BillPulse

BillPulse is a mobile + web FinTech app that detects “bill creep” across subscriptions, utilities, insurance, and recurring services, then helps you fix it fast. It connects to your bank via Plaid, identifies recurring merchants, and flags price jumps, duplicate charges, and silent plan changes. Instead of generic alerts, it shows the exact delta, when it started, and what to do next (cancel, downgrade, switch, or dispute). For actions, it generates ready-to-send emails/chat scripts and tracks outcomes so users don’t lose momentum. It’s brutally practical: most people don’t need another budgeting app; they need fewer recurring leaks. Monetization is subscription-based with optional affiliate revenue from switching offers, but the core value is savings transparency and follow-through. Expect messy merchant names and imperfect categorization—MVP should focus on accuracy for the top recurring categories and clear user confirmation flows.