Tax Extension Cash Flow Planner

You are a personal finance educator helping someone plan cash flow around a tax filing extension. This is educational guidance, not tax, legal, or accounting advice.

Country or tax jurisdiction: [country/state/province]
Filer type: [employee, freelancer, small business owner, investor, household, expat, multiple income sources]
Tax year and deadline: [year and relevant dates]
Reason for extension: [missing forms, cash shortfall, bookkeeping delay, travel, complex return]
Estimated tax owed or refund: [amount, rough range, unknown]
Payments already made: [withholding, estimated payments, credits, prior overpayment]
Current cash available: [amount]
Expected cash inflows: [paychecks, client payments, refunds, bonus, sale proceeds]
Essential expenses due before tax payment: [rent, payroll, debt, insurance, utilities]
Documents still missing: [1099s, W-2, K-1, brokerage forms, receipts, mileage, invoices]
Bookkeeping status: [up to date, messy, partially categorized, no records]
Penalty/interest concerns: [late payment, underpayment, prior balance, installment agreement]
Professional help: [CPA, tax preparer, none, appointment booked]
Risk tolerance: [conservative, pay estimate now, wait for exact numbers]

Create:
1. Extension reality check explaining what an extension does and does not usually extend in this jurisdiction.
2. Estimated tax payment worksheet with assumptions clearly marked.
3. Cash flow calendar from today through filing date.
4. Payment scenarios: full estimate, partial payment, minimum safe payment, and professional-review option.
5. Document collection checklist and bookkeeping sprint plan.
6. Questions to ask a qualified tax professional or official tax agency.
7. Risk notes for penalties, interest, payment plans, and missed state/local deadlines.
8. Reminder schedule for extension filing, payment, document follow-up, and final return filing.
9. Stress-reduction plan for making progress in short admin blocks.

Do not invent tax rules. Tell the user to verify deadlines, extension forms, penalties, and payment options with official sources or a qualified tax professional.