PayPlanIQ

PayPlanIQ is a mobile + web app that helps shoppers choose the safest BNPL/installment option before they click “Pay.” It connects to your bank (read-only) and analyzes upcoming bills, paydays, subscriptions, and typical spending to forecast whether a 4-pay or longer plan will cause overdrafts or late fees. At checkout, you can paste the cart total (or use a browser extension later) and PayPlanIQ recommends a plan and due dates that fit your cashflow, plus a “do not buy” warning when the math is bad. It also tracks all BNPL obligations across providers in one calendar, sends reminders, and shows a simple “BNPL stress score.” This is an AI + traditional app: AI is used for cashflow forecasting and risk warnings, while the core is deterministic budgeting and schedule tracking.