IncomeBuffer

IncomeBuffer is a mobile + web app that helps people protect their income by turning messy finances into a clear “runway” plan. It connects to your bank(s), categorizes fixed vs. flexible expenses, and calculates how many weeks you can survive if income drops. Then it builds an action plan: which bills to renegotiate, what subscriptions to cut, and how much to move into a dedicated buffer account each payday. It also includes a “job loss mode” checklist (benefits, unemployment steps, creditor scripts) and a simple income shock simulator (e.g., 20% pay cut, 2 months unemployed). This is not magic: it won’t replace insurance or guarantee savings. It’s a practical tool that makes income protection concrete, measurable, and behavior-driven, with reminders and progress tracking that actually stick.