Know exactly what is safe to spend today.
One number. Your rent, your bills, your envelopes and your goals have already come off it — so what you see is money you can actually spend, with nothing left to work out in your head at the till.
One payment. Yours forever. There has never been a subscription and there never will be.
You can use the entire app right now, before you pay anything. No email, no card, no sign-up.
If this is you, keep reading
You are not bad with money. You are doing arithmetic nobody should have to do standing in a shop.
The balance in your banking app is a lie of omission. It does not know that rent leaves on Tuesday, that the car insurance renews this month, or that $180 of it was quietly promised to Christmas. So you guess. And you are wrong by the 28th, every single month.
The money that was never yours
You see $600 and relax. Four hundred of it belongs to bills that have not left the account yet. You were never careless — you were handed a number that was hiding something.
The bill you absolutely knew about
You did not forget it. You could not hold it in your head at the one moment it mattered. A late fee is not a character flaw. It is a tax on working memory, and you have been paying it for years.
Day nine of the perfect system
Twelve tabs, colour-coded, beautiful. Then one missed day, and opening it starts to feel like being told off. So you stop opening it. And then you stop looking at money at all.
Here is the part nobody says out loud: none of that is fixed by trying harder. It is fixed by a tool that does the holding for you.
Same account. Two very different numbers.
Your bank tells you what is in there. Not what is yours.
Looks fine. Feels fine. Then rent leaves on Tuesday, the insurance renews, the phone bill lands, and the money you set aside for Christmas turns out to have been lunch.
After the bills, the envelopes, the goals and what you already spent. Thirteen days to payday, about $41 a day. This is the only number that ever needed to be big.
Same money. The difference is $2,314.42 of things you were about to forget.
Try the idea right here, on this page
Tap a spend. Watch the number do the thinking.
This is the mechanic of the whole app, working. Log something and the safe-to-spend figure drops by exactly that much. Tap the big number to see how it was built. Tap Undo if you regret the coffee.
How this number is made
These are the example numbers from the free demo. In the app, every line here opens on a tap and nothing is hidden behind a summary.
Fifteen seconds, no voiceover
This is the real app moving, not a mockup.
A spend gets logged, the big number drops by exactly that much, the arithmetic opens up, and then the calendar, the paychecks and the debt date.
The maths on the app itself
A subscription app is the most expensive way to be told you are broke.
The popular budgeting apps charge between $8 and $15 a month. Stop paying and your own history goes behind a paywall. Here is what three years of that looks like next to this.
Thirty-six payments. Plus every price rise in between. And on the day you cancel, you are locked out of your own numbers.
One payment. Every update I ever ship, free. The file is yours — it cannot be taken back, and it cannot go up in price on you.
That is not a discount. That is a different kind of thing you are buying.
Why the last four things did not stick
Every tool you have tried made you do the work first.
None of them were bad. They were all built on the same wrong assumption — that the hard part is discipline. It is not. The hard part is the twelve seconds between wanting to log something and having logged it.
Printables
Lovely on day one. But paper cannot add up, cannot warn you, and is sitting on your kitchen table while you are standing at the checkout.
Spreadsheets
Powerful, and entirely yours to build and maintain. One wrong tap overwrites a formula, and on a phone you are pinching across cells the size of a grain of rice.
GoodNotes planners
Beautiful handwriting on a tablet, and still just paper underneath. Nothing calculates. Nothing notices the month with three paydays.
Subscription apps
Account, trial, card, bank login, then a charge every month for the rest of your life. Stop paying and your own numbers go behind a paywall.
| This app | A spreadsheet | A subscription app | |
|---|---|---|---|
| Getting started | Three questions, then a real number appears | Build it yourself, or unpick someone else's | Account, then a trial, then a card |
| On your phone | Built phone-first, add it to the home screen | Pinch and drag across tiny cells | Usually fine, if you are online |
| A month with three paychecks | Spotted and flagged on its own | Only if you built the formula | Depends on the app |
| If you tap the wrong thing | Undo, on every single thing you can break | You just overwrote a formula | Usually recoverable |
| Where your numbers live | On your device. Nowhere else, ever | A cloud drive, tied to an account | Their servers, tied to a login |
| Languages | English, Spanish, German, French, Italian | Whatever you typed yourself | English, usually |
| Try it before paying | The complete app, free, right now | Screenshots | A trial that wants your card |
| What it costs | Once. Then never again | Free, plus your evening | Every month, forever |
This compares categories of product, not any one named competitor.
Built ADHD-first, not decorated afterwards
Seven decisions that are the reason this one sticks.
Every one of them exists because the usual advice — be more consistent, try harder, just remember — is not a feature.
Three seconds, or it will not happen
Logging has to be faster than the urge to not bother
Amount, category, done. It guesses the category for you and it remembers your usual ones as one-tap presets. A habit does not survive a nine-field form, and everybody who built one of those forgot that.
