Safe to spend today.

Calm money planners for an ADHD brain. No bank connection. Your numbers stay on your device. Pay once, keep it.

Today screen of ADHD Budget and Planner. Example numbers show safe to spend of $304.00 until Saturday 31 October.
Today screen of Budget and Payoff on a phone. Example numbers, debt-free by June 2028, safe to spend $304.00.

The live apps, with example numbers. ADHD Budget on the laptop, Budget & Payoff on the phone.

No. 01 ADHD Budget & Planner

A daily money planner.

The big number is what you can spend today. Bills are held back before you spend.

  • Safe to spend today, and each day until payday
  • Bills held back before you spend
  • Goals, envelopes, and a month planner
  • Focus mode dims everything below the big number
  • More than one paycheck, each on its own schedule

CA$16.99 once. Yours for good.

Already bought it? Open the app.

Bills screen of ADHD Budget and Planner. Example bills, with about $874 still to go out and held before payday.
Goals screen of ADHD Budget and Planner on a phone, with two example savings goals.

Bills on the laptop. Goals on the phone. Example numbers.

No. 02 Budget & Payoff

A debt payoff plan.

The same kind of planner, plus a debt payoff plan and the date you are debt-free.

  • Safe to spend today, with bills held back
  • A payoff plan and your debt-free date
  • Extra money can go straight to the next debt
  • Goals, envelopes, and payments you mark as you send them
  • Words in English or German

CA$16.99 once. Yours for good.

Already bought it? Open the app.

Payoff plan in Budget and Payoff. Example debts and a debt-free date of June 2028.
Payments screen of Budget and Payoff on a phone. October 2026, no payment recorded yet, example debts listed.

The payoff plan on the laptop. Payments on the phone. Example numbers.

Prefer Etsy? Both apps are also in the Etsy shop.

No. 03 Free, by email

Free: the Safe‑to‑Spend Machine

Three numbers in, one number out. About 60 seconds.

Fell off for a few weeks? Do not go back and fix everything. Start from today’s balance. That is a real restart.

The free Safe-to-Spend Machine on a phone. Example numbers: $1,240.00 in checking, $890.00 in bills before payday, safe to spend $58.33 today.
The free machine on a phone. Example numbers.
  1. What is in checking

    Type the balance you see in your bank right now.

  2. What still has to go out

    Only the bills due before your next payday.

  3. When payday is

    Pick the date. Today counts as a day.

  4. Safe to spend today

    The machine does the math and shows one number.

No. 04 Which one

Pick the one you need.

Most people need one app, not both. Each is a one-time purchase with lifetime access.

Today screen of ADHD Budget and Planner on a laptop, with the coloured month tabs down the right side. Example numbers, safe to spend $304.00 until Saturday 31 October.
Today screen of ADHD Budget and Planner on a phone. Example numbers, safe to spend $304.00.
The live app on a laptop and a phone. Example numbers.

If you want calm in the day-to-day

ADHD Budget & Planner

Safe to spend today, bills held back before payday, goals, envelopes and a month planner.

CA$16.99 once

Buy ADHD Budget & Planner
Today screen of Budget and Payoff on a laptop, with the coloured month tabs down the right side. Example numbers, safe to spend $304.00 and debt-free by December 2027.
Today screen of Budget and Payoff on a phone, with the coloured month tabs across the top. Example numbers, safe to spend $304.00.
The live app on a laptop and a phone. Example numbers.

If debt is the main thing

Budget & Payoff

The same safe to spend number, plus a payoff plan with your debt-free date.

CA$16.99 once

Buy Budget & Payoff

Secure checkout by Stripe. Your app link appears as soon as you have paid. Prices in Canadian dollars.

No. 05 Questions

Before you buy.

Is this a subscription?

No. You pay once and the app is yours. No account and no monthly fee.

Do I need both?

Almost never. They overlap. Budget & Payoff has the same daily planner plus a debt payoff plan. Pick ADHD Budget & Planner for the day-to-day, or Budget & Payoff if paying down debt is the main thing.

Does it connect to my bank?

No. You type what is in checking. The planner never connects to your bank. You can add more than one account and type those balances too.

Will it work on my phone and my computer?

Yes. Both are web apps that open in the browser. Your numbers are saved on that device first. Turn on sync only if you want the same planner on another phone or computer. If you do, the app scrambles your numbers on your device before they leave it.

What if I do not open it for a while?

The apps save in the browser. Safari can clear that after about a week away, so download a backup file. That file is the copy that lasts. If you have been away, start again from today’s balance. You do not have to repair the missed weeks.

Can I try it first?

Yes. Each app has a free demo with made-up numbers, so you can click around before you pay.

How do I pay?

The buy button opens a secure Stripe checkout. Pay by card, and the link to your app appears on the next screen. Prices are in Canadian dollars; your card converts them if needed.

I already bought one on Etsy.

Then you are set. Open ADHD Budget & Planner or Budget & Payoff. Questions? Email thelittlemachines@gmail.com.