Income just hit. Know exactly where every dollar goes.
Enter your income and see exactly what to move into each account. No spreadsheets, no guessing. Built for freelancers, contractors, and anyone with irregular paychecks.
Here's how it works (18 sec)
"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
"As a service based business owner, irregular income was one of the reasons I was hesitant to start my own business.
Since I started using Wealthsplitter, it has helped me by automating and dividing my monies any time I collect payment. 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
"It's very helpful since my income varies month to month. It's such a neat tool.- Early Wealthsplitter user
Why Wealthsplitter?
- I have no outside investors, and never will. This keeps Wealthsplitter affordable and useful. I only answer to you: my customers.
- I've been coding and leading software projects professionally since 2009, serving thousands of customers. All my experience is reflected in Wealthsplitter. It's reliable, fast, and secure.
- I've led dozens of successful software projects. Wealthsplitter is carefully designed and ruthlessly focused.
- Wealthsplitter started in 2023, and isn't going anywhere.
From $6.58 USD/mo
3-month money-back guarantee
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 just as a way to split up my income easily. Now it's growing into a tool that helps you set money goals and set up a payday routine to reach them.
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.
From $6.58 USD/mo
3-month money-back guarantee
How does it work?
Answer four questions
Tell us about the accounts you already have, how you get paid, and what your last payment was. We build your payday routine from your real life.
Want a different structure later? The full builder supports percentages or dollar amounts, limits, and nested splits.
Log income and check off transfers
When you get income, log it. The app will create a checklist of transfers automatically for you based on your buckets.
Check off each transfer when you move the money IRL. This tracks your progress over time.
Track progress
Use helpful metrics and visualizations:
- Total and average earned
- Total and average deposited per bucket
- Success rate per bucket
Build detailed routines
You can nest buckets.
For example, you could put 10% towards savings, and then part of that goes towards a down payment, and the rest goes towards a vacation. See the full routine builder guide.
Use many routines
Create as many routines as you need and easily switch between them.
Set up a plan for your spouse or friend. Or play with different strategies and see which you like best.
From $6.58 USD/mo
3-month money-back guarantee
Frequently Asked Questions
Does this work with regular income?
Yes. Wealthsplitter works with any type of income: regular paychecks, freelance work, small business income, etc.
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.
Does it connect to my bank?
No, Wealthsplitter doesn't connect to your bank accounts. You manually log your income and check off your transfers. This keeps things simple and secure, and keeps you in control.
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.
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).
Do you offer refunds?
Yes, the guarantee is simple: run your payday routine for three months, and if your finances aren't easier, reply to any of my emails and I'll refund you. Cancel anytime.
How do I budget with irregular income?
The key is using percentages instead of dollar amounts. When income varies, a fixed dollar budget breaks. Percentages scale automatically with whatever you earn. Read our guide to setting money aside every payday.
From $6.58 USD/mo
3-month money-back guarantee