Budgeting for irregular income
Know exactly what to move into each account every time you get paid, taxes included. Tell us about the accounts you have and how you're paid, and we'll build your system in minutes. No expense tracking, no bank connection.
Built for freelancers, contractors, commission, and anyone paid unevenly.
No credit card required
35-day free trial, then $7.99/mo or $79/yr
"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
No more "what do I do with this one?"
A $4,200 month, then $900, then nothing for three weeks. Every deposit turns into the same questions: how much is safe to spend? How much should go away for taxes? Did I put anything into savings this month?
Next time a payment hits, enter it and you'll see exactly what goes where in seconds. Big deposit or small, no math and no second-guessing.
How it works
Answer four questions
Tell us about the accounts you already have (checking, savings, taxes), how you get paid, and what your last payment was. 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.
Taxes come off the top
Nobody's withholding for you. So your system sets aside a slice of every payment for taxes first, then splits what's left across your accounts.
The money's already there when the bill shows up.
A payment lands, you split it
Enter the amount. See the exact dollars to move into each account. Check off each transfer as you make it, right from your phone.
Set a reminder and we'll email you around your next payment, so the habit doesn't depend on your memory.
No credit card required
35-day free trial, then $7.99/mo or $79/yr
Know if it's working
Your system isn't done after one good month. Across good months and lean ones, the stats screen shows you what's actually happening:
- Total and average earned
- Total and average deposited per account
- Success rate per account
Spot what needs adjusting and adapt over time. Know if your system is working, not just hoping.
It grows with you
Start with the simple system we build for you. When you want more, the full builder is underneath: nest accounts inside accounts, cap a bucket at $20k/yr for taxes, mix percentages with fixed amounts, keep a "what if" system to test a new split. See everything the system builder can do.
No credit card required
35-day free trial, then $7.99/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 $7.99/mo or $79/yr
Frequently asked questions
What counts as irregular income?
Freelancing, contracting, commission, tips, seasonal work, a business that pays you unevenly. If your deposits vary in size or timing, that's who this is built for.
What if my income is regular?
It works the same, just simpler. Pick your pay cadence and every paycheck splits the same way. Percentages don't care whether the number changes.
How does the tax set-aside work?
You pick a percentage (we suggest 25% to start). Every payment, that slice comes off the top first, and the rest splits across your accounts. Adjust it anytime as you learn your real rate.
Why doesn't this track my expenses?
For most people, daily expense tracking is overkill. If you've already put away what you need for your goals (down payment, retirement, emergency fund), it doesn't matter if you spent a little extra on food this month. Tracking every expense feels productive but it doesn't change the outcome. Wealthsplitter focuses on the one decision that does: where the money goes when it arrives.
Is this like YNAB?
No. YNAB is 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, tracks whether you follow through, and works on any device. More on why percentages work.
Does it connect to my bank?
No, and on purpose. Bank connections add complexity an allocation tool doesn't need: permissions to manage and broken syncs to debug. You enter income manually when it arrives, see your splits, and move the money. Two minutes, no bank link required.
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.
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: $7.99 USD/month or $79 USD/year (2 months free). You can cancel anytime during the trial with no charge.
Do you offer refunds?
Yes, I offer a 6-month 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 $7.99/mo or $79/yr