Safe to Spend: Today page on laptop, tablet and phone – $144.66 available today, $226.80 this week, $637.50 until payday

Safe-to-Spend Budget Tracker – an ADHD-friendly budget planner for every day

Your money until payday as one daily amount – after bills, savings and a buffer.

Web app + Sheets
Made for ADHD brains
US · International · German

€6.99 for buyers in Germany, incl. 19% VATOne-time purchase · instant download

Etsy shows the final amount in your currency at checkout.

Buy on Etsy – €6.99

You'll check out on Etsy – how do I get my files?

After payment, download your files in a web browser – Etsy → You → Purchases and reviews → Download files, or the link in Etsy's order email if you checked out as a guest. The Etsy app can't download files.

One daily amount, plus week and payday
Bills, savings and a buffer set aside first
Impulse pause from 24 hours to 7 days
Offline web app plus Google Sheets version

Money Overview Bundle: 3 tools, 25% off on Etsy →

In short

An ADHD-friendly budget planner with one number for today

Safe-to-Spend Budget Tracker is a one-time download: an offline web app (no account needed) plus a separate Google Sheets™ template (free Google account) that spreads the money left after bills, savings and a buffer over every day until payday and shows an estimated amount for today. No subscription.

A full budget can be a lot to hold in your head between paydays. This planner is made for ADHD brains and keeps it to one question: how much is left for today? You enter the money you have, your next payday, upcoming bills, savings transfers and a buffer you don't want to touch. What remains is spread over every day until payday. Money you don't use on a day carries over; overspending lowers the days ahead.

The number is an estimate from your entries, not a check of your bank balance. There's no bank connection, bills count as paid only when you mark them, and a new pay period starts only when you confirm it. To plan every bill by paycheck, use the Paycheck Budget Planner.

An organizing tool – not financial, tax or legal advice.

The 15-second tour

See it move

What the video shows

The Today page on a laptop. Labels appear one by one: Today's Amount, Payday View, 24h / 72h / 7d Pause, No-Spend Days and Purchase Wishlist. A card works out today's figure: daily share $82.14, plus $100.02 unused earlier, minus $37.50 spent today, gives $144.66. Then the payday overview, the daily budget, the impulse pause and the no-spend days. It ends with: offline web app + Google Sheets, three editions, separate files, no syncing.

The video has no sound. · 15 s

Feature images

See it in action

Your amount for todayDaily share plus what earlier days left over, minus today's spending – never below zero.
Quick expense entryTap a preset or type an amount; undo keeps it in your history.
Preview a purchase firstSee what a purchase would do before you add it.
Give impulse purchases a pauseWait 24 hours, 72 hours or 7 days, then record it or skip it.
Plan until your next paydayYour money minus bills, savings and buffer, spread over each day.
Bills, savings and bufferUnpaid bills stay reserved until you mark them paid.
Spending by categoryOptional limits warn you – they never deduct anything.
Count your no-spend daysReviewed days without spending, with your current and longest streak.
Computer, tablet and phoneOpen the HTML file in your browser on Windows, Mac or Android.
Made for your regionUS, International and German editions with their own formats.
Private by designThe web app sends nothing; Google Sheets saves to your own Drive.
What you get and good to knowWhat's in the download, with four short answers.

Inside the app

Real screenshots, sample data.

TodayToday, this week, until payday and quick presets.
Payday overviewHow this pay period's budget is built.
This weekDaily share, spending and carry-over for each day.
Impulse pauseWaiting, ready to reconsider and skipped wishes.
Spending historyEvery expense, a 14-day chart and a CSV export.
International editionThe Today page in the International edition, in pounds.

What's included

Offline Web App
A single HTML file that opens in your browser, without an account or subscription
Google Sheets Templates
Blank and with sample data, for 3 regions
Regional Editions
US, International and German (DACH)
START HERE Guide
Setup instructions in English and German (PDF)

What it does

Today, this week, until payday

Today = your daily share + what you didn't use on earlier days − what you spent today
This week (never past payday) and everything until payday
Never shown below zero – an overspend is shown separately

Your money until payday

Money at the start + income counted − bills − savings − your buffer, spread over every day until payday
Bills stay reserved until you mark them paid, and the actual amount counts
Income counts once received – or earlier, if you confirm it as expected before payday
On payday you confirm a new period with the money you really have

Spending

Preview a purchase before you add it
Categories with optional limits – a warning, never a second deduction
Spending history with edit, void and restore

Pausing and no-spend days

Put a wish on pause for 24 hours, 72 hours or 7 days; it never changes your budget
Afterwards, record the purchase or skip it
Reviewed days without spending count as no-spend days, with current and longest streak and a goal

In the web app

Up to 12 presets, each expense shown for confirmation first, and one-tap undo that keeps the entry in your history
A live timer for each paused wish
A separate demo, a short guided setup, a backup file and a CSV export of your spending

Web app or Google Sheets?

