50%
Essentials
Rent, food, bills
Rent, bills, food — the must-pays that keep you running.
RentGroceriesUtilities
The financial OS for irregular incomeRule Your
Rule Your
Money.
The financial operating system for people with irregular income. RexFlow splits every payment into Essentials, Future & Enjoy Life the moment it lands — so you allocate automatically, always know what's safe to spend, and build wealth on autopilot. Allocate first, spend second.
Built for
- Freelancers
- Creators
- Consultants
- Salespeople
- Agency owners
- Business owners
- Salaried
J
Hi Jack
Your money OS
Total balance
$48,290.00
92Financial health
How is this calculated?
Income (mo)
$8,600
Spend (mo)
$3,180
Safe to spend today
From your Enjoy Life bucket this month.
$64
Cash Flow
ReportsIncome
$8,600
Spent
$3,180
Net
$5,420
12% vs last month
Buckets
See allEssentials
Rent, food, bills
$12,450
50%
Future
Savings & investing
$31,720
30%
Enjoy Life
Guilt-free spending
$4,120
20%
HomeBucketsSpendingProfile
Coming soon on
- iPhone
- Android
- Huawei
- Web
- Desktop
Free to start · No bank connection required
The 3-bucket method
Every dollar gets a job — the moment it arrives
RexFlow divides your income across three buckets so your essentials and savings are handled before you spend a cent. Start with the proven 50 / 30 / 20 split, then tune it to your life.
30%
Future
Savings & investing
Savings & investing — money you set aside to grow.
SavingsInvestmentsDebt
20%
Enjoy Life
Guilt-free spending
Guilt-free spending — travel, dining, the fun stuff.
DiningTravelHobbies
Essentials · 50%
Future · 30%
Enjoy Life · 20%
Fully adjustable — drag the sliders to any split that adds up to 100%.
Try it
See your split
Enter what you typically get paid — see exactly where every dollar goes the moment it lands.
$
Your split
- Essentials$2,500
50% · Rent, food, bills
- Future$1,500
30% · Savings & investing
- Enjoy Life$1,000
20% · Guilt-free spending
That’s automatic on every payment. Tune the split to your life in the app.
Want this on autopilot for every payment?
How it works
From lumpy paycheck to lasting wealth in four steps
No spreadsheets. No bank logins. Just a system that does the allocating for you, every single time money arrives.
- 1
Set your split
Pick how each dollar divides across Essentials, Future and Enjoy Life. Start with the proven 50 / 30 / 20 preset or drag the sliders to fit your life.
- 2
Add income as it lands
Log a paycheck, invoice or payout — one-time or recurring. RexFlow instantly routes it to the right buckets with a live allocation preview.
- 3
Spend from what’s left
Your Essentials and Future are already handled, so the Enjoy Life balance is yours to spend — guilt-free and without touching rent money.
- 4
Watch your wealth compound
Track your health score, hit milestones and forecast your net worth as consistent allocation quietly turns irregular income into real savings.
Features
A complete financial OS, minus the anxiety
Everything you need to turn irregular income into steady progress — designed to feel calm, glanceable and genuinely yours.
Automatic income splitting
Every deposit is instantly divided across your three buckets using your chosen percentages. Add income once — RexFlow does the math and updates each balance.
Financial health score
A single 0–100 score shows how much of this month’s income you’ve kept — so you always know where you stand at a glance, no spreadsheet required.
Spending safety meter
See exactly how much is safe to spend right now. The meter tracks your Enjoy Life bucket in real time so you never dip into rent money.
Wealth projection
A clear projection of where steady allocation could grow your Future bucket over time — an honest estimate, never a guarantee.
Smart money insights
Plain-language nudges surface the one move that matters most this month — like easing off Enjoy Life when spending runs hot, or celebrating a fast-growing Future bucket.
Envelope categories
Split each bucket into categories with reserved balances and soft budget limits that guide you without ever blocking a purchase.
Coming soon features are on the RexFlow roadmap — everything else is live today.
