Owner pay comes last
Everyone gets paid before you do — and by then there’s rarely a plan for what’s left.
Built for agency owners
Pay yourself first, not last.
Retainers, project fees and the scramble to pay yourself. RexFlow splits every payment the moment it lands, so essentials, savings and owner pay are handled before the money slips away.
Built for agency owners
Coming soon on
- iPhone
- Android
- Huawei
- Web
- Desktop
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
- Smart buckets
- 3
- Proven split
- 50/30/20
- Health score
- 0-100
- Yours to control
- 100%
Sound familiar?
The money problem agency owners actually have
Retainers + projects, uneven
Predictable retainers and lumpy project fees land on different rhythms and blur together.
No reserve for the dip
Lose a client and the shortfall hits immediately, because nothing was set aside on purpose.
Every payment is allocated the instant it arrives — a slice for essentials, a slice building reserves, a slice you can actually take home — so owner pay and a buffer are automatic, not an afterthought.
Allocate first
See it on your own income
Here’s what happens the moment a monthly retainer arrives — RexFlow splits it across your three buckets before you can overthink a cent.
When a monthly retainer arrives$15,000
- Essentials$7,500
50% · Rent, food, bills
- Future$4,500
30% · Savings & investing
- Enjoy Life$3,000
20% · Guilt-free spending
Set any split you like — 50% / 30% / 20% is just the starting point.
What changes for you
- Owner pay handled first, on every payment
- A reserve for the month a client leaves
- Retainers and project fees on one clear system
Get RexFlow free
Free to start · No bank connection · Set up in 2 minutes
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.
Why RexFlow
Not another budgeting app
Traditional budgeting tools assume a paycheck on the 1st. That’s not how agency owners 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.
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
Agency owners: questions, answered
Tune your split so a set share flows to Future (reserves) and another to what you take home — every payment, automatically.
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