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X1 checks each capital call against its notice and plans how your family pays it.

When a private fund your family invests in asks for money, it sends a notice called a capital call. X1 reads the notice from your uploads or your Dropbox or Box folder, checks the amount against the notice and shows you the page it came from, works out which account can pay it and still keep the minimum you hold there, and drafts a plan for you to approve.

You send the wire from your bank, the way you do today. The notice, the plan and the payment stay together for your CPA.

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Capital call no. 6Ridgeway Growth Partners IIIPaid by Whitcomb Marine Supply LLC, which the family trust owns
$180,000Due December 21
Charlotte’s company promised the fund $750,000
Paid before this call
$420,000
This call
$180,000
The fund may still call
$150,000

What the fund may still call is from Ridgeway’s September statement.

  • Check the $180,000 against the noticeMatchesPage 1 of the notice
  • Check cash after each account’s minimumCheckedOperating checking keeps $432,000, above the $250,000 she holds there
  • Apply your family ruleOn recordHer October decision: nothing gets sold to cover a Ridgeway call
The plan, ready for CharlottePay $180,000 from operating checking.She sends the wire from her bank.
An example family. Charlotte’s company owes the fund $180,000 by December 21, and the plan is waiting for her.

One call from the notice to the payment

Here is the same call at each step: what X1 shows you, and what it has done so far. Click a step to see it.

  2. Operating checking can cover the call and still keep the $250,000 Charlotte wants left in it. The tax reserve isn’t touched. The brokerage stays as it is, because in October she decided nothing gets sold to cover a Ridgeway call.

Step 2 of 4: The right account pays, and the tax money isn’t touched

Capital call no. 6Ridgeway Growth Partners III
$180,000Due December 21
Operating checking$612,000
$432,000 left after the call, above the $250,000 she keeps there.
Tax reserve$148,000
Set aside for taxes. Untouched.

Her October decision: nothing gets sold to cover a Ridgeway call.

Done
  • Operating checking: $612,000 now, $432,000 after
  • Tax reserve: $148,000, untouched
  • Brokerage: nothing sold, as she decided in October
Step 2 of 4

What X1 checks on a call

Each call keeps a work log. Here is the example call’s log, with the word X1 puts beside each step. The family rule line appears only when your family has a rule on record, and the wire lines appear once you approve a plan.

Work logCapital call no. 6, Ridgeway Growth Partners III
  1. Read the noticeReadCapital Call No. 6, from her Dropbox folder
  2. Check the $180,000 against the noticeMatchesPage 1
  3. Check cash after each account’s minimumCheckedOperating checking keeps $250,000 (her note)
  4. Work out how to payWorked out$180,000 from operating checking, leaves $252,000
  5. Apply your family ruleOn record“Nothing gets sold to cover a Ridgeway call”
  6. Approve the planNeeds youWaiting for Charlotte

  • The notice opens the call

    Upload the notice, or let it arrive in a Dropbox or Box folder you’ve connected to X1. If X1 can match it to exactly one fund on your record, it opens the call and tells you.

  • When it isn’t sure, it asks

    If X1 can’t tell which fund it’s for, or which of your trusts or companies it’s addressed to, the notice waits for you to say.

  • Each line has a record behind it

    A line shows up in the log only when there’s a record behind it: the notice, a balance, a saved plan, your decision. Each one shows where it came from.

Why the plan says what it says

Open Why on a call and you see what shaped the plan: the notice and the page it came from, the decision your family made in its own words, and any advice from a professional, filed as advice and kept apart from your decisions.

From the notice, page 1

“Amount due: $180,000. Due date: December 21, 2026.”

A decision on the record

Hold the brokerage rebalance until the next Ridgeway call is paid, so nothing is sold to cover it.

Decided
October 8, 2026, recorded by Charlotte
What it applies to
The brokerage account and the Ridgeway fund
Where this came from
The September brokerage statement and her father’s note
A professional’s advice

“I’d rebalance the brokerage account this quarter.”

Her wealth manager, by email, October 20, 2026

What stays with you

  • X1 doesn’t send the wireYou send it from your bank. X1 records the payment when it sees the wire leave a connected account, and you can undo that record.
  • X1 doesn’t verify wire instructionsConfirm the wire instructions with the fund by phone, on a number you already have, before you send. A notice that looks right isn’t proof.
  • X1 doesn’t interpret the fund agreementYour fund’s agreement controls what you owe and when. X1 reads the notice; it doesn’t tell you what the agreement means.
  • What’s left to call needs a statementX1 shows what the fund may still call only when a statement of your unfunded commitment is on record. Without one, it says so.

Who gets it, and how to start

Who it’s for
Anyone whose family invests in private equity, venture or real estate funds, directly or through a trust or company.
Capital calls
Capital call tracking comes with membership, including the free month.
The bank match
X1 can record the payment when your bank account is connected. Connecting bank accounts comes with membership.
Your CPA
Invite your CPA or another professional and bring them into the call. A professional you invite pays nothing.
Try it free for 30 days

Free for 30 days, no card. After that, membership is $97 a month, or you keep a free account.

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Questions before you start

What is a capital call?
A capital call is a private fund asking an investor for part of the money the investor already promised it. The notice gives the amount, the due date and where to send it. X1 reads the notice, checks the amount and your cash, and drafts a plan for you to approve. The capital call notice checklist.
Is there capital call software for individual investors and families?
Much of the capital call software on the market is built for the fund managers who send the calls. X1 is built for the family paying them: it reads the notice, checks the amount against it, works out which account pays, and keeps the notice, the plan and the payment together. It comes with membership.
Does X1 pay the capital call?
No. You approve the plan in X1 and send the wire from your bank. X1 does not verify wire instructions, so confirm them with the fund by phone first.
How does X1 know which fund a notice belongs to?
It matches the notice to the fund holdings on your record. When exactly one fund fits, X1 opens the call. When none or more than one fits, or the notice names a trust or company X1 can’t place, the notice waits for you.
Can my CPA see the call?
Yes. Invite your CPA, and you can bring them into the call’s conversation. They see what you choose to share.