Quick answer
Spendable Cash Today is Pip's daily number for what is actually okay to use today after bills, savings cushion, and recent spending pressure are considered.
What the number is for
The number exists to answer a daily question: how much room do I have right now?
It is not trying to replace every financial report. It is trying to make the next spending decision less foggy.
Why it is different from a balance
A balance says money exists. Spendable Cash Today asks what that money still needs to do.
That difference matters because everyday spending decisions often happen quickly. Pip makes the useful number the default.
What happens when you want detail
You can ask Pip why the number changed, what recent spending did, whether a purchase fits today, or what balances look like.
The detail is there when needed. It does not have to become the whole product.