Cash Planning answers one question: will there be enough cash, in the right account, when it’s needed? It holds 24 months of month-end cash balances — the last twelve as they actually happened, and the next twelve as Trac projects them — for every cash account in the household, grouped under the entity that owns it. The page opens on the current month and the eleven ahead of it, and the history is one tap away whenever you want to check the forecast against it. From there you can open any month to see the individual flows behind it, correct a projection Trac got wrong, add an expected payment it couldn’t know about, and export the whole picture.

Cash Planning is a web feature. Open it from Cash Planning in the sidebar’s More menu.

Find what you need#

A few ideas carry the whole page:

  • The plan spans history on the left and forecast on the right, with a TODAY divider on the boundary and projected months shaded so you never mistake one for the other. You start on the current month looking forward; All 24 brings the history back beside it. See Reading the grid.
  • The forecast is derived from your own history, not typed in by anyone. Trac finds flows that repeat on a rhythm and carries them forward twelve months. See Where the projected numbers come from.
  • Nothing about a projection is fixed. Any projected flow can be corrected, suppressed, or added to, one cell at a time, and the balances recompute immediately. See Adjusting a projection.
  • Projections are forecasts, not commitments. They move as your history moves and are recalculated every time the page loads — there is no saved forecast, only saved adjustments.

Jump straight to a task:

Reading the grid#

Each row is a cash account, and each column is a month-end. The account rows sit underneath the entity that owns them — a trust, an LLC, a person — and each entity row carries that entity’s subtotal across its accounts. A Household total row runs along the bottom. Any account Trac can’t trace to an owning entity is collected under Unassigned.

The number in a cell is that account’s balance at the end of that month.

  • The TODAY marker sits on the current month. Everything to its left is what actually happened; everything from it rightwards is shaded to show it’s projected.
  • Entity rows expand and collapse — tap one to show or hide its accounts. An entity with unfunded private-fund commitments also shows the unfunded total beside its account count.
  • A cell whose balance falls below that account’s minimum-balance threshold is flagged.
  • A red ! marker on a cell means Trac has flagged something on that account in that month; a $ marker means a projected capital call lands there. Tapping a marker opens the month with that flag already in view.
  • The first column stays frozen while you scroll sideways, so you never lose track of which account a number belongs to.

Tapping an entity or account label opens that entity’s or account’s own page.

Changing what the grid shows#

The toolbar above the grid controls the view:

  • Last 12 / Next 12 / All 24 — narrow the grid to the history, to the forecast, or show the full 24-month span. Both twelves include the current month: Last 12 ends on it and Next 12 starts on it, so the month you are standing in is on screen either way. Last 12 is the eleven closed months and this one; Next 12 is the twelve months ahead, with the current month carried along as the line they run from. Next 12 is the default, so the page opens on the forecast; switch to All 24 whenever you want the older history beside it.
  • Pair months — reorder the columns so each historical month sits directly beside its projected counterpart a year later (May ‘25 next to May ‘26, June ‘25 next to June ‘26, and so on). This is the quickest way to sanity-check a projection against the month it was derived from.
  • Filter accounts or entities — type into the search box to narrow the grid to the rows you want, matching on entity and cash-account names (including an account’s trailing digits). An entity you name keeps all of its accounts; an account you name keeps its owning entity for context. Subtotal and household rows are computed across every account and do not change when you filter, so an entity showing some of its accounts says so — “2 of 6 accounts”.
  • Refresh — reload the plan. Cash Planning keeps showing what’s on screen while it refetches in the background, so the grid doesn’t go blank.
  • The information button opens How projections are calculated, a plain-language summary of the same rules described below.

Opening a month#

Tap any cell to open its breakdown. The header shows the account, the month, the starting and ending balance, and the net change. Below that are two tabs:

  • Postings — every flow that made up that month’s change, listed by date. For a historical month these are the real transactions; for a projected month they are the projected flows. Each line names the holding the money comes from or goes to, the amount, and whether it’s money in or money out. Tapping a line opens that holding.
  • Callouts — anything Trac flagged on that account in that month, plus any capital calls projected to land there.

A projected line also carries a short explanation of how it was derived — the rhythm Trac found in your history, phrased in the plain terms it used to build the number (“seen 9 of 12 mo”, “recurs annually”). If a flow carries a note, that shows on the line too.

Where the projected numbers come from#

Trac builds the next twelve months from what the last twelve actually did. You never have to enter a forecast for it to have one.

Recurring history, pulled forward. Each account’s history is scanned for flows that repeat on a rhythm — monthly, quarterly, or annually. Those are carried forward twelve months into the same account they historically landed in.

Year-over-year trend. Recurring amounts are scaled by comparing the trailing year against the year before it, so a flow that is growing or shrinking is reflected rather than held flat. The scaling is clamped to a sensible range, and when history is too thin to read a trend at all, amounts are carried forward unscaled.

One-offs are suggested, not assumed. A flow seen only once has no rhythm behind it, so it does not move the projected line on its own. It’s held back as a suggestion for you to accept or dismiss. Distributions from illiquid funds are the exception — they stay in the forecast, but are labelled low confidence.

Commitment capital calls. For a private-fund commitment, the unfunded balance is projected as future capital calls — at that fund’s own historical call pace where there is one, and otherwise spread evenly over its expected horizon. Each projected call draws from the fund’s designated funding account.

