Account: Savings

Users can toggle an "Extra Income" sensor. When a deposit 20% larger than a typical paycheck hits (like a bonus, tax refund, or Venmo reimbursement), the app prompts: "You just received a windfall! Move 30% to your 'Safety Net'?"

Once the "Safety Net" is full, the app suggests opening a higher-yield Investment Bucket for any overflow. Business Value savings account

The app scans the last 90 days of transactions to determine the "Burn Rate." Users can toggle an "Extra Income" sensor

Users are less likely to switch banks once they have a personalized, automated system tracking their financial security. Business Value The app scans the last 90

Unlike standard round-ups that only hit whole dollars, this feature analyzes monthly spending patterns. If you spend less than your 6-month average on a Tuesday, the app "skims" the difference (e.g., $4.15) into savings automatically.

Instead of a simple bar chart, the app uses a "Days of Freedom" metric. It calculates your average daily burn rate and tells you exactly how many days you could survive on your current balance if your income stopped tomorrow. User Experience (UX) Flow

The user sees a weekly summary: "This week, you saved $22.40 just by spending smarter than usual."