PayGapGuard

PayGapGuard is a mobile + web AI app that predicts and stress-tests your income risk and gives you a concrete “runway plan” before things go sideways. Users connect payroll/bank accounts (or upload paystubs), set fixed obligations (rent, debt, childcare), and choose scenarios like layoff, reduced hours, illness, or client churn. The app calculates a realistic cash runway, identifies the exact week you’ll miss a bill, and generates prioritized actions: expense cuts, renegotiation scripts, side-income options matched to skills/time, and recommended coverage checks (short-term disability, unemployment eligibility, emergency fund targets). It also tracks early warning signals (declining deposits, rising utilization, overdraft risk) and nudges users to take steps while they still have income. This isn’t a budgeting toy; it’s a “what happens if I lose income” simulator with a playbook you can execute.