# Statement Engine

Statement Engine is a web application for creating linked three-statement forecasts from opening balance sheet data and journal-style transactions.

Primary site: https://statement-engine.com/

## What The Product Does

- Builds linked PL, BS, and CF forecasts in the browser.
- Uses opening balance sheet data, trial balance CSV import, and future transaction rules.
- Supports revenue, expenses, payroll, capex, loan draw, debt repayment, tax payment, and journal templates.
- Lets users review forecasts on the web for free.
- Exports a formula-linked Excel workbook as a paid output when enabled.

## Important Pages

- Home and tool: https://statement-engine.com/
- English page: https://statement-engine.com/en
- About: https://statement-engine.com/about
- Support and issue reporting: https://statement-engine.com/support
- HTML site index: https://statement-engine.com/site-index
- IndexNow key: https://statement-engine.com/a4f6c2d91e4b4a6d8c7f0b2e5a9c3d10.txt
- Trust and methodology: https://statement-engine.com/transparency
- Calculation methodology: https://statement-engine.com/methodology
- Public changelog and verification log: https://statement-engine.com/changelog
- Security and data handling: https://statement-engine.com/security
- Validation log: https://statement-engine.com/validation-log
- Quality review policy: https://statement-engine.com/quality-review-policy
- Editorial policy and corrections: https://statement-engine.com/editorial-policy
- Search discovery log: https://statement-engine.com/search-discovery-log
- Release evidence: https://statement-engine.com/release-evidence
- FAQ: https://statement-engine.com/faq
- Guide index: https://statement-engine.com/guides
- Journal template coverage: https://statement-engine.com/journal-template-coverage
- Forecast glossary: https://statement-engine.com/glossary
- Trial balance to forecast: https://statement-engine.com/guide/en/trial-balance-to-three-statement-forecast
- Cash flow forecast with lag: https://statement-engine.com/guide/en/cash-flow-forecast-with-collection-payment-lag
- DCF forecast assumptions: https://statement-engine.com/guide/en/three-statement-forecast-for-dcf-assumptions
- Loan draw and debt repayment forecast: https://statement-engine.com/guide/en/loan-draw-and-debt-repayment-forecast
- Capex and depreciation forecast: https://statement-engine.com/guide/en/capex-and-depreciation-forecast-in-three-statements
- Startup cash runway forecast: https://statement-engine.com/guide/en/startup-cash-runway-forecast-with-pl-bs-cf
- COGS, inventory, and working capital forecast: https://statement-engine.com/guide/en/cogs-inventory-and-working-capital-forecast
- Bank loan covenant and DSCR forecast: https://statement-engine.com/guide/en/bank-loan-covenant-dscr-forecast
- VAT and sales tax cash flow forecast: https://statement-engine.com/guide/en/vat-sales-tax-cash-flow-forecast
- SaaS deferred revenue and MRR forecast: https://statement-engine.com/guide/en/saas-deferred-revenue-and-mrr-forecast
- Payroll withholding and social insurance forecast: https://statement-engine.com/guide/en/payroll-withholding-and-social-insurance-forecast
- Grant and subsidy cash flow forecast: https://statement-engine.com/guide/en/grant-subsidy-cash-flow-forecast
- Lease liability and right-of-use asset forecast: https://statement-engine.com/guide/en/lease-liability-right-of-use-asset-forecast
- Acquisition goodwill and PPA forecast: https://statement-engine.com/guide/en/acquisition-goodwill-ppa-forecast
- Equity financing and share issuance forecast: https://statement-engine.com/guide/en/equity-financing-share-issuance-forecast
- Deferred tax and temporary difference forecast: https://statement-engine.com/guide/en/deferred-tax-temporary-difference-forecast
- Asset retirement obligation forecast: https://statement-engine.com/guide/en/asset-retirement-obligation-forecast
- Bond issuance and redemption forecast: https://statement-engine.com/guide/en/bond-issuance-redemption-forecast
- Securities and derivatives forecast: https://statement-engine.com/guide/en/securities-derivatives-forecast
- Warranty and restructuring provision forecast: https://statement-engine.com/guide/en/provision-warranty-restructuring-forecast
- Retirement benefit obligation forecast: https://statement-engine.com/guide/en/retirement-benefit-obligation-forecast
- Bad debt allowance forecast: https://statement-engine.com/guide/en/bad-debt-allowance-forecast
