Sprig Money — get paid, split it, move on

Overview

Sprig is a dead-simple paycheck allocator. Enter what you got paid and it instantly splits it across four buckets on one fixed rule — then you go live your life. No categories to fiddle, no budgets to abandon. The rich don't budget harder. They automate and let it run.

The Split tab — a paycheck divided 20/10/60/10

The split — 20 / 10 / 60 / 10

20%

10%

60%

10%

Growth — 20%Investing and future-you. The bucket that compounds.

Stability — 10%The cushion: emergency fund, debt paydown.

Essentials — 60%Rent, food, bills — life's fixed costs.

Enjoyment — 10%Guilt-free spending. On purpose.

Not sold on 20/10/60/10?

Use a different rule. Settings lets you switch the whole app to a classic split, and every tab follows along.

Rule	Buckets
20 / 10 / 60 / 10 — the default	Growth · Stability · Essentials · Enjoyment
50 / 30 / 20	Needs · Wants · Savings
70 / 20 / 10	Living · Saving · Giving

Features

Instant splitThe four buckets update live as you type your paycheck.

Exact to the pennySplit math runs in integer cents — parts always sum exactly.

GrowCompounding projections show what the Growth bucket becomes. Estimates only — not financial advice.

Does it fit?The Fit tab answers the real question about a purchase.

HistoryEvery saved paycheck, on your device.

Speaks your moneyLocale-aware currency, RTL-safe, localized into 12 languages.

Free, honestlyOne small banner ad. A single $2.99 purchase removes it forever — no subscription.

PrivateYour paychecks stay on your iPhone.

FAQ

Why 20/10/60/10?

Because a rule you actually follow beats a perfect budget you abandon. One fixed, sensible split — applied automatically, every payday.

Can I use a different split?

Yes — Settings lets you switch to 50/30/20 (Needs, Wants, Savings) or 70/20/10 (Living, Saving, Giving). The whole app follows the rule you pick.

Is it a subscription?

No. Sprig is free with one banner ad; a one-time $2.99 purchase removes ads forever.

Does Sprig move my money?

No — Sprig tells you the split; you move the money wherever it lives. No bank connections, no account.

Is the Grow tab financial advice?

No. Projections are estimates for motivation, clearly labeled — not financial advice.

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