Free tool
How much of each payment should you save?
Enter a payment — an invoice, a payout, a commission check — and see exactly how it splits across essentials, savings and spending. Pick a preset or set your own percentages.
$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
Per month at 1 payment
- Essentials
- $2,500
- Future
- $1,500
- Enjoy Life
- $1,000
Straight multiplication — not a forecast. Real income varies; that’s why RexFlow splits each payment as it arrives.
Choosing a split
Which split fits you?
There’s no correct answer — only one that fits your costs and goals. Start here and adjust after a month or two.
50 / 30 / 20
The default
Half to essentials, 30% to savings and investing, 20% to spend. A good starting point if your fixed costs are moderate.
60 / 20 / 20
High fixed costs
For expensive rent or a city where essentials eat more. Savings still come first — just a smaller slice.
40 / 40 / 20
Building a buffer
For lean essentials and a goal like three months of runway. Big months build the cushion fast.
Why per payment
Split each payment, not your monthly average
With irregular income, a monthly average is a number you never actually receive. If you plan around it, a big month feels like permission to spend and a slow month feels like an emergency.
Splitting each payment as it lands avoids both: every dollar gets its job immediately, so savings grow in the good months and the essentials bucket carries you through the quiet ones.
Read: how to budget irregular incomeBe first — and keep Plus free for life
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- Free core
- No bank connection
- iPhone & Android
- Works offline