Personal financial assistance for busy households
Governed financial assistance with delegated execution
Govern the money drifting through your digital life.
Gravity helps busy households catch rising recurring costs early, predict which services are slipping out of
policy or value, surface the better option, and hand off the cancellation, switching, pause, or negotiation
work whenever possible.
Start with subscriptions. Expand into personal financial assistance that keeps working.
Why this wedge matters
Recurring payments are now part of modern life, not an edge case.
Subscriptions, software, insurance, utilities, warranties, and family services now default to autopay.
People do not want to manage every renewal manually. They need a control layer.
The urgent problem is blind drift, not one annual surprise.
Prices rise, plans renew, trials convert, and usage changes while the user has no practical way to decide
what should renew next month versus pause, downgrade, or switch.
Most tools surface spend and leave the cleanup to the user.
Gravity is built to catch silent monthly drift early, predict which charges need intervention, and handle
the follow-through inside explicit user rules whenever the user wants help.
Early Access
Join the Gravity early access program
Gravity is in early access. We're onboarding a small group of testers who want to take
control of their household's recurring costs. Fill out a short survey and we'll send you
setup instructions with a free 7-day trial — no credit card, no commitment.
1
Fill out the early access survey
2
We'll send you install instructions and a trial key
3
Set up Gravity on your Mac or PC and pair your phone
Modern digital life turns financial control into ongoing account work
Recurring spend is scattered across cards, inboxes, family accounts, and vendor dashboards, so people cannot
continuously decide what should keep renewing. The real problem is not subscriptions themselves. It is the
endless stream of small financial decisions across services, accounts, and renewal windows with no simple way
to judge the next one in time and no bandwidth to enforce the decision manually.
Scattered visibility
Charges live across cards, inboxes, merchant portals, and shared household accounts that rarely line up cleanly.
Blind monthly drift
Prices rise, trials convert, and usage falls while the next billing cycle keeps moving closer without an active decision.
Manual follow-through
Even when users know a renewal is wrong, they still have to remember the window, log in, compare options, and take action.
Recurring spend control is the wedge, not the whole category
Gravity starts with recurring spend because it is frequent, unavoidable, and easy to prove. The larger job is
governed personal financial assistance across the user's digital life: know what changed, decide what to do,
and help execute before money drifts out by default.
- Recurring payments are unavoidable, so trust can be earned on repeated decisions users already face
- Urgency comes from blind monthly drift and lack of timing control, not only from annual renewal shocks
- Busy professionals, dual-income households, and time-starved budgeters are underserved by tools that stop at alerts
- Subscriptions are the first visible capability, not the whole company
- Gravity wins by predicting which charges need intervention and doing the work when rules allow
User-owned rules for outcome-based AI
Delegated execution, governed by you
Gravity needs enough context to make better recurring-spend decisions, but not a blank check. The model is
explicit permission, narrow scopes, and durable records of what happened so trust can grow one outcome at a time.
Ownership
The user stays at the center instead of becoming another source of platform exhaust.
Rules
User-set thresholds and approval preferences determine what Gravity can pause, switch, cancel, negotiate, or escalate.
Auditability
Every recommendation, override, and action is recorded so trust can grow renewal by renewal.
| Physics |
In your Gravity universe |
| Mass |
You — the center everything orbits |
| Gravity |
The pull that brings scattered value home to you |
| Orbits |
Accounts, subscriptions, payment methods, policies, merchants, bills, documents, activity |
| Spacetime |
Your data environment + history, governed by you |
| Trajectories |
Life events and value opportunities as they evolve |
| Energy |
AI that turns scattered recurring charges into better renewal decisions and delegated follow-through |
How It Works
Gravity starts with one recurring-spend workflow, proves value before the next charge lands, and deepens only
when the user wants more delegated execution.
1 · Monitor
Map the service, renewal date, expected next charge, and the account context that matters for the decision.
2 · Predict
Use usage, price changes, alternatives, and user preferences to predict whether the next charge still makes sense.
3 · Decide
Recommend keep, pause, downgrade, switch, negotiate, or cancel with evidence instead of another generic alert.
4 · Act
Carry out the action directly when pre-authorized, or bring the user a clear approval request when they want to stay in the loop.
Behavioral prediction, not just better alerts
The moat is not generic AI or a prettier dashboard. It is a system that learns which recurring charges are
becoming low-value, when a user is likely to want intervention, and which action tends to create the best outcome.
Behavioral signals
Use usage patterns, price movement, timing, and household behavior to predict which charges are drifting toward waste before the user notices.
Follow-through
Go beyond visibility by carrying out the cancellation, switching, pause, or negotiation work whenever rules allow.
Control policies
Learn what each user always keeps, seasonally pauses, downgrades under budget pressure, or wants reviewed only when a threshold is crossed.
Outcome history
Earn trust by producing visible wins: stopped renewals, cheaper plans, negotiated savings, and well-timed restores.
Underrepresented users
Build for people who are not financial hobbyists and mainly want an outcome-based AI experience that protects time and money.
Trust compounding
Each good decision earns the right to manage more of the personal-finance stack without pushing users into blind automation.
Your Data, Your Terms
Gravity needs enough context to govern payments and approvals, but not a blank check. The product is built
around explicit permission, narrow scopes, revocable access, and durable records of money-moving actions.
