Maple Family Trust line
Example Private Bank · Maple Family Trust · 5.80% from the bank, 2026-11-02 · interest paid monthly
Above comfort
Limit
uncommitted, on demand
Drawn
bank, as of 2026-11-02
Available
est.
to draw today
Utilization
of lending value; comfort 50%
Distance to a call
est.
market-wide fall
How far it can fall
Drawn against lending value and the call level, as collateral falls
This balance isn’t among your synced debts, so net worth doesn’t include it. Link the line to its debt, or add the debt.
DrawnAvailableCallNot lent against
- Not lent against$204k → $414k
- Call$199k → $204k
- Available$100k → $150k
- Drawn$0 → $100k
How far collateral can fall before a call
0%100%
- Market-wide 50%
- VTI alone 63%
- Your alert 30%
Collateral
$414,097
estimate
Lending value
$198,879
estimate
LTV
24.1%
call at 48.0%
Largest alone
63.1%
VTI · trigger $154
Interest a year
$5,881
360 day count
Collateral
Each pledged position, what the bank lends against it, and the fall that alone would bring a call
| Position | Type | Value | Share | Advance | Lending value | Call value | Fall alone to a call |
|---|---|---|---|---|---|---|---|
| Vanguard Total Stock Market | Fund | $290,428 | 70.1% | 50% | $145,214 | $145,214 | 63.1% |
| NVIDIA Corp. | Stock | $123,669 | 29.9% | 43% * | $53,665 | $53,665 | no call even if these fall to zero |
- Type
- Fund
- Value
- $290,428
- Share
- 70.1%
- Advance
- 50%
- Lending value
- $145,214
- Call value
- $145,214
- Fall alone to a call
- 63.1%
- Type
- Stock
- Value
- $123,669
- Share
- 29.9%
- Advance
- 43% *
- Lending value
- $53,665
- Call value
- $53,665
- Fall alone to a call
- no call even if these fall to zero
Plan a draw
What a draw would change, under stress: build it in Plan
Room to draw now
$50,000
estimate
Largest draw that survives a 30% fall
$50,000
limited by the line's room
Interest on $25k a year
$1,470
at 5.80%
Planned draws
1
1 on file, listed below
- $25,000 · a diversified fund in the pledged account · Investment · by Nov 24, 2026 · plannedOpen in Plan
Ledger
Draws, repayments and interest on file
DrawnLending valueCall valueBank says
Scale $92k to $214k (not from zero)
Utilization
now 67% · min 67% · max 67%
Distance to call
now 50% · min 49% · max 52%
| Date | Entry | Amount | Note |
|---|---|---|---|
| Jun 13, 2026 | Draw | $100,000 | Fictional draw, invested in the account |
- Jun 13, 2026
- Entry
- Draw
- Amount
- $100,000
- Note
- Fictional draw, invested in the account
Bank figures
What the bank says, beside what xutz works out
| Figure | Bank, Nov 2, 2026 | xutz, Nov 1, 2026 | Difference |
|---|---|---|---|
| Balance | $100,000 | $100,000 | +$0 (0.0%) |
| Collateral value | $280,000 | $419,409 | +$139,409 (49.8%) |
| Lending value | $136,000 | $201,193 | +$65,193 (47.9%) |
| Available | $36,000 | $50,000 | +$14,000 (38.9%) |
| Rate | 5.80% | 5.80% |
- Balance
- Bank, Nov 2, 2026
- $100,000
- xutz, Nov 1, 2026
- $100,000
- Difference
- +$0 (0.0%)
- Collateral value
- Bank, Nov 2, 2026
- $280,000
- xutz, Nov 1, 2026
- $419,409
- Difference
- +$139,409 (49.8%)
- Lending value
- Bank, Nov 2, 2026
- $136,000
- xutz, Nov 1, 2026
- $201,193
- Difference
- +$65,193 (47.9%)
- Available
- Bank, Nov 2, 2026
- $36,000
- xutz, Nov 1, 2026
- $50,000
- Difference
- +$14,000 (38.9%)
- Rate
- Bank, Nov 2, 2026
- 5.80%
- xutz, Nov 1, 2026
- 5.80%
- Difference
Calibrate: the bank’s blended advance rate is 48.6% (lending value ÷ collateral); xutz’s today is 48.0%.
Demo mode: read-only.
Estimates from your holdings and the terms you entered. The bank's own valuation, rates and decisions govern, and it may change them. Not advice.