LimitPilot

LimitPilot is a mobile + web AI app that stops people from accidentally overusing credit by translating messy credit-card data into a single, conservative “safe-to-spend” number. It connects to your cards via open-banking, reads statement cycles, pending transactions, utilization thresholds, and upcoming autopays, then forecasts your utilization on each card before the statement closes. You set rules like “keep under 9% on Card A” or “never exceed $X total utilization,” and it alerts you when a purchase will push you past your target. It also recommends simple actions (move a charge to a different card, pay $Y today, wait until after statement close) and tracks whether you actually followed through. This is not a credit-score vanity dashboard; it’s a guardrail tool for people who want to use credit without playing guessing games or getting surprised by utilization spikes.