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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.
Free forever plan · No credit card · No bank login required
Today
SAFE TO SPEND
$375.00
Rent & internet already protected
Bills protected$965.00
Days to payday1
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.
⏸
Impulse Brake
Pause a purchase for 48 hours. If you still want it later, buy it guilt-free.
◎
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.
Is the Free plan really free?
Yes — no credit card and no time limit. Upgrade only if you want the planning tools in Pro or Advanced.
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.