- Foreign currency and FX revaluation forecast: https://statement-engine.com/guide/en/foreign-currency-fx-revaluation-forecast
- Intercompany elimination and consolidation forecast: https://statement-engine.com/guide/en/intercompany-elimination-consolidation-forecast
- Formula-linked Excel output: https://statement-engine.com/guide/en/formula-linked-excel-output-for-financial-forecast
- Trial balance CSV format: https://statement-engine.com/guide/en/trial-balance-csv-format-for-forecast-import
- Account mapping for forecasts: https://statement-engine.com/guide/en/account-mapping-for-three-statement-forecast
- Bank submission forecast checklist: https://statement-engine.com/guide/en/bank-submission-three-statement-forecast
- Restaurant cash flow forecast: https://statement-engine.com/guide/en/restaurant-cash-flow-three-statement-forecast
- Ecommerce inventory cash flow forecast: https://statement-engine.com/guide/en/ecommerce-inventory-cash-flow-forecast
- Construction project cash flow forecast: https://statement-engine.com/guide/en/construction-project-cash-flow-forecast
- Dental clinic cash flow forecast: https://statement-engine.com/guide/en/dental-clinic-cash-flow-forecast
- Beauty salon cash flow forecast: https://statement-engine.com/guide/en/beauty-salon-cash-flow-forecast
- Real estate rental cash flow forecast: https://statement-engine.com/guide/en/real-estate-rental-cash-flow-forecast
- Manufacturing inventory cash flow forecast: https://statement-engine.com/guide/en/manufacturing-inventory-cash-flow-forecast
- Consulting project AR cash flow forecast: https://statement-engine.com/guide/en/consulting-project-ar-cash-flow-forecast
- Restaurant cash shortfall forecast: https://statement-engine.com/guide/en/restaurant-cash-shortfall-forecast
- Construction bank submission cash flow forecast: https://statement-engine.com/guide/en/construction-bank-submission-cash-flow-forecast
- Ecommerce no-Excel inventory cash flow forecast: https://statement-engine.com/guide/en/ecommerce-no-excel-inventory-cash-flow-forecast
- Clinic equipment loan bank forecast: https://statement-engine.com/guide/en/clinic-equipment-loan-bank-forecast
- Manufacturing inventory cash shortfall forecast: https://statement-engine.com/guide/en/manufacturing-inventory-cash-shortfall-forecast
- Trial balance import balance sheet does not balance: https://statement-engine.com/guide/en/trial-balance-import-balance-sheet-not-balance
- Excel output before bank submission checklist: https://statement-engine.com/guide/en/excel-output-before-bank-submission-checklist
- Account sign mapping cash flow mistake: https://statement-engine.com/guide/en/account-sign-mapping-cash-flow-mistake
- Opening balance sheet reset for forecast review: https://statement-engine.com/guide/en/opening-balance-sheet-reset-forecast
- Negative cash balance forecast causes: https://statement-engine.com/guide/en/negative-cash-balance-forecast-causes
- Loan repayment not reflected in cash flow forecast: https://statement-engine.com/guide/en/loan-repayment-not-reflected-cash-flow-forecast
- Depreciation expense is not a cash outflow in forecasts: https://statement-engine.com/guide/en/depreciation-expense-cash-flow-forecast-not-cash-outflow
- Accounts receivable collection lag cash flow forecast: https://statement-engine.com/guide/en/accounts-receivable-collection-lag-cash-flow-forecast
- Inventory purchase cash flow forecast and stock increase: https://statement-engine.com/guide/en/inventory-purchase-cash-flow-forecast-stock-increase
- Free web forecast and paid Excel output for bank submission: https://statement-engine.com/guide/en/free-web-forecast-paid-excel-bank-submission
- Free financial forecast without Excel: https://statement-engine.com/guide/en/free-financial-forecast-without-excel
- Small business monthly cash flow forecast: https://statement-engine.com/guide/en/small-business-monthly-cash-flow-forecast
- Financial forecast for non-accountants: https://statement-engine.com/guide/en/financial-forecast-for-non-accountants
- Validate before export: https://statement-engine.com/guide/en/how-to-validate-forecast-before-export
- Balance sheet mismatch: https://statement-engine.com/guide/en/why-balance-sheet-does-not-balance-in-forecast
- Journal-driven forecast vs Excel template: https://statement-engine.com/guide/en/journal-driven-forecast-vs-excel-template

