diff --git a/apps/frontend/src/providers/creator-withdraw.ts b/apps/frontend/src/providers/creator-withdraw.ts
index 7e544ac3d8..fc9ce21381 100644
--- a/apps/frontend/src/providers/creator-withdraw.ts
+++ b/apps/frontend/src/providers/creator-withdraw.ts
@@ -408,11 +408,11 @@ export function createWithdrawContext(
 	const stages = computed<WithdrawStage[]>(() => {
 		const dynamicStages: WithdrawStage[] = []
 
-		const usedLimit = balance?.withdrawn_ytd ?? 0
-		const available = balance?.available ?? 0
+		const usedLimit = balanceRef.value?.withdrawn_ytd ?? 0
+		const available = balanceRef.value?.available ?? 0
 
 		const needsTaxForm =
-			balance?.form_completion_status !== 'complete' &&
+			balanceRef.value?.form_completion_status !== 'complete' &&
 			usedLimit + available >= getTaxThreshold(taxComplianceThresholds)
 
 		const threshold = getTaxThreshold(taxComplianceThresholds)
@@ -420,7 +420,7 @@ export function createWithdrawContext(
 			usedLimit,
 			available,
 			total: usedLimit + available,
-			status: balance?.form_completion_status,
+			status: balanceRef.value?.form_completion_status,
 			needsTaxForm,
 			taxThreshold: threshold,
 			taxComplianceFilled: `${((usedLimit / threshold) * 100).toFixed(1)}%`,
@@ -448,14 +448,14 @@ export function createWithdrawContext(
 	})
 
 	const maxWithdrawAmount = computed(() => {
-		const availableBalance = balance?.available ?? 0
-		const formCompleted = balance?.form_completion_status === 'complete'
+		const availableBalance = balanceRef.value?.available ?? 0
+		const formCompleted = balanceRef.value?.form_completion_status === 'complete'
 
 		if (formCompleted) {
 			return Math.max(0, availableBalance)
 		}
 
-		const usedLimit = balance?.withdrawn_ytd ?? 0
+		const usedLimit = balanceRef.value?.withdrawn_ytd ?? 0
 		const remainingLimit = Math.max(0, getTaxThresholdActual(taxComplianceThresholds) - usedLimit)
 		return Math.max(0, Math.min(remainingLimit, availableBalance))
 	})