Live
Web app (installable PWA) 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.
Try the live demo to explore the application — it runs right here on VaultlyApps with sample data, no sign-up needed.
Flow is a budget planner app designed for people with ADHD. Instead of dense charts and red warnings, it shows one calm Safe to Spend number, lets you log spending in three taps, and offers a focus mode that hides everything except the essentials. It installs on phone and laptop, works offline, and has no account or subscription.
Budgeting with ADHD usually fails because of design, not willpower — too many screens, too much typing and too much shame when a month goes off plan. Flow reduces each daily action to the fewest possible steps and replaces guilt with gentle, specific next steps.
One number that answers "what can I spend?", with a "How is this worked out?" view that shows every line behind it.
Type in your real bank balance and Flow reconciles the difference, so anything you forgot to log stops mattering.
Open, amount, done. Logging is fast enough to happen at the checkout.
One toggle hides everything except the essentials for days when the full screen is too much.
Park an impulse purchase for 48 hours, then let it go, buy it, or turn it into a savings goal.
Suggestions like "move $40 from Groceries?" instead of harsh red alerts. Calm envelopes, zero red.
Finds forgotten subscriptions, late fees and double charges, with the yearly total.
A guided 5-minute weekly check-in, and streaks that reward rhythm — a missed day gives you a fresh start, not a scolding.
Log a coffee on your phone and see it on your laptop a moment later. End-to-end encrypted, up to 4 devices.
Scroll sideways · select to enlarge
Flow's Safe to Spend card with the amount free until payday and a per-day figure
Logging an expense in three taps
Focus mode hiding everything except the essentials
Monthly envelopes with soft progress bars
Month calendar with daily spending and upcoming bills
Try the live demo with sample data and the guided tour.
After buying, open your private link and install Flow on your phone or computer.
Set your pay schedule — weekly, every 2 weeks, twice a month or monthly.
Log spending as it happens and keep an eye on one number.
Most budgeting apps are built for people who enjoy spreadsheets. Flow starts from the opposite assumption: the less you have to read, decide and type, the more likely you are to keep going.
That shows up everywhere. The home screen leads with a single Safe to Spend number. Envelopes use soft progress bars and never turn red. Overspending produces a specific, fixable suggestion — "move $40 from Groceries?" — instead of an alarm. A missed day breaks nothing: streaks reward rhythm, and you get a fresh start rather than a reset counter.
Safe to Spend is the money that's genuinely free until your next payday, after bills, savings and planned spending have taken their share. Flow shows it as an amount and as a per-day figure, and "How is this worked out?" lists every line behind it.
The hardest part of budgeting with ADHD is usually logging, so Flow makes forgetting harmless. Check my money lets you type your real bank balance; anything you forgot to log is absorbed, and the number is correct again in seconds. Our guide What is a safe-to-spend number? explains the idea in more detail.
You don't need a diagnosis to use it — the same design helps anyone who wants budgeting to take less effort.
Logging in three taps. Open → amount → done. Category and note are optional, so the habit survives busy days.
Paycheck budget and envelopes. A zero-based budget where every dollar gets a job, shown as calm monthly envelopes with soft progress bars. Overspend fixes suggest exactly where the money could come from.
Bills and money in. A bill tracker for weekly, every-two-weeks, twice-monthly, monthly, every-few-months and yearly bills, with a "will my next paycheck cover it?" timeline. Money in tracks paychecks, money on its way and money owed back to you.
ADHD tax check. Finds the costs that come from things slipping — forgotten subscriptions, late fees and double charges — and shows their yearly total. For a step-by-step clean-up, see how to track subscriptions.
Savings and debt. Savings goals with progress rings and one-tap "move money to goal", challenges (52-week, 100 envelopes, penny-a-day, no-spend days or your own) and a snowball or avalanche debt plan with your debt-free month. Stepping-stone milestones stay earned even after a quiet week.
Month view. The whole month as a calendar, with daily spending and upcoming bills.
Flow has no account and no bank login. Your data lives on your own devices. Link your phone and laptop once with a 6-digit code or QR, and a coffee logged on your phone appears on your laptop a moment later — encrypted on the device before it travels, so the relay in between can't read it. Bank CSV import, printable monthly reports and JSON backup and restore are included.
Flow installs from your private link on iPhone, iPad, Android, Mac, Windows and Chromebook, and works offline once installed. You can choose calm, light, dark or auto themes, four accent colours, bigger text and any currency.
Vault is our full personal finance dashboard, with net worth, reports and a deeper debt planner. Nest is a dedicated savings challenge tracker, and Pulse focuses on bills and subscriptions.
Flow is an organizing tool, not financial advice. It needs internet the first time you open it on each device and works offline after that.
Further reading
Business Software
Owner's draw or salary, how much to take, and how to turn uneven income into a steady paycheck — a practical guide for sole proprietors, freelancers, makers and small business owners, with a worked example.
Personal Finance
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.
Personal Finance
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.
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