A personal budgeting app that works around your pay schedule, not the calendar month. Know exactly what to set aside every time you're paid.
Most budgeting apps treat every month the same. But your bills don't arrive on the same day. Your paydays don't always line up. And the amount you need to set aside changes every pay period.
Spliggo counts the exact number of paydays between now and each bill's due date, then tells you one number: the amount to set aside from this pay so everything is covered. There's nothing to learn. No categories to maintain. No envelope system to understand. Just your number.
Screenshot a bill, copy text from an email, or just type the amount. Spliggo figures out the rest: name, amount, frequency, due date.
Spliggo calculates exactly how much to set aside based on the actual number of paydays until each bill is due.
Share a bill? Tap to split it. Each person sees only their share based on their own pay schedule.
After all allocations, you see exactly what you can spend freely. That's your number. That's the point.
Budgeting shouldn't be a second job. Spliggo focuses on one thing: making sure your bills are covered every payday. No categories to manage, no transactions to import.
You don't fill out forms. Just copy text from your power bill, copy text from your automatic payment lists, or type casually. Spliggo figures out the name, amount, frequency, and due date. If you mention multiple bills in one message, it picks them all up and creates them at once. It also knows the difference between a regular expense, a savings goal, and a housing payment, and routes each one to the right place.
You've got multiple expenses with different due dates, different amounts, and different frequencies. Spliggo looks at your actual pay schedule and works out exactly what to set aside from each pay so everything's covered when it's due. No spreadsheets, no mental math, no tracking every single bill yourself.
You get two kinds of notifications, and only two. On payday: exactly how much to transfer to cover your bills. Before a due date: a reminder that a bill is coming, along with confirmation that you've already set aside enough. That's it. No daily streaks, no spending guilt trips, no badges for logging in.
Split expenses between two pay schedules. Each person sees their share.
Choose whether you pay rent or a mortgage and the experience adapts to match.
Set a target amount and date. Per-payday contributions calculated automatically.
No bank connections. No scraping. Your data stays yours.
NZD, AUD, USD, GBP, CAD, EUR. Pick yours.
Allocations calculated locally. Sync when you're back online.
Choose from 17 unique avatar themes by talented creators. Each theme offers multiple avatars, and many can be accessorized. Pick colors and make Spliggo feel like your app.
Avatars by DiceBear. Themes by Lisa Wischofsky, Micah Lanier, The Visual Team, Zoish, Davis Uche, Pablo Stanley, Draftbit, Ashley Seo, Natalia Spivak & Vijay Verma - CC BY 4.0 & CC0 1.0
Spliggo never asks for your bank login. There are no account connections, no transaction scraping, and no third-party data sharing. You type or paste your bills. That's the only data Spliggo needs.
Sensitive data is encrypted at rest using industry-standard AES-256-GCM encryption.
We never ask for bank credentials. Your accounts stay yours.
Encrypted passwords, automatic session protection, and time-limited reset codes.
Your allocations are calculated on-device. No internet needed for day-to-day use.
We built Spliggo because we were tired of budgeting apps that want to be your entire financial life. Spliggo is intentionally focused:
Open the app, see your number, close the app. That's a good session.
No streaks to maintain. No leaderboards. Just clear math that helps you live your life.
You shouldn't need a spreadsheet to know what you can spend freely this week.
Spliggo counts the exact number of paydays between now and each bill's due date, then tells you one number: the amount to set aside from this pay so everything is covered. Just paste your bills, get your number each payday, and know what's left to spend freely.
No. Spliggo doesn't require any bank connections. You just paste or type your bills and your pay schedule. That's it. Your financial data stays private.
Spliggo starts with a free 3-day trial with full access. After that, it's $1.99/month or $17.99/year (saving 25%). Cancel within 3 days and you won't be charged. Early bird signups may get 3 months free.
Spliggo supports NZD, AUD, USD, GBP, CAD, and EUR. You can pick your currency during setup.
Yes. You can add a partner with their own pay schedule. Spliggo will split shared expenses between both pay schedules so each person sees exactly what they need to set aside from their pay.
"Spliggo started as a tool to solve my own payday stress, but its heart came from somewhere else. My daughter loves drawing and imagining characters, and her creativity inspired the playful avatars you see throughout the app. Right now we’re using DiceBear avatars, but we hope to bring more of her original art to life in future updates - making budgeting both fun and personal."
