SpendGuard

SpendGuard is a mobile + web app that detects “lifestyle creep” and quantifies how each new recurring expense delays your FIRE date. Connect your bank/credit accounts, set a target FI number and timeline, and the app monitors category drift (dining, subscriptions, rideshare, shopping) versus your baseline. When spending rises, it shows the real cost in months/years of extra work and suggests specific cuts with the biggest timeline impact. It also runs scenario tests (job loss, rent increase, market drawdown) so users see how fragile or resilient their plan is. This is a combination traditional + AI app: traditional budgeting and forecasting, plus AI-generated explanations and negotiation scripts (e.g., cancel/renegotiate bills) tailored to the user’s transactions. It’s not a generic budget tool—it’s a “FIRE date protection” system focused on behavior drift.