Custom split rules
Your money, divided by your rules
Tell PayDay how to split your pay across savings, bills and spending. Set it once, and every payday follows the plan.
Sound familiar?
One-size budgets never fit
Your money has jobs: rent, bills, savings, a bit of fun. A single account makes all of that guesswork.
Doing the maths every payday
Working out what goes where, every single pay, is the kind of admin that quietly falls apart after a few weeks.
Your pay is not the same each time
Fixed transfers break the moment your income moves. You either overdraw or leave money sitting unsaved.
Priorities get out of order
Bills should come first, then savings, then the rest. Without a set order, the important transfers miss out.
Three steps to hands-free money
Rules take a few minutes to set up. After that, your pay sorts itself every time.
Connect your accounts
Link the account where your pay lands plus every destination: savings, bills, joint, or a separate spending account.
Write your rules
Percentages, fixed amounts, or a mix. Set the order they run in so essentials are always covered first.
Activate and relax
Turn the rules on once. Every payday after that, your pay is divided exactly the way you set it.
Rules for every kind of budget
Mix and match these building blocks to match how you actually want your money to move.
Percentage split
Divide your pay by percentage. Ideal for variable income, because the amounts scale with what actually lands.
Example: 50% everyday, 30% savings, 20% bills
Fixed amount
Send an exact dollar figure to a specific account. Handy for a known, recurring cost.
Example: $500 to rent, $200 to power
Mix fixed and percentage
Use fixed amounts and percentages together. Percentages are worked out on the whole deposit.
Example: $500 to rent and 20% to savings
Top-up rules
Keep an account at a set balance. PayDay tops it up from your pay when it falls short.
Example: Top the bills account up to $1,000
Priority order
Set which rules run first. Essentials get covered before discretionary spending.
Example: Bills first, then savings, then fun money
Pause automation
Switch automation off for a while and back on when you are ready. Your rules stay as you set them.
Example: Pause splits over the holidays
Common questions
Can I mix percentages and fixed amounts?
Yes. A single rule set can combine fixed amounts and percentages. A common setup is a fixed amount to bills and a percentage to savings. Percentages are worked out on the whole deposit, not on what is left after fixed amounts.
What order do split rules run in?
You control the order. Set your essential transfers, like bills, to run first, then savings, then discretionary accounts. PayDay executes them top to bottom every payday.
Can I change my rules later?
Any time. Add, edit, pause, or delete rules whenever you like. Changes take effect from your next payday, and pausing a rule stops its transfers immediately.
What happens if my pay is lower than usual?
Percentage rules simply move smaller amounts. If your fixed amounts add up to more than the deposit, PayDay holds that deposit and emails you instead of running a partial split.
Set your rules once and let them run
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