The present study provides a relatively simple and accurate analytical model for the prediction of time-dependent stresses and curvatures of cracked R.C. sections under working loads. A more simplified solution is also provided. The proposed models are demonstrated by considering a numerical example and conducting a parametric study on the effects of relevant R.C. design parameters. In contrary to tension reinforcement, the compression reinforcement is found to contribute significantly in reducing tensile stresses in tension steel and in reducing the total section curvatures. The good accuracy of the proposed approximate solution opens a new vision towards a simple yet accurate model for the prediction of time-dependent effects in R.C. structures.