- Setup is three questions, not thirty
- Coffee and lunch are one tap, not seven
- A streak that rewards opening the app, not being perfect
Undo on everything
Nothing in here is unrecoverable
The real reason people abandon a spreadsheet is one bad tap they cannot take back. Here every destructive thing is reversible, and the app tells you so at the moment you do it — no dialog asking whether you are sure, just a way back.
- Delete, edit, import, reset — all reversible
- Built for a thumb, not for a mouse pretending to be one
- Add it to your home screen and it opens like any other app
Income that never behaves
Twice a year a month has three paydays. It finds them for you.
Paid every two weeks, and suddenly a month has an extra paycheck in it — the single best month of the year to kill a debt, and most people never notice it arrive. This looks six paydays ahead and flags them. Got a bonus, a side job, or a paycheck that landed different? Log the real figure and the whole period recalculates around it.
- Weekly, biweekly, semi-monthly or monthly
- Three-paycheck months found and marked in advance
- Correct a paycheck after the fact without breaking anything
Money you cannot accidentally spend
What you set aside leaves the number before you can touch it
Fill an envelope and that money is gone from safe-to-spend the same second. Not a warning after the damage — it simply is not in the number any more. This is how the car service in November stops being a catastrophe in November.
- Sinking funds for the bills that arrive once a year
- Refills itself every pay period if you want it to
- Every envelope shows what is planned, what is spent and what is left
An actual date, not a vibe
The month you stop owing anybody anything
Snowball or avalanche, your call, both compared side by side. It gives you a real date and the honest interest figure — not the flattering one — and that date moves every time you pay something off. Watching it move is the part that keeps people going.
- Both methods, with the difference in months and dollars
- Interest told straight, never rounded in your favour
- An extra payment shows you instantly what it bought you
The forty-eight hour rule
Park the impulse buy. Most of them answer themselves.
Want it? Put it on the wait list instead of in the basket. Forty-eight hours later the app asks you again — and by then most things have quietly become no. It also shows you what saying no has added up to, which is a number most people have never seen about themselves.
- The waiting does the arguing, so you do not have to
- Routines: the same short payday checklist every time
- No shame anywhere in the interface. Not one guilt-trip.
Yes, really — print any screen
Some weeks the plan only works if it is on the fridge
Every screen prints properly on Letter or A4 — laid out for paper, not a screenshot with the sidebar cut off. For a lot of people it is the difference between a plan they look at and a plan they walk past twelve times a day.
- All thirteen screens, not a summary page
- Letter and A4, margins that actually fit
Where the spending actually happens
Built for a thumb in a checkout queue.
Not a desktop app squeezed onto a phone. Full-size targets, one column, the important number at the top, and a bottom bar you can reach without moving your hand.
Make it yours in two taps
Ten palettes. Light and dark. Twenty different ways to look at your money.
This matters more than it sounds. A money app you find unpleasant to look at is a money app you will not open — and an app you do not open cannot help you. Pick the one you actually like. Change it whenever you are bored of it.
10 palettes
Sage, clay, harbour, plum, forest, ember, mint, berry, slate and ink. Every one of them designed, not generated.
Light and dark
Both, for every palette, switched in one tap. Dark mode is not an afterthought bolted on at the end.
Corners and density
Soft, round or sharp corners. Comfortable or compact spacing. Larger text if you want it.
38 currencies
Formatted the way your country writes money, not just a dollar sign glued to the front.
Everything, at one price
Thirteen screens. All of them, on day one.
Not a taster with the good parts locked. There is no paid tier and no add-on, because there is nothing else to sell you. Click through them — this is the real app, not a mockup.
The honest inventory
Everything that is in the file you get.
Not a highlights reel. This is the list.
Every day
The plan
ADHD tools
Looking back
Yours to set
Yours to keep
One file. Every device. Wi-Fi off.
It opens in the browser you already have
There is no installer, no app store, no account and no server. It is a single file, and it works on a plane, in a basement, and on hotel wifi that cannot load a photo.
- Mac, Windows, Linux — Chrome, Edge, Firefox, Safari
- Android — add it to the home screen and it opens like a real app
- iPhone and iPad — through the free Documents app, the guide shows the exact taps
- The same file, the same numbers, on all of them
English · Español · Deutsch · Français · Italiano
Five languages, and the whole app moves — not just the menus
Every label, every date, every chart, every explanation. Pick one on the first screen or switch in the middle of the year. Your numbers stay exactly as you typed them.
- Thirty-eight currencies, formatted the local way
- Switch language any time without losing a thing
Nobody sees your numbers. Including me.
