Automated Emergency Fund "Health Score" & Dynamic Sizing

The Concept: Intelligent buffers that scale with your actual lifestyle costs.

How It Works: Rather than using a static arbitrary savings target, MoneyMatter continuously calculates your rolling 3-month average living expenses. It provides a real-time Emergency Fund Health Score (e.g., Current savings cover 4.2 months of essential expenses) and dynamically adjusts your target goal as your cost of living shifts.