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Your bank balance tells you where your money is. Free-to-Spend tells you what is left after the money you have set aside is accounted for.

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Read the two numbers together

  • Set aside in Expenses: money already earmarked for bills, Goals, and tracked credit card payments.
  • Free-to-Spend: the amount the app reports as available after those commitments.
Creating an Expense target describes your intention. Funding it sets money aside. The target and the balance are different numbers.
Saving funding settings does not increase an Expense balance. Money is set aside when funding actually happens.

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A simple example

If the app shows 2,352.68inavailablecash,2,352.68 in available cash, 1,940 set aside, and 412.68Free−to−Spend,the412.68 Free-to-Spend, the 1,940 already has a job. This example is illustrative; use the app’s calculated number for your own account.

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If the number changes unexpectedly

Review recent transactions, Expense transfers, credit card activity, and connection freshness. Check the selected personal or shared account before comparing two screens.

Expenses and Goals

Give each commitment a clear purpose.

Credit cards

See how card spending sets money aside.