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.
Features
Built around one rule: allocate first, spend second
RexFlow isn’t a transaction tracker with a budget bolted on. Every feature exists to make one thing automatic — giving each payment a job the moment it lands — and to show you, at a glance, 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
The system
Three ideas, every feature
Each feature below serves one of these. If it doesn’t, it isn’t in the app.
- 01
Allocate on arrival
Add a payment and it is divided across Essentials, Future and Enjoy Life immediately, using your percentages. Recurring income posts itself on schedule.
- Automatic income splitting
- Custom percentages
- Recurring income & bills
- 02
Know what’s safe
Because essentials and savings are funded first, the Enjoy Life balance is money you can spend. Two numbers tell you where you stand.
- Spending safety meter
- Financial health score
- Envelope categories & soft limits
- 03
Watch it compound
Your Future bucket grows with every deposit. See a projection of where steady allocation could take it, and mark the milestones on the way.
- Wealth projection
- Milestones & shareable wins
- Reports & trends
The app
Three screens do the heavy lifting
Set the split, add income as it lands, and read where you stand — a few glanceable numbers instead of a ledger.
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.
Live in the app
Every feature, in detail
These are built and working in RexFlow today.
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.
Recurring income & bills
Set salaries, retainers and subscriptions once. RexFlow posts them on schedule and catches up anything you missed.
Milestones & shareable wins
Celebrate funded goals and allocation streaks, then share a beautiful win card — no dollar amounts unless you want them.
Works offline, syncs everywhere
A local-first design means the app is instant and works on a plane. Changes sync securely the moment you reconnect.
Reports & trends
See exactly where your money goes — monthly cash flow, savings rate and spending-by-category trends, so every decision is grounded in your real numbers.
On the roadmap
In development — not available yet
We list these so you know where RexFlow is going. None of them are live today, and we won’t say they are until they ship.
- Coming soon
AI Financial Coach
Proactive, personalized coaching — spending warnings, wealth projections and habit nudges tailored to your cash flow. In active development.
- Coming soon
Bank sync & auto-categorization
Connect an account to import income and spending automatically, with smart categorization and subscription detection — no manual entry.
- Coming soon
Tax auto-reserve
Set a tax percentage and RexFlow quietly parks it from every payment, with a quarterly view so the bill never blindsides you.
- Coming soon
Income volatility & runway
See how many months your buckets can cover, with volatility analytics built for income that swings month to month.
- Coming soon
Web & desktop apps
RexFlow everywhere — a web app and a Windows desktop app that stay perfectly in sync with your phone. In active development.
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