Get ahead with your money. A four-minute payday routine for service business owners.
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: investments, 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
Making good money but not getting ahead?
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.
Or you already set money aside, but it's work. Every payment means opening the spreadsheet or doing the math in your head, and some paydays it just doesn't happen.
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 moves you forward.
Why this works
Set up your payday routine once, then run it every time money lands. 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 payday routine 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, 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
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 routine 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 payday routine 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" routine to test a new split, or separate routines 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 routine builder can do.
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.
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 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.
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 spend what's left in checking.
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?
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?
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. Wealthsplitter does the math instantly, keeps a record of what you actually moved, and 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. 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 payday routine 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