50%
Essentials
Rent, food, bills
Rent, bills, food — the must-pays that keep you running.
RentGroceriesUtilities
The money system for irregular income
Your income is irregular. Your plan shouldn’t be.
RexFlow splits every payment into Essentials, Future and Enjoy Life the moment it lands — so rent and savings are handled first, and you always know what’s safe to spend.
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
Built for people paid in lumps
See it in 30 seconds
One payment in. Three jobs done.
Watch a $5,000 payment land and split itself — rent covered, savings growing, the rest yours to spend.
More on YouTube (opens in a new tab)
Read the transcript
- Your income doesn’t arrive on schedule.
- So your money shouldn’t wait for a plan.
- RexFlow.
- A $5,000 payment arrives and is split the moment it lands: $2,500 to Essentials (50%), $1,500 to Future (30%), $1,000 to Enjoy Life (20%).
- Rent’s covered. Savings, growing.
- The rest is guilt-free.
- No bank logins.
- Rule your money. Join the waitlist at rexflow.app.
The problem
Budgets assume a paycheck on the 1st. Yours doesn’t arrive that way.
Monthly budgets break the first time income arrives late, early or twice the size. That’s how people with irregular income get paid — so RexFlow plans per payment instead.
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
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
Put in what you were paid last. Watch it split.
The same arithmetic RexFlow runs the moment a payment lands — before a single dollar is spent.
$5,000 lands — it splits like this
- Essentials$2,500
50% · Rent, food, bills
- Future$1,500
30% · Savings & investing
- Enjoy Life$1,000
20% · Guilt-free spending
RexFlow does this on every payment, automatically.
Want this on every payment, automatically?
How it works
Four steps, then it runs itself
No spreadsheets and no bank logins. Set the split once; every payment after that is allocated the moment you add it.
- 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.
What it does
Everything irregular income needs. Nothing it doesn’t.
Glanceable numbers instead of a wall of transactions — built for income that never arrives the same way twice.
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.
Who it’s for
However you get paid, the system is the same
Income that arrives in lumps, on nobody’s schedule. Pick the page written for how you earn.
- FreelancersClient payments that swing month to month
- CreatorsSponsorships, ad revenue and platform payouts
- ConsultantsProject fees with long gaps between
- Sales & commissionBase plus commission that never sits still
- Agency ownersRetainers, projects, and paying yourself
- Business ownersUneven revenue and taxes to set aside
- Salaried earnersA steady paycheck on autopilot
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 everywhereDelete anytimeWorks offline
How RexFlow handles your dataNo 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.
Pricing
Free to start. Free for life if you join early.
The core system is free — no trial and no card. A paid Plus tier comes later; founding members get it free, permanently.
Free at launch
RexFlow Free
$0/ forever
The full allocation system. No trial, no card, no bank connection.
- Automatic 3-bucket income splitting
- Custom allocation percentages
- Financial health score
- Spending safety meter
- Envelope categories & soft budgets
- Recurring income & bills
- Milestones & shareable wins
- Offline-first, syncs across devices
Free for founding members
RexFlow Plus
Later
A paid tier for power users, priced at launch. Join before launch as a founding member and keep Plus free for life.
- Everything in Free
On the roadmap
- AI Financial Coach
- Bank sync & auto-categorization
- Tax auto-reserve
- Income volatility & runway
- Web & desktop apps
Plus pricing has not been set. We will publish it before Plus launches — founding members won’t pay it.
FAQ
Questions, answered
RexFlow is a personal-finance app for people with irregular income. Every time money arrives, it splits the payment into three buckets — Essentials (50%), Future (30%) and Enjoy Life (20%) by default — so your must-pays and savings are handled before you spend, and what is left in Enjoy Life is genuinely yours.
Anyone whose income arrives in uneven amounts or on an uneven schedule: freelancers, creators, consultants, salespeople on commission, agency owners and business owners. Salaried earners who want saving to happen automatically use the same system.
Most budgets assume a fixed paycheck on the 1st and track spending after the fact. RexFlow works per payment instead of per month: each deposit is allocated the moment you add it, so savings and essentials come first and the spending number you see is already safe.
Yes. 50 / 30 / 20 is only the starting preset. Set any percentages that add up to 100% during setup, and change them later from your profile.
No. RexFlow never asks for bank logins, card numbers or account access. You add income and spending yourself, which keeps your data private and in your control. Optional bank sync is on the roadmap; it will never be required.
The core — buckets, automatic allocation, health score, categories, recurring income and bills — is free. A paid tier, RexFlow Plus, is planned for advanced features such as bank sync and an AI coach. People who join the waitlist before launch keep Plus free for life as founding members.
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 core
- No bank connection
- iPhone & Android
- Works offline
Free · Pre-launchGet early access