Your Spendable is our suggested amount you have available to spend. It shows what’s safe to spend without dipping into your savings. Sometimes your Spendable may go into a negative balance. Here's why that can happen and how to fix it.
How is Spendable calculated?
Spendable = Total balance - Total savings*
*Total savings is a combination of your Goals, RoundUps, and Vault, not yet cashed out
If you’ve put money into Goals, RoundUps, or your Vault, that amount gets subtracted from what’s safe to spend. It’s still your money—it’s just marked for saving.
Why can it go negative?
Your Spendable might drop below zero if you spend more than what’s left outside your savings. Here's a simple example:
You have:
$100 total in your account
$50 set aside in Goals
That leaves $50 Spendable
If you make a $55 purchase, KOHO will still process it by dipping into your Goals. You’ll now see:
Spendable: -$5
Goals: still shows $50 (but $5 of it has already been used)
That’s why your Spendable went negative. The app is just showing that you’ve borrowed a bit from your savings.
💡Want to set some money aside? Try moving extra cash into your Vault. With Vault, you can stash funds you don’t want to touch for day-to-day spending. It’s great for building a rainy day fund or just keeping a buffer.
💡 We also recommend getting Cover, which provides you with a cash advance to cover payments and avoid declined transactions.
How to Fix a Negative Spendable
To bring your Spendable back into the positive, you can do so in-app:
Delete or mark your Goal as complete
Withdraw from your Goal (without needing to complete it)
Add additional funds to your account. Learn more about this here.
💡 To avoid a negative Spendable, check out our Savings feature called Vault. More here!