If you've ever looked at your bank and seen two different balances, you're not imagining it. Most banks show an actual balance and an available balance. They sound interchangeable. They aren't.
Actual balance
Your actual (or "current") balance is the money settled in your account right now. It ignores anything still in flight — a card payment that hasn't cleared, a cheque that hasn't landed. It's a snapshot of what has finished processing.
Available balance
The available balance adjusts for pending transactions and holds. Swipe your card at a restaurant and the bank places a hold before the charge settles; your available balance drops immediately, your actual balance lags behind. Available is closer to reality — but it still only knows about money that has already started moving.
The number both balances miss
Here's the problem: neither balance knows about your future. Rent due in nine days, the streaming subscriptions renewing next week, the annual insurance premium — none of that is a pending transaction yet, so both balances happily show it as spendable.
That's the gap Dzing fills with Safe to Spend: it takes your actual money, reserves the future payments you've already committed to, and adds the income you're expecting. The result is the only balance that reflects your plans, not just your transaction history.
A quick example
Say your available balance reads $1,800. Comfortable. But $1,200 of it is rent due next week, and $150 is subscriptions renewing in the next few days. Your Safe to Spend is closer to $450. Same account, wildly different decision about whether to book that weekend trip.
Use all three
You don't have to pick one. Read your available balance to avoid bouncing a payment today, and read your Safe to Spend to avoid sabotaging next week. Dzing keeps both in view so you're never guessing which one applies.
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