## Japanese Pages

- 無料で3表予測を作る手順: https://statement-engine.com/guide/ja/how-to-build-3-statement-forecast
- 試算表から3表予測を始める方法: https://statement-engine.com/guide/ja/trial-balance-to-three-statement-forecast
- 入金サイト・支払サイトを使った資金繰り予測: https://statement-engine.com/guide/ja/cash-flow-forecast-with-collection-payment-lag
- DCF用の3表予測を作る前提整理: https://statement-engine.com/guide/ja/three-statement-forecast-for-dcf-assumptions
- 借入・返済を含む3表予測: https://statement-engine.com/guide/ja/loan-draw-and-debt-repayment-forecast
- 設備投資・減価償却を含む3表予測: https://statement-engine.com/guide/ja/capex-and-depreciation-forecast-in-three-statements
- スタートアップの資金繰り・ランウェイ予測: https://statement-engine.com/guide/ja/startup-cash-runway-forecast-with-pl-bs-cf
- 売上原価・在庫・運転資金の3表予測: https://statement-engine.com/guide/ja/cogs-inventory-and-working-capital-forecast
- 融資・返済余力・DSCRの3表予測: https://statement-engine.com/guide/ja/bank-loan-covenant-dscr-forecast
- 消費税納付・還付の資金繰り予測: https://statement-engine.com/guide/ja/consumption-tax-cash-flow-forecast
- SaaS前受収益・MRR・ARRの3表予測: https://statement-engine.com/guide/ja/saas-deferred-revenue-and-mrr-forecast
- 給与・源泉所得税・社会保険料の資金繰り予測: https://statement-engine.com/guide/ja/payroll-withholding-and-social-insurance-forecast
- 補助金・助成金の入金と資金繰り予測: https://statement-engine.com/guide/ja/grant-subsidy-cash-flow-forecast
- リース負債・使用権資産の3表予測: https://statement-engine.com/guide/ja/lease-liability-right-of-use-asset-forecast
- 買収・のれん・PPAの3表予測: https://statement-engine.com/guide/ja/acquisition-goodwill-ppa-forecast
- 増資・新株発行・ストックオプションの3表予測: https://statement-engine.com/guide/ja/equity-financing-share-issuance-forecast
- 税効果・一時差異・繰延税金の3表予測: https://statement-engine.com/guide/ja/deferred-tax-temporary-difference-forecast
- 資産除去債務・利息費用・履行支払の3表予測: https://statement-engine.com/guide/ja/asset-retirement-obligation-forecast
- 社債発行・社債利息・償還の3表予測: https://statement-engine.com/guide/ja/bond-issuance-redemption-forecast
- 有価証券・デリバティブ・繰延ヘッジの3表予測: https://statement-engine.com/guide/ja/securities-derivatives-forecast
- 製品保証引当金・事業再編引当金の3表予測: https://statement-engine.com/guide/ja/provision-warranty-restructuring-forecast
- 退職給付債務・退職給付費用の3表予測: https://statement-engine.com/guide/ja/retirement-benefit-obligation-forecast
- 貸倒引当金・貸倒損失の3表予測: https://statement-engine.com/guide/ja/bad-debt-allowance-forecast
- 外貨建取引・為替差損益の3表予測: https://statement-engine.com/guide/ja/foreign-currency-fx-revaluation-forecast
- 連結消去・親子間取引の3表予測: https://statement-engine.com/guide/ja/intercompany-elimination-consolidation-forecast
- 数式付きExcel出力: https://statement-engine.com/guide/ja/formula-linked-excel-output-for-financial-forecast
- 開始TB CSVフォーマット: https://statement-engine.com/guide/ja/trial-balance-csv-format-for-forecast-import
- 3表予測の勘定科目マッピング: https://statement-engine.com/guide/ja/account-mapping-for-three-statement-forecast
- 銀行提出用の3表予測チェックリスト: https://statement-engine.com/guide/ja/bank-submission-three-statement-forecast
- 飲食店の資金繰り予測: https://statement-engine.com/guide/ja/restaurant-cash-flow-three-statement-forecast
- EC在庫と資金繰りの3表予測: https://statement-engine.com/guide/ja/ecommerce-inventory-cash-flow-forecast
- 建設業の工事別資金繰り予測: https://statement-engine.com/guide/ja/construction-project-cash-flow-forecast
- クリニック・歯科医院の資金繰り予測: https://statement-engine.com/guide/ja/dental-clinic-cash-flow-forecast
- 美容室・サロンの資金繰り予測: https://statement-engine.com/guide/ja/beauty-salon-cash-flow-forecast
- 不動産賃貸の資金繰り予測: https://statement-engine.com/guide/ja/real-estate-rental-cash-flow-forecast
- 製造業の在庫・資金繰り予測: https://statement-engine.com/guide/ja/manufacturing-inventory-cash-flow-forecast
- 受託・コンサルの売掛金資金繰り予測: https://statement-engine.com/guide/ja/consulting-project-ar-cash-flow-forecast
- 飲食店の資金ショート予測: https://statement-engine.com/guide/ja/restaurant-cash-shortfall-forecast
- 建設業の銀行提出用資金繰り予測: https://statement-engine.com/guide/ja/construction-bank-submission-cash-flow-forecast
- ECのExcelなし在庫資金繰り予測: https://statement-engine.com/guide/ja/ecommerce-no-excel-inventory-cash-flow-forecast
- クリニックの設備借入・銀行提出予測: https://statement-engine.com/guide/ja/clinic-equipment-loan-bank-forecast
- 製造業の在庫資金ショート予測: https://statement-engine.com/guide/ja/manufacturing-inventory-cash-shortfall-forecast
- 開始TB取込後にBSが合わないとき: https://statement-engine.com/guide/ja/trial-balance-import-balance-sheet-not-balance
- 銀行提出前のExcel出力チェックリスト: https://statement-engine.com/guide/ja/excel-output-before-bank-submission-checklist
- 勘定科目の符号ミスと資金繰り予測: https://statement-engine.com/guide/ja/account-sign-mapping-cash-flow-mistake
- 開始BSを初期化して予測を見直すとき: https://statement-engine.com/guide/ja/opening-balance-sheet-reset-forecast
- 予測キャッシュ残高がマイナスになる原因: https://statement-engine.com/guide/ja/negative-cash-balance-forecast-causes
- 借入返済がキャッシュフロー予測に反映されないとき: https://statement-engine.com/guide/ja/loan-repayment-not-reflected-cash-flow-forecast
- 減価償却費でキャッシュは直接減らない予測の見方: https://statement-engine.com/guide/ja/depreciation-expense-cash-flow-forecast-not-cash-outflow
- 売掛金の回収サイトで資金繰り予測がずれるとき: https://statement-engine.com/guide/ja/accounts-receivable-collection-lag-cash-flow-forecast
- 在庫仕入でキャッシュが減る資金繰り予測: https://statement-engine.com/guide/ja/inventory-purchase-cash-flow-forecast-stock-increase
- 無料Web予測と銀行提出向けExcel出力の使い分け: https://statement-engine.com/guide/ja/free-web-forecast-paid-excel-bank-submission
- Excelなしで無料の財務予測: https://statement-engine.com/guide/ja/free-financial-forecast-without-excel
- 中小企業の月次資金繰り予測: https://statement-engine.com/guide/ja/small-business-monthly-cash-flow-forecast
- 会計に詳しくない人向けの財務予測: https://statement-engine.com/guide/ja/financial-forecast-for-non-accountants
- エクセル出力前の検証チェックリスト: https://statement-engine.com/guide/ja/how-to-validate-forecast-before-export
- 3表予測でBSが合わないとき: https://statement-engine.com/guide/ja/why-balance-sheet-does-not-balance-in-forecast

