BiasBudget

BiasBudget is a mobile + web AI app that connects to your bank/credit accounts and turns your transactions into a “behavior map” of why you spend, not just what you spend. It detects patterns tied to consumer-behavior triggers—payday effect, scarcity/limited-time promos, brand loyalty premiums, convenience fees, social spending, and mood/time-of-day spikes—then shows the real “bias tax” you’re paying each month. Instead of generic budgets, it offers small experiments: switch one subscription tier, delay one category by 24 hours, swap one merchant, or set a rule for late-night delivery. You get weekly bias reports, a running estimate of money saved by each experiment, and lightweight prompts when you’re likely to repeat a costly pattern. It’s realistic: it won’t stop you from spending, but it will make the hidden drivers measurable and easier to change.