GoalPulse

GoalPulse helps you set savings goals that don’t collapse the moment life gets messy. Instead of fixed monthly targets, it builds a “safe-to-save” plan from your actual income timing, bills, and upcoming irregular expenses (rent, insurance, subscriptions, annual fees). You connect your bank, categorize essentials vs. discretionary, and create goals (emergency fund, vacation, debt buffer). Each week, GoalPulse recalculates a realistic contribution amount and suggests a transfer schedule. If your balance dips or spending spikes, it automatically throttles contributions and shows what date your goal will slip to—no guilt, just math. It also includes a simple “what-if” mode: change a bill, cancel a subscription, or add side income and instantly see the impact on goal dates. This is a mobile + web app, traditional app with light AI for categorization and forecasting.