BillBuffer

BillBuffer is a mobile + web app that creates a “safe-to-spend” balance by forecasting upcoming bills and income across all linked accounts. Users connect their bank accounts, choose which recurring bills matter (rent, utilities, subscriptions, credit cards), and BillBuffer automatically detects and confirms bill patterns. It then sets aside a virtual buffer amount and shows a simple daily spending limit that updates in real time as transactions clear. If a shortfall is predicted, the app alerts early with specific options: move money between accounts, delay a bill (where possible), or cut discretionary categories. This is not a bank replacement; it’s a layer on top of existing banks that reduces overdraft fees and late payments. It’s a traditional app with light AI for bill detection, categorization, and cashflow prediction.