Your Spendable is our suggested amount you have available to spend.
This might be the same as your Total Balance, unless you've started a Goal in the KOHO app. If you have, kudos! What happens then is that the contribution you've set up towards your Savings Goal moves automatically from your Spendable into the Savings tab of the app.
Spendable = Total Balance - Goal(s)
Once you've reached your Goal, or you just need the money, you can easily move those funds back to your Spendable account. Simply mark your Goal as 'complete' to see the funds part of your Spendable.
Pro-tip: If you're viewing your Spendable balance on KOHO Web, it may not include your Cover, Vault, RoundUp or Goal balance. To get a complete view of your account balance, please use your KOHO app 👍