SwitchWizeFinancial Decisions, Made Clearer
P3

Family Office Cash Dashboard Calculator

Aggregate your liquid cash across all accounts and instantly see how your reserves stack up against your liquidity target.

Quick answer: Aggregate cash across checking, savings, and money-market balances and compare it with a user-selected liquidity target. Enter Checking Balance, Savings Balance, Money Market Balance, and Monthly Expenses to personalize the estimate. It returns Total Cash Across Accounts, Target Liquidity Reserve, and Amount Above or Below Target (Positive = Above) so you can compare the impact before choosing a next step. Use it to compare long-term value, tax impact, risk, time horizon, and contribution choices.

SWReviewed by SwitchWize Research Desk · Last reviewed July 14, 2026
Total Cash Across Accounts
$350,000
Total Cash Across Accounts
$350,000
Target Liquidity Reserve
$240,000
Amount Above or Below Target (Positive = Above)
$110,000
Diagnostic

Total cash across accounts is about $350,000, against a target reserve of $240,000.

The signed difference is about $110,000; positive is above the target and negative is below it.

Compare high-yield savings rates
What to do next

Compare high-yield savings rates

Your action plan
  1. 1

    Set the target and timeline for this plan

    Aggregate cash across checking, savings, and money-market balances and compare it with a user-selected liquidity target.

  2. 2

    Pressure-test one alternate scenario before deciding

    Assumptions change the answer, especially when rates, taxes, or timing matter.

  3. 3

    Save the result to Money Map or use the linked next action

    Turn the result into a prioritized action instead of treating it as a one-off number.

Compare high-yield savings rates

This is an educational estimate, not tax, legal, investment, or lending advice. Tax rules, rates, and eligibility change and depend on your full situation. Confirm with a qualified professional or the provider before acting.

Calculator action path

Turn this result into a decision

Every SwitchWize calculator connects to a product comparison, rate context, guidance, alerts, and Money Map.

Rate authority hub
Compare
You could gain ~$350,000/yr. Compare nowMove from calculation to current product options.
Rate Trend
Track savings ratesUse market context before you decide when to act.
Guide
Banking Basics: How to Pick the Right Accounts inA complete guide to banking in 2026: compare checking, savings, money market, and CD accounts, avoid hidden fees, and maximize your interest with smarter choices.
Money Map
Map this $350,000/yr opportunitySave this opportunity and see how it fits your broader money plan.
Alert
Create a rate alertWatch the market instead of checking manually.
Top savings picks

Reviewed Sep 22, 2026 · Methodology

See all →
Newtek Bank
FDICNo minChecked Sep 22, 2026
4.20%APY
Open Account
Bread Savings
FDICChecked Sep 22, 2026
3.95%APY
Open Account
Vio Bank
FDICChecked Sep 22, 2026
4.01%APY
Open Account

Advertising disclosure: SwitchWize may earn a referral fee if you open an account through a link above. This does not affect our rankings. Ranked using the SwitchWize methodology. Learn more

Free to embed

Add this calculator to your site

Paste this snippet into any page. No account or API key required, the widget is responsive, and it updates with live rates. A SwitchWize attribution link is included in the embed automatically.

<iframe src="https://www.switchwize.com/embed/family-office-cash-dashboard?source=embed_selfserve" width="100%" height="680" loading="lazy" style="border:1px solid #e2e8f0;border-radius:14px;max-width:100%;width:100%" title="SwitchWize calculator"></iframe>
<script>(function(){window.addEventListener("message",function(e){if(e.origin!=="https://www.switchwize.com")return;var d=e.data;if(!d||d.type!=="sw-embed-resize")return;var f=document.getElementsByTagName("iframe");for(var i=0;i<f.length;i++){if(f[i].contentWindow===e.source){f[i].style.height=d.height+"px";break;}}});})();</script>

Frequently Asked Questions

Everything you need to know.

What does an example Family Office Cash Dashboard Calculator calculation look like?
Using this calculator's own default assumptions, a checking balance of $50,000, savings balance of $200,000 and money market balance of $100,000 produces an estimated total cash across accounts of $350,000 and target liquidity reserve of $240,000. Enter your own numbers above to see how it changes for your situation.
Why should I set a liquidity target based on monthly expenses rather than a fixed dollar amount?
Expenses vary over time and differ across family situations. Anchoring your target to months of spending means your reserve requirement automatically scales with your actual cash burn, staying relevant whether your costs change or your family structure evolves. This makes the target dynamic rather than arbitrary.
What does it mean if my cash is below my target?
A shortfall means your liquid reserves fall short of your chosen safety buffer. This doesn't necessarily signal danger: it depends on your cash flow predictability, access to credit, and other assets. It simply flags that you have less cushion than your target and may want to either rebalance funds or reassess whether your target is realistic for your situation.
Is the Family Office Cash Dashboard Calculator free to use?
Yes. SwitchWize calculators are free, and you do not need an account to run scenarios or view the result.
Does using the Family Office Cash Dashboard Calculator affect my credit score?
No. Using a calculator does not trigger a credit check. A credit impact can occur only if you apply directly with a lender, card issuer, or provider.
Are the results personalized financial advice?
No. Calculator outputs are educational estimates based on the inputs you enter. Review assumptions and confirm terms directly with providers before making a financial decision.
What should I do after seeing the result?
Use the recommendation module on this page to compare high-yield savings rates, or run Money Map to compare this investing & retirement decision with your other opportunities.
How does SwitchWize choose related offers?
Related offers are matched by the calculator surface (savings) and ranked using SwitchWize data such as rate, fees, trust signals, product fit, and switching friction. Paid relationships do not change organic ranking order.
How fresh are the rates and offers shown?
Rate and offer data is reviewed on a recurring cadence and every offer module shows review context or links to the methodology and disclosure pages.
Where can I see the ranking methodology?
The SwitchWize methodology page explains how rate freshness, editorial review, affiliate disclosure, and category ranking factors work.
Can Money Map use this result?
Yes. Money Map is the broader diagnostic path: it compares savings, mortgage, cards, and debt so you can see whether this calculator result is your highest-impact next move.

Why This Matters

Knowing your total liquid position across multiple accounts helps you avoid both cash drains and excess idle funds. By comparing your actual reserves to a target based on your monthly expenses, you can make informed decisions about rebalancing, deployment, or emergency preparedness. This mechanism ensures your family office maintains the right buffer without tying up capital unnecessarily.

How to Use It

  1. 1Enter your current checking account balance.
  2. 2Enter your current savings account balance.
  3. 3Enter your current money market account balance.
  4. 4Enter your typical monthly expenses to establish a baseline for your liquidity needs.
  5. 5Select how many months of expenses you want to keep as a liquid reserve target.
  6. 6Review your total cash, your target reserve amount, and whether you are above or below your target.
Related calculators
Retirement Cash Bucket PlannerNet Worth Projection CalculatorEmergency Fund Calculator
Compare high-yield savings rates