See it in action
Beautifully simple, seriously powerful
A calm, cinematic interface that turns complex money decisions into a few glanceable numbers.
Set your allocations
Decide how each dollar of income splits across your three buckets.
Essentials50%
Future30%
Enjoy Life20%
Total100%
50 / 30 / 2060 / 20 / 2040 / 40 / 20
Set your split
Drag three sliders to divide every dollar.
Add Income
Allocate first, spend second.
Amount received
$5,000.00
SalaryFreelanceBusinessCommission New
Repeats
One-timeMonthlyYearly
Allocation preview
Essentials · 50%$2,500.00
Future · 30%$1,500.00
Enjoy Life · 20%$1,000.00
Add income
Watch it route to buckets in real time.
J
Hi Jack
Your money OS
Total balance
$48,290.00
92Financial health
How is this calculated?
Income (mo)
$8,600
Spend (mo)
$3,180
Safe to spend today
From your Enjoy Life bucket this month.
$64
Cash Flow
ReportsIncome
$8,600
Spent
$3,180
Net
$5,420
12% vs last month
Buckets
See allEssentials
Rent, food, bills
$12,450
50%
Future
Savings & investing
$31,720
30%
Enjoy Life
Guilt-free spending
$4,120
20%
HomeBucketsSpendingProfile
Track your wealth
Health score, safety meter and forecast.
Why RexFlow
A calm financial autopilot for independent earners
Not accounting software. Not a stressful spreadsheet. RexFlow moves you from chaos, overspending and money anxiety to clarity, intentional spending and automatic wealth-building — built for income that comes in waves.
Allocate automatically
Every payment is divided across Essentials, Future and Enjoy Life the instant it lands. Add income once — RexFlow does the math, even when it arrives in unpredictable lumps.
Know what’s safe to spend
Essentials and savings are handled first, so the money left over is genuinely free. A health score and safety meter replace a wall of transactions — no more guessing.
Build wealth automatically
Your Future bucket grows with every deposit, on autopilot. You smooth the feast-or-famine cycle and build savings consistently — without thinking about it.
Be first — and keep Plus free for life
Join the founding-member waitlist. We’ll email you the day RexFlow launches.
Why RexFlow
Not another budgeting app
Traditional budgeting tools assume a paycheck on the 1st. That’s not how people with irregular income get paid — so RexFlow works the opposite way.
A traditional budgeting app
- Assumes a steady monthly salary
- You budget after you’ve already spent
- Asks you to connect your bank
- Manual tracking, and guilt when you slip
- Savings are whatever happens to be left
RexFlow
- Built for income that arrives in lumps
- Allocates every payment before you spend
- No bank login — you stay private and in control
- Automatic and calm — the system does the work
- Savings come first, on every single deposit
Security & privacy
Your money, your data, your device
RexFlow is privacy-first by design. We store only the numbers you enter — never bank logins, card details or your spending amounts in analytics.
HTTPS everywhereGDPR-ready deletionWorks offline
No bank logins, ever
RexFlow never connects to your bank or asks for card numbers. It stores only the income and spending figures you choose to enter.
Local-first & private
Your data lives on your device first. Analytics never capture dollar amounts or personal information — a finance app should never record money on screen.
Hardened, modern API
Data syncs over HTTPS to an API protected with signed tokens (EdDSA/JWKS), strict validation, request rate limiting and security headers.
You own your data
Delete your account any time. We support both a restorable archive and immediate, permanent erasure on request — your data, your call.
- Smart buckets
- 3
- Proven split
- 50/30/20
- Health score
- 0-100
- Yours to control
- 100%
Loved by independent earners
Calm finances for people with uneven income
Freelancers, creators and consultants use RexFlow to smooth the highs and lows — and finally feel in control.
“My income swings from $2k to $9k a month. RexFlow is the first app that actually gets that. I finally have three months of runway and I stopped panicking every slow week.”
“The split happens the second a payout lands. My savings just… grow now, without me thinking about it. The Enjoy Life bucket means I can book the trip without the guilt spiral.”
