Income Split—The Secret Behind Effortlessly Managing Money

The Quick Take

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Income Split is how Fruitful puts your plan on cruise control:It takes the Money Map you build with your Guide and turns it into smart rules that move every deposit exactly where it needs to go. Bills, spending, savings, and investing–all automatic, every payday. You don’t have to think about it – you just live your life.

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What’s Income Split?

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Your Income Split is the automation that connects your plan to real action.

When your paycheck hits your core account, Fruitful automatically divides it according to your personalized Money Map:


• Some goes to cover your Bills (for rent, utilities, debt payments)
• Some to everyday Spending (like groceries, going out, shopping)
• Some to Savings (your emergency fund, travel, goals)
• Some to Investing (for long-term growth)


It’s simple, flexible, and designed around you.

Each rule runs automatically—so instead of moving money manually, your financial system hums quietly in the background, without you ever stressing.

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Why It Matters

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Even the best plan fails without follow-through. Income Split makes follow-through automatic.


• No more “I’ll move that later.” Your money goes to the right place the moment it arrives.
• No more guilt or guesswork. You know bills, savings, and spending are covered.
• No more spreadsheets. Just results.


It’s not budgeting. It’s not “setting reminders.” It’s a self-driving system for your cash flow, so your intentions actually become outcomes.

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The Process: How We Put Your Money on Cruise Control

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In as quick as a week, you’ll receive your Money Map, the big picture on your financial life. Once you open accounts and link your income, your Income Split initiates on your first deposit.

This is an example onboarding journey, exact timing varies.

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How Fruitful can get you to progress faster

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• Fewer steps to action: Meeting → plan → automation

• Single source of truth: One app for plan, accounts, and rules (vs. scattered tools)

• Behavioral design: Defaults and automations reduce decision fatigue and “I’ll do it later”

• Human + technology: Your Guide sets the direction; automations keep it moving—24/7

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What You Get With Fruitful

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• Money Map: A clear, living blueprint for your monthly money

• Income Split automations: Deposits auto-route to the right places

• 1:1 human guidance: Message, meet, and decide together

• Unified app: Plan + accounts + actions in one place


• Best Banking Card Product*: Earn high yields, cash back, and more

• ‍Progress tracking: Watch your savings and goals move, automatically

• Calm: No more guesswork, guilt, or “we’ll get to it next month”