GOOD MORNING, ROB 👋
Welcome back
to the Lab.
YOUR MONEY JOURNEYChecking next step
Your money cycle, step by step.
Dexx unlocks each step only when the step before it is real and complete.
DEXX CURRENT STEP
Checking your Lab
Dexx is finding the next step in your money cycle.
YOUR MONEY TODAY
Getting ready
Your money status at a glance.
Dexx separates money available today from money planned for a future paycheck.
CHECKING PLAN ACCURACYDexx is checking how complete the information behind this plan is.
UPCOMING BILLS
TODAY'S MISSION0 / 4
⚗
YOUR PROGRESS & INSIGHTSHealth score · setup progress · Dexx’s plan · timeline — tap to open
SETUP PROGRESSChecking setup
0 of 6 areas completeChecking accuracy
CONTINUE SETUPDexx is checking which financial details are known.
CORE SETUP STATUSChecking bills, debt, and savings
FINANCIAL HEALTH SCORE
Building baseline
0
/ 100
STARTING
Add financial activity and Dexx will build your score.
BASELINE INCOMPLETE
Complete your financial setup so Dexx can calculate an accurate score.
PROTECTION0/20
Bills and reservesSPENDING0/20
TRUE Safe-to-Spend controlSAVINGS0/20
Savings progressDEBT—/20
Debt managementCONSISTENCY0/20
Using the Lab consistently
DEXX EXPLAINS
Your score will explain what is helping and what needs attention.
DEXX ACTION CENTER
Ready
Dexx turns your Financial Health Score and payday data into the next few money moves that matter most.
TOP PRIORITY
Complete your setup
Dexx needs enough real financial data before making a strong recommendation.
DEXX PLAN
Your action plan will update automatically as your paycheck, spending, savings, debt, and score change.
DEXX CONFIDENCE
LOWComplete your profile and enter a paycheck.
FINANCIAL TIMELINE
DEXX'S OBSERVATION
Add your real numbers and I’ll help you run the experiment.
EXPERIMENT PROGRESSThis Week
0%
BUDGET LAB
Dexx Payday Mode.
PAYDAY COMMAND CENTERWaiting for check
Your whole payday in one view — what came in, what gets protected, what is moving forward, and what is truly safe to spend.
PAYCHECK$0.00No check entered
PROTECTED$0.00Bills + reserve + savings + debt
TRUE SAFE-TO-SPEND$0.00Build your plan
DEXX PAYDAY READOUT
Enter your check and Dexx will turn the paycheck into one clear money plan.
PAYDAY CATCH-UP0
Missed check-ins — these paydays passed with no confirmed check-in. Confirm what actually landed, or skip the ones with no paycheck. Skipped paydays are never counted as income.
WEEKLY RUNWAYMake TRUE Safe-to-Spend last until payday
On paceDEXX PACE COACHReady
Approve a payday plan and Dexx will compare your spending with the calendar pace.
LIVE PACE ACTION
Starts on payday
On payday, Dexx will show how much room remains before you reach the calendar spending pace.
Approve a payday plan to start your weekly runway.
PAYDAY EXECUTION MODEApproved plan → real-world moves
Execution readyDexx turns the approved plan into a short checklist. A future paycheck stays planned until it actually lands. Once you confirm payday, Dexx records the reserve and savings allocations and opens the real execution checklist.
PAYDAY CHECK-INConfirm what actually landed
Step 1 of 2Enter the real deposit before Dexx funds anything. If it differs from the plan, Dexx recalculates protection and TRUE Safe-to-Spend first.
PAYCHECK DIFFERENCE$0.00Matches the plan
FRIDAY WORKFLOWStep 1 of 5
12345
Enter your check, confirm your bills, then let Dexx build the plan.
PAYDAY PLANReady
Bills come first. Dexx then protects upcoming obligations, savings, debt progress, and your safe-to-spend amount.
DEXX RECOMMENDS
Add your paycheck and bill dates to create a plan.
RESERVE MEMORYDexx remembers reserves only after you approve a payday plan, then carries those protected dollars into the next paycheck.
3. PAY NOW
Bills due on or before your next payday.
4. PREPARE NOWFuture-bill reserves
Dexx spreads farther-out bills across the paychecks remaining before each due date.
$0.00already protected from approved payday plans
THIS WEEK'S EXPERIMENT+5 score
Build your first payday plan
Add a paycheck and approve Dexx's recommendation.
0% complete
PAYCHECK PLAN HISTORY
Delete one approved paycheck without wiping the rest of your Financial Lab history.
FINANCIAL PROFILE
Your financial DNA.
ADDITIONAL INCOMESPooled into your journey
Your primary paycheck drives the Money Journey. Add any other income here, like bills — each one gets a name, amount, and schedule.
