Savings Account -

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

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

The user selects a target (e.g., "3 Months of Expenses"). Once the "Safety Net" is full, the app

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'?" When a deposit 20% larger than a typical

Encourages higher deposit volumes by capturing "hidden" liquidity that users would otherwise spend.

Most savings accounts are static. "The Safety Net" is an active automation layer that uses Predictive Round-ups and Tax-Refund Logic to help users reach an emergency fund goal without feeling the "pinch" of manual transfers. Key Components

The app scans the last 90 days of transactions to determine the "Burn Rate."