Paycheck Splitter
Automatically see how much of your paycheck can go toward spending, saving, investing, and bills.
Bills
$1,730
Spending
$960
Saving
$580
Investing
$580
Free account. No trial or card required.
Track net worth, plan paychecks, and hit your savings targets
Split every paycheck with confidence and see what you can afford before you buy.
- Paycheck splitter for bills, spending, saving, and investing
- "Can I afford this?" checks before every purchase
- Net worth and savings goals tracked in one dashboard
October overview
Sample dataAvailable to spend
$1,284.40
$212 ahead of plan
Monthly income
$3,850
Savings rate
22%
Net worth
$14,720
+$1,430 this quarter
Japan trip fund$1,860 / $3,000
62% there. On track for March.
Track it.Split it.Save it.Know what you can afford.
Features
Every money question, answered.
Can I Afford This?
Enter a purchase and instantly see how it affects your finances.
Laptop$1,200
Left to spend$84
Tight. Wait 2 weeks or split it.
Car Affordability
Understand the real monthly cost of a car before committing to it.
$612 /mo
Payment, insurance, gas, upkeep
Budget Dashboard
See income, expenses, recurring bills, and available spending money in one place.
Income
$3,850
Recurring
$1,730
Free cash
$1,284
Savings Goals
Set goals and track your progress toward them.
Emergency fund71%
Moving out38%
Summer trip54%
Net Worth Tracker
Track your assets and liabilities and watch your financial position change over time.
$14,720
How it works
Three steps. No spreadsheet.
- 1
Add your numbers
Enter your income, recurring expenses, savings, and financial goals.
- 2
Razka does the math
Your dashboard calculates what is available to spend, save, and allocate.
- 3
Make smarter moves
Use the tools before making purchases or financial decisions.
Built for your first real money decisions.
- Getting your first serious paycheck
- Buying your first car
- Starting to invest
- Moving out
- Saving for a trip
- Building an emergency fund
- Trying to stop wondering where your money disappeared every month
Pricing
Start free.
Build your money picture, track your goals, and understand what you can actually afford — no card required.
- Overview dashboard and monthly budget
- Manual income and expense tracking
- Paycheck splitter and "Can I Afford This?"
- Net worth tracker
- 1 savings goal and 1 vehicle
- Basic car affordability calculator
- Light and dark mode, your currency and pay frequency
Razka Plus
For users who want more automation, deeper insights, and advanced tools.
$6.99 / month
Everything in Free, plus:
- Unlimited goals, vehicles, and custom categories
- Saved paycheck plans
- Advanced car analysis and vehicle equity tracking
- Advanced trends, spending breakdowns, and longer history
- CSV exports
- Priority access to new features
- Automatic vehicle valuationComing soon
- Bank account syncingComing soon
You'll sign in first, then see what Plus adds before you pay. Cancel any time.