BillShield

BillShield is a mobile + web app (traditional app with light AI) that prevents missed payments and late fees by turning your debt obligations into a single, verified calendar and cash-flow plan. Users connect accounts (credit cards, loans, BNPL) and their checking account, then BillShield forecasts whether upcoming minimums will clear based on real balances and scheduled income. If a shortfall is likely, it suggests specific actions: move a due date (when possible), split a payment, pay a smaller amount earlier, or temporarily pause discretionary spending categories. The app focuses on “minimums first” stability rather than aggressive payoff fantasies. It also tracks fee/interest leakage and shows the real cost of being late in dollars, not shame. The goal is simple: fewer late payments, fewer penalty APR triggers, and less chaos—without pretending it will magically erase debt.