Budget Shield

Stop guessing. Budget Shield shows you ONE number: how much you can spend right now without bouncing a bill before your next paycheck - and now it warns you days before a bill would bounce. Connect your accounts in 30 seconds. Done. WHY BUDGET SHIELD IS DIFFERENT - Bill Bounce Guard: projects your balance ahead and warns you days BEFORE a payment would bounce. It watches every recurring bill, flags one that looks unpaid instead of letting it slip by silently, and asks you to confirm when it can't tell - silence never counts as paid. Warnings start as a notification and escalate to a text if unresolved - on from the start for verified numbers, off anytime in Settings. - Safe to Spend: a single, honest answer to "can I spend this today?" - calculated from your real balance, real bills, and real paycheck timing. - Budget Coach: when categories go over, the app tells you exactly how many dollars per day to cut to recover by month-end. - Rescue Plan: if you're projected to go red, see the specific subscriptions you could cut (and what staying on each one will cost you). - Cash Flow Forecast: see when bills hit, when income lands, and where your runway runs out. - Personal & Business: tag accounts and bills to either side and see each cash flow on its own - business money stays out of your personal numbers. - Connect your accounts securely in seconds. Bank-grade security. WHO THIS IS FOR - Anyone living paycheck to paycheck who is tired of overdraft fees - People on a real budget who want it enforced honestly, not punitively - Anyone who has tried Mint, YNAB, Copilot, or PocketGuard and wants one number that just tells the truth WHAT IT DOESN'T DO - It doesn't shame you for what you've spent - It doesn't pretend you have money you don't - It doesn't sell your data - your bank info is end-to-end encrypted PRICING Free 7-day trial. Then a monthly or yearly subscription. Cancel anytime in Settings. Privacy Policy: https://www.healthyoneapp.com/privacy Terms of Use (EULA): https://www.healthyoneapp.com/terms