BNPLPulse

BNPLPulse is a mobile + web app that consolidates all your buy-now-pay-later obligations into one clear timeline and cash-flow view. Users connect email and bank accounts to detect BNPL purchases, upcoming installments, late-fee risk, and overlapping payment dates. The app then simulates “what-if” scenarios (e.g., adding a new BNPL plan, delaying a purchase, or paying early) to show the real impact on next month’s budget. It also generates a simple “BNPL capacity” score based on income, fixed bills, and existing installment load, so users can quickly tell if another plan is realistically affordable. This is an AI-assisted app: AI is used mainly for receipt/email extraction, merchant matching, and categorizing installment schedules—not for vague financial advice. The goal is blunt clarity: fewer surprises, fewer fees, and fewer accidental over-commitments.