For option sellers who manage their portfolios actively, understanding cash flow is absolutely essential. You need to know exactly how much capital you've deployed, what you've withdrawn for expenses or profit-taking, and how much premium income you've collected from selling covered calls and cash-secured puts.
The MyATMM Dashboard provides two critical tabs that work together to give you complete visibility into your account: the Deposits & Withdrawals tab and the Premiums tab. These tools help you track every dollar moving in and out of your trading account while monitoring your income from option premium collection over time.
This tutorial walks through both tabs in detail, showing you how to manage your transaction history, correct data entry errors, and monitor your monthly premium income with precision. Whether you're tracking a small account or managing significant capital, these features ensure you maintain accurate records for both performance analysis and tax reporting.
The Deposits & Withdrawals tab serves as your complete transaction ledger for capital moving into and out of your trading account. This isn't about trades themselves—it's about the funding and distributions that determine how much capital you have available to deploy in your option selling strategies.
Many option sellers use multiple accounts or regularly move money between trading and personal accounts. Tracking these flows accurately is crucial for several reasons:
When you access the Deposits & Withdrawals tab, you'll see a complete transaction history showing every deposit and withdrawal you've entered. Each transaction includes:
The system automatically calculates your total deposits, which then flows through to other dashboard metrics like your percentage of capital used and available buying power.
Important Note: The Deposits & Withdrawals tab tracks your account funding only—not your trading activity. Your actual trades (covered calls, cash-secured puts, stock purchases, and assignments) are tracked separately in the Cost Basis section and reflected in your premium income on the Premiums tab.
Data entry mistakes happen to everyone. You might fat-finger a number, enter $553 when you meant $550, or accidentally record a deposit as a withdrawal. The good news is that fixing these errors is straightforward.
As shown in the demonstration, the platform doesn't currently have an edit button for individual transactions. Instead, you use a simple two-step process to correct any entry:
In the video example, a withdrawal for "gifts" was entered as $553 instead of the intended $550. The correction process took just seconds: delete the $553 withdrawal, then add a new $550 withdrawal with the same description. All totals and percentages updated automatically.
Mistake: Entered withdrawal of $553 for holiday gifts
Intended entry: $550 withdrawal for holiday gifts
Solution:
Result: Transaction history now shows correct $550 withdrawal, and all account metrics updated instantly
Even small errors in your deposits and withdrawals can cascade through your entire dashboard, affecting:
Taking a moment to correct errors as soon as you notice them ensures your performance tracking remains accurate and your decision-making is based on reliable data.
One of the most valuable metrics displayed on the Deposits & Withdrawals tab is your capital utilization percentage—how much of your total deposited capital is currently being used in active positions.
The system calculates this percentage by comparing your total capital deployed in positions (both stock holdings and cash securing puts) against your total net deposits (deposits minus withdrawals). This gives you an at-a-glance view of how fully invested you are at any given time.
In the demonstration, the account showed 32% utilization, meaning 32% of the deposited capital was actively working in positions while 68% remained available for new opportunities. When a test deposit of $20,000 was added, the percentage immediately jumped to 52% because the same amount of capital deployed represented a larger percentage of the now-larger deposit base.
Managing your capital utilization percentage is a key risk management tool for option sellers:
Many conservative option sellers target 50-70% capital utilization as a sweet spot that balances premium income with flexibility. More aggressive traders might push 80-90% utilization to maximize returns, accepting less flexibility in exchange for higher income potential.
Strategy Tip: Watch your capital utilization percentage closely when you're assigned on cash-secured puts. Each assignment converts reserved cash into stock positions, which may free up capital for new positions depending on your strategy. The MyATMM dashboard automatically updates your utilization as assignments occur.
While the Deposits & Withdrawals tab shows you capital movements, the Premiums tab focuses exclusively on income generated from selling options—the credits you receive from covered calls and cash-secured puts that form the foundation of income-focused option strategies.
The Premiums tab automatically aggregates all the credit transactions from your option selling activities and groups them by month. This organization gives you a clear historical record of your premium collection over time, making it easy to:
In the demo account shown in the video, there were only transactions for December 2022, so the Premiums tab displayed a single monthly total for that period. As you continue trading and enter new months, the tab automatically creates new monthly groupings (January 2023, February 2023, etc.) and displays them in chronological order.
Each monthly entry shows your total credits received for that period. This number represents the actual cash premium collected from all your option selling activities:
Note that this is gross premium income—it doesn't subtract any debits from closing positions at a loss or buying back options. The focus is purely on the income side of your option selling activity.
December 2022: $2,847 total credits received
January 2023: $3,215 total credits received
February 2023: $2,990 total credits received
Three-Month Average: $3,017 per month
Annualized Income Projection: $36,204
As mentioned in the demonstration, the Premiums tab is designed to evolve as your trading history grows. Currently, it displays a simple chronological list of monthly totals. Future enhancements under consideration include:
These improvements will make it even easier to analyze your income patterns without endless scrolling through years of monthly data.
The real power of the Dashboard comes from using the Deposits & Withdrawals tab and the Premiums tab together to get a complete picture of your option selling performance.
By combining data from both tabs, you can calculate meaningful performance metrics:
Monthly Return Percentage = (Monthly Premium Income ÷ Total Net Deposits) × 100
For example, if you have $50,000 in net deposits (after withdrawals) and you collected $1,500 in premium income in a given month, your return for that month is 3% ($1,500 ÷ $50,000 = 0.03 or 3%).
Annualized, that 3% monthly return would project to 36% annual return from premium income alone—and this doesn't include dividend income from stocks you own or capital gains from stock price appreciation.
Many option sellers aim to "live off" their premium income, withdrawing their option credits regularly while keeping their principal intact. By monitoring both tabs, you can easily see if your premium income covers your desired withdrawal rate.
If you're collecting $3,000 per month in premiums and withdrawing $2,500 per month for living expenses, you're successfully covering your costs while growing your account by $500 monthly. The Deposits & Withdrawals tab shows your withdrawals, the Premiums tab shows your income, and together they tell the complete story.
Performance Insight: Option sellers who systematically track both capital deployed (via deposits/withdrawals) and income generated (via premiums) tend to make better position sizing decisions and achieve more consistent returns over time. These simple metrics remove the guesswork from portfolio management.
Before tools like MyATMM, option sellers had to track deposits, withdrawals, and premium income manually in spreadsheets—a time-consuming and error-prone process that often led to miscalculations and missed insights.
Managing this data in spreadsheets creates several problems:
The MyATMM Dashboard eliminates these headaches through purpose-built automation:
What used to take 15-20 minutes of spreadsheet work each month now takes less than a minute to review your dashboard tabs and verify everything is tracking correctly. That time savings adds up—and more importantly, the accuracy improvement gives you confidence in your performance metrics.
Time-Saving Benefit: Most option sellers using MyATMM report saving 5-10 hours per month compared to their previous spreadsheet-based tracking methods. That's time you can spend analyzing new opportunities instead of fighting with Excel.
Setting up your Deposits & Withdrawals and Premiums tabs is straightforward and takes just a few minutes when you first create your MyATMM account.
Join thousands of option sellers using MyATMM to track deposits, withdrawals, and premium income with precision. See exactly where your capital is working and how much income you're generating every month.
Create Your Free Account Track up to 3 tickers free forever. No credit card required.Options trading involves substantial risk and is not suitable for all investors. Past performance does not guarantee future results. The information provided in this article is for educational purposes only and should not be considered financial advice. Always consult with a qualified financial advisor before making investment decisions. Selling options can result in significant losses, including the entire premium collected and potential assignment obligations requiring substantial capital.