There is no server, so there is nowhere for it to go
No account, no sync, no login. It never asks for a bank connection, a card number or a password, and it makes zero network requests of any kind — that is checked automatically every single time the file is built, not promised in a policy page.
- The honest flip side: it lives in your browser, so clearing your browsing data clears this too
- Which is exactly why backup is one tap, and CSV export is built in
- I would rather tell you that here than have you find out in March
Before you spend a cent
Do not take my word for any of this. Go and use it.
The complete app — all thirteen screens, all the palettes, the charts, the debt engine, every button — is sitting on the internet right now with example numbers already in it. Not a video. Not a tour. The actual thing you would be buying.
- Log a spend and watch the big number move
- Tap any total and see the arithmetic underneath it
- Change the palette, flip it to dark, switch it to Spanish
- Break something and undo it
- Print a screen if you want to
It costs nothing and asks nothing. No email, no card, no sign-up, no trial that starts counting down. Nothing you type there is saved, and nobody follows up. Look at it, decide it is not for you, and close the tab — that is a completely fine outcome.
app.thesheetflow.com/adhd-budget — the same build as the file you get.
app.thesheetflow.com/adhd-budgetAsk yourself why none of the paid budgeting apps will let you do that.
The four things people say right before they buy
Launch pricing
Pay once. There is no month two.
A budgeting app at $9.99 a month costs you $359 over three years, and on the day you stop paying you lose access to your own history. This is one payment, and then the file is simply yours — including every update I ever ship.
Just the app
The one this whole page is about.
- ADHD Budget Planner App — 13 screens, one file
- Safe-to-spend, bills, envelopes, paychecks, goals, debt, insights
- 5 languages · 38 currencies · 10 palettes, light and dark
- Setup guide PDF · free updates for life
Instant download · Works offline
The money pair
Because the leak is almost never lunch. It is the eleven things renewing quietly in the background.
- Everything on the left, plus:
- Subscription Tracker App — 15 screens, same one-file format
- Tells you what to cancel and prints the reason in words
- Catches duplicates, price rises and trials about to charge you
- Its headline number is not what you pay — it is how much of it is wasted
Two apps · Both work offline
The whole shelf
Both apps plus six complete printable planners — money, life, ADHD, gratitude, health. 747 printed pages.
- Everything in the pair, plus:
- The Everything Planner — 194 pages, 10 sections
- The Life Planner — 140 pages, 12 months
- ADHD Life Planner — 110 pages, starts with ten
- Budget Planner Printable — 103 pages, portrait and landscape
- Gratitude Journal — 100 pages, 132 prompts
- Fitness & Health Planner — 100 pages, built for the day you miss
- A4, A5 and US Letter · print at home or use on a tablet
8 products · 747 pages · One payment
Instant download
The files are on your device within a minute of paying. Nothing ships, nothing waits for approval, nothing arrives on Tuesday.
Free updates for life
When a new build goes out, you get it. Message me and I send you the newest file. That is the entire process, and there is no version 2 you have to buy.
If it does not do what this page says
All sales on digital files are generally final — which is exactly why the whole app is free to use above. But if a file is faulty or does not do what this page describes, email me within 14 days and I will fix it or refund you in full.
Open the boxes
What is actually inside each one — and a button under each.
Nobody should buy a bundle described in four words. Here is every product, what it does, how big it is, and what it costs on its own. Pick from here if you already know.
Just the app
$29.95$59.90One product. The thing this whole page is about. Comes with the two-page START HERE guide that gets it onto your phone and backs your numbers up.
ADHD Budget Planner App
- Safe-to-spend, with the arithmetic one tap away
- Bills, envelopes, calendar, paychecks, goals, debt, accounts
- 48-hour wait list, routines, insights
- 5 languages · 38 currencies · 10 palettes, light and dark
- Works offline, no account, undo on everything
The money pair
$47.90$119.80Both browser apps. The first one tells you what is safe to spend today. The second one finds the money leaving every month without asking — the eleven things renewing in the background that nobody remembers signing up for. Same one-file format, same offline, same no-account. They are the two halves of the same problem. Both come with the two-page START HERE guide.
ADHD Budget Planner App
- Safe-to-spend, with the arithmetic one tap away
- Bills, envelopes, calendar, paychecks, goals, debt, accounts
- 48-hour wait list, routines, insights
- 5 languages · 38 currencies · 10 palettes, light and dark
- Works offline, no account, undo on everything
Subscription Tracker App
- Every subscription and what it truly costs a year
- A verdict on each one, with the reason written in words
- Catches duplicates, price rises and trials about to charge
- Finds the annual plan that would have been cheaper
- Same format: offline, no account, print any screen
The whole shelf
$69.95$222.74Eight products. Two apps and six complete printable planners — 747 pages you can print at home in A4, A5 or US Letter, or open on a tablet. This is everything TheSheetFlow makes for money, time, attention and health, in one download, at less than the price of the three planners on their own. Every planner is undated, so nothing in here expires in January, and every one of them starts with a short list of the pages to print first so you are never staring at a hundred sheets wondering where to begin.
