> ## Documentation Index
> Fetch the complete documentation index at: https://docs.pxaccounting.com/llms.txt
> Use this file to discover all available pages before exploring further.

# Trust account

> Recurring income and expense charges, with PMC vs owner allocation.

Trust account charges are recurring postings PX expects on every reservation. Use them to capture cleaning, linen, maintenance reserves, owner-paid insurance, and other recurring items - things that always happen but live outside the standard rental commission calculation.

## Two buckets

* **Income charges** - things owed to the PMC or to a vendor. They credit the trust account.
* **Expense charges** - things owed back to owners or paid out of trust. They debit the trust account.

Each charge is independent. You can have as many of each as you need.

## What you set per charge

The in-app **Add charge** dialog walks through each field with inline help. Conceptually, every charge captures:

* A **name and category** for reporting and statement grouping.
* **How the amount is determined** - either a fixed value you set, or the value taken from the matching PMS line item.
* **When it is recognized** - on check-in, check-out, or spread across nights. Canceled bookings can use a different recognition.
* **Who receives it** - the vendor (a third party like a cleaner), the owner, or split between them. The PMC's share is implied by what is left over.
* **Optional VAT/GST on the charge** - billed to the owner.
* **Channel conditions** - exclude specific channels where the charge does not apply.

## A few worked examples

**Cleaning kept by an external cleaner.** Expense, variable per stay, allocated to the vendor. The owner's payout is unaffected; the cleaner is paid from trust.

\*\*Maintenance reserve, $50 per stay, owner-funded.** Expense, fixed at $50 per stay, allocated to the owner. The owner's payout is reduced by \$50 each stay, accumulating in trust for repairs.

\*\*Linen fee, $10 per night, PMC-retained.** Income, fixed at $10 per night. The PMC retains the charge.

**Resort fee, split 60% owner / 40% PMC.** Income, variable per stay, split allocation. Owner takes 60%, PMC takes 40% (implied).

## Audit findings related to trust account

If the business model expects a charge that is missing on a booking, or the amount differs from the model's calculation, you will see findings on the property detail page and in audits. Each finding includes the expected amount, the actual amount, and a reasoning string showing how the expected value was computed.

## When trust account becomes essential

Trust account configuration is what enables PX's owner statement reconciliation findings. Without it:

* Audits still detect data integrity issues (zero rent, payment anomalies, missing payments).
* Audits will not detect that an owner statement is off because a recurring charge was never posted.

The latter category catches the most expensive operational mistakes, so investing in trust account configuration pays back quickly.