SpendMirror

SpendMirror is a mobile + web app (traditional + AI) that turns messy transactions into a clear “lifestyle creep” dashboard. Connect your bank via Plaid, then the app auto-labels recurring upgrades (subscriptions, delivery, rideshare, premium tiers) and compares your current month to your 3–12 month baseline. It highlights the few categories actually driving overspending, estimates what each habit costs annually, and suggests specific swaps (e.g., “2 fewer deliveries/week = $220/month”). The AI layer is used for merchant normalization, category correction, and plain-English explanations—not generic budgeting advice. Users get a weekly ‘creep report’ and one-click actions: cancel a subscription, set a soft cap, or create a “cool-off rule” for impulse categories. It’s not a full budgeting suite; it’s a focused tool for people who earn enough to spend mindlessly and want fast clarity.