A private budgeting system that tells you what you can actually spend.
Stop looking at boring pie charts of what you already spent. Reclaim Flux calculates your upcoming bills, paydays, and sinking funds to give you a strict Safe to Spend number for today.
Flux lives inside your existing Reclaim account — no separate sign-up.
Three steps to your number
Set your baseline
Add your accounts, recurring bills, and paydays once in the Planner.
Log as you spend
A few seconds per transaction — Flux keeps your balances current.
Always know your number
Safe to Spend updates automatically, with a warning before you'd go negative.
Payday Mode
Enter your salary, rent, and SIPs. Flux calculates exactly how much cash is left for this pay cycle and breaks it down into a daily and weekly allowance.
Sinking Funds
Got a ₹18,000 car insurance bill due in March? Tell Flux, and it will automatically subtract the monthly required set-aside (₹1,500/mo) from your Safe to Spend balance.
Leak Detector
Stop "death by a thousand Swiggy orders". Flux automatically groups small, repetitive transactions (under ₹2,000) and alerts you to patterns draining your wealth.
"What If?" Simulator
A sandbox where you can change variables: "What if I buy a ₹70k phone?" "What if my rent increases?". Instantly see the effect on your future cash flow.
Before you start
How is this different from a normal budgeting app?
Most budgeting apps show you a pie chart of what you already spent. Flux looks forward instead — it projects your upcoming bills and paydays to tell you what's actually safe to spend today.
Do I need to connect my bank account?
No. Flux works entirely from what you tell it — your balances, bills, and transactions. No bank access, no email scanning.
What if I forget to log a transaction?
Your Safe to Spend number is only as accurate as what's logged. Log transactions as you spend for the most reliable number — think of it as a running total, not an automatic bank feed.
Is Flux part of my existing Reclaim account?
Yes — sign in with the same account you use for the rest of Reclaim. No separate app, no separate sign-up.