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Budget apps quietly assume you will show up every day. Miss two weeks and you return to a backlog: transactions to enter, categories to fix, totals that are wrong until you do the homework. For an ADHD brain that backlog is usually the end of the budget — not because the arithmetic is hard, but because the app made your attention a load-bearing wall. This app makes the opposite structural bet: your position is worked out from today's account balance — one number that is correct whether or not you wrote anything down. Yesterday's balance, plus what came in, minus today's, is what went out. Missing weeks costs nothing, and there is no streak, no completion percentage and no count of days logged anywhere in the file — the build fails if one appears, so that promise is enforced by machinery, not by good intentions.
The Today screen asks for exactly one thing, in one field at the top, with the date already filled in: the balance on your account right now. Under it, the app shows what is genuinely safe to spend — and shows its working line by line: your balance, minus bills that fall due before your next money, minus anything overdue, minus this stretch's share of your set-asides, minus the floor you never want to touch, plus money you are sure is coming. Next to it, plain words instead of a dashboard: how many days your money covers and when the next money arrives. Bills are listed nearest-first as "in 4 days", because "due on the 1st" is a fact about the calendar, not about how close the 1st is.
The other tabs stay out of your way. Bills: an amount, a rhythm (every N days, weeks, months or years, or once) and one anchor date — repeats are worked out in both directions from that anchor, the 31st stays the 31st where a month has one, and each bill shows its days-until, its overdue state and its monthly equivalent. Money in: dated amounts you expect, each marking whether it starts a new stretch. Set-asides: a target, a date, what has been moved so far — funded pro-rata by the days this stretch actually covers, and a stretch you missed is stated once, never collected twice. Data: language, currency, a balance history you can edit, backup and restore as a file, CSV export, and erase-everything behind a typed word.
It is one .html file. You save it to your phone or computer and open it like a page — no install, no account, no subscription, no bank login, and no server anywhere in it: open the file in a text editor and search for "http" and you will not find one. Your figures live in your own browser and leave it only inside backup files you save yourself. It speaks eight languages — English, Spanish, German, French, Portuguese, Italian, Dutch, Russian — with real plural forms, and formats money in eighteen currencies from the menu plus any code your browser knows.
The arithmetic is not taken on trust. Every figure — safe-to-spend, days covered, each bill's occurrences inside a window, each fund's share — is checked against a second, independently written model over 616 scenarios and 5,536 individual comparisons before the file is packaged, and the packaging stops on the first difference. The awkward cases are in there on purpose: 29 February, a bill anchored on the 31st, anchors in the future, gaps of one, nine and forty days, a negative safe-to-spend. During the build this check caught a real discrepancy in how occurrences of a bill anchored on month-end were counted — which is exactly what an independent check is for.
What you get
- A single .html file — save it, open it, done. No install, no account, no subscription, no internet needed after the download
- One field a day: type today's balance and every figure rebuilds from it — spending is derived, not typed in
- Safe-to-spend with its working shown line by line: bills due before your next money, overdue amounts, set-asides' share, your floor, expected money in
- "Money for N days, next money in M days" said in plain words — four descriptive bands, no red alarms and no judgement
- Bills as "in 4 days", nearest first: an amount, a rhythm (every N days, weeks, months, years, or once) and one anchor date — and the 31st stays the 31st after a short month
- Set-asides funded pro-rata by the days this stretch covers; a missed stretch is stated once, never collected twice
- Come back after any gap: the age of your last balance is shown as a fact, one typed number makes everything current, and nothing asks you to back-fill
- No streak, no completion meter, no count of days logged — anywhere in the file, enforced by the build itself
- Eight languages and eighteen currencies plus any code your browser knows; your figures stay on your device, with file backup and CSV export
- Arithmetic checked against an independently written model: 616 scenarios, 5,536 comparisons, 0 differences — the result ships in the download
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What's inside
Questions
What happens when I stop using it for three weeks?
You open it and type today's balance. That is the whole recovery. The app always works from the last balance you entered, shows how old it is as a plain fact, and one new number makes every figure current. The weeks in between are shown honestly as "over 21 days, this much went out" — one fact about a period, not an invented daily average, and not a list of days you failed to fill in.
Is this really not an app I have to install?
It is a web page saved as a file. On a computer you double-click it; on a phone you open it from your files or add it to your home screen. Nothing installs, nothing asks for permissions, and it works with the aeroplane mode on.
How is this different from the Tidy Cents Budget App — which of the two is mine?
They are opposite structural bets. The Tidy Cents Budget App is a ledger: accounts, entries, plan-versus-actual by category, reports — it gives you more views, and it is correct as long as you keep entering what you spend. This one is anchored: it derives everything from today's balance, so it is correct even when you enter nothing for weeks. If typing in your spending is something you reliably do, the ledger tells you more. If abandoned-in-week-three is your actual failure mode, the anchored one is built for exactly that. Both are one offline file with nothing leaving your device.
How is this different from the ADHD Money System workbook?
Same anchored idea, different form. The workbook is a spreadsheet system with printable sheets — more surfaces, a monthly review, and it lives on a computer. The app is the always-in-your-pocket form: one field on the Today screen and everything derived, on the device you actually have with you when you wonder whether you can afford something. They share the arithmetic; neither needs the other.
Where do my figures go?
Into the storage of the browser you opened the file in, on that device. They are not sent anywhere: the file contains no network code at all, which you can verify yourself by opening it in a text editor and searching for "http" or "fetch". The flip side is that clearing your browser's site data will erase them, so the file has a backup button — use it.
Does it require a diagnosis, or claim to treat anything?
No. It is a budgeting tool, not a medical product — it diagnoses nothing, treats nothing and asks nothing about you. It is built around four design constraints drawn from how budgets actually get abandoned: starting must be nearly free, the answer must be visible without arithmetic, deadlines must be shown as distances, and a gap must never create homework or a verdict.
Which currencies and languages does it handle?
Eighteen currencies from the menu, plus any other currency code your browser's own formatter knows, formatted the way each language formats money. Eight languages: English, Spanish, German, French, Portuguese, Italian, Dutch and Russian — switching language never touches your entries.
How do I know the arithmetic is right?
Because it is checked against a second implementation written separately from the first, over 616 scenarios and 5,536 individual comparisons, and packaging stops on the first difference. The scenarios include the awkward cases: 29 February, bills anchored on the 31st, anchors in the future, overdue bills, gaps of one, nine and forty days, a negative safe-to-spend, a fund whose date has passed. The download includes the rules and the result, in plain words.
Is there a subscription, or will it stop working?
No subscription and no expiry. There is nothing to renew, no licence server to check in with, and no account to be locked out of. The file you download works for as long as browsers open .html files.
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Personal-use license for one household. No resale or redistribution. Delivered as a ZIP download immediately after payment. No physical item will be shipped.
ADHD Budget App
One offline file that rebuilds your whole budget from one number — today's balance. Miss a day or a month, type the balance, and everything is current again: safe-to-spend, bills before your next money, set-asides.
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- Works in any country · your own currency
- Download link on the confirmation page and by email
- What you need: One .html file · any modern browser · Windows, Mac, Linux, iPhone, Android · works with no internet
- Full refund within 24 hours — just message us, no reason needed
- Formats: One .html file · any browser · Windows, Mac, Linux, iPhone, Android · works offline
- ZIP: 139 KB
Ask within 24 hours of paying and we refund the whole amount — no form, no reason needed. Up to 30 days we still refund, minus the 4% payment processing fee. Files that will not open are always refunded in full, with no time limit.
