Read available-to-spend and the health gauge

What available-to-spend means

Available to spend is the planner’s current estimate for this month. It is not your live bank balance, and it is not a recommendation about how much you should spend.

The planner calculates it from four inputs: real available bank balances, expected income that has not yet arrived, fixed costs that are still unpaid, and remaining savings basket needs. In visible terms, the formula is bank balance total plus pending income minus unpaid bills minus remaining savings needs.

The amount is displayed in USD and rounded to two decimals. If the planner cannot produce part of the calculation, that missing piece stays unavailable rather than being treated as zero.

What the health gauge means

The health gauge shows a score from 0 to 100 with a zone label. The score is built from four weighted parts: savings rate, budget adherence, fixed expense ratio, and available buffer.

The zone labels follow these score ranges: Critical from 0 to 30, Needs Work from 31 to 50, Fair from 51 to 70, Good from 71 to 85, and Excellent from 86 to 100. If planner settings change the formula weights, the score still uses the same zones, but the weighted inputs can change the result.

The gauge also reflects your daily comfort amount and the number of days left in the month so you can compare today’s available amount with your chosen comfort target.

Read the Available Money tile

1. On the Planner page, find the tile labeled Available Money.
2. Read the large amount shown under Available This Month.
3. Review the four formula pills below it: Bank, Income, Bills, and Savings.
4. If you want more detail, select the tile to open the Income Breakdown dialog.

The tile shows the current month’s planning estimate in US dollars. Bank is the planner’s real available bank balance total, Income is expected income not yet matched this month, Bills is unpaid fixed costs remaining, and Savings is the remaining monthly need for active savings baskets.

Open the income breakdown

1. Select the Available Money tile.
2. In the Income Breakdown dialog, review the summary cards for Expected, Confirmed, Pending, and Sources.
3. Scroll through Expected Sources to see the payers the planner expects to receive.
4. Scroll through Confirmed This Month to see the credit transactions that already matched.
5. To leave the dialog, select Close income breakdown, click outside the dialog card, or use the dialog’s cancel behavior if your browser supports it.Close income breakdown

Expected is what the planner thinks should arrive this month. Confirmed is what it has already matched to actual credit transactions. Pending is the difference between those two values.

Read the health gauge

1. On the Planner page, find the Daily Comfort health gauge.
2. Read the score label and the colored gauge ring.
3. Look at the amount shown inside the arc for your current per-day available amount.
4. Check the Available This Month value under the arc and the days left in the month.

The health score is a weighted planner score, not a recommendation and not a bank snapshot. The score zones tell you where your current planner state falls on the 0 to 100 scale, with lower zones showing more pressure and higher zones showing more room in the current formula.

Change the daily comfort amount

1. Select the Daily Comfort tile to open its settings dialog.
2. Enter a new Daily Comfort Amount in the number field.
3. Select Save to update planner configuration through the config settings.Save
4. Wait for the dialog to close and for the planner summary to reload.

Saving writes the comfort amount as a planner formula setting, not as a separate saved money field. After the save succeeds, the planner reloads so the gauge and summary can update.

Understand the numbers and limits

• Available to spend is a planner estimate for the current month, not a live cash-out amount.
• The amount is shown in USD in this view.
• Income pending means expected income that has not yet been matched to a transaction this month.
• Fixed costs remaining means expected fixed expenses minus the ones already matched this month.
• Basket monthly needs means the remaining planner savings requirement for active baskets.

If a currency is missing or not available in a related view, the planner may still calculate a result using the data it has. Zero means the value is known and currently zero. Unavailable means the planner could not produce that value for the current view.

If the numbers look wrong

1. Refresh the Planner page.
2. Open the Income Breakdown dialog and confirm that the expected and confirmed income totals look reasonable.
3. Review fixed costs and savings baskets for recent changes.
4. Check whether simulation mode is turned on, since simulation can change the displayed values without saving them.
5. If the planner still looks off, review your transactions and planner setup for missing or uncategorized items.

The health gauge and available-to-spend amount are derived values. If one of the underlying parts is incomplete or missing, the planner may show a lower estimate, a zero value, or no value at all for that part.