Treasury Planner
Map your allocations, keep cash for operations, and see when capital returns.
Treasury assumptions
All amounts are in USDC, with no USD conversion. Inputs are illustrative and editable. Unallocated budget stays in cash at zero yield. Changing the planning asset resets allocation assumptions; budget and spending retain their entered numbers.
Build your allocations
Allocate up to 100%. Seed assumptions from a market snapshot or enter your own annual rate and maturity.
Snapshot rates remain editable and do not refresh your plan automatically. The model applies each rate to its entire allocation until maturity; actual PT execution depends on quotes, redemption terms and fees.
Maturity proceeds
| Allocation | Principal · USDC | Days | Modeled gain · USDC | Proceeds · USDC |
|---|---|---|---|---|
| Short-term allocation | 25,000 | 30 | 100.46 | 25,100.46 |
| Medium-term allocation | 25,000 | 90 | 361.78 | 25,361.78 |
| Long-term allocation | 25,000 | 180 | 848.22 | 25,848.22 |
Cash-flow schedule
| Month | Maturity inflows · USDC | Operating spend · USDC | Ending cash · USDC |
|---|---|---|---|
| 1 | 25,100.46 | 5,000 | 45,100.46 |
| 2 | 0 | 5,000 | 40,100.46 |
| 3 | 25,361.78 | 5,000 | 60,462.24 |
| 4 | 0 | 5,000 | 55,462.24 |
| 5 | 0 | 5,000 | 50,462.24 |
| 6 | 25,848.22 | 5,000 | 71,310.46 |
| 7 | 0 | 5,000 | 66,310.46 |
| 8 | 0 | 5,000 | 61,310.46 |
| 9 | 0 | 5,000 | 56,310.46 |
| 10 | 0 | 5,000 | 51,310.46 |
| 11 | 0 | 5,000 | 46,310.46 |
| 12 | 0 | 5,000 | 41,310.46 |
Principal still allocated beyond the horizon: 0 USDC. Negative cash represents an unfunded shortfall, not available borrowing.
Planning methodology
Proceeds = principal × (1 + annual APY)^(days / 365). Each planning month is 30 days. Maturities within a month arrive before that month's spending; this can hide cash gaps earlier within the month. Cash-only runway excludes maturity inflows.
No automatic reinvestment or trading. No early exits, fees, taxes, price changes, defaults or variable-rate paths are modeled. Amounts shown are scenario estimates, not promised returns or wallet balances. Review individual quotes before funding an allocation.