The user selects a target (e.g., "3 Months of Expenses").
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 app scans the last 90 days of transactions to determine the "Burn Rate." savings account
The user sees a weekly summary: "This week, you saved $22.40 just by spending smarter than usual."
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'?" The user selects a target (e
Once the "Safety Net" is full, the app suggests opening a higher-yield Investment Bucket for any overflow. Business Value
Users are less likely to switch banks once they have a personalized, automated system tracking their financial security. User Experience (UX) Flow The app scans the
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.