RunwayGuard

RunwayGuard is a mobile + web AI app that gives people a brutally clear view of how long their money will last under real-life conditions. It connects to your bank accounts and credit cards, auto-categorizes spending, and builds a “runway” forecast that includes irregular bills, subscriptions, minimum debt payments, and income volatility. Instead of generic budgeting advice, it runs stress tests: job loss, rent increase, medical bill, interest-rate hikes, or a missed paycheck. It then outputs a prioritized survival plan: what to cut first, which bills to renegotiate, and how much cash buffer you actually need. The app focuses on accuracy and honesty: it flags optimistic assumptions, highlights recurring leaks, and shows the earliest date you’d hit zero if nothing changes. It’s not a wealth app; it’s a financial stability dashboard.