Safe Spending is all about showing you what cash is available in your bank accounts that is safe to spend without breaking your budget. Safe Spending considers your current budget and future budgets to cover the next twelve months.
Your upcoming reserve is the amount of cash you need to reserve now to fund any monthly deficits over the next 12 months. If you accumulate your monthly surpluses and deficits over the next 12 months, starting from next month, then your upcoming reserve is the point where your accumulated surpluses and deficits is the lowest negative amount.
We show this amount under Committed Money so you have it at the ready to meet your commitments in the months your income isn't sufficient to do so.