How many months can I plan and how do I set the start month?

You can choose 3, 6, 9 or 12 months from the settings bar (default is 6). Once you pick a start month and year, the table automatically generates the following months in order and handles year rollovers for you.

What is the opening balance and how does it affect the result?

The opening balance is the cash you already have at the start of the plan. The cumulative balance begins from this amount and each month's net flow is added on top, so the closing balance equals the opening balance plus the sum of all net flows.

Which income and expense categories can I enter?

Income includes Sales, Service, Rental, Interest and Other Income; expenses include Payroll/SSI, Rent, Raw Material/Goods, Utilities, Taxes/Fees, Marketing and Other Expense. You fill in these line items separately for each month.

How do I copy the same amount to every month?

Click the "All months" button next to any line item; the value you entered in the currently open month is applied across all months in the selected range. Use this shortcut for fixed costs like rent or payroll instead of typing them month by month.

How do I spot a month that goes into deficit?

In table view, months with a negative net cash flow have a red tab and show a warning sign instead of a checkmark, and if the cumulative balance drops below zero its figure turns red. This gives you an early warning of months with a cash crunch.

What does the chart view show?

The chart view displays side-by-side green income and red expense bars for each month, the net amount below each bar, and the monthly trend of the cumulative cash balance. It lets you visually compare the income-expense balance and how your balance accumulates over time.

Do the forecasts in this tool replace an official financial report?

No. The results are an informational estimate based on the data you enter; for official accounting, tax filing or loan decisions consult your financial advisor and rely on current regulations. The built-in 2026 tax/SSI calendar is only a reminder of routine dates.

Cash flow forecast — Free Online

📅 2026 TR İşletme Ödeme Takvimi (vergi/SGK rutin tarihler)

SGK Bildirgesi: Her ayın 23'üne kadar (sigortalı ay sonu çalıştırılmışsa)
SGK Primi Ödeme: Her ayın son günü (gecikirse aylık %4-5 gecikme zammı)
KDV Beyannamesi + Ödeme: Her ayın 26'sına kadar (bir önceki ay)
Muhtasar + Damga V.: Her ayın 26'sına kadar (önceki ay stopajları)
Geçici Vergi (Kurumlar): 17 Mayıs / 17 Ağustos / 17 Kasım / 17 Şubat (3 ayda 1)
Yıllık Kurumlar Vergisi: Nisan (3 eşit taksit Nisan/Temmuz/Ekim) — 2026 oran %25
Yıllık Gelir Vergisi: Mart sonu (2 taksit Mart/Temmuz)
MTV (Motorlu Taşıt): 1. taksit Ocak / 2. taksit Temmuz
Emlak Vergisi: 1. taksit Mayıs / 2. taksit Kasım

📜 Resmi: İnteraktif Vergi Dairesi · SGK e-Bildirge · Mevsimsel öneri: Yaz aylarında turizm/inşaat gelir +%30-50, kış aylarında düşük.

Months:Start:Opening Balance (₺):

Total Income

₺0

Total Expense

₺0

Net Cash Flow

₺0

Closing Balance

₺0

💚 Income — Jul

Sales Revenue

Service Revenue

Rental Income

Interest Income

Other Income

Total Income₺0

❤️ Expense — Jul

Payroll / SSI

Rent Expense

Raw Material / Goods

Utilities

Taxes / Fees

Marketing

Other Expense

Total Expense₺0

Month	Income	Expense	Net	Cumulative
Jul 2026	₺0	₺0	+₺0	₺0
Aug 2026	₺0	₺0	+₺0	₺0
Sep 2026	₺0	₺0	+₺0	₺0
Oct 2026	₺0	₺0	+₺0	₺0
Nov 2026	₺0	₺0	+₺0	₺0
Dec 2026	₺0	₺0	+₺0	₺0
TOTAL	₺0	₺0	₺0	₺0

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📖 How to Use

Enter values

Fill required numbers in the form.

Pick parameters

Currency / date / rate / bracket.

Compute

Result appears instantly.

Copy / share

Copy or share as link.

💰 Bu araç finansal danışmanlık değildir, sadece hesaplama yardımcısıdır. Yatırım kararları için SPK lisanslı bir yatırım danışmanına başvurun. Geçmiş performans gelecek getiriyi garanti etmez.

Frequently asked questions

For each month from your chosen start date it computes total income, total expense, net cash flow (income minus expense) and the cumulative cash balance running from your opening balance. This lets you see in advance which month your cash position turns positive or negative.

Cash Flow Forecast

📖 How to Use

Frequently asked questions