SinkingFund

SinkingFund helps people save for big purchases (laptop, vacation, car down payment) using “sinking funds” that update automatically as your real spending changes. Connect your bank, pick a target item, and the app calculates a safe weekly transfer based on upcoming bills, irregular expenses, and your historical cash-flow volatility. When spending spikes, it throttles transfers; when you underspend, it accelerates—so you don’t bounce payments or abandon goals. It also offers a “Plan B” view: what happens if you delay the purchase, choose a cheaper option, or finance part of it. This is not another generic budgeting app; it’s narrowly focused on making big purchases achievable with minimal manual work. Monetization: freemium with 1-2 funds free, paid tier for multiple funds, advanced scenarios, and partner offers (optional).