A payday routine for people who split their income instead of tracking expenses.
Build your buckets with percentages or dollar amounts, limits, and nested splits. Every payday, enter what hit your account and see the exact dollar amount for each bucket. No bank connection, no expense categories, no coaching you on where to cut back.
Generate yours in Wealthsplitter. Tap to expand.
From $6.58 USD/mo
3-month money-back guarantee
"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
Build any payday routine
Build, split, track (1 min)
Nested buckets
Build the routine you already have in your head. Put 20% towards savings, then split that into an emergency fund and investments. Go as deep as you need.
Sub-buckets split their parent's share automatically.
Percentages, amounts, or whatever's left
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.
Or set a bucket to "leftover." It takes whatever the others didn't claim. After rent, taxes, and savings come out, your spending money lands there automatically.
The income tester lets you preview any amount before you commit.
Picture the whole thing
Once your routine is built, see it all at once.
Try a different income and watch it flow through.
Download it as an image to share with a partner or accountant.
Multiple routines
Your routine today, your routine next year. Save as many routines as you need and switch between them in a tap.
Build a plan for your spouse or partner. Or keep a "what if" routine 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 transfer.
Control which buckets create transfers and which ones auto-complete. Parent buckets that just organize sub-buckets? Turn off their transfers entirely.
Cap a bucket at $1,500/mo for rent, $20k/yr for taxes, or $5k once for a savings goal. The bucket stops accepting money when it's full and the extra flows to your leftover bucket.
From $6.58 USD/mo
3-month money-back guarantee
Allocation, not tracking
YNAB: Every dollar a job. Every paycheck, every transaction, every month.
Wealthsplitter: Set up your payday routine once. Then run it every payday, splitting into separate accounts. Spend until they're empty. The balance is your budget.
Monarch / Copilot: Pulls in every account to track spending across categories.
Wealthsplitter: No need for a bank connection. You decide where money goes when it arrives, not where it went after.
Spreadsheets: Works, but you redo the math every payday.
Wealthsplitter: Enter income, see the splits, check off each transfer. Works on your phone, no formulas to break.
Bucket budgeting isn't new
"Pay yourself first" 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: allocate your income before you spend it. Wealthsplitter is built for that.
Frequently asked questions
Can I copy the setup I already use?
Yes. The routine 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 routines to compare strategies.
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 and 40% goes to investments.
From $6.58 USD/mo
3-month money-back guarantee