LayoffLifeboat

LayoffLifeboat is a mobile + web app (traditional app with light AI) that turns your emergency fund into a concrete “runway plan” tied to your actual layoff risk and fixed obligations. Users link accounts to auto-categorize essential vs. non-essential spend, then the app generates a survival budget (rent, utilities, insurance, minimum debt payments, groceries) and a weekly transfer schedule to hit a target runway (e.g., 3–9 months). It also includes a “shock simulator” that models income loss, severance, unemployment benefits, and realistic cutbacks to show how long you’d last. The AI component helps users identify negotiable bills (internet, phone, subscriptions) and drafts cancellation/negotiation scripts, but it doesn’t pretend to be a magic money coach. The product is blunt: if your numbers don’t work, it tells you and suggests specific cuts or a higher income goal.