Pick a client to begin
Use the Active Client picker at the top of the sidebar to choose a client. The Dashboard will show that client's Balance Sheet, P&L, Cash Flow, and Journal Entries.
Reports Hub
A unified place for historical statement reports, multi-period comparisons, and bulk exports across all clients.
- Date range picker — arbitrary from/to dates
- Period-over-period comparisons (e.g. Q4 2026 vs Q4 2025)
- Bulk export — pick reports, download as a single zip of Excel/PDF
- Saved report templates per firm
- Multi-client roll-ups for firms with related entities
Pick a client to begin
Use the Active Client picker in the sidebar to choose a client. The Chart of Accounts is per-client.
Pick a client to begin
Use the Active Client picker in the sidebar to view client details, contact info, and settings.
| ID | Type | Lender | Purpose | Rate Type | Rate | Freq | Term | Booked | Maturity | Proceeds | Payment | Total Interest | Outstanding | Actions |
|---|
| Effective Date | Rate | Source | Last Updated |
|---|
This table holds the firm-wide index rates Amorta uses to compute interest expense on variable-rate loans. When a loan has a rate type of SOFR or Prime and a reset frequency configured, the amortization engine looks up the rate in effect at each reset boundary and applies it to the entire interest period.
Rates here are firm-wide. They apply to every variable-rate loan across every client in your firm — you maintain one cache, not one per client.
How rates get into this table
Manual entry. Click + Add Rate, enter the effective date and rate. Manual entries always win over auto-fetched values for the same date.
NY Fed auto-fetch. Amorta auto-fetches Overnight SOFR from the New York Fed's public data feed. When you open this view, Amorta checks for new rates (no more than once every 24 hours) and proposes them in a confirmation banner at the top of the Rates tab. You click Confirm to add them to the cache, or Dismiss to ignore them. Auto-fetch never silently writes to your data — every batch requires explicit confirmation.
The Source column shows where each rate came from (Manual or NY Fed). Edits to an auto-fetched rate convert it to Manual.
Important: SOFR is not one rate
Your loan agreement references a specific SOFR variant. Amorta supports some but not all. Check the loan agreement's interest rate definition and confirm it matches what you're entering here.
- Overnight SOFR — Published daily by the New York Fed. The basic SOFR benchmark. This is what Amorta auto-fetches. If your loan agreement says "SOFR" without further qualification, it usually means this.
- Term SOFR (1M, 3M, 6M, 12M) — Published by CME Group, not the NY Fed. Used by most syndicated and bilateral commercial loans. Amorta does not auto-fetch Term SOFR. If your loan agreement specifies a Term SOFR tenor, enter the rate manually from CME's published values on each reset date.
- 30-Day Average SOFR — Published by the NY Fed but not currently auto-fetched. Common in some retail products. Enter manually if needed.
- Daily Simple SOFR / Compounded SOFR (in arrears) — Used in some bank loans. The rate is determined at the end of an interest period based on daily SOFR observations during that period. Amorta's engine assumes the rate is set at the start of the period (the "in advance" convention).
When in doubt, the lender's loan agreement and the most recent interest notice are the authoritative sources. Confirm before close.
How Amorta uses these rates
Amorta's amortization engine applies the following conventions to variable-rate loans:
- Rate fixed for the interest period. The rate in effect at the start of an interest period is used for the entire period until the next reset.
- Reset boundaries. Loans with a reset frequency configured (monthly, quarterly, semi-annual, annual) reset on either calendar boundaries (Jan 1, Apr 1, Jul 1, Oct 1 for quarterly) or on anniversaries of the booking date, depending on the loan's Reset anchor setting.
- Lookup. At each reset boundary, the engine reads this table for the most recent rate on or before the reset date. If no rate exists for the exact date, the most recent prior rate carries forward.
- First period uses the origination rate. From booking through the first reset date, the loan uses the rate set at booking, not whatever rate happens to exist in this table.
- Day count is 30/360. Most US commercial SOFR loans use Actual/360. Where day count differs from the lender's convention, computed interest will diverge from the lender's notice by small amounts, typically 1–3% of monthly interest.
These are the conventions. Confirm they match your loan agreement before relying on the schedule for close.
Manual override
Manual rate entry is always available and always takes precedence over auto-fetched data. If you disagree with an auto-fetched rate, edit it — Amorta will mark it as Manual and stop overwriting it on subsequent fetches.
For loan-specific overrides (e.g., a single loan with a rate that differs from the firm's index), use the Rate History tab inside the loan modal. Per-loan rate history overrides this firm-wide table.
Disclaimers. Amorta computes amortization schedules using the conventions described above. The accountant is responsible for confirming that these conventions match each loan's agreement, including SOFR variant, reset frequency, reset anchor, and day count.
Auto-fetched rates are sourced from the New York Fed's public data feed and are provided as-is. Amorta does not guarantee the accuracy, completeness, or timeliness of fetched data. Manual override is always available. The firm is responsible for verifying rates before using Amorta's output in a close package, financial statement, or any other deliverable.
Amorta is not a CPA firm and does not provide accounting, tax, or legal advice.