BillGuardia

BillGuardia monitors your recurring bills and autopays, then warns you before price hikes, duplicate subscriptions, or “silent” plan changes land. Users connect bank/credit accounts via open-banking, and the app builds a clean timeline of recurring merchants, expected amounts, and billing windows. When a charge deviates, it flags it early, explains what likely changed, and gives a step-by-step cancellation or downgrade path (including links, phone scripts, and required account details). It also tracks free trials, renewal dates, and partial refunds you may be eligible for. This is not a magical money-saver: many merchants make cancellation hard and banks don’t always label transactions consistently. The MVP focuses on accurate detection, clear alerts, and frictionless workflows—not negotiating bills for you. Mobile app + web dashboard. Combination traditional + AI (AI for transaction labeling and anomaly explanations).