The System Monitor utility that comes with Windows (Accessories -
System Tools) will tell you this.  Use Edit - Add to add new items to
the reported data.  Unused physical memory is in the Memory Manager
section.

Note that RAM usage includes disk cache and one of the weaknesses in
Windows 95 is that it will sometimes build up a large disk cache and
then fail to reduce it in size when other memory requirements come
along.   Therefore with Windows 95 (and only with Windows 95) it is
generally advisable to limit the size of the disk cache to a maximum
of 25% of the total RAM.  

You do this by adding the following line below the existing [vcache]
section header in the system.ini file:

MaxFileCache=16384

(that is the value for 64 mb of RAM).

Also note that one of the reporting functions in System Monitor is
disk cache size.

Good luck

Ron Martell     Duncan B.C.    Canada

18Mb free is quite likely.  When the program actually loads, Windows can
usually make more RAM available if required by unloading unimportant stuff,
and in any case virtual memory allows Windows to run programs that require
more RAM than is actually available.