Closed accounts and closed holdings drop out of the forecast. They keep their real historical balances on the left half of the grid, but nothing is projected from or into them.

Each month’s ending balance is simply the previous month’s ending balance plus projected money in, minus projected money out.

Adjusting a projection#

Trac’s forecast is a starting point. When you know better — a distribution that isn’t coming, a bonus that is, a number that should be larger — you correct it directly on the cell, and the account row, its entity subtotal, and the household total all update straight away.

Open the month, then on any projected line:

  • Override — replace that projected flow with your own amount. Your figure takes the place of the derived one in that month; the original stays visible, marked as overridden, so you can always see what Trac had computed.
  • Dismiss — suppress that projected flow entirely, as though it won’t happen. A dismissed line collapses to a struck-through row with an Undo beside it.

Lines you entered yourself can also be edited or deleted outright.

To throw away every adjustment on a cell at once and go back to Trac’s own numbers, use Reset this cell to derived values.

Adding an expected event#

Use Add an expected event when you know about cash movement Trac can’t derive — a planned transfer, a known bonus, a one-off expense. You supply:

  • Source item — the holding the money flows from or to.
  • Money in or money out, relative to the cash account.
  • Amount and the expected date. The date’s month decides which cell it lands in.
  • An optional note, which then shows on the line in the breakdown.

By default an added event sits alongside whatever Trac derived for that month. Tick Replace derived events in this slot if it should stand in for the derived flow rather than add to it.

Adjustments are the only part of Cash Planning that is stored. Everything else is recalculated fresh each time the page loads, so your corrections survive while the forecast around them keeps up with your data.

Callouts: what Trac flags#

The Callouts button on the toolbar opens a panel covering everything Trac wants you to look at. It has three tabs.

The Callouts tab lists the household’s active flags:

  • Commitment funding may outpace available cash — the headline flag. For an entity, the projected capital calls are compared against the cash expected to be available; if the calls create a shortfall, the flag names the month it starts and the net position.
  • An account dips below its minimum balance — the projected balance falls under the threshold set for that account, naming the month and the amount.
  • Uninsured cash at an institution — cash held at one institution exceeds the insured limit, with the amount over.

Each flag can be tapped to open the account or entity it concerns, and dismissed with the × once you’ve dealt with it. Dismissing is remembered, and a dismissed flag also clears its ! marker from the grid.

Capital activity and capital calls#

The Capital activity tab is the commitment picture. Per entity, it shows the unfunded total, calls against distributions as a net position, and whether that entity’s commitments look covered or heading for a shortfall — with the month a shortfall would start.

Below that is the projected capital-call schedule, grouped by fund. Each fund collapses into one summary line — total projected to be called over the window, how many calls that is, which account funds them, and how much commitment would still be unfunded afterwards. Tap a fund to expand its month-by-month calls, and tap a call to open the fund. On a large book only the soonest calls are listed, and the panel says so.

These are projected calls derived from pace and unfunded balance, not calls you’ve actually received.

Suggestions: one-offs you decide on#

The Suggestions tab holds the flows Trac deliberately kept out of the forecast — one-offs with no repeating rhythm, and low-confidence streams. Each suggestion shows the holding, the account the money moves into or out of, the amount, and why it isn’t trusted automatically (Seen once or Low confidence).

For each one:

  • Add to forecast folds it into the projected line.
  • Dismiss leaves it out for good.

Either decision can be undone. When there’s nothing pending, the tab says so — every projected flow is a trusted recurring stream.

Change history#

The History button opens Cash Planning History — a record of every change anyone has made to the plan: manual entries, overrides, dismissals, callout dismissals, and suggestion decisions. Each entry names what changed, who changed it, and when, with the before-and-after values for the fields that moved.

Search across changes, accounts, users, and dates, and filter by change type, event, or user. History opens on the last twelve months; Show full history goes back further.

Exporting#

The Download menu offers three formats, each capturing the grid as it’s currently arranged — the same entity expansion state and the same row filter you’re looking at:

  • CSV — the plain month-by-month matrix: an entity’s account rows, its subtotal, and the household total.
  • Excel — a workbook where month cells are real currency-formatted numbers that sum and chart without re-import, subtotal and total rows keep their emphasis, and the callouts ride along on their own sheet.
  • PDF — a printable rendering of the grid together with the visible callouts.

See Exporting data for more on exports generally.

Asking Traci#

Traci can read the cash forecast and act on it. Because the forecast is recomputed on demand rather than stored, asking Traci is the only way to get at projected balances in conversation — questions about future cash, expected capital calls, or projected shortfalls all route through Cash Planning.

You can ask things like “when does the trust run short of cash?”, “what capital calls are coming in the next six months?”, or “which accounts dip below their minimum?”.

Traci can also propose changes to the plan — adding an expected flow, correcting a projected one, or suppressing one. Every such change arrives as a proposal you approve; nothing is written to your plan until you accept it. See Traci, the AI Assistant.

  • Dashboard — the balances and cash position as they stand today.
  • Activities — the transactions the historical half of the grid is built from.
  • Reports — build your own tables over the same portfolio data.
  • Exporting data — CSV, Excel, and PDF exports across the app.
  • Traci, the AI Assistant — asking about the forecast and approving proposed changes.
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