Savings: Account

Users are less likely to switch banks once they have a personalized, automated system tracking their financial security.

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'?" savings account

The user sees a weekly summary: "This week, you saved $22.40 just by spending smarter than usual." Users are less likely to switch banks once

Encourages higher deposit volumes by capturing "hidden" liquidity that users would otherwise spend. Move 30% to your 'Safety Net'

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 selects a target (e.g., "3 Months of Expenses").

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