User-owned the user stays at the center
Least privilege minimal access by default
Audit trails who did what and when
Portability delete, export, and revoke anytime
Economic upside savings and control flow back to the user
Trust has to be earned action by action
The trust model is simple: start narrow, show value, keep permissions explicit, and only deepen execution
authority after the user sees why it is worth it.
Start with recurring spend, expand with trust
Recurring spend first. Personal financial assistance over time.
Gravity does not need to win every consumer-finance workflow on day one. It starts where recurring costs are
frequent, painful, and easy to understand, then expands into a broader personal financial assistance layer
only after users see real outcomes.
Recurring subscriptions first
Streaming bundles, software, memberships, device plans, and family services where waste hides in plain sight and quick wins are easy to prove.
Bills and service accounts next
Insurance, internet, phone, warranties, and service accounts where a better option or a missed renewal window gets expensive quickly.
Cross-account decision layer later
Once one workflow proves trust and control, the same decision and execution loop can expand into broader personal financial assistance across accounts and services.
How the wedge compounds
1 · monitor map renewals, prices, account context, and user rules
2 · predict judge whether the next charge still makes sense and whether action is needed
3 · act handle the pause, switch, cancellation, or negotiation when the user wants help
4 · expand use earned trust to widen into adjacent personal-finance decisions
The important distinction is that Gravity is not another subscription manager. It is trying to own the
decision and execution layer for recurring financial work.
Sized bottom-up from the wedge, not the vision
A market people already overpay into every month
The average American spends about $219 per month across 8.2 subscriptions but estimates only $86 — a 2.5×
perception gap between what people think they pay and what actually leaves their accounts. That gap is the
market: recurring spend that keeps renewing because nobody is watching it in time.
~$20B addressable market
Roughly 110M US subscription-holding households plus English-speaking markets, at $12–15 per month for
recurring-spend control — sized bottom-up from the wedge, not borrowed from the broader AI software category.
~$4B serviceable market
20–25M US high-complexity households: busy professionals 30–55 with 12+ subscriptions who already try to
track spend manually and have validated willingness to pay.
$8–10M ARR obtainable (Year 3)
About 50K paying households at a $13–15 blended monthly price across individual and family plans —
roughly 0.2% of the serviceable market.
Why the category is proven
Truebill reached roughly $100M in annualized revenue and a $1.275B acquisition (now Rocket Money) on
visibility and cancellation alone. Gravity's wedge starts where those tools stop: predictive decisions and
delegated execution under user-owned rules. The broader AI-assistance category is the expansion story, not
the wedge math.
Business Model
Low-friction AI with aligned economics
Most AI products ask users to trust automation before they see proof. Gravity aims to reverse that: prove
value on one recurring-spend workflow first, then earn the right to deeper personal financial assistance.
The core product should be easy to adopt and inexpensive to try. Over time, Gravity can combine recurring-spend
visibility, predictive decisioning, and premium follow-through without forcing a giant setup burden up front.
Core control layer
Start with rules, visibility, and low-friction workflows that improve recurring-spend decisions.
Premium follow-through
Pay for deeper execution, vendor handling, and a more hands-off experience once trust is established.
Aligned pricing paths
Explore subscriptions, premium execution, or performance-aligned pathways only after the product proves measurable control and savings.
This creates a clearer wedge than generic personal finance software: prove recurring-spend control first, then
expand into a new category of governed personal financial assistance.
Where Gravity Fits
Gravity is not trying to be another budgeting app, generic AI assistant, or passive subscription dashboard. It
overlaps with parts of those categories while aiming at a different job: help users govern financial account
outcomes across their digital life at the point where approval and execution actually happen.
Decision plus execution, not read-only insight
Gravity is built around explicit authority, routing, and action rather than after-the-fact monitoring.
A financial operator, not a category clone
The wedge starts with subscriptions, but the product expands into broader personal financial assistance
once users trust the system to reduce work and preserve a clear record of why.
What this model should prove
Gravity combines early visibility, behavioral prediction, and delegated execution so recurring-spend choices
can be handled with more control, less manual coordination, and clearer financial outcomes.
$1,500+ savings potential
For high-drift households, consistent intervention across subscriptions, service accounts, and renewals should compound into meaningful annual savings.
30-50% stronger retention target
Visible wins each billing cycle should retain users better than passive monitoring tools that only show the problem.
Outcome-based AI trust
Let users judge Gravity by visible wins, explicit approvals, and delegated cleanup instead of automation promises detached from real account outcomes.
Roadmap
Three phases, each with a tighter proof burden than the last: win one painful workflow, expand into adjacent
account obligations, then become the action layer for recurring financial decisions.
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Phase 1 — Recurring-spend proof
Recurring subscriptions and household accounts. Goal: prove that early renewal visibility plus delegated execution reduces leakage and manual cleanup.
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Phase 2 — Decision quality plus execution
Add stronger recommendation logic, negotiation flows, and vendor handling for insurance, utilities, and service accounts.
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Phase 3 — User-owned financial graph
Use earned trust to build the broader user-owned data and decision layer for recurring account management and adjacent financial workflows, where Gravity can automate more of the ongoing work without taking ownership away from the user.
