SpendCalm

SpendCalm is a mobile + web app that reduces money-related fear by turning vague anxiety into clear, time-boxed decisions. Users connect their bank accounts (or import CSV) and the app highlights the exact next 7–14 days of “safe-to-spend” money after bills, minimum debt payments, and a realistic buffer. When anxiety spikes, a 60-second “Reality Check” flow answers: What’s due next? What happens if I do nothing? What’s the smallest safe action right now? It also includes an exposure ladder for financial avoidance (opening statements, calling providers, checking balances) with tiny steps and streaks. This is not therapy and it won’t magically fix overspending; it’s a practical tool to reduce uncertainty and avoidance. Monetization: freemium with a paid plan for multi-account rules, bill detection, and coaching templates.