An estimate from your records
Safe to spend uses recorded eligible balances and known commitments for a planning period, while keeping a savings reserve. It is an estimate, not guaranteed available money or a live bank balance.
Read the breakdown
Open the Safe to spend card on Home to see the detail and assumptions. Check the currency, counted accounts, commitments, reserve and planning date before using the number.
A shortfall or zero estimate
A shortfall means the recorded inputs do not cover the included commitments and reserve for that period. It is not a declined payment or a bank decision. Review the inputs and your own records.
No estimate yet
Use its setup or review action. The app can withhold the estimate when data is missing or needs review rather than show an unreliable number.