Disposable income
The amount available each month once all fixed costs and automated savings transfers have been subtracted from net income. It covers variable costs and leisure. A practical figure you can check day-to-day to know how much you can spend without knocking the monthly budget off balance.
Why It Matters
This is the number people actually look for when they open their banking app. Ankora computes it in real time and displays it separately from the raw account balance — because the balance lies (it includes what is already "earmarked").
Concrete Example
Income 2 500 €, fixed costs 1 000 €, auto-savings 400 € → disposable income 1 100 €/month for groceries, leisure, everyday unexpected items.