Personal and business savings wallets, built by AI — and each side knows what the other is carrying.
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AI will size your wallets off your lowest month so you never over-commit.
Looks across both sides at once: owner pay, tax cover, double-ups, and which side should carry which goal.
Ask "what if my income drops?" or "what if rent goes up?" — AI re-runs your whole picture and shows the impact.
Your money coach knows your wallets, bills and goals. Ask anything — "Can I afford X?", "Why is my split like this?", "How do I hit my goal faster?"
Yes — 100% free, no credit card, no hidden fees. SplitStack is a lead-generation tool by Uncommon Ground Tools. If you love it and ever want a custom app built for your business, that's how we keep the lights on.
No. SplitStack never connects to your bank and never touches real money. Everything you enter stays on your device in your browser's local storage — we can't see it and it never leaves your phone or computer.
When you tap "Build my savings wallets", your income, bills, and goals are sent to the Claude AI (by Anthropic) which analyses them and returns a personalised set of savings envelopes with percentage splits, priority rankings, and plain-language reasoning for each wallet. The AI also sees both your personal and business sides so its suggestions make sense across your whole picture.
No. SplitStack provides general planning guidance only — not financial, investment, tax, or legal advice. It's a tool to help you think through your money, not a licensed adviser. For significant financial decisions, please speak with a qualified professional.
Your plan is saved in your browser's local storage, so clearing your browser data or switching devices will start you fresh. We recommend using the "Copy plan to clipboard" button to save a copy of your current plan somewhere safe. A cross-device sync feature is on our roadmap.
Just so we can let you know about updates and new features. We don't spam, we don't sell your email, and you can ask us to remove you at any time by emailing uncommongroundtools@gmail.com. See our Privacy Policy for full details.
Personal covers your household income, bills (rent, power, groceries) and personal goals (holidays, emergency fund). Business covers your revenue, operating expenses, and business goals (equipment, tax buffer, expansion). The clever part is that when the AI builds one side's plan, it can see the other side too — so if your business pays you an owner's wage, the AI knows that and factors it in.
Between 3 and 9, depending on how many bills and goals you have. Simple finances might get 4 wallets; someone with a mix of bills, multiple goals, and a business could get 7 or more. The AI groups similar small bills together and gives important goals their own wallet. There's always a Fun & Flex wallet so the plan is actually enjoyable to follow.
Yes — tap the "Change theme" button that appears in the header after you sign in. You can switch between Aurora (deep space, mint and blue) and Bloom (pink and purple with butterflies) any time you like.