RunwayGuard

RunwayGuard is a mobile + web app (traditional + AI) that helps people build real financial resilience by turning messy bank/credit data into a clear “months of runway” number and an action plan. Users connect accounts, categorize fixed vs. flexible expenses, and see how long they can survive under scenarios like job loss, pay cut, medical bill, or rent increase. The app then generates a prioritized “stability checklist” (cut list, bill renegotiation targets, emergency-fund milestones, and debt payoff order) with expected monthly impact. It also includes a lightweight “shock drill” feature: once a month, it simulates a surprise expense and asks the user to choose a response, training better habits without pretending budgeting is fun. It’s brutally practical: if you don’t have runway, it tells you plainly and shows the fastest realistic path to get it.