The three balance figures
On an account you may see up to three balance figures, and they are meant to answer different questions. Your initial balance is what you started with when you created the account. It does not move by itself; it is the baseline the ledger builds on.
Your current balance only counts money that has actually settled — transactions marked Completed. Pending items do not change current balance yet, which keeps that number aligned with what has clearly cleared in your own bookkeeping.
Your available balance is more forward-looking. It also includes anything still Pending, so it reflects commitments you have already recorded even before you mark them complete.
If you only glance at one number day to day, pick available when you care about commitments, and current when you care about what has fully settled in your own books. Initial balance is mostly a setup reference after the account has history.
How pending activity shows up
Recording a pending expense dips available right away, but current waits until you confirm the transaction. The same idea applies in reverse for pending income: available can look higher before current catches up.
Transfers and statuses work the same way — completed sides of the story move current balance; pending sides mainly affect available. If something sits in your Cartable waiting for Mark Complete, expect available to already reflect it while current still lags.
Subscriptions and debt installments that land as pending are a common reason available and current diverge. Clearing the Cartable usually narrows that gap. Refunds and edits can move the figures again, so re-check the account card after you change a status.
Multi-currency cards
If an account is not in your base currency, you may also see converted totals so you can compare accounts at a glance. Those conversions use the rates Rasa Money stores for the relevant dates; they are for reporting clarity, not a claim about what your bank would pay on a conversion today.
The currency on the account itself never changes just because a report converts it. Each account still holds money in one currency; conversion is a display and totals concern.
When you hold several currencies, compare like with like: native balances for account-level truth, converted figures for portfolio totals. A converted card that moves overnight often reflects rate movement, not a new transaction.
Tips and what to read next
If current and available disagree more than you expect, filter the Transactions list for that account and look for pending rows. Completing or adjusting those usually explains the gap.
For how accounts are created and what fields mean, see Filling out the account form. For how statuses behave across the ledger, see Understanding what each transaction status means.
If an account looks empty but you expected history, check inactive filters on the Accounts page. Deactivated accounts are hidden by default and can make it seem like balances disappeared when they are only out of the everyday list.