3 min

How to read your Safe-to-Spend breakdown

After this guide, you'll be able to: Understand what makes up your Safe-to-Spend number and which items are reducing it.

Published 21 April 2026

1
Find the Safe-to-Spend widget on your dashboard
The Safe-to-Spend (STS) number is shown prominently on the main dashboard. It shows your available spending money right now, accounting for all your commitments.
2
Tap the STS number or "See breakdown"
Tapping the STS number or the breakdown link opens the STS detail drawer. This shows exactly what's being subtracted from your eligible balances to arrive at the final number.
3
Read the components
The breakdown shows three groups: Upcoming bills (bills due before the end of your horizon), Remaining budget commitments (how much budget you have left to spend this period, which reserves that money), and Planned goal contributions (amounts you've committed to saving).
Your eligible account balances are shown at the top, and each component is subtracted in sequence to reach your STS figure.
4
Use the breakdown to adjust your plans
If your STS is lower than expected, the breakdown shows which commitment is the biggest driver. You might decide to adjust a budget, shift a bill's due date, or reduce a goal contribution temporarily.
A negative STS is a warning, not a crisis. It means your current plans exceed your current balances — but you have time to adjust before money actually runs out.

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Find the Safe-to-Spend widget on your dashboard