Cash Flow Management is a 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, all without needing external financial expertise. Transactions are automatically categorized and paired with actionable insights to keep your business finances on track.
If you manage invoices on Qonto, Cash Flow Management can also help you keep track of expected payments and anticipate upcoming expenses, giving you a more complete picture of your liquidity.
You can access these features from both the web app (go to Cash Flow Management in the left navigation and select Forecast) and the mobile app (tap Menu at the bottom right and select Forecast).
How can I access these features?
Access depends on your subscription level:
- Cash Flow charts on the Overview page: Available to all users on any Qonto plan at no extra cost. You can monitor your historical transactions and review and categorize your current and past month's cash flow using the Inflows and Outflows charts on the overview screen.
- Basic Cash Flow features: Available to all users on any Qonto plan at no extra cost. Access core analytics tools including automatic and AI-powered transaction categorization, VAT calculation, cash flow charts, and a 90-day view of expected transactions.
- Advanced Cash Flow features: Available to users subscribed to the Cash Flow Management Add-on (Smart plan and above). Unlocks advanced features including cash flow forecasts up to 4 years ahead, up to 5 parallel scenarios to simulate different financial situations, upcoming transaction tracking, trend insights, and Google Sheets integration.
👉 You can access these features from both the web and mobile apps.
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.
- 📱 Rules Center and Categorization - You can create rules to automatically categorize transactions and customize category management, making it easier to monitor your spending patterns and gain a better understanding of your cash flow. Available on mobile app only.
- Smart categories - Uses AI to analyze and group your transactions, allowing you to easily review and categorize multiple transactions in just a few clicks.
- Expected transactions - You can see which transactions to expect in the next 90 days, both incoming and outgoing, based on your previous account activity.
- Everything on the Smart Plan and above.
- Scenarios - You can create up to 5 parallel forecasts to simulate different situations and plan your finances ahead. For example, you can build a positive, neutral, and negative scenario for your business to anticipate any outcome and make informed decisions.
- Cash Flow Forecast - You can get a comprehensive view of your past and future cash flows, including projected financial positions. Set your forecasts as targets or planned budgets and track how your business actually performs compared to them over time.
- Upcoming Transactions - Displays all short-term future transactions, both in a dedicated dashboard and in the transaction feed, helping to anticipate payments and receipts.
- Insights - Highlights trends in incoming and outgoing flows, providing useful analysis for business decision-making
- Google Sheets integration - a a two-way sync feature that allows you to import forecasts from Google Sheets into Qonto and automatically synchronize categorized transaction data from Qonto back to your connected Google Sheet.
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