CreepBudget

CreepBudget is a mobile + web app (traditional app with AI features) that detects lifestyle inflation by comparing your spending to your income changes over time. It connects to your bank/credit accounts, tracks recurring upgrades (subscriptions, dining, rideshare, shopping), and flags “quiet raises” in baseline monthly spend that don’t show up as one-off splurges. The app builds a personal “floor” (minimum sustainable monthly spend) and shows how far you’ve drifted from it since your last raise, job change, or big life event. When creep is detected, it proposes realistic rollbacks (e.g., cancel/cheaper plan, cap categories, swap habits) and estimates how much future savings you’re sacrificing. It’s blunt: it tells you what your lifestyle is costing you in years to goals like emergency fund, debt payoff, or home down payment.