PlanBKit

PlanBKit is a mobile + web app (traditional + AI) that turns “I should save for emergencies” into a concrete, trackable plan. It connects to your bank via Plaid, analyzes income volatility and fixed obligations, and recommends a realistic emergency-fund target (not the generic 3–6 months). It then creates a weekly micro-transfer schedule that adapts when your cash flow changes, and it warns you before you’re likely to overdraft. The app also includes a “Shock Simulator” that estimates how long you’d last if you lost income or faced a big bill, and suggests specific actions (pause subscriptions, adjust transfers, negotiate bills) with step-by-step checklists. It’s blunt: if your plan is impossible, it tells you and offers a smaller, achievable first milestone. Monetization is subscription plus optional affiliate revenue from high-yield savings accounts.