CalmCash

CalmCash is a mobile + web app that tells you, in plain language, how long you can survive financially if income drops tomorrow—and exactly what to cut first. You connect bank accounts and recurring bills, then set “shock scenarios” (job loss, hours cut, medical bill, rent increase). The app builds a prioritized cut list (subscriptions, negotiable bills, discretionary spend) and a weekly action plan: cancel/renegotiate scripts, due-date shifts, and a minimum-safe budget. It also tracks a realistic emergency fund target based on your actual fixed costs (not generic rules) and shows progress without guilt. This isn’t a feel-good budgeting toy; it’s a drill. You run a monthly “fire drill” check, get alerts when your runway shrinks, and export a one-page emergency plan you can follow when stressed.