CushionMap

CushionMap is a mobile + web app (traditional + AI) that turns messy personal finances into a clear “resilience score” and a step-by-step plan to survive shocks like layoffs, medical bills, or rent spikes. Users connect bank accounts, credit cards, and payroll; the app categorizes spending, detects recurring obligations, and estimates true fixed vs. flexible costs. It then runs stress tests (e.g., 30/60/90 days income loss) and shows how long you can last, what to cut first, and what actions move the needle fastest. The AI layer generates a realistic, personalized playbook: renegotiation scripts, bill-reduction targets, debt payoff order, and an emergency-fund schedule that fits cashflow. It also provides “risk alerts” when spending trends or upcoming bills threaten your buffer. This is not a budgeting toy; it’s a survival dashboard with actionable triage.