Cash Flow Management Plus 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 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. See how it works in more detail, here.
What Cash Flow Management features are included in every Qonto plan?
All Qonto users have access to the following core Cash Flow Management features at no extra cost:
- Expected transactions - Check which transactions are projected to happen in the next 90 days, both incoming and outgoing, based on your activity on Qonto.
- Cash flow chart - A visual overview of past and current month's cash flow, with a breakdown by category.
- Manual and automatic categorization - Assign categories to your transactions manually or let Qonto categorize them automatically using default categories.
- Smart categories - An AI-powered tool that groups uncategorized transactions and suggests the right category for each, allowing you to categorize multiple transactions quickly and accurately while keeping full control.
- Categorization rules center and category management - Create "if this, then that" rules to automatically categorize transactions, and manage your categories directly from the Cash Flow section.
- VAT calculation - Estimated real-time VAT calculation based on invoices and expense categories.
What Cash Flow Management features are included in the Cash Flow Management Plus Add-On?
Subscribing to the Cash Flow Management Plus Add-On unlocks advanced forecasting and integration features:
- Forecast creation - Create forecasts manually per category, 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.
- 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.
How does the free trial for the Cash Flow Management Plus Add-On work?
When you activate the Cash Flow Management Plus Add-On, you get a 30-day free trial with immediate access to all advanced features — no charges during this period. You'll receive an email notification before the trial expires, so you always have time to decide.
After the trial, if you haven't cancelled, your subscription will automatically convert to a paid plan. You'll receive an email reminder before any charges are made, giving you the flexibility to cancel or make changes if needed.
💡 Remember: You will always receive an email reminder before any charges are made to your account, giving you time to make changes or cancel if needed.
What specific information can I see in my Cash Flow dashboard?
The Cash Flow Management Plus Add-On includes exclusive features not available in other modules (Accounts Receivable Plus, Accounts Payable Plus, or Expense & Spend Management Plus):
- 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 Plus 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 the Cash Flow Management Plus 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 Plus system?
- Real-time, accurate financial data
- Secure access to financial information
- Reliable transaction categorization
- Automated updates and reconciliation
- Compliance with financial regulations