ADHD Budget Planner App
- Safe-to-spend, with the arithmetic one tap away
- Bills, envelopes, calendar, paychecks, goals, debt, accounts
- 48-hour wait list, routines, insights
- 5 languages · 38 currencies · 10 palettes, light and dark
- Works offline, no account, undo on everything
Subscription Tracker App
- Every subscription and what it truly costs a year
- A verdict on each one, with the reason written in words
- Catches duplicates, price rises and trials about to charge
- Finds the annual plan that would have been cheaper
- Same format: offline, no account, print any screen
The Everything Planner
- Ten sections, each with its own colour and front page
- Coloured tabs that jump straight to a section on a tablet
- Full-colour edition and an ink-saver edition, same 194 pages
- Cut-out cards, four sizes, portrait and landscape
The Life Planner
- Twelve months, seven pages each: grid, plan, four weeks, review
- 72 review questions and not one of them repeats
- Open, parked and last-time pages instead of streaks
- The page nobody prints: what the book costs you in paper
ADHD Life Planner
- Opens by telling you to ignore a hundred pages and print ten
- A page for the day you come back that does not ask where you were
- Guess-versus-actual time pages, a toolkit, a meds log
- Printed twice, because once was never going to be enough
Budget Planner Printable
- Paycheck budgets, savings, debt payoff, on paper
- The same 103 pages in portrait and in landscape
- Four print sizes and two themes
- The paper twin of the app, for the weeks you want a pen
Gratitude Journal
- Nine practices, 132 prompts, none repeated
- Built on what the research actually found, not a list of three things
- Undated, in five parts, start anywhere
- Eight pages to print first, then it gets out of the way
Fitness & Health Planner
- Built for the day you miss, not the day you start
- Three logs, a last-time page, if-then plans
- Your units, your baseline, three anchors
- Ten-minute setup and the eight pages to print first
Instant download · every file yours forever · free updates on both apps for life
The moment you pay
Two files. Nothing to wait for.
Open the one that starts with 01 and it walks you through the rest. Most people are logging their first spend inside five minutes.
- 1DownloadBoth files, straight after payment, in your browser.
- 2OpenTap the .html file. It opens in the browser you already use.
- 3Answer three questionsCurrency, how often you are paid, roughly how much. Then a real number appears.
What buyers say
Before you decide
The questions people actually ask.
Is this an app I install, or a spreadsheet?
Neither. It is one .html file that opens in the browser you already have — Chrome, Safari, Edge or Firefox. Nothing installs, nothing goes near an app store, and there is no spreadsheet underneath it. On Android you can add it to your home screen and it opens like any other app.
Does it connect to my bank?
No, and it never will. It never asks for a bank login, a card number or a password, and it makes zero network requests of any kind — that is checked automatically every time the file is built. You log what you spend, and it does everything else.
Where are my numbers stored?
In your own browser, on your own device. There is no account and no server, so there is nowhere else for them to be. The honest flip side: clearing your browsing data clears this too, which is exactly why backup is one tap and CSV export is built in.
Will it work on my iPhone?
Yes, through the free Documents app — the setup guide shows the exact taps and it takes about a minute. On Android it goes straight to the home screen. On a computer you just double-click the file.
Is there a subscription, a trial, or a paid tier?
None of the three. You pay once, you get every screen, and updates are free for life. There is no locked feature, because there is nothing else to sell you.
I get paid every two weeks and it is never the same amount.
That is the exact case this was built for. Weekly, biweekly, semi-monthly or monthly — it looks six paydays ahead and flags the months with three paychecks. If a paycheck lands different, log the real figure and the period recalculates around it.
What if I do not like it?
Use the complete app above before you pay anything — it is the same build as the file you would get, and it costs nothing. Digital files are generally final sale, but if what you receive is faulty or does not do what this page describes, email within 14 days and I will fix it or refund you in full.
Do I need to be good with spreadsheets or with money?
Neither. Setup is three questions — your currency, how often you are paid, and roughly how much. Then a real number appears and you are using it. If you can log a coffee, you can run this.
Can more than one person use it?
It is your file. Put it on your laptop, your phone and your tablet, and give a copy to your partner if you want. There is no licence server counting devices, because there is no server at all.
Open it. Use it for ten minutes. Then decide.
That is the whole pitch, and it is the only one I have got. The complete app is sitting there, free, with example numbers already in it. If the big number makes sense to you, come back and buy it. If it does not, you have lost ten minutes and nothing else.
A budgeting tool, not medical or financial advice. Comparisons on this page describe categories of product, not any one named competitor.