Why this exists
BudgetSplyt started with one person watching someone they care about do everything right — working, getting paid, trying — and still not be able to say where the money went. Not because they were bad with money. Because every budgeting tool they tried wanted them to sign up, link a bank account, categorize six months of transactions, and stare at a dashboard that made them feel worse.
That's a lot of friction to put in front of a person who is already avoiding the problem. And avoidance is the real blocker. Most people who are broke aren't confused about what a budget is. They just don't want to look. So the tool that helps has to be the one you can finish before you change your mind.
BudgetSplyt takes about thirty seconds. You type what you actually brought home, tell it how often you get paid, and it splits the number five ways. That's the whole product.
The five-way split
The default is 55% essentials, 5% fun money, 10% debt or investing, 15% short-term savings, and 15% long-term investing. It's a starting point, not a rulebook — every category is adjustable, and the rest rebalance to keep the total at 100%.
Two things about that split are deliberate. Fun money is a real category, because a budget with zero room in it gets abandoned in a week. And debt and investing share a line, because if you're carrying a balance, that's the same money doing the same job — buying back your future income.
What it deliberately does not do
- No accounts. There's nothing to sign up for and no password to forget.
- No bank connection. We never ask for and never touch your financial institution.
- Nothing saved. The math runs in your browser. Close the tab and the numbers are gone — we never had them.
- No upsell. There is no paid tier, no premium version, and no email list.
The tradeoff is that you re-enter your numbers each visit. That's on purpose. It takes thirty seconds, and it's the price of a tool that has nothing of yours to lose or leak. If you want a copy that sticks around, hit Print — a budget taped to the fridge outlasts one buried in an app.
Who's behind it
BudgetSplyt is built and run by No Look Solutions LLC, a small independent software company in the United States. It isn't a bank, a lender, a broker, or a financial advisor, and it has no partnerships with any of those. Nobody pays us to point you toward a product.
How the site pays for itself
Advertising, and that's it. The calculator is free and stays free; the ads on the page cover hosting and the domain. We'd rather tell you that plainly than pretend the site runs on goodwill. What we don't do is sell your data — the calculator doesn't collect any, so there's nothing to sell. The full details are in the privacy policy.
How the site is built and secured
"We don't store your data" is easy to say. Here's what actually backs it up:
- There's no backend to breach. BudgetSplyt is a static site — no database, no user accounts, no server-side code that ever sees your input. The split is calculated by JavaScript running on your own device. A breach of our hosting would expose the same HTML you can already read by viewing the page source.
- Content Security Policy on every page. The site ships a strict CSP that whitelists exactly which domains may run scripts, load fonts, or open connections. Anything else — an injected script, a hijacked third-party asset — is blocked by your browser before it executes.
- Zero inline scripts or styles. Every bit of JavaScript and CSS lives in its own file rather than inside the HTML. That's what makes the CSP above strict enough to be worth having, and it closes off the most common route for cross-site scripting.
- HTTPS. The site is served over HTTPS, and requests that arrive over plain HTTP are upgraded before the page is usable.
- Authenticated email (SPF, DKIM, and DMARC). Our domain is configured so that mail servers can verify anything claiming to be from budgetsplyt.com, and quarantine what fails. Worth knowing because we will never email you asking for a password, a payment, or bank details — we don't have an email list, and we'd have nothing to ask about. Anything that does is a forgery.
- No third-party scripts beyond analytics and ads. No tracking pixels, no session recorders, no chat widgets, no social embeds. Details are in the privacy policy.
None of this is exotic. It's the baseline a site handling money questions should meet, and most don't.
This isn't financial advice
BudgetSplyt is a general-purpose arithmetic tool for organizing your own money. It doesn't know your situation, your debts, your tax bracket, or your goals, and it isn't a substitute for advice from a qualified professional. Use it as a starting point and adjust it to your life.
Get in touch
Found a bug, spotted bad math, or want a pay schedule we don't support yet? That feedback is genuinely useful — see the contact page, or just email support@budgetsplyt.com.