diff --git a/test/jest/console-baseline-unit.json b/test/jest/console-baseline-unit.json
index ec507e61e253..e1eabf433fad 100644
--- a/test/jest/console-baseline-unit.json
+++ b/test/jest/console-baseline-unit.json
@@ -787,6 +787,10 @@
     "ui/pages/confirmations/hooks/transactions/dapp-swap-comparison/useDappSwapComparisonInfo.test.ts": {
       "MetaMask: Background connection not initialized": 2
     },
+    "ui/pages/confirmations/hooks/transactions/useTransactionConfirm.test.ts": {
+      "error: Money Account withdraw: amount encode": 3,
+      "error: Money Account withdraw: no committed": 1
+    },
     "ui/pages/confirmations/hooks/useConfirmationAlerts.test.ts": {
       "MetaMask: Background connection not initialized": 5,
       "React: Act warnings (component updates not wrapped)": 3,
diff --git a/ui/pages/confirmations/hooks/alerts/transactions/useInsufficientMoneyAccountBalanceAlert.test.ts b/ui/pages/confirmations/hooks/alerts/transactions/useInsufficientMoneyAccountBalanceAlert.test.ts
index 5c13f7a312b8..50f3b42d4996 100644
--- a/ui/pages/confirmations/hooks/alerts/transactions/useInsufficientMoneyAccountBalanceAlert.test.ts
+++ b/ui/pages/confirmations/hooks/alerts/transactions/useInsufficientMoneyAccountBalanceAlert.test.ts
@@ -11,6 +11,7 @@ import { getMockConfirmStateForTransaction } from '../../../../../../test/data/c
 import { genUnapprovedContractInteractionConfirmation } from '../../../../../../test/data/confirmations/contract-interaction';
 import { renderHookWithConfirmContextProvider } from '../../../../../../test/lib/confirmations/render-helpers';
 import { useTransactionPayPrimaryRequiredToken } from '../../pay/useTransactionPayData';
+import { useLastMoneyAccountWithdrawAmount } from '../../transactions/useLastMoneyAccountWithdrawAmount';
 import { AlertsName } from '../constants';
 import { RowAlertKey } from '../../../../../components/app/confirm/info/row/constants';
 import { Severity } from '../../../../../helpers/constants/design-system';
@@ -20,11 +21,15 @@ jest.mock('@metamask/react-data-query', () => ({
   useQuery: jest.fn(),
 }));
 jest.mock('../../pay/useTransactionPayData');
+jest.mock('../../transactions/useLastMoneyAccountWithdrawAmount');
 
 const useQueryMock = jest.mocked(useQuery);
 const usePrimaryRequiredTokenMock = jest.mocked(
   useTransactionPayPrimaryRequiredToken,
 );
+const useLastMoneyAccountWithdrawAmountMock = jest.mocked(
+  useLastMoneyAccountWithdrawAmount,
+);
 
 const EXPECTED_ALERT = {
   field: RowAlertKey.Amount,
@@ -92,6 +97,7 @@ describe('useInsufficientMoneyAccountBalanceAlert', () => {
         typeof useTransactionPayPrimaryRequiredToken
       >,
     );
+    useLastMoneyAccountWithdrawAmountMock.mockReturnValue(undefined);
   });
 
   it('returns alert when pending amount exceeds available balance', () => {
@@ -202,4 +208,36 @@ describe('useInsufficientMoneyAccountBalanceAlert', () => {
 
