Start setting money aside for retirement, an emergency fund, and your goals on your next payday
Answer 10 questions about your income, accounts, and goals. In about 6 minutes, we build your payday routine. Every payday after that, you get a four-minute checklist of exactly how much to move where.
For people who make good money but haven't started setting it aside. No budgeting, no expense tracking, no bank connection.
Six months of payday routines, added up.
30-day 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, my partner
How it works
Your routine, built for you in 6 minutes
Answer 10 questions: how you get paid, which accounts you have, what you're saving for, and what your essentials cost. The guided setup builds you a payday routine from your real life.
Rough numbers are fine to start. You can change accounts, amounts or anything else about your routine anytime.
Know exactly which accounts to open
If your goals need an account you don't have yet, like an emergency fund, we tell you exactly which one to open. Most banks let you open one in their app in a few minutes.
Not ready? Put it off. That money goes to your savings account until you are. Your routine keeps working, and we'll remind you later.
Never forget to run your routine
Tell us when you get paid next, and we'll email you a reminder to run your checklist.
Payment running late? Tap "No money yet" and we'll check back in 2 days.
Not sure when you'll be paid next? We'll check in to make sure you don't miss one.
Payday takes four minutes
Enter the amount that landed and get a checklist of exactly how much to move where.
Make the transfers in your bank's app and check them off, right from your phone. Nothing connects to your bank.
No thinking, no budgeting. Just run the checklist.
Know it's working
See what you've put toward retirement, your emergency fund, and your goals, and what you're on pace for if you keep it going.
No more wondering whether you're saving enough.
Easily update your routine if your goals shift.
30-day money-back guarantee
What your routine takes care of
Retirement
Money goes toward retirement every payday. You'll see exactly what pace you're on.
Most people put 10 to 30% here.
Emergency fund
A car repair or vet bill stops being stressful, because the money's already there.
Most people put 2 to 10% here.
Savings goals
The dream vacation, gifts for your partner or kids, a down payment on a home. Each goal gets its share every payday.
Most people take 2 to 10% for their goals.
Debt payoff
Put extra toward debt every payday without pausing retirement or your emergency fund. You keep moving on everything at once.
Guilt-free spending
Once your goals are taken care of, the rest is yours to spend. No guilt, because it's planned.
Most people land at 30 to 40%.
Anything else
Giving, a sabbatical, your kids' education. Your routine fits whatever you're setting money aside for.
You can even set up multiple routines to experiment, save different priorities, or make a routine for your partner.
30-day money-back guarantee
Your first 6 months
- 01
Today
Sign up and get your routine
Create your account, pay, and answer 10 questions. In about 6 minutes, we work out exactly how much of every payday goes to each account.
You'll end up with: A routine that fits your real life, and a list of any accounts worth opening.
- 02
Your first payday, four minutes
Your first split
We email you that day. Enter what landed, make the transfers at your bank, and check them off.
You'll end up with: Money in retirement, your emergency fund, and your goals. Now you're someone who saves.
- 03
Paydays 2 and 3
Make it a habit
The first few are the hardest. We remind you every payday, and if you get stuck, I'll help.
You'll end up with: A habit. After a few paydays, it's just routine. No thinking.
- 04
Month 6
See what you set aside
Your stats show what you've put toward each goal and what you're on pace for.
You'll end up with: A real emergency fund, retirement on pace, and spending money you can enjoy without guilt.
Everything you get
Your personalized payday routine
Built from your income, your payday schedule, your accounts, your essentials, and your goals. Money coaches charge $300+ to set this up.
$300+ USD value
A full year of payday checklists
Exactly how much to move where, every payday, plus stats that show what you've put toward each goal and what you're on pace for. Unlimited routines and unlimited checklists. After the first year, keep going for $79/yr
$79 USD value
Help opening the right accounts
Missing an account your goals need? We tell you which one to open and how. Not ready yet? Put it off, and your routine still works in the meantime.
Included
Payday reminders
Tell us when you get paid next and we email you that day, so you don't miss. Once it becomes a habit, it'll be effortless.
Included
Help from me
Reply to any email and I'll answer your questions or adjust your routine for you. Or change it yourself anytime, no appointment needed. Ongoing support from a money coach runs $300+.
$300+ USD value
Add it up
- Your personalized payday routine$300+
- A full year of payday checklists$79
- Help opening the right accountsIncluded
- Payday remindersIncluded
- Help from me$300+
- Total value$679+ USD
- Price after early access$187 USD
- Early access savings−$60 USD
- Your price$127 USD
If $5,000 lands in your account each month and 20% goes to retirement, your emergency fund, and your goals, that's $1,000 a month, or $12,000 set aside in your first year.
That's $127 to set aside $12k.
- 30-day money-back guarantee for any reason
- Secure payment with Stripe
- Renews at $79 USD/yr
- Cancel anytime in-app
Create your account, pay, then build your routine in about 6 minutes
- Reply to any email within 30 days for a full refund, for any reason.
- Run your routine on your first 3 paydays or more and it isn't working for you? Also a full refund.
