Last Chance Ledger

Last Chance Ledger is a mobile + web app built for people who are dangerously close to running out of money and need cold, hard numbers—not comforting charts. You connect your bank and credit accounts, enter your non-negotiable expenses (rent, food, meds, debt minimums), and the app calculates exactly how many days, weeks, or months you can survive before you hit zero or start defaulting. It doesn’t pretend you’ll magically “manifest” income; it assumes the worst by default, then lets you toggle realistic scenarios: job loss, reduced hours, new side gig, or sudden bills. The interface is intentionally stark: green if you’re safe, yellow if you’re at risk, red if you’re in the danger zone. It pushes you to make ugly decisions early—what to cut, what bills to delay, what minimums you absolutely cannot miss—so you don’t end up homeless or in collections because you were in denial. This is not a feel-good budgeting tool; it’s a survival calculator for when you’ve already screwed up or life has screwed you.