     expect(result.current).toStrictEqual([]);
   });
+
+  it('returns alert when the live typed amount exceeds the balance', () => {
+    // Mirrors mobile: the alert reacts to the current input, not just the
+    // debounced calldata commit.
+    useLastMoneyAccountWithdrawAmountMock.mockReturnValue('150');
+
+    const { result } = runHook();
+
+    expect(result.current).toEqual([EXPECTED_ALERT]);
+  });
+
+  it('prefers the live typed amount over the stale required token amount', () => {
+    // The user reduced the amount below the balance; the committed calldata
+    // still carries the previous over-balance amount until the debounce
+    // re-encodes. The alert must clear immediately.
+    useLastMoneyAccountWithdrawAmountMock.mockReturnValue('50');
+    usePrimaryRequiredTokenMock.mockReturnValue({
+      amountHuman: '150',
+    } as ReturnType<typeof useTransactionPayPrimaryRequiredToken>);
+
+    const { result } = runHook();
+
+    expect(result.current).toStrictEqual([]);
+  });
+
+  it('prefers pendingAmount over the live typed amount', () => {
+    useLastMoneyAccountWithdrawAmountMock.mockReturnValue('50');
+
+    const { result } = runHook({ pendingAmount: '150' });
+
+    expect(result.current).toEqual([EXPECTED_ALERT]);
+  });
 });
diff --git a/ui/pages/confirmations/hooks/alerts/transactions/useInsufficientMoneyAccountBalanceAlert.ts b/ui/pages/confirmations/hooks/alerts/transactions/useInsufficientMoneyAccountBalanceAlert.ts
index 69f71ed62ef9..9ee78118664a 100644
--- a/ui/pages/confirmations/hooks/alerts/transactions/useInsufficientMoneyAccountBalanceAlert.ts
+++ b/ui/pages/confirmations/hooks/alerts/transactions/useInsufficientMoneyAccountBalanceAlert.ts
@@ -17,6 +17,7 @@ import { hasTransactionType } from '../../../../../../shared/lib/transactions.ut
 import { MoneyAccountBalanceServiceQueryKeys } from '../../../../../../shared/lib/money/query-keys';
 import { useConfirmContext } from '../../../context/confirm';
 import { useTransactionPayPrimaryRequiredToken } from '../../pay/useTransactionPayData';
+import { useLastMoneyAccountWithdrawAmount } from '../../transactions/useLastMoneyAccountWithdrawAmount';
 import { AlertsName } from '../constants';
 
 const MUSD_UNIT = 10 ** MUSD_DECIMALS;
@@ -35,7 +36,11 @@ const NON_WITHDRAW_QUERY_KEY = 'money-account-withdraw-alert:disabled';
  * withdraw info messenger) so this can run in `useConfirmationAlerts` without
  * requiring a money-account route messenger.
  *
- * Mirrors mobile `useInsufficientMoneyAccountBalanceAlert`.
+ * Mirrors mobile `useInsufficientMoneyAccountBalanceAlert`, including its
+ * live-input responsiveness: mobile evaluates the pending typed amount, so
+ * the extension prefers the synchronously-recorded last withdraw amount over
+ * `primaryRequiredToken.amountHuman`, which lags typing by the debounced
+ * calldata encode.
  *
  * @param options
  * @param options.pendingAmount - Optional in-progress human mUSD amount.
@@ -48,6 +53,9 @@ export function useInsufficientMoneyAccountBalanceAlert({
   const t = useI18nContext();
   const { currentConfirmation } = useConfirmContext<TransactionMeta>();
   const primaryRequiredToken = useTransactionPayPrimaryRequiredToken();
+  const lastWithdrawAmount = useLastMoneyAccountWithdrawAmount(
+    currentConfirmation?.id ?? '',
+  );
 
   const isMoneyAccountWithdraw = hasTransactionType(currentConfirmation, [
     TransactionType.moneyAccountWithdraw,
@@ -71,7 +79,11 @@ export function useInsufficientMoneyAccountBalanceAlert({
     enabled: false,
   });
 
-  const amountHuman = pendingAmount ?? primaryRequiredToken?.amountHuman ?? '0';
+  const amountHuman =
+    pendingAmount ??
+    lastWithdrawAmount ??
+    primaryRequiredToken?.amountHuman ??
+    '0';
 
   const withdrawableMusd = useMemo(() => {
     if (