The balance at the top of your home screen reflects settled deposits, pending transactions, and any other transfers in or out. You might not be able to spend that full amount depending on the time of day or when your deposit settles.
Your Spending Power reflects the amount of money you can access at any time of the day depending on these factors.
When the markets are open, your spending power is equal to 100% of your balance, excluding pending deposits, and deposits on hold.
When the markets are closed (find market hours here), you'll see the following notification in your Finch app.
When the markets are closed, your spending power is equal to 80% of your balance, excluding pending deposits, deposits on hold, and any transactions since the markets closed.
This is to allow for movements in the value of your portfolio while the market is closed. 💪