RaiseRation

RaiseRation is a mobile + web AI budgeting companion that automatically converts every pay raise into a realistic “upgrade plan” with guardrails. Connect your bank, payroll deposits, and recurring bills; the app detects income jumps and proposes a split: fixed-cost increases allowed, guilt-free fun money, and an automatic savings/investing bump. It flags stealth inflation (subscriptions, delivery, rideshare) and shows a simple “standard of living index” so you can see if your lifestyle is outpacing income. The core is not another spreadsheet—it’s a rules engine that enforces your own limits (e.g., rent can’t exceed 28% of take-home, dining out capped weekly) and nudges you before you overspend. Expect some users to hate the friction; that’s the point. It’s designed for people who keep earning more but never feel ahead.