The formula for that stuff is: Projected Balance + Cash. If this value is a negative number, you have to make up the amount you're trading to them.
So if player X is making 3.5m, and the trade puts them into a -1.2m deficit, you have to send them 1.2m in cash.
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It's amazing
How you make your face just like a wall
How you take your heart and turn it off
How I turn my head and lose it all
And it's unnerving
How just one move puts me by myself
There you go just trusting someone else
Now I know I put us both through hell
~Matchbox 20, "Leave"
Everyone knows it's spelled "TRAID", not trade
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