“As a consultant with big invoices and quiet months, the health score keeps me honest. It’s the calmest my finances have ever felt.”
“I tried every budgeting app. They all assume a paycheck on the 1st. RexFlow is the only one built for how commission actually works.”
Illustrative stories representing RexFlow's target users. Real reviews coming as we grow.
Pricing
Start free. Build wealth today.
RexFlow’s core is free forever — no trial, no card, no bank connection. Upgrade later only if you want advanced insights.
Most popular
RexFlow Free
$0/ forever
Everything you need to start building wealth on autopilot.
- Automatic 3-bucket income splitting
- Custom allocation percentages
- Financial health score
- Spending safety meter
- Envelope categories & budgets
- Recurring income & bills
- Milestones & shareable wins
- Offline-first, syncs everywhere
Free for founding members
RexFlow Plus
Coming soon
The power-user tier for serious wealth building. Join before launch as a founding member and keep Plus free — for life.
- Everything in Free
- AI Financial Coach & forecasting
- Web app + Windows desktop, synced everywhere
- Bank sync & auto-categorization
- Tax auto-reserve & quarterly view
- Income volatility & runway analytics
- Advanced analytics & cash-flow trends
- Investment tracking & automatic rules
- Multi-currency, PDF reports & receipts
- Family / shared accounts & business reports
FAQ
Questions, answered
RexFlow is a personal-finance app that automatically splits your income into three buckets — Essentials (50%), Future (30%) and Enjoy Life (20%) — the moment money arrives. It is built for people with irregular income who want to build wealth on autopilot and spend what’s left without guilt.
RexFlow is designed for freelancers, creators, consultants, salespeople, agency owners and business owners — anyone whose income arrives in unpredictable lumps rather than a fixed monthly salary. Salaried earners who want a simpler allocation system love it too.
No. RexFlow never asks for bank logins, card numbers or account access. You log income and spending yourself, which keeps the app private, fast and fully in your control. There are no third-party transaction feeds.
Absolutely. The 50 / 30 / 20 split is just the starting preset. You can drag the sliders to any percentages that add up to 100% during onboarding and change them anytime from your profile.
Yes. RexFlow is local-first: your data is stored on your device so the app is instant and works with no connection. When you reconnect, changes sync securely to your account.
Yes. RexFlow stores only the figures you enter — no bank credentials or card data. Money is transmitted over HTTPS to a hardened API protected by modern authentication, rate limiting and strict input validation. You can export-free delete your account at any time, with immediate erasure available on request.
RexFlow’s core buckets, allocation and tracking are free to use. A future RexFlow Plus tier will add advanced insights and forecasting — see the pricing section for details. You can start building wealth today at no cost.
Yes. RexFlow is built with Flutter and runs natively on both iOS and Android. You can download it from the Apple App Store, Google Play, or the Huawei AppGallery.
Traditional budgets track spending after the fact and assume a steady salary. RexFlow flips the model: it allocates every dollar the instant it arrives, so your savings and essentials are handled before you spend. It is proactive, not reactive — and purpose-built for variable income.
It is a single 0–100 number based on how much of this month’s income you’ve kept — essentially income minus spending, as a share of income. Green (70+) means you’re saving strongly, amber is on track, red means most of your income is going out. It turns your month into one glanceable metric you can improve over time.
Today, RexFlow’s insights are clear, rule-based money tips — no black box, no data sent to a language model. An AI Financial Coach with personalized coaching and projections is in active development and will arrive as part of RexFlow Plus.
RexFlow is free to use today. A premium tier, RexFlow Plus, is on the roadmap — adding bank sync, the AI coach, advanced analytics, tax auto-reserve and more. You can join the waitlist from the pricing section to hear when it launches.
Be first — and keep Plus free for life
RexFlow launches soon. Join now as a founding member: get notified the day it drops and keep every future Plus feature free — for life.
Coming soon to
App StoreComing soonGoogle PlayComing soonAppGalleryComing soon
- Free to start
- No bank connection
- iOS & Android
- Works offline
Free · Founding membersGet early access