Savings Account 100%

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

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

The app scans the last 90 days of transactions to determine the "Burn Rate." The user selects a target (e

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. If you spend less than your 6-month average

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."

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