BillBuffer

BillBuffer is a mobile + web robo-advisor that only invests money it can prove you won’t need for upcoming bills. Users connect checking, credit cards, and billers; the app builds a rolling “safe-to-invest” balance based on recurring payments, paydays, subscriptions, and irregular but predictable expenses (insurance, quarterly taxes, annual renewals). When cash is tight, it automatically pauses contributions and can shift new deposits into a high-yield cash sleeve instead of the market. Portfolios are simple (ETF-based) and tuned to a user’s time horizon, but the core value is cash-flow-aware automation rather than fancy alpha. It also flags subscriptions and bill spikes that would force selling at a bad time. This is realistic: most people don’t fail investing because of asset allocation—they fail because of cash timing and surprise bills.