01
Connected balances
Checking, savings, and card balances are read through connected account data when available.
How the number works
Spendable Cash Today is simple on purpose, not magic.
06
main inputs to the receiptSpendable Cash Today starts from connected balances and transactions, subtracts recurring obligations and monthly savings, accounts for pending committed spend, adjusts for recent spending pace, and caps the result against available cash. The result is decision support from the data Pip can see, not a promise that every future obligation is known.
The in-app receipt should read like: based on connected data refreshed at a specific time, with known limits shown beside the number.
Inputs
What the calculation can see.
02
Transactions
Recent deposits, purchases, refunds, transfers, fees, card payments, and recurring-looking items shape the current money picture.
03
Monthly savings
Your chosen monthly savings are held back before the daily number is shown.
04
Visible commitments
Likely recurring obligations and pending committed spend are treated as money already spoken for.
05
Recent spending pace
Current-month everyday spending can pull the number down or lift it when spending is lighter than pattern.
06
Cash reality
Available cash can cap a pattern-based number so the result does not float above visible cash constraints.
Common cases
How messy data is treated.
01
Credit cards
Pip separates purchases from card payments so settlement activity does not double count ordinary spending.
02
Transfers
Transfers between connected accounts are not treated like everyday spending when the data makes the transfer visible.
03
Refunds
Refunds reduce the spend pressure tied to the original spending pattern when they appear in connected data.
04
Pending transactions
Pending committed spend can be held against the number, but authorizations may change before they post.
05
Irregular bills
Annual, quarterly, cash, shared, or manually paid bills may be missed until enough connected evidence exists.
06
Missing accounts
Accounts that are not connected, excluded, stale, revoked, or shared outside Pip can make the number incomplete.
Receipt
What the app should show beside the number.
01
Data freshness
The app receipt states the latest available provider refresh or says when no sync time is available.
02
Accounts counted
The receipt shows how many active accounts are included in the current money snapshot.
03
Time horizon
The number is a today signal, not a month-end guarantee or a full future-bill forecast.
04
Known limits
Warnings such as missing data, low confidence, pending items, or stale connections are shown with the receipt.