BillBeforeBuy

BillBeforeBuy is a mobile + web AI-assisted credit decision tool that tells you the real cost of a purchase in plain English before you put it on a card. Users connect cards via open banking, then the app simulates outcomes: “If you buy this $420 item and keep paying your usual $110/month, you’ll be in debt 7 more months and pay ~$68 interest.” It also flags risky patterns (utilization spikes, teaser APR ending, missed-payment probability) and suggests one concrete alternative: smaller payment increase, different card, or delaying the purchase. The app focuses on micro-decisions, not generic budgeting. It includes a one-tap “Paydown Plan” that schedules extra payments around paydays and upcoming bills, plus alerts when a purchase would push utilization past a user-defined threshold. It’s realistic: it won’t magically ‘raise your score,’ it just helps you avoid expensive mistakes.