CashFlow: Budget — Nakdim

Shows not just where your money is today, but where it will be five years from now. Your income, expenses, loan installments, rental earnings, and credit card statements converge into a unified 60-month cash flow curve. See ahead of time which month cash will be tight and exactly when your debts will be paid off. CASH FLOW PROJECTION • Forward-looking balance forecasts up to 60 months • Modify income & expense scenarios and see immediate results • Smart warnings when your cash reserves drop below critical thresholds CREDIT CARDS & INSTALLMENTS • Automatic statement periods based on statement closing dates • Statement balance, minimum payment, and due date tracking • Remaining installment counts on purchases • Limit utilization and total card burden analysis LOANS & FINANCING • Bank loan amortization schedules and remaining principal balances • Early payoff simulation • Monthly total installment load overview CHECKS & PROMISSORY NOTES • Maturity dates for received and issued commercial paper • Net term position and portfolio vs. collection tracking • Bounced and overdue document management • Timely notifications before due dates DEBTS & RECEIVABLES • Person-by-person net ledger balances • Partial payment and collection logging • One-tap WhatsApp reminder on due dates PROPERTIES & RENT • Rental income and expenses per property (residential, commercial, office) • Tenant tracking and vacancy period scenarios • Net monthly cash flow of your entire real estate portfolio SAVINGS & INVESTMENTS • Time deposits: maturity dates, interest rate history, yield models • Private pension (BES): personal contributions, government match & vesting • Project-based budgeting and expense envelopes RECURRING EXPENSES • Rent, utilities, subscriptions, insurance, and taxes • Mark as paid with complete historical payment logs • Upcoming due date reminders and price increase alerts • Quiet hours protection and daily consolidated digest notifications FINANCIAL INSIGHTS & ANALYTICS • Category-based spending trends • Habit and cash burn diagnostics • Financial health scorecard • Comprehensive monthly ledger YOUR DATA STAYS WITH YOU • No account registration or internet connection required • All financial data is stored 100% locally on your device — never on a server • Biometric app lock via Face ID / Touch ID or PIN • Export to multi-sheet Excel (.xlsx), CSV, and JSON; secure restore via JSON ADDITIONAL HIGHLIGHTS • Full English and Turkish language support • Multi-currency support (₺, $, €, £) • Dark and Light theme modes • Guaranteed 100% offline functionality For small business owners and freelancers: commercial notes, supplier term debts, and recurring tax/social security liabilities are processed through the same powerful cash flow engine.