This method is 100 years old
A payday routine is "pay yourself first." The idea goes back to The Richest Man in Babylon in 1926.
- Ramit Sethi: Conscious Spending Plan.
- Elizabeth Warren: 50/30/20.
- Mike Michalowicz: Profit First.
- Money coaches and financial planners: used with their clients.
Your money gets split the day it arrives, so it's there when you need it.
People running their payday routine
$0 → $25,655
Set aside for guilt-free spending in 2 years
Melissa runs her routine every payday. She used to hate thinking about money, and now she looks forward to payday. She says her guilt-free spending account is the most freeing part of it.
Melissa O., Owner/Operator, Interior Design, and my partner
Melissa started with a routine I set up by hand, before the guided setup existed. The guided setup now builds the same kind of routine. Your numbers will depend on your income.
"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
My partner and some close friends have run their routines for over a year. They saved for an engagement ring and wedding, smoothed out irregular income, and got to spend guilt-free knowing they could afford it.
Why I built Wealthsplitter
I had freelancing income that changed month to month, and I got tired of working out how much to put in each account every time I got paid.
So I built a spreadsheet to do the math for me.
Then in April 2023, Ramit Sethi posted his money system on Twitter, and a certified financial planner replied:
"It would be cool if there was software that allowed you to plug in your paycheck and it filled out the automated system to show you the dollar amount to be sent to each category. Especially for us with irregular income. Anyone know of one?"
That was my spreadsheet. I replied that I'd build it. That summer, I hunkered down for a few weekends and turned it into an app, and Wealthsplitter went live in September 2023.
I've split $91K+ through it since.
Me at a friend's wedding in Banff in 2023It's the same pay-yourself-first setup money coaches and financial planners build for their clients. Wealthsplitter is the self-serve version, built by just me in Victoria, British Columbia, Canada 🇨🇦.
Frequently asked questions
Who is this for?
People who make good money, meaning there's money left over after your expenses every month, and want it going toward retirement, an emergency fund, and their goals.
Maybe you don't know where to start. Maybe you know what to do but haven't started. Or you're already setting money aside and want to know if you could do better.
Who isn't it for?
If you're living paycheck to paycheck and nothing's left over each month, this won't help you yet. A payday routine splits up money you have left over.
When you get there, we'll be here.
I'm paying off debt. Will this work for me?
Yes, as long as you have money left over each month. Debt payoff gets its own share of every payday, right alongside retirement and your emergency fund, so you don't have to pick one.
How long does it take?
Setup takes about 6 minutes.
After that, each payday takes about four minutes: enter the amount that landed, make the transfers at your bank, check them off. It gets faster after your first few paydays.
Will it work if my income changes every time?
Yes. Tips, commissions, shift work, changing hours, bonuses, more than one income source, the occasional windfall.
Your routine splits by percentage, so every payment gets split the right way, whatever the amount.
Do I need to know much about money?
No. You answer 10 questions about your life: what you earn, what your essentials cost, and what you're saving for.
Your routine is built from your answers: which accounts to use, which ones to open, and how much goes to each one every payday.
Why use separate accounts?
Money sitting in checking gets spent without you noticing. Once your goals have their own accounts, that money isn't lying around anymore.
Your emergency fund is there when a surprise bill shows up, and knowing what you can spend is just a glance at your checking balance.
Do I have to budget?
No. There are no categories and nothing to track. Your goals get their share first, and whatever's left is yours to spend.
Will I actually stick with it?
We email you on payday as a reminder, and the checklist tells you exactly what to do. No thinking.
Checking off each transfer is satisfying. It pops confetti when you finish, and you can watch what you're on pace to save grow every payday.
After 3 checklists, it'll be familiar and you'll look forward to it.
Do I have to talk to anyone?
No. It's all self-serve, and most people never need help. But if you get stuck or want a second opinion on your routine, I'm one email away.
Does it connect to my bank?
No, and on purpose. 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 data is encrypted in transit and at rest, and it's never shared with third parties. Wealthsplitter never sees your bank login or your balances.
I've been building software since 2009, so this stuff is second nature to me.
What if I already set money aside?
Then you'll see whether you're on a good pace and where you could do better.
Build different routines for different situations, add rules inside your routine, or try a new split and see what it does for your goals.
What happens after the first year?
Your plan renews at $79 USD/year, which includes unlimited checklists and payday routines. Cancel anytime before then and you won't be charged again.
Do you offer refunds?
Yes, two ways.
Not what you expected? Email me within 30 days and I'll refund you in full, for any reason.
After that, run your routine on your first 3 paydays or more. If you're setting money aside but it isn't working for you, I'll refund you in full.
Your next payday makes you someone who saves
A year from now, your accounts can look the same as they do today, or you can have a year of paydays set aside. If $5,000 lands each month and 20% goes to your goals, that's $12,000 for a $127 USD routine.
It takes six minutes to set up and four minutes every payday.
$127 USD for setup, with a year of checklists included
30-day money-back guarantee