Can Monzo do pots that show you how long your “emergency pot” money would last based on your fixed outgoings / budget over the previous given month(s).
So for example say your fixed outgoings / budget is £1,000 per month or has been for the last 6 months (better yet use averaging so it smooths out up and down months) it will then show in your “emergency” pot how many months you can go for without receiving an income.
Eg in this case based on £1k monthly spend if there’s £6k in the emergency pot you have 6 months of income free living or money. Which it will show as an illustration figure in the pot / app.
Encourages saving and falls into the Monzo ethos of helping ppl save etc. Can also help financial anxiety over job moves / losses etc. Therefore more financial empowerment as you see the duration go up.