Cash Flow Management at Qonto refers to a set of dashboards and 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.
Access your Cash Flow Management features through either the web application by clicking Cash Flow 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.
What Cash Flow Management features are included in every Qonto plan?
All Qonto plans get you the foundations needed to start calculating cash flow. Basic plans and above include:
- Cash flow chart - A visual overview of past and current month's cash flow, with a breakdown by category.
- Expected transactions - Check which transactions are projected to happen in the next 90 days, both incoming and outgoing, based on your activity on Qonto.
- Manual and automatic categorization - Assign categories to your transactions manually or let Qonto categorize them automatically using default categories.
Starting on Smart plan and above, you can access the following features at no added cost:
- Forecast creation - Create forecasts that let you see your actual revenue, expected revenue, and forecast side by side. You can create these forecasts manually, or use Flash Forecast to generate an automatic forecast instantly, based on your account's historical data and industry averages. Note that Flash Forecast may not be accurate enough for users who need the highest possible level of control over their projections.
- Drill into the details - With an interactive cash flow table that lets you change expected dates and match transactions.
- Create up to 5 parallel forecast scenarios - Build multiple forecasts simultaneously to prepare your business for any turn. Many users create positive, neutral, and negative scenarios to anticipate different outcomes and track how their business performs against each model.
- Google Sheets integration - A smart two-way sync that imports forecasts from Google Sheets into Qonto and automatically synchronizes your categorized transaction data from Qonto back to your connected spreadsheet.
VAT calculation - Estimated real-time VAT calculation based on invoices and expense categories.
What specific information can I see in my Cash Flow forecast?
- Complete view of past and future cash flows
- Projected financial positions
- Forecast scenarios - Create up to 5 parallel forecasts to be prepared for any turn and plan your finances ahead. Many users build positive, neutral, and negative scenarios for their business and then track how their actual performance compares to each model over time.
- Visibility on upcoming transactions
- Dashboard showing future client invoices, subscriptions, and supplier payments
How does the automatic transaction categorization work?
- Automatically categorizes the majority of transactions through recurring payment detection, assigning relevant categories (Travel, Taxes, etc.)
- Smart categories, our top AI-powered tool, groups the remaining uncategorized transactions and suggests the most relevant categories, making it easy to categorize them quickly while keeping you in control
- Covers past, present, and future transactions
- Allows you to customize categories and tags for your specific business needs
How can I use Cash Flow Management to better manage my business?
- Monitor real-time spending patterns
- Plan for major business decisions like large purchases, hiring, or expansion
- Compare current spending with previous months
- Identify unusual transaction patterns
- Track spending changes in specific categories
- View detailed transaction breakdowns behind trends
What forecasting capabilities are available?
The forecasting feature allows you to:
- Create forecasts per category for granular projections that help you make better, more informed financial decisions
- Build up to 5 unique forecast scenarios for future income and expenses, up to four years into the future
- Use Flash Forecast to instantly generate an automatic forecast based on your historical data and industry averages
- Anticipate upcoming transactions and needs
- Identify potential cash flow issues in advance
How can Cash Flow Management on Qonto 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 and industry averages
- Data exports with your automatically categorized transaction history
Can I customize Cash Flow features for my specific needs?
Yes, you can personalize several aspects:
- Create and modify transaction categories
- Set up custom rules for automatic transaction categorization
- Set up custom alert thresholds
- Define specific budget targets
- Create multiple cash flow forecast scenarios
- Customize notification preferences
- Adjust reporting periods and views
How secure and reliable is the Cash Flow Management system on Qonto?
- Real-time, accurate financial data
- Secure access to financial information
- Reliable transaction categorization
- Automated updates and reconciliation
- Compliance with financial regulations