VaultlyApps

Productivity Tools

Focused tools that take a recurring chore off your plate and keep the important things in view.

2 projects

Flow ADHD budget planner showing a calm Safe to Spend screen Live

Flow

ADHD Budget Planner

A calm budget planner designed for ADHD brains — one Safe to Spend number, 3-tap logging, focus mode and kind overspend fixes instead of red warnings.

  • Cloudflare Workers
  • JavaScript
  • Progressive Web App
Pulse bill tracker with the 30-day horizon of bill flags and the Penny mascot Live

Pulse

Bill & Subscription Tracker

Every bill and subscription in one calm place — a 30-day horizon of due dates, free-trial countdowns and a simulator that shows what cancelling would save.

  • Cloudflare Workers
  • JavaScript
  • Progressive Web App

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Debt Snowball vs Debt Avalanche: Which Pays Off Debt Faster?

Personal Finance

Debt Snowball vs Debt Avalanche: Which Pays Off Debt Faster?

The snowball method pays the smallest balance first; the avalanche method pays the highest interest rate first. Here's how they compare on the same debts, with real numbers — plus the hybrid method and how to choose.

11 min read
What Is a Safe-to-Spend Number (and How Do You Calculate It)?

Personal Finance

What Is a Safe-to-Spend Number (and How Do You Calculate It)?

Your bank balance isn't what you can spend. A safe-to-spend number subtracts bills, savings and planned spending first — here's the formula, worked examples for monthly, weekly and irregular pay, and the mistakes to avoid.

11 min read

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