wealthsplitter doesn't connect to your bank accounts. You manually log your income and transactions. This keeps things simple and secure, and keeps you in control.
Why doesn't this track my expenses?
If you've already put away everything for your goals (down payment, retirement, emergency fund), it doesn't matter if you spent too much on food this month. Expense tracking is useful once in a while to course-correct, but you don't need to do it every day. Wealthsplitter focuses on the decision that matters most: where the money goes when it arrives.
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, if you've added a payment method, you'll be charged $79 USD per year for full access. You can cancel anytime during the trial with no charge.
Do you offer refunds?
Yes, I offer a 30-day money back guarantee. If you're not satisfied, let me know and I'll refund your payment.
No credit card required
35-day free trial, then $79 USD/year