Treasury
Track time deposits, bonds, and money market funds through their full maturity and rollover lifecycle.
Overview
Treasury manages short-term investment instruments — time deposits, bonds, money market funds, and other placements — from creation through maturity, and optionally into a rollover. Each instrument is linked to a bank or cash account in Financial Accounts, and interest is calculated as simple interest over the instrument's date range.
Connects to Financial Accounts
When an instrument matures, its projected payout is credited directly to the linked account's balance in Finance → Financial Accounts. Ensure the linked account exists and is correct before maturing an instrument — the credit cannot be reversed automatically.
Instrument Lifecycle
Every instrument moves through at most three states, and the transitions are one-directional:
| Status | Meaning | Editable? |
|---|---|---|
| Active | Instrument is open and accruing interest toward its maturity date | Yes — can be edited or deleted |
| Matured | Instrument has matured; its projected payout was credited to the linked account | No — locked, only Roll Over or leave as-is |
| Rolled Over | The matured instrument's payout was reinvested into a new Active instrument | No — permanently archived, linked forward to the new instrument |
Use the status tabs at the top of the screen (All / Active / Matured / Rolled Over) to filter the instrument list.
Adding an Instrument
Click Add Instrument and fill in:
- Name — a descriptive label, e.g. "3-Month TRY Time Deposit"
- Type — Time Deposit, Bond, Money Market Fund, or Other
- Linked Account — the bank or cash account the principal is drawn from and the payout will return to
- Principal and Interest Rate (annual %, simple interest)
- Open Date and Maturity Date
As you fill in principal, rate, and dates, a live Projected Payout preview shows what the instrument will be worth at maturity: principal + (principal × rate% × years between start and maturity).
Maturing an Instrument
When an Active instrument reaches its maturity date, click Mature on its row. This:
- Computes the final projected payout from principal, rate, and the instrument's date range.
- Credits that payout amount to the linked account's balance in Financial Accounts.
- Sets the instrument's status to Matured and records the payout amount and maturity timestamp.
If the linked account no longer exists, the instrument still transitions to Matured with the payout amount recorded, but no balance is credited — check Financial Accounts afterward if this happens.
Rolling Over a Matured Instrument
Click Roll Over on a Matured instrument and pick a new maturity date. TotalApp then:
- Creates a brand-new Active instrument with the same type, linked account, and interest rate.
- Sets its principal to the prior instrument's payout amount (interest compounds into the new principal).
- Sets its start date to today and its maturity date to the one you chose.
- Tags the original instrument as Rolled Over and links it forward to the new instrument.
Rollover vs. Letting It Mature
Roll Over is only available immediately after maturing — it reinvests the payout as a new instrument instead of leaving it as cash. If you want the funds to simply sit in the bank account, do nothing further after maturing; the balance credit already happened.
AI Assistant
Treasury includes an embedded AI Assistant panel that reads the currently loaded treasury instruments (time deposits, bonds, money market funds) — name, type, principal, interest rate, currency, start/maturity dates, and status — and answers questions directly on the screen.
Portfolio Summary
Ask for total principal by instrument type or currency, and the weighted average interest rate across the portfolio.
Maturity Planning
Identify instruments maturing soon and their expected payout so you can plan rollovers ahead of time.
Yield & Risk Analysis
Compare interest rates across instruments and flag concentration risk in a single instrument type or currency.
Save as Report
Any AI response can be saved as a named report to My Reports with one click — the title is generated automatically from your prompt and the current month.
Open the panel from the vertical AI Assistant tab on the right edge of the screen. Select one or more instrument rows first to scope the assistant's context to just those instruments, or leave the selection empty to include the whole portfolio. It uses the Writer Engine configured in Settings → General → Writer Engine (API, Local CLI, or in-browser engines) — no per-screen configuration is required.
Selecting Multiple Instruments
Each row has a checkbox — click the header checkbox to select every visible instrument, or click individual rows. The checkbox shape (circle/square) and whether a checkmark icon shows follow your Settings → Appearance → List Style preference, same as every other multi-select table in TotalApp.
With one or more rows selected, a bulk action bar appears showing the selection count and a Delete action to remove all selected instruments at once (with a confirm step). Selecting rows also scopes the AI Assistant's context to just those instruments — see below.