## Pricing Boundary

- Web forecast review: free.
- Formula-linked Excel output: paid output, or reward-unlocked when configured.

## Trust Boundary

- Statement Engine is not accounting, tax, investment, legal, financing, or audit advice.
- Forecast inputs are processed for calculation, import, roll-forward, issue reporting, and Excel output.
- The service currently does not provide user accounts or server-side scenario storage by default.
- Users should review opening balances, transaction timing, Checks tab results, and account-level outputs before external sharing.
- The public changelog lists major SEO, trust, methodology, and verification updates.
- The validation log summarizes release checks, route checks, SEO coverage checks, and known limitations.
- The quality review policy explains what is reviewed before publication and what remains the user's responsibility.
- The editorial policy explains how guide content is reviewed, corrected, and bounded from professional advice.
- The search discovery log records sitemap, robots, llms.txt, and IndexNow discovery updates without claiming ranking guarantees.
- The release evidence page summarizes test, SEO coverage, route, production smoke, and IndexNow evidence boundaries.
- The security page summarizes the account boundary, calculation API scope, feedback limits, external scripts, and recommended user precautions.
- The support page describes compact API-based issue reporting for suspected journal, mapping, import, calculation, and Excel output issues without publishing a public email address.
- The XML sitemap includes `lastmod` values, and `scripts/submit_indexnow.py` can submit listed URLs to IndexNow after deployment.