XTNL ALM
Asset-Liability Management

See your assets, liabilities, and liquidity on one calendar.

Track every earner and asset, model real liabilities down to the offset account and rate shock, and watch your projected liquidity on a day-by-day calendar — with receipts saved straight to your own Google Drive.

Overview · sample entity

A$1,248,000.00

Mortgage interest−A$2,850.00
Distribution+A$14,200.00
Custody fee−A$180.00

Dual-sided balance sheet

Real assets and real liabilities — mortgages, HECS-HELP, investment loans — netted into one real net worth figure, never a gross guess.

Liquidity & drawdown monitoring

A real cash flow calendar with LCR coverage and a cascading NAV drawdown hierarchy, flagged before it happens.

Rate shock & stress testing

Parallel rate shocks on real variable-rate debt, disposable-income exclusion, and Monte Carlo goal projections — all on real data.

Built for real treasury ops

Offset accounts, mark-to-market collateral, and LTV monitoring — the same tools a treasury desk uses, sized for a trust.

How it works

Three steps to a balance sheet that never lies to you.

1

Add your capital

Log every earner and income-generating asset — people or portfolio holdings.

2

Map your balance sheet

Add every liability and bill; each one is split into a real funding plan automatically.

3

Monitor the calendar

Watch real liquidity, drawdown, and rate-shock exposure, day by day.

Ready to see your risk before it happens?

Free to start. Your data stays in your own Supabase project and Google Drive — nothing shared, nothing sold.