Qonto's Cash Flow Management feature gives you real-time visibility into your company's financial health. Your cash flow data updates continuously, helping you analyze spending patterns, forecast future balances, and make informed decisions.

The Forecast section provides a comprehensive dashboard where you can monitor expected transactions, categorize cash movements, and spot trends at a glance. You can filter by accounts, transaction types, and time periods to get exactly the view you need.

This feature is available to Owners and Admins on 💻 web and 📱 mobile for all Qonto plans.

What does the Forecast dashboard show me?

The Forecast dashboard provides an always up-to-date picture of your company's finances. You can analyze your financial flows over time and answer key business questions like:

• Spending patterns: How much am I spending on software subscriptions?
• Scenario planning: What would my cash flow look like if I hired a freelancer?
• Cash position: What's my projected balance for the end of the month?

The dashboard displays your current balance, upcoming inflows and outflows, and any overdue items. A visual chart helps you see future cash movements at a glance, while a detailed transaction list shows amounts, counterparties, and due dates.

For a deeper dive into how the Cash Flow graph works, check out this article: What does the 'Cash Flow' graph on my Forecast section represent?

What are Expected transactions?

The Expected transactions section shows all upcoming cash movements so you always know what's coming for your cash balance. This helps you stay on top of short-term cash flow and prioritize what needs attention.

Expected transactions include projections based on your Qonto activity:

• Client invoices: Outstanding invoices you've issued
• Supplier invoices: Bills you need to pay
• Scheduled transfers: Transfers you've set up in advance
• Manual entries: Transactions you've added yourself
• Predicted transactions: Automatic predictions generated by Qonto based on your regular recurring transactions

You can customize the view using three filters at the top of the page:

• Accounts: Track all accounts together or focus on specific ones
• Type of flows: View both inflows and outflows, only inflows, or only outflows
• Time period: Display transactions due in the next 30 or 90 days

How do I categorize my transactions?

Categorizing your transactions helps you understand spending patterns, identify top customers, and analyze expenses by type or location. Once categorized, every transaction can be filtered and analyzed for better financial insights.

There are three main ways to categorize your transactions:

Custom labels

Custom labels are flexible tags you create for internal tracking. For example, you might create a "Transportation" category with labels like "Train," "Plane," and "Taxi." Labels are added manually and are useful for internal reporting or adding extra context.

Categories

Categories are linked to Qonto's cash flow management and offer more automation than labels:

• Track your cash flow month by month from your dashboard
• Compare actual spending with forecasts
• Set up category rules to automatically assign transactions (for example, all Amazon income goes to "Sales Revenue")
• Customize categories with VAT rates and color coding in the Categories menu
• Create automatic sorting rules in the Rules menu

☝️ Important: Categories are direction-sensitive. Inflow categories and outflow categories are separate. If you assign an inflow category to an outgoing transaction (or vice versa), it will be counted incorrectly in your cash flow dashboard. Always match the category direction to the transaction direction.

💡 Good to know:

• Categories are automatically added to card transactions
• You can manually assign categories when adding a beneficiary during a transfer
• You can categorize most transactions manually from the Transactions page (subscriptions are excluded)

Smart categories

The Smart categories feature helps you quickly process uncategorized transactions. At the top of the Forecast page, you'll see a counter showing how many transactions remain uncategorized.

Click that button to open the Smart categories window, which groups your uncategorized transactions, suggests likely categories, and helps automate the process for future similar transactions.

What is the Rules Center?

The Rules Center automates transaction categorization using "if this, then that" logic. This gives you greater flexibility in organizing your cash flow data and ensures consistent categorization for recurring transactions.

The Rules Center works alongside the enhanced Smart categories feature to provide more accurate auto-categorization. You can create custom rules based on counterparty names, amounts, transaction types, and other criteria.

To access the Rules Center, go to Cash Flow > Rules from your Qonto dashboard.

How do I exclude transactions from my cash flow analytics?

💡 Good to know:

To keep your cash flow charts consistent across Qonto, we’re updating how internal transfers are handled. Starting from March 2026, transfers between your own accounts will no longer be automatically hidden from the Inflows and Outflows charts on the Overview page of the web app and from the Dashboard charts in the mobile app.

In case you want to exclude these transfers from these charts, you can do it in the filter settings of each chart in the web app and in Dashboard settings of the mobile app. You can also exclude these transactions from cash flow to have them hidden across all cash flow analytics.

Some transactions shouldn't be counted in your cash flow analytics—like internal transfers between your own company accounts. Excluding these keeps your cash flow data accurate.

To exclude a transaction:

1. Go to the Transactions or Forecast tab
2. Click on the transaction you want to exclude
3. Click the icon or toggle to Exclude from your cash flow data

Your excluded transactions will be added to an "Excluded transactions" category. You can restore them to your analytics at any time by following the same steps and toggling the exclusion off.

Why is my cash flow data wrong?

Sometimes the data shown in your dashboard might seem incorrect. There are a few common reasons why this can happen:

• Forgotten exclusion rules - You may have previously set rules to exclude certain transactions from your cash flow and those rules keep applying automatically. Excluded transactions become invisible in your cash flow data unless you manually include them back.
• Wrong automatic categorization - Automatic categorization can occasionally make mistakes, assigning transactions to incorrect categories. This impacts how your cash flow looks when filtered or analyzed by category. Review your categories regularly to catch any errors.
• Accidental redirection of inflows and outflows via categorization - If an outgoing transaction is assigned an inflow category (or vice versa), it will be counted in the wrong direction in your cash flow. Check that your transactions are not accidentally assigned the wrong direction through categorization.
• Internal transactions visible in your cash flow - By default, internal transactions are visible in your cash flow data. To stop seeing them, exclude them from your cash flow on the Transactions screen or via categorization rules in the Cash Flow section of the app.