CashFlow: Budget — Nakdim

Shows you not just where your money is today, but where it will be in the future.

Your income, expenses, loan installments, rental earnings, and credit card statements merge into a single forward-looking cash flow curve. See in advance which month cash will be tight and exactly when your debts will be paid off.

CASH FLOW PROJECTION • Up to 12-month forward balance and cash flow forecasts • Up to 24-month payment and installment calendar • Adjust income & expense scenarios and see results instantly • Smart warnings when your cash reserves reach critical thresholds

CREDIT CARDS & INSTALLMENTS • Automatic billing cycles based on statement closing dates • Statement balance, minimum payment, and due dates • Remaining installment countdown • Credit limit utilization and debt load analysis

LOANS • Amortization schedules and remaining principal balance • Early payoff payoff simulations • Total monthly installment load

CHECKS & PROMISSORY NOTES • Maturity tracking for issued and received notes • Net forward position and portfolio/collection status • Bounced and overdue register tracking • Due-date approaching notifications

DEBTS & RECEIVABLES • Contact-based net current account balances • Partial payments and collection logging • Due-date reminders via WhatsApp

PROPERTIES & RENT • Rental income and expenses by property (residential, commercial) • Tenant tracking and vacancy period scenarios • Monthly net cash flow of your property portfolio

SAVINGS & INVESTMENTS • Time deposits: interest cycles, rate history, yield models • Pension (BES): personal contributions, state match & vesting tracking • Category budget goals and spending limits

RECURRING BILLS • Rent, utilities, subscriptions, insurance, and taxes • Mark-as-paid and detailed payment history • Upcoming payment reminders and price hike alerts • Quiet hours and daily digest notifications

ANALYTICS & INSIGHTS • Spending trends by category • Habits and cash flow diagnostics • Financial health score card • Comprehensive monthly ledger

100% PRIVATE & ON-DEVICE • No account creation or internet connection required • Your financial data stays exclusively on your device, never sent to servers • 3x3 Pattern lock or Face ID / Touch ID biometric protection • Multi-sheet Excel (.xlsx), CSV, and JSON export, with secure JSON backup/restore

ALSO FEATURING • English & Turkish language support • Multi-currency support (₺, $, €, £) • Dual themes: Obsidian Dark & Frosted Light • 100% offline functionality guarantee

For merchants and small businesses: promissory notes, customer receivables, and periodic tax obligations integrate directly into the same cash flow engine.