Dzgi

A private treasury workspace for fixed-term deposit certificates and cash settlement planning. Book each certificate with principal, annual rate, start date, term, and interest timing, then review projected interest and maturity totals from elapsed days. Build a funding ladder with total amount, layer count, spacing, and rate; every layer shows opening date, duration, and projected return. The settlement calendar groups payouts by month and highlights available capacity. A rollover journal records renewals or withdrawals at maturity. Compare contracted interest with an opportunity rate in the early redemption estimator, including estimated interest gap and gap ratio. The fund ledger brings blended yield, book principal, term allocation, and accumulated interest into one review. Figures are educational planning estimates and do not replace provider documents or professional guidance.