Savings Account Access

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'?"

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 savings account

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

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 Safety Net" is an active automation layer

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