Weekly uses averages to help you understand what you can safely spend in a week but this is not the same as the actual cash in your account. For example, you have a lot more cash in your bank at payday or less right after your rent or mortgage is due but neither of these transactions would effect your Safe-to-Spend. But the Cash Over Time card gives you a view into whether the amount of cash you have is growing or shrinking over time. The amount of cash you have is calculated by taking your checking and savings balances and subtracting your credit card debt. You can tap on any date and see the transactions that were attributed to that date. On the Total at the very bottom you will see how your cash increased or decreased on that day.