BNPLGuard

BNPLGuard is a mobile + web app that aggregates your Buy Now Pay Later plans across providers (Affirm, Klarna, Afterpay, PayPal Pay in 4, etc.) into one calendar, one payoff view, and one risk score. It detects upcoming payment clusters, predicts cash-flow shortfalls, and suggests concrete actions: move a payment date (when possible), set aside sinking funds, or pause new BNPL usage for a period. The app also flags “phantom affordability” by showing your true monthly obligations including BNPL, subscriptions, and minimum card payments. It’s brutally practical: no lending, no rewards gimmicks—just visibility and guardrails. Monetization is subscription-based with optional add-ons like paycheck-based budgeting and shared household views. This is an AI + traditional app: AI is used for transaction classification, provider detection, and personalized risk alerts, but the core value is clean aggregation and reminders.