Custom Split Rules

Your Money. Your Rules.

Create powerful split rules that automatically distribute your pay exactly how you want. Set it once, and PayDay handles everything.

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Types of Split Rules

PayDay supports flexible rule types to match any financial strategy.

Percentage Split

Split your pay by percentage. Perfect for variable income as amounts adjust automatically.

Example: 50% everyday, 30% savings, 20% bills

Fixed Amount

Send exact dollar amounts to specific accounts. Great for known recurring expenses.

Example: $500 to rent account, $200 to power

Hybrid Rules

Combine fixed amounts and percentages in one rule for maximum flexibility.

Example: $500 to rent, then 20% of remainder to savings

Remainder Rules

Define where any leftover money should go after other rules are applied.

Example: Anything left goes to emergency fund

Priority Rules

Set the order rules execute. Essential expenses first, then savings, then discretionary.

Example: Bills first, then savings, then fun money

Conditional Rules

Rules that only trigger under certain conditions, like pay amount thresholds.

Example: If pay > $3000, save extra 10%

How to Set Up Your Split Rules

Creating split rules takes just a few minutes. Here's how to get started.

1

Connect Your Accounts

First, connect all the bank accounts you want to use. This includes your main account where pay lands and all destination accounts.

  • Your primary account (where pay is deposited)
  • Savings accounts
  • Bills/expenses accounts
2

Configure Pay Detection

Tell PayDay how to identify your salary payments. This ensures only your actual pay triggers the split, not other deposits.

  • Enter your employer name or payment reference
  • Set expected pay range (optional)
  • Select typical pay frequency
3

Create Your Split Rules

Now the fun part! Define how you want your pay distributed across your accounts.

  • Add destination accounts and assign percentages or amounts
  • Set the execution order if needed
  • Preview how your split would work with a sample amount
4

Activate and Monitor

Turn on your rules and let PayDay handle the rest. Monitor splits in your dashboard.

  • Activate your split rules with one tap
  • Receive notifications when splits execute
  • Adjust rules anytime as your needs change

Start with a Template

Not sure where to start? Use one of our proven templates and customise to your needs.

50/30/20 Rule

Popular

The classic budgeting rule. 50% needs, 30% wants, 20% savings.

Everyday/Needs 50%
Wants/Fun 30%
Savings 20%

Bills First

Practical

Prioritise bills to ensure they're always covered, then split the rest.

Bills Account 30%
Savings 20%
Everyday 50%

Aggressive Saver

Goal-focused

Maximise savings for a big goal like a house deposit or travel fund.

Primary Savings 40%
Bills 25%
Everyday 35%

Debt Paydown

Debt-free

Focus extra money on paying down debt faster while covering essentials.

Debt Repayment 30%
Bills 25%
Everyday 40%
Emergency Fund 5%

Couples Split

Relationships

Split between personal spending and joint accounts for shared expenses.

Joint Bills 35%
Joint Savings 15%
Personal Spending 50%

Freelancer

Self-employed

Includes tax savings for self-employed and contractors.

Tax Account 25%
Business Expenses 15%
Savings 20%
Personal 40%

Ready to Automate Your Money?

Create your custom split rules today and never manually move money again. Your future self will thank you.

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