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. 

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.

Make sense? Reach out to us in-app if you've got any lingering questions 🤗