Fictional example: review a £100 bill payment, apply the change, then return to the updated plan. Synthetic Wallet data; not a demonstration of live bank delivery.
Available to Spend, before and after
£600 →to £600
The balance falls by £100 and the unpaid commitments fall by £100. Because this bill was already allowed for, it is not deducted from Available to Spend again.
About this fictional example
One existing, one-off bill, in a single fictional plan. The starting £1,000 is a plan estimate: a Wallet reading is unavailable. After applying the payment, the recorded plan and synthetic Wallet balance both show £900. The £400 total bills includes the paid bill; £300 is left to pay.
The cycle runs from 1 September to the start of 1 October 2026, with no expected income or planned outgoing spending in this example. The £28.57 daily guide is £600 divided by 21 remaining days, rounded. These figures are planning estimates.