If you hover your mouse to your gold it will show your reliable&unreliable gold . Yes the indicator already calculate after your gold loss
it does calculate. that's why when sometimes it says "50 gold for buyback" and you kill a creep and it still says "50 gold for buyback" because creeps are unreliable gold and it accounts for the fact that you will lose it when you die.
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Never actually thought about that :/
Because if you have alot of unreliable gold it is very possible that when you'll die you lose enough to not be able to bb