The Spending Cap can be found in Settings > Estate area.
This spending cap allows you to set an upper limit on the amount of your discretionary spending. For example, without the spend limit set, MaxiFi might discover that your safe discretionary spending is $200,000. But you might want to indicate that you'll never want to spend over $125,000 so you can set the spend limit to $125,000.
If you do so, the unspent assets will end up in your estate in the regular assets column. Only set this if you do not plan to spend as much as MaxiFi calculates you can afford to spend.