$
Safe-to-Spend
One number that already accounts for bills, your safety floor and payday. If it's green, you're okay.
● Built for ADHD brains
Your money.
Your money.
One calm screen.
Stop guessing if you can afford it. ADHD Money Guard shows what's safe to spend today, protects your bills first, and gives you one clear next step — no spreadsheets, no shame.
30-day free trial of everything · No credit card · No bank login required
Try it now — no sign-up
SAFE TO SPEND
$400.00
That's $36.36 a day until payday
Protected for bills$650.00
Kept as your floor$150.00
This is the number the app keeps updated for you as bills and spending change. How it's calculated →
Features
Budgeting that works with your brain, not against it.
Less to remember, fewer decisions, and gentle guardrails when impulses hit.
🛡
Bill Shield
Upcoming essential bills are set aside automatically so you never spend rent money by accident.
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Paycheck Autopilot
Give every paycheck a job the moment it lands — bills, savings, debt, fun and buffer.
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Impulse Brake
Pause a purchase for 48 hours. If you still want it later, buy it guilt-free.
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Focus & Calm Mode
Hide everything except what matters right now. Perfect for overwhelmed days.
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Debt Lab & Safety Net
See your payoff date and how many months your emergency fund could carry you.
How it works
Set up in about five minutes.
Start with only what you need. Add the rest when you're ready.
Create your account
Sign up with email or Google. Your workspace is private to you and synced securely.
Add cash, bills & payday
Type in your current balance, the bills you can't miss and when you get paid. No bank connection needed.
Follow one next step
Open the app, check Safe-to-Spend and do the single most helpful thing. That's it.
Pricing
Start free. Upgrade when it clicks.
Every plan includes secure cloud sync and your data export.
Prices in USD. Paid plans are opening soon — join early access from your account and we'll let you know first.
FAQ
Questions, answered.
Do I need to connect my bank account?
No. You enter balances, bills and income yourself. That keeps things simple and means we never have access to your bank.
Is my data private?
Your workspace is stored in your own account and protected so only you can read or change it. We don't sell your data. See our Privacy Policy.
Can I use it on my phone and computer?
Yes. Sign in on any device and your workspace syncs automatically.
What happens after the 30-day trial?
Every new account starts with 30 days of the full Advanced plan, no credit card. When the 30 days end you drop to the Free plan and keep using it for as long as you like — nothing is deleted and nothing is charged, because we have no card on file. Upgrade only if you want the planning tools back.
Can I export or delete my data?
Anytime. Download a backup from Settings, or delete your account and workspace from the Account menu.
Is this financial advice?
No. ADHD Money Guard is an organizing and planning tool. For personal financial advice, talk to a licensed professional.
Guides
Money help written for ADHD brains
Fifteen practical guides on managing money with ADHD — the thinking behind the app, useful whether or not you ever sign up.
Safe-to-Spend: one honest number
What's genuinely yours after bills, your floor and the days until payday — and how to use it day to day.
Read guide →Impulse spending, without shame
Why the brake fails in the moment, and the 48-hour pause that removes most regret purchases.
Read guide →How to never miss a bill again
Missed bills are a visibility problem. Build the list once, protect the money early, check it weekly.
Read guide →Give every paycheck a job
One ten-minute decision on payday beats thirty small ones across a month that never behaves.
Read guide →An emergency fund on irregular income
Start with one bad day's cost, then one month of essentials. Save by percentage, not by fixed amount.
Read guide →The ten-minute weekly reset
Five steps, once a week, designed to survive bad weeks instead of collapsing on them.
Read guide →The ADHD tax, and how to cut it
Late fees, duplicate buys, forgotten subscriptions. Measure one month, then fix the biggest lines.
Read guide →When you can't face looking
Avoidance costs more than any impulse purchase. A five-second way back to checking your money.
Read guide →Choosing a budgeting app with ADHD
The five features that decide whether an app survives week six — and three that matter less.
Read guide →