Needs setup
Open Settings and review currency, eligible accounts, savings reserve and planning date. Make sure there is an eligible recorded balance in the currency being planned.
Needs review
Follow the reason shown on screen. In particular, recurring transactions and bills can overlap. Check Bills & subscriptions and Activity for the same expected expense before changing a setting just to force a number.
Unavailable or cannot load
Use Try again if the message is about connectivity. If the service is unavailable, use your recorded balances and commitments directly and contact support when needed.
Keep the estimate honest
Do not mark a bill paid simply to increase Safe to spend. Record what actually happened and review the estimate after updating the records.