I'm building Envelope, which is a checking account with built-in budgeting: https://envelopebudgeting.com It's like if Mint, YNAB, or Copilot was built into a bank account. The goal is to help people budget, spend, and save from one account, instead of using a separate budgeting tool, spreadsheet (yuck!), or cash envelope system. It does that by allowing users to get paid via direct deposit and then organizing their money into digital envelopes for bills, groceries, savings, sinking funds, etc. It's attached to a debit card so everything updates instantly and has individual or joint accounts.

I'm currently working on the paycheck prediction algorithm so Envelope can automatically determine how much needs to be set aside from user's paychecks so their bills are paid on time.