LayoffLedger

LayoffLedger is a mobile + web app (traditional + AI) that turns your real finances into a clear “survival runway” and an action plan for shocks like layoffs, medical bills, or income drops. Users connect accounts (or upload statements) to calculate essential burn rate, minimum debt payments, and true fixed obligations. The app then simulates realistic shock scenarios (job loss, 30% pay cut, rent increase) and shows how many weeks you can last, what to cut first, and which bills to renegotiate. It generates a prioritized checklist: call scripts for creditors, hardship program links, unemployment steps by state, and a weekly cash plan. AI helps classify transactions, detect hidden recurring charges, and draft negotiation messages, but the core value is accurate math and practical next actions. It’s not a budgeting toy; it’s a resilience playbook with numbers you can trust.