RECURRING BILLS MANAGER0 bills saved
Enter each bill once. Dexx will automatically use the due date and frequency every payday.
Your profile estimate helps Dexx plan, but it never limits how many bills you can save.
PROFILE SUMMARYNeeds setup
CREDIT LAB
Debt Manager.
DEBT INTELLIGENCE0 accounts saved
Save each debt once. Dexx will track balances and choose where extra debt money should go after bills, reserves, and savings are protected.
TOTAL DEBT$0.00
MONTHLY MINIMUMS$0.00
DEXX TARGETAdd an account
YOUR DEBTSExtra-payment target updates automatically
PAYOFF OUTLOOKChecking
Estimates from current balances, APRs, and minimums — not guarantees. Extra payments use your per-check debt goal.
SAVINGS LAB
Turn goals into experiments.
SAVINGS INTELLIGENCE0 goals saved
Create as many savings goals as you need. Dexx will direct the savings portion of approved payday plans toward your active goals after bills and reserves are protected.
TOTAL SAVED$0.00
GOAL TARGETS$0.00
DEXX TARGETAdd a goal
YOUR SAVINGS GOALSPayday contributions update on approval
SAVINGS MILESTONESChecking
Projected finish dates use your per-check savings amount. Set it in Payday Mode to see timelines.
SPENDING LAB
Expense Manager.
SPENDING MEMORYCurrent cycle
Record flexible spending during the week. Dexx subtracts these expenses from TRUE Safe-to-Spend without touching money already protected for bills, reserves, savings, or debt.
STARTING SAFE-TO-SPEND$0.00
SPENT THIS CYCLE$0.00
REMAINING$0.00
Build a payday plan to start tracking
DEXX OBSERVES
THIS PAYCHECK CYCLESpending reduces safe-to-spend
REPORTS LAB
Your money, explained.
FINANCIAL INTELLIGENCECurrent paycheck
Dexx turns your paycheck plan, protected money, expenses, savings, and debt into a clear report you can actually use.
PAYCHECK$0.00
PROTECTED$0.00
SPENT$0.00
SAFE LEFT$0.00
DEXX REPORT
Build a payday plan to unlock your report.
WHERE THIS PAYCHECK WENT$0.00
SPENDING BY CATEGORY0 expenses
PAYCHECK SCORECARDCurrent cycle
BILLS + RESERVES—Required money protected
SAVINGS—Savings moved forward
DEBT—Debt progress this check
SPENDING—Stayed inside safe-to-spend
DEXX INSIGHTS & TRENDSNeed 2 plans
SPENDING TREND
—
Approve another payday plan to compare.
SAVINGS TREND
—
Approve another payday plan to compare.
SAFE-TO-SPEND
—
Approve another payday plan to compare.
PROTECTED MONEY
—
Approve another payday plan to compare.
DEXX INSIGHT
Once you approve at least two payday plans, Dexx will compare them and explain what changed.
Dexx uses saved paycheck-cycle memory so older and newer reports stay historically accurate.RECENT CYCLES0
PAYCHECK HISTORY0 plans
FORECAST ENGINE30-day look ahead
See upcoming bills on a real calendar and preview the next 30 days using your recurring bills, pay schedule, latest entered paycheck, and savings rate.
NEXT 30-DAY BILLS$0.00
INCOME FORECASTLEARNING 0/3
BIG PICTURELive totals
TOTAL DEBT$0.00
TOTAL SAVED$0.00
SAVINGS GOALS0
DEBT ACCOUNTS0
CALENDAR LAB
See what’s coming.
WHAT’S COMING UPChecking journey
Your next money date, connected to the plan.
Dexx connects the calendar to the step that is currently controlling your money cycle.
WHY THIS DATE MATTERS
Dexx is connecting your plan.
Upcoming money dates will explain what unlocks next and which bills are driving protection.
FORECAST ENGINEPlanning estimate
Dexx maps recurring bills and estimated paydays ahead so you can see pressure before it reaches your next check. Payday dates come from your saved schedule. Future paycheck amounts stay locked until Dexx has at least 3 confirmed real checks to learn from.
BILLS · NEXT 30 DAYS$0.00
INCOME FORECASTLEARNING 0/3
EST. SAVINGS TARGETWAITING
AFTER BILLS + SAVINGSWAITING
DEXX FORECAST
Add recurring bills and a paycheck to build your forecast.
SMART BILL CALENDARChecking bills
Every bill gets a clear status and a place in your paycheck plan.
Bill dueEstimated paydayPaidCurrent journey gate
UPCOMING MONEY DATES0 events
CLOUD ACCOUNTNot signed in
Sign in with your email and your Lab follows you to every device. Plus alerts that arrive even when the app is closed. No password, just a code.
