Rent Reality Ledger

Rent Reality Ledger is a mobile + web app that tells you, in plain language, whether you can actually afford your current or future rent without wrecking your life. You plug in income, taxes, existing debts, subscriptions, commuting costs, and realistic living expenses. The app then runs harsh scenarios: job loss buffer, emergency fund needs, rent hikes, roommate leaving, or car breakdown. Instead of feel-good budgets, it shows red‑flag alerts like “You’re one missed paycheck from eviction” or “This apartment will trap you in credit card debt within 6 months.” It benchmarks you against conservative financial safety rules (e.g., 30% rent-to-income, 3–6 months expenses saved) and local cost-of-living data. AI helps surface patterns you’re ignoring, like lifestyle creep or hidden fixed costs. You get clear, unvarnished options: downsize, get a roommate, renegotiate, move, or increase income. No fluff, no fake optimism—just a cold, data-backed view of your housing reality so you can avoid being rent-poor and constantly stressed.