BareMinimum

BareMinimum is a mobile + web app that calculates your true “keep-the-lights-on” monthly cost and turns it into a practical emergency plan. It connects to your bank via Plaid, categorizes spending, and automatically identifies which bills are non-negotiable vs. optional. You get a single metric: your Survival Burn (bare-minimum monthly spend) and a Runway estimate based on current cash. The app then generates a step-by-step “48-hour cut list” (subscriptions to cancel, bills to renegotiate, payment plans to request) with templates and one-tap reminders. It also tracks emergency fund progress and warns you when lifestyle creep is silently raising your survival number. This is not a feel-good budgeting app; it’s a reality check that helps you act fast when income drops. Monetization: $6–$10/month or $49/year, plus optional partner offers (insurance, high-yield savings) without selling user data.