March — a big invoice
- Client invoice+5,000
| Bucket | Share | Amount |
|---|---|---|
| Essentials | 50% | 2,500 |
| Future | 30% | 1,500 |
| Enjoy Life | 20% | 1,000 |
One large payment. Before you spend anything it is split: 2,500 to Essentials, 1,500 to Future, 1,000 to Enjoy Life.
How it works
Plan per payment, not per month
Monthly budgets assume you know what’s coming. With irregular income you don’t — so RexFlow plans at the only moment you have certainty: when money actually arrives. Each payment is split into three buckets on the spot.
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
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.
Worked example
Two months of irregular income, followed through
Default 50 / 30 / 20 split. Every number below is simple arithmetic — the same rule RexFlow applies to each payment.
April — a slow month
- Small project+900
- Platform payout+600
| Bucket | Share | Amount |
|---|---|---|
| Essentials | 50% | 750 |
| Future | 30% | 450 |
| Enjoy Life | 20% | 300 |
Only 1,500 comes in, split the same way. Rent this month draws on Essentials that March already funded — no scramble, no guessing.
Across both months RexFlow allocated 6,500: 3,250 to Essentials, 1,950 to Future, 1,300 to Enjoy Life. Big month or small, savings were funded first every time.
Safe to spend
The number you can actually spend
Essentials and Future are funded before you see a spending number, so the Enjoy Life balance is money you can use without touching rent or savings. The spending safety meter tracks it as you go; the health score (0–100) shows how much of this month’s income you’ve kept.
- Spending safety meter
- How much of Enjoy Life is left right now.
- Health score
- Income kept this month, as a 0–100 score.
- Envelope categories
- Soft limits inside each bucket — guidance, never a block.
- Insights
- Plain-language tips, like easing off when Enjoy Life runs hot.
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.
50%
Essentials
Rent, food, bills
Rent, bills, food — the must-pays that keep you running.
RentGroceriesUtilities
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%.
Watch
The whole flow in 30 seconds
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.
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
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- Free core
- No bank connection
- iPhone & Android
- Works offline
Free · Pre-launchGet early access