InflationLock

InflationLock is a mobile + web app that detects lifestyle inflation early and forces a simple, enforceable plan to keep it in check. It connects to your bank/credit cards, then tracks your “baseline lifestyle” (fixed bills + typical discretionary spend) and flags when your new normal is quietly ratcheting up—subscriptions, delivery, rideshares, shopping, and “small treats” that compound. The core is a rules engine: when income rises, the app automatically proposes a split (e.g., 60% savings/debt, 40% lifestyle) and sets category caps that adjust weekly. It also runs “friction prompts” at the moment of overspending (push notifications + lock-screen widgets) and offers one-tap swaps (pause subscriptions, set a 7-day cooldown, or move money to a separate account). It’s not a budgeting app clone; it’s a lifestyle inflation governor with clear guardrails and minimal setup.