Product

Protected, committed, available

How Trove decides how much of your cash is genuinely free to spend.

A balance is one number doing four jobs. Some of it is an emergency fund, some is leaving this month for things already committed, some belongs to a goal, and what is left is the only part you can actually spend. Reading a single balance is how people spend an emergency fund without noticing.

Trove splits it.

Protected is your cover, plus what leaves the account within the month. Cover is sized from what you actually spend, not from a rule about somebody else.

Committed is what your goals need this month.

Available is what survives both. It is the only figure Trove will ever describe as free to spend.

Growing is what is invested. It is reported and deliberately kept out of the question, because selling an investment to cover a Tuesday is not spending.

What it protects is what exists

If you hold two months of a six-month target, Trove reports two months protected, not six. Reporting the target would make the available figure negative and useless on exactly the accounts that need it most.

When there is nothing spare

Trove says so plainly and does not dress it up. Having nothing spare is common, and it usually means somebody is doing the right things with their money. It is a state, not a verdict.