Enter your paycheck and see exactly where your money should go.
$3,500 in spending. But for what?
How much goes to housing vs. food vs. transportation? Swipe to see how each bucket breaks down into specific goals.
Wealthsplitter lets you create sub-buckets like these. Every time you get paid, you see the exact dollar amount for each one.
Next time you get paid
Will you remember this split? Will you actually move the money? Most people do the math once and never follow through.
Wealthsplitter makes it a four-minute payday routine that gets you ahead: investments, emergency fund, and savings goals get their share every time money lands. Enter the amount, get a checklist of exactly how much to move into each of your accounts, and make the transfers at your bank.
No budgeting, no expense tracking, no bank connection.
I built this for myself. I've been using it for over two years.
No credit card required
35-day free trial, then $9.99/mo or $79/yr
What is the 70/20/10 rule?
The 70/20/10 budget emphasizes giving alongside spending and saving.
It divides your after-tax income into three categories:
- 70% for spending: Living expenses and lifestyle.
- 20% for savings: Emergency fund, investments.
- 10% for giving: Charitable donations, tithing.
It's a starting point. Adjust the percentages to fit your situation. The important thing is having a routine.
Frequently asked questions
What if my income changes month to month?
The 70/20/10 rule works especially well when your pay changes: overtime, shifts, commission, or client work. You just apply the percentages to whatever landed. If you get $3,000 one payday and $7,000 the next, the split adjusts automatically.
Is the 70/20/10 rule right for everyone?
It's a starting point, not a rigid formula. If you live in an expensive city, you might need different percentages. Adjust them to fit your life. The key is having a routine you actually stick to.
Should I use the 70/20/10 rule for gross or net income?
Use your after-tax (net) income: the amount that actually hits your bank account. If you split your gross income, you'll overestimate what you have to work with.
What if I can't hit these percentages?
That's normal, especially if you're in a high cost-of-living area. The percentages are a starting point, not a pass/fail test. Start where you are, and raise your savings once the habit sticks. Even a rough split is better than no routine at all.
Is Wealthsplitter free to try?
Yes. 35-day free trial, no credit card required. After that, $9.99 USD/month or $79 USD/year (4 months free).
No credit card required
35-day free trial, then $9.99/mo or $79/yr
Other budget calculators
Related reading
- How to set money aside every payday
Put money toward investments, emergencies, and goals the day you get paid
- Benefits of percentage based buckets
Why percentages work better than fixed dollar amounts
No credit card required
35-day free trial, then $9.99/mo or $79/yr