Why are my reported earnings different from what's available now?

Your available amount is a portion of what you've earned, set aside to cover taxes and deductions.

Your reported earnings are your gross pay — the full amount before anything comes out. Your available amount is up to 70% of that, and that 70% cap is what accounts for taxes, deductions, and other withholdings. It leaves room so your transfer doesn't dip into money that's owed elsewhere.

That's why the available number is lower than your reported earnings.