Enter your paycheck and see exactly how much goes where.
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: retirement, 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.
From $6.58 USD/mo
3-month money-back guarantee
What is the 80/20 rule?
The 80/20 budget follows the "pay yourself first" principle.
It divides your after-tax income into two categories:
- 80% for spending: Stays in checking for bills and everyday spending.
- 20% for savings: Investments, emergency fund, goals, set aside first.
It's a starting point. Adjust the percentages to fit your situation. The important thing is having a payday routine.
Frequently asked questions
What if my income changes month to month?
The 80/20 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 80/20 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 80/20 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.
How much does it cost?
$9.99 USD/month or $79 USD/year (4 months free). Both include a guided setup that builds your payday routine with you in about 5 minutes, plus help from me by email whenever you're stuck. There's no free trial. Instead, there's a 3-month money-back guarantee. Take the 3-payday challenge: run your routine on your first 3 paydays and earn a free month ($9.99 USD value).
From $6.58 USD/mo
3-month money-back guarantee
Other budget calculators
Related reading
- How to set money aside every payday
Put money toward retirement, emergencies, and goals the day you get paid
- Unexpected benefits of percentage-based buckets
Why percentages work better than fixed dollar amounts
From $6.58 USD/mo
3-month money-back guarantee