What is the difference between a cash flow statement and an income statement?

An income statement records revenue and expenses on an accrual basis, showing profit or loss. A cash flow statement tracks actual money moving in and out, which may differ significantly if customers pay late or prepayments are involved.

How many months can I project?

The tool supports projection periods of 3, 6, 12, and 24 months. Custom date ranges are also available if your planning cycle does not align with standard options.

Is a negative monthly cash flow always a warning sign?

Not necessarily. Seasonal businesses and growth-stage companies often experience planned negative months. The concern arises when negative positions persist across consecutive months with no clear path to recovery.

Can I share the results with a bank or investor?

The tool produces a clear formatted document suitable for preliminary discussions. Formal financing applications may require statements prepared or audited by a certified accountant.

Does this tool provide financial advice?

No. It is a planning aid only. For decisions involving significant capital, debt, or investment, consult a qualified financial advisor or certified public accountant.

Do I need to create an account to save my data?

Basic use requires no account. To preserve your data for a future session, download the project file locally after completing your projection.

Cash flow forecast — Free Online

📅 2026 TR Business Payment Calendar (tax/social security due dates)

Social Security (SGK) Declaration: By the 23rd of each month (if staff worked through month-end)
Social Security (SGK) Premium Payment: Last day of each month (4-5% monthly late fee if missed)
VAT Return + Payment: By the 26th of each month (for the prior month)
Withholding Tax (Muhtasar) + Stamp Duty: By the 26th of each month (prior month's withholdings)
Provisional Corporate Tax: May 17 / Aug 17 / Nov 17 / Feb 17 (quarterly)
Annual Corporate Tax: April (3 equal installments Apr/Jul/Oct) — 2026 rate 25%
Annual Income Tax: End of March (2 installments Mar/Jul)
Motor Vehicle Tax (MTV): 1st installment January / 2nd installment July
Property Tax: 1st installment May / 2nd installment November

📜 Official: Interactive Tax Office · SGK e-Declaration · Seasonal tip: tourism/construction revenue tends to run +30-50% in summer, lower in winter. (Dates and rates apply to Turkey — check your local jurisdiction.)

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

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💰 This tool is not financial advice — it is only a calculation aid. For investment decisions, consult a licensed investment advisor. Past performance does not guarantee future returns.

Cash Flow Forecast

📖 How to Use