Both versions are in your download – each with the daily share, carry-over, bills, buffer, impulse pause and no-spend days. They are separate files; pick the one that fits how you work.

Topic	Offline web app	Google Sheets
Where your budget lives	In your browser, on this device	In your own copy in Google Drive
Account	Not needed	A free Google account
Works offline	Yes, once the file is open in your browser	Usually needs an internet connection
Adding an expense	Tap a preset or type it, then confirm	One row per expense
Undo	Undo Last Expense in one tap	Set the row's status to Void
Impulse pause	A live timer for each wish	Pause state and hours left, based on your UTC offset
Backup & history	Backup file to export and restore; spending CSV	Google's version history

They don't sync.

How it works

Buy on Etsy
Check out on Etsy, then download your files in a web browser – not in the Etsy app.
Open START HERE
The guide shows which web app file to open and has your Google Sheets copy links and the link for iPhone and iPad.
Start planning
Open the web app in your browser, or make your own copy of the Google Sheets template, and add your first entry.

More about how it works

Is it right for you?

A good fit if you …

find a full budget hard to keep up with and want one number
want to know what's left until the next payday
want bills, savings and a buffer set aside before you see that number
like a pause before bigger or spontaneous purchases

Maybe not the right fit if you …

want to plan every bill, savings goal and extra debt payment around your paydays. Paycheck Budget Planner →
want a record of income and expenses by month and year. Budget Spreadsheet →
want to keep track of subscriptions, renewals and cancellation deadlines. Bills & Subscriptions Organizer →
need what this tool doesn't have: a check of your real bank balance, bank imports or syncing between the two versions.

Safe-to-Spend Budget Tracker

€6.99 for buyers in Germany, incl. 19% VATEtsy shows the final amount in your currency at checkout.

Buy on Etsy – €6.99

One-time purchase · instant download · offline web app + Google Sheets

What you need

Device	Web app	Google Sheets
Windows or Mac computer	Open the HTML file in Chrome, Edge, Firefox or Safari	In your browser
Android phone or tablet	Open the file from Downloads with Chrome	Google Sheets app or browser
iPhone & iPad	Open the web-app link from your START HERE guide in Safari and add it to your Home Screen	Google Sheets app or browser

Editions

Edition	Format
US	USD, 10/09/2026, week ends Saturday
International	UK, Ireland, Australia, New Zealand and Canada – GBP, EUR, AUD, NZD, CAD, CHF or SGD, 09/10/2026, week ends Sunday
DACH	Germany, Austria and Switzerland – EUR or CHF, German texts, 09.10.2026

Good to know

Digital product – nothing will be shipped.
Web app data stays in your browser; clearing browser data clears the planner too. Export a backup now and then.
Browser support for local HTML files varies, particularly on iPhone and iPad – the START HERE guide includes iPhone links.
This product is a manual budgeting and spending-awareness tool, not financial, investment, legal or medical advice. “Safe to spend” is an estimate based on the information you enter. It does not verify your actual bank balance or guarantee that a purchase is affordable or financially safe. Expected income, unpaid bills, missing transactions and inaccurate entries may affect the displayed amounts.
There is no bank connection, automatic transaction import or syncing between the web app and Google Sheets.
For personal use only. Sharing, redistributing or reselling the files is not allowed.

Questions about the Safe-to-Spend Budget Tracker

Does it connect to my bank?

No. There's no bank connection and no import. You enter your money, bills, income and expenses yourself.

Does "safe to spend" mean a purchase is affordable?

No. It's an estimate from your entries – it doesn't check your bank balance, and missing entries change it.

Why is today's amount higher than my daily share?

Money you didn't use on earlier days carries over to today. Spending more than your share lowers the days ahead.

Do I need an account?

The web app needs no account – you open the file in your browser. The Google Sheets version needs a free Google account. There's no stillmeasure. account and no subscription.

Where is my budget saved – and do the two versions sync?

The web app saves your budget in your browser on that device – export a backup now and then. The Google Sheets version is your own copy in Google Drive. The two don't sync.

Does it work on my iPhone or iPad?

iPhone & iPad: open the web-app link from your START HERE guide in Safari and add it to your Home Screen. A downloaded HTML file on its own only opens as a preview on iPhone and iPad.

Can I use it in Excel?

It isn't supported. The spreadsheet is built for Google Sheets.