CashCushion

CashCushion is a robo-advisor focused on one unsexy but costly problem: people run out of liquid cash and then derail their investing plan. The app connects to your bank, payroll, and brokerage to calculate a personalized “safe-to-invest” amount each week while maintaining an adaptive cash buffer for bills, irregular expenses, and short-term goals. It automatically sweeps excess cash into a low-cost portfolio (e.g., broad ETFs) and pulls back to cash when upcoming obligations rise. An AI layer categorizes transactions, detects recurring-but-variable bills, and flags anomalies (like a sudden rent increase) before they cause overdrafts or forced selling. This is not a full financial planner; it’s a narrow, automation-first product that reduces financial whiplash and keeps users consistently invested. Revenue comes from a small AUM fee or a fixed subscription, with optional premium features for couples and freelancers.