Cash Flow Management is dashboard and series of tools that give you complete visibility over your finances 24/7. It helps you track your real-time cash balance, analyze spending patterns, forecast upcoming cash flow, and make informed business decisions without needing external financial expertise.
These tools automatically categorize your transactions and provide actionable insights to help you keep your business finances on track.
Access your Cash Flow Management features through either the web application by clicking Cash Flow Management in the left navigation and selecting Forecast, or via the mobile app by tapping Menu at the bottom right of your screen and selecting Forecast.
Both options give you full access to your cash flow monitoring tools and insights.
How can I access these features?
Access depends on your subscription level :
- Overview access: Available to all users for basic data visualization of historic transactions
- Cash Flow section: Advanced analytics, including forecasts, performance analysis and suggestions for higher-tier subscriptions
What Cash Flow Management features are included in each plan?
Each plan offers different levels of functionality:
All core plans (Basic, Smart, Premium, Essential, Business, Enterprise):
- Cash Flow Chart - Provides a visual overview of past and present cash flow through a chart and analysis table.
- Automatic Categorization - Cash flow categories update automatically (Qonto’s default categories), making it easier to monitor income and expenses.
- Category Customization - Allows customization of cash flow categories to better track expenses and financial patterns.
- VAT Calculation - Estimated real-time VAT calculation, based on invoices and expense categories.
- Interaction with the Cash Flow Table - Allows you to view the transaction details for each selected category.
- Everything on the Smart Plan and above.
- Cash Flow Forecast - Provides a comprehensive view of past and future cash flows, displaying projected financial positions. Forecasts can be set manually, and duplicate scenarios can be created to simulate different situations.
- Upcoming Transactions - Displays all short-term future transactions, both in a dedicated dashboard and in the transaction feed, helping to anticipate payments and receipts.
- Smart Actions - Suggests practical actions to improve cash flow, such as sending reminders for incoming payments, rescheduling or postponing payments, and other recommended actions to maintain a positive cash flow.
- Automations Executed Without Approval - Allows the creation of automated rules for financial activities (e.g., moving funds between accounts, reserving funds for upcoming expenses such as taxes or salaries), which are automatically initiated and processed without the need for manual approval.
- 📱 Rules Center and Categorization - Enables the creation of rules to automatically categorize transactions and customize category management, making it easier to monitor spending patterns and gain a better understanding of cash flow. Only on mobile app.
- Insights - Highlights trends in incoming and outgoing flows, providing useful analysis for business decision-making
- Excel Plugin - Automatic synchronization with the client’s Excel sheet for integrated financial data management.
How does the automatic transaction categorization work?
- Automatically categorizes transactions into predefined groups (Travel, Taxes, etc.)
- Updates categories for past, present, and future payments
- Allows you to customize categories and tags for your specific business needs
- Handles about 60% of transactions automatically through recurring payment detection
What kind of alerts and notifications can I receive?
- Real-time notifications for significant spending changes
- Alerts when cash balance falls below certain thresholds
- Notifications for unexpected cash flow patterns
- Alerts for notable spending trends in specific categories
- Daily or periodic balance updates (customizable)
What forecasting capabilities are available?
The forecasting feature will allow you to :
- Create forecasts of future income and expenses
- Anticipate upcoming transactions and needs
- Build different cash flow scenarios
- Identify potential cash flow issues in advance
- Make data-driven financial decisions
How can Cash Flow Management help me save time?
- Automatic transaction categorization
- Real-time banking data
- Automated spending pattern detection
- Instant access to financial insights without manual calculation
- Flash forecast creation based on your historical spending data
- Data exports with your automatically categorized transaction history
Can I customize the Cash Flow Management features for my specific needs?
Yes, you can personalize several aspects :
- Create and modify transaction categories
- Setup custom rules for automatic transaction categorization
- Customize notification preferences
- Adjust reporting periods and views
How secure and reliable is the Cash Flow Management system?
- Real-time, accurate financial data
- Secure access to financial information
- Reliable transaction categorization
- Automated updates and reconciliation
- Compliance with financial regulations