SpendLens

SpendLens is a mobile + web app (traditional + AI) that turns your spending into clear tradeoffs, not vague guilt. Connect your bank via Plaid, then every transaction gets a “value check”: how often you buy this, what it replaces (savings, debt payoff, goals), and whether it aligns with your stated priorities (health, freedom, family, fun). The AI doesn’t “budget for you”; it asks short, specific questions and learns your rules (e.g., ‘coffee is fine if I hit protein + steps’ or ‘no impulse Amazon after 9pm’). You get weekly “conscious spending” summaries: top regret risks, subscriptions you forgot, and 1-2 high-leverage swaps. It also includes a friction feature: optional 30-minute hold on selected merchants/categories to stop impulse buys. This is not a miracle cure—if you hate looking at money, you’ll still avoid it—but it makes awareness fast and actionable.