Percentage-Based Splitting for Variable Income
Whether you earn $800 or $8,000 this payday, your money always goes where it should. Percentages adapt automatically to any pay amount.
Start Free TrialWhy Percentages Beat Fixed Amounts
Fixed-amount splits break when your income changes. Percentage-based splits work every single time.
Fixed Amount Problems
- Fails when you earn less than expected (overdrafts)
- Leaves money sitting when you earn more (missed savings)
- Requires constant adjustments as income changes
- Doesn't scale with pay rises or bonuses
Percentage Benefits
- Always works, regardless of pay amount
- Automatically saves more when you earn more
- Set once, never adjust again
- Perfect for variable income and commission
See It In Action
Here's how the same percentage split adapts to different pay amounts.
Your Split Rules
No overdraft - just smaller amounts!
Extra savings happen automatically!
Perfect For Variable Earners
If your income isn't the same every payday, percentage splitting is made for you.
Hourly Workers
Hours vary week to week? Your splits adjust to whatever you earn, ensuring you always save the right proportion.
Commission Earners
Sales role with variable commission? Save a consistent percentage of every paycheck, no matter the size.
Contractors
Contract work with varying hours or rates? Maintain consistent financial habits regardless of project size.
Overtime Earners
Regular overtime or shift differentials? Automatically capture extra savings from those bigger paychecks.
Students
Part-time work with varying shifts? Build savings habits that work whether you work 10 hours or 25.
Freelancers
Client payments of all sizes? Apply consistent financial discipline to every deposit, big or small.
Set Up Your Splits in Minutes
Creating percentage-based splits is simple and intuitive.
Choose Your Accounts
Select which accounts you want to split your pay into. You can choose accounts from any of your connected banks.
Set Your Percentages
Assign a percentage to each account. Use the slider or type exact amounts. PayDay ensures they add up to 100%.
Activate and Relax
Turn on your split rules and you're done. Every future payday will be automatically split according to your percentages.
Ready for Smarter Splits?
Stop adjusting fixed amounts every time your pay changes. Set your percentages once and let PayDay handle the math forever.