What you'll see

Anywhere Finance Frank shows your cash position — the dashboard, an asset breakdown, Frank's chat answers — you'll see the figure split:

Accessible cash $12,000 (Personal $12,000) · Locked in super/SMSF $80,000 (Smith SMSF $80,000)

The first number is what you can actually spend today. The second is locked away until you reach preservation age (generally 60).

Why this matters

A common error in personal-finance tools is summing every "Cash" or "Savings" balance regardless of which entity owns it. If you have $12,000 in your personal offset and $80,000 in your SMSF cash account, the naïve sum is $92,000 — but you can only touch $12,000 of it without breaching superannuation rules.

Finance Frank treats cash inside any entity of type SMSF or Superannuation as locked, regardless of the asset's category. So a Westpac savings account inside your SMSF is locked, even though its category is "Cash".

How Frank phrases it

When you ask Frank questions like "how much cash do I have?" or "can I afford X?", he answers in the form:

You have $12,000 in personal cash, plus $80,000 locked in your SMSF (unavailable until preservation age).

He won't sum them. If you specifically ask for total cash across all entities, he'll quote both figures separately so you can decide which one matters for your question.

Editing this

You can't override the lock — it's based on the entity's type, set when you created the entity. If something is showing as locked that shouldn't be (e.g. you incorrectly created a non-SMSF as type "smsf"), update the entity's type from the Wealth page entity editor.