Would probably need an api for that, availableBalance effectiveBalance in getAccount assets list. CFB - any comments?
You need to use Account.getUnconfirmedAssetBalance(). Of course I just noticed it is not returned in the http API, sorry. I will add it.
The whole http API needs some critical review and improvement.
critical review and improvement: can you comment on what that means?
Well, just things like the above, I never realized the unconfirmed asset balance was not available in the API. There are also calls that are not efficient, requiring multiple requests first to get some object ids, then to get the objects themselves one by one. Then there are calls that are partially redundant or duplicate, like getBalance, getAccount, getAccountPublicKey. getAccount already returns balance and public key, why do you need the other two? Fine, getting the assets for an account is more expensive and should not be done if not needed, but for getting the balance and public key the work is the same. Looks like those were added one by one on as-needed basis.