CashGuard

CashGuard is a mobile + web app that predicts your cash balance day-by-day so you don’t get blindsided by overdrafts, late fees, or surprise auto-payments. It connects to your bank via Plaid, detects recurring bills and income, and builds a simple “safe-to-spend” number that updates as transactions post. The AI layer flags risky days ahead of time (e.g., rent + subscription cluster) and suggests concrete actions: move a bill date, pause a subscription, transfer a small buffer, or set a minimum balance rule. It’s not a budgeting app with endless categories; it’s a cash-flow radar for people living paycheck-to-paycheck or managing multiple accounts. The app also tracks fee history and shows which merchants and timing patterns cause the most damage, so users can fix the root cause instead of guessing.