What "safe to spend" means (and why it changes)

Safe to spend is the single number at the top of Vault. It answers the question you actually have: can I spend on this right now and still be okay?

How it is calculated

Vault starts with your monthly budget, subtracts what you have already spent, and sets aside money you have reserved for goals, bills, or upcoming needs. What remains, spread across the days left, is your safe-to-spend.

• Your monthly budget sets the ceiling.
• Spending you have logged reduces the number.
• Set-asides for goals and known bills are protected so you do not accidentally spend them.
• The remainder is paced across the rest of the period.

Why your number changed

• You logged a new expense, so today's amount went down.
• A new day began, which refreshes the number as your budget repaces.
• You changed a budget, or added or funded a goal that set money aside.
• A bill or known expense came due and was reserved.
• New transactions arrived from a linked bank, if you connected one through Plaid.