diff --git a/src/wallet/spend.cpp b/src/wallet/spend.cpp
index c7c41f5d0f1..1e0ac8f0428 100644
--- a/src/wallet/spend.cpp
+++ b/src/wallet/spend.cpp
@@ -223,7 +223,7 @@ void CoinsResult::Erase(const std::unordered_set<COutPoint, SaltedOutpointHasher
 
             // update cached amounts
             total_amount -= coin.txout.nValue;
-            if (coin.HasEffectiveValue()) total_effective_amount = *total_effective_amount - coin.GetEffectiveValue();
+            if (coin.HasEffectiveValue() && total_effective_amount.has_value()) total_effective_amount = *total_effective_amount - coin.GetEffectiveValue();
             return true;
         });
         vec.erase(remove_it, vec.end());
diff --git a/src/wallet/spend.h b/src/wallet/spend.h
index a22499f3cd6..5a1a879a281 100644
--- a/src/wallet/spend.h
+++ b/src/wallet/spend.h
@@ -59,13 +59,13 @@ struct CoinsResult {
     void Add(OutputType type, const COutput& out);
 
     CAmount GetTotalAmount() { return total_amount; }
-    std::optional<CAmount> GetEffectiveTotalAmount() {return total_effective_amount; }
+    std::optional<CAmount> GetEffectiveTotalAmount() { return total_effective_amount; }
 
 private:
     /** Sum of all available coins raw value */
     CAmount total_amount{0};
     /** Sum of all available coins effective value (each output value minus fees required to spend it) */
-    std::optional<CAmount> total_effective_amount{0};
+    std::optional<CAmount> total_effective_amount;
 };
 
 struct CoinFilterParams {