ADHD Money System

Two checking accounts, one float, and a weekly check-in that is two numbers typed in from your banking app.

Account A pays every bill on autopay and nothing else. Account B is yours to spend without arithmetic. Every payday one automatic transfer moves a fixed amount into A, slightly more than the bills need, so a buffer grows on its own. That buffer is the float, and it is the headline number here.

WHAT'S INSIDE

Dashboard - the float, and the four numbers that only go up

Start Here - the front door, and how the file works

Bills & Setup - the bills, once, and what to move each payday

Check-In - two balances a week, where you actually work

ADHD Tax - the toll, named and counted

THE PART NOBODY ELSE BUILDS

Your only recurring job is typing two balances. No transaction logging, no categories to keep up with, no allowance draining down a bar chart. Most money advice trades money for executive function; this asks for neither. When the float reaches one month of bills you are paying this month's bills with last month's money, and a late paycheck stops being an emergency. The ADHD Tax tab exists because a late fee or a forgotten subscription is a real cost worth seeing, and naming it is how it stops being a private failure.

WHAT YOU GET

Excel workbook (.xlsx)

Google Sheets template - one click to copy

Setup instructions (PDF)

Free updates for life

BEFORE YOU BUY

Works in Microsoft Excel 2016 and later, and in Google Sheets. It does not connect to a bank, move money, or set up the autopay for you; you make the two accounts and the transfer, and the sheet does the rest. It is a planner, not a treatment or anything clinical. Digital download, all sales final.