SpendBridge

SpendBridge is a mobile + web app (traditional + AI) that connects to a user’s bank/credit accounts and converts actual spending patterns into a retirement plan that doesn’t rely on fantasy budgets. It automatically classifies transactions, detects “sticky” lifestyle costs, and builds multiple retirement scenarios (retire at 62/65/67, downsize vs. stay put, healthcare cost bands). The app highlights the few levers that matter—savings rate, housing, car churn, and subscription creep—and shows the impact on a simple “runway meter” (years to retirement + probability band). It also generates a monthly action list: cancel/renegotiate items, target savings transfers, and one-time decisions (e.g., pay off car vs. invest). It’s not a full financial advisor; it’s a brutally practical planning cockpit grounded in real cashflow, not wishful inputs.