LAB MODEPersonal · Business
Own an LLC or freelance? Business Lab keeps invoice income, business expenses, and tax set-asides separate from your personal money.
DEXX ALERTSOff
One alert a day at most. The lock screen never shows dollar amounts.
Alerts are checked each time the Lab opens and, on phones that allow it, in the background. Guaranteed background delivery arrives with cloud accounts.
DEBT STATUSNot confirmed
Dexx should not assume you are debt-free just because no debt accounts have been entered.
Leave this unchecked if you still need to add debt accounts in Credit Lab.
FINANCIAL MEMORY GUARDLocal only
Dexx now stores your Financial Lab working history in two on-device storage layers and keeps them synchronized. Export a backup periodically for protection outside Safari and the installed app.
DUAL DEVICE MEMORY
Financial Lab automatically mirrors your working data on this device and can recover from the newer copy when possible.
APPROVED PLANS0
EXPENSES0
DEBT ACCOUNTS0
SAVINGS GOALS0
Creates one JSON backup containing your complete local Financial Lab memory.
Restoring replaces the current local Financial Lab data on this browser with the selected backup.
Memory Guard ready.
SAFETY & RECOVERY0 safe states
Mistakes happen. Financial Lab now keeps short-term local recovery points before saved changes so you can undo, restore, or reset without blindly wiping the rest of your setup.
UNDO LAST CHANGE
Returns the app to the safe state immediately before the most recent saved change.
Before restoring, Dexx saves your current state too. Recovery points stay on this device and are separate from your JSON backup.
SELECTIVE RESETOnly reset what you choose
Full Financial Lab Reset
Resets all working Financial Lab data on this device. You must type RESET and confirm again. A local undo point is created first.
RECENT ACTIVITYLast 8 shown
Your protected changes will appear here as you use Financial Lab.
Safety & Recovery ready.
MORE
Quick actions.
START HERE
Build your Financial Lab.
GUIDED LAB SETUPGetting ready
Tell Dexx about your money first.
Financial Lab can only build a useful plan from the information you give it. Start with the essentials, then add bills, debt, savings, and spending now or finish those pieces later.
0% complete2 essentials required to enter your Lab
1
NEEDS INFOREQUIRED
Money available today
Enter what you can actually use today. A $0 balance is completely valid — Dexx just needs you to confirm it.
2
NEEDS INFOREQUIRED
Income & next payday
Give Dexx your pay rhythm and the next check you expect. This is setup information — it does not mark the paycheck as landed or funded.
Do you have more than one income?
Side jobs, a second job, benefits, rental income. The paycheck above stays your primary journey — the rest pool in when they land.
RECOMMENDED SETUPSkip now · add later
You can enter the Lab after the two required steps. Dexx strongly recommends adding these pieces because they make TRUE Safe-to-Spend, forecasts, and your financial picture more complete.
Recurring bills
Rent, utilities, insurance, subscriptions, and due dates.
RecommendedDebt
Balances, minimum payments, APRs, and due dates.
RecommendedSavings
Current savings and the goals you want Dexx to help build.
RecommendedSpending
Add recent spending if you want a fuller starting picture.
OptionalLAB READINESS2 essentials remaining
DEXX RECOMMENDS
Start with money available today and your next payday. Then add bills, debt, and savings before relying on the full financial picture.
Complete the two required steps to enter your Lab.
WHAT HAPPENS NEXTSetup → plan → payday
After setup, Dexx guides the money cycle step by step: build the plan, wait for payday, confirm what actually landed, protect the money, then activate TRUE Safe-to-Spend.
DEXX
Your Financial Scientist
Hey Rob! 👋 I'm Dexx. How can I help you today?
🔒 Chat is the one part of the Lab that leaves your phone — your question plus your Lab numbers go to our AI (Anthropic) to write the answer. Never used for training.
Tip: tell Dexx “Netflix bill $15.99 due the 20th” or “spent $42 on groceries” — or snap a pay stub, statement, receipt, or late notice.
BUSINESS LAB
Run the business side.
BUSINESS CASH$0.00
TAX SET ASIDE$0.00
OPEN INVOICES$0.00
OWNER PAY$0.00
60-DAY CASH FORECAST$0.00
QUARTERLY TAXES
$0.00
INVOICESIrregular income
INVOICE FOLLOW-UPSAll clear
PROFIT & LOSS
MILEAGE LOG0 mi
DEDUCTION THIS YEAR$0.00
CONTRACTORS & 1099s$2,000 threshold
BUSINESS EXPENSES
PAY YOURSELFBusiness → personal
Keep the money separate: record what you move from the business to yourself. Pool it in and it joins your personal payday journey.
BUSINESS SETTINGS
25–30% is a common starting point for self-employment plus income tax. Dexx is not a tax advisor — confirm your rate with a tax professional.