You get around $888.37 a month... technically.
On hand spending depends on your class.
4/c get $150
3/c get $250
2/c get $350
1/c get $450
The difference between the amount you get for immediate spending is the amount placed into your white card account. This account is used for uniform items and other things like school supplies and books. Starting 4/c year, this is usually about 3k in debt, but after about April (if you keep adding on more uniforms and supplies and stuff) it eventually goes positive. After it reaches around 800 dollars in the positive, whatever is over around 600 dollars a month is placed in the Guardian account. This is a small savings account controlled by the "money ninja" at the academy. You can access this money whenever you want, you just need to do so by finding the money ninja and getting it transferred to your account of choice.
Oh, I'm serious about that, there is really a money ninja that you have to find.