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 :
- Dashboard access: Available to all users for basic data visualization of historic transactions
- Home screen features: Core functionalities accessible from the main interface
- Insights section: Advanced analytics and suggestions for higher-tier subscriptions
- Full cash flow product: Complete suite of tools for comprehensive financial tracking and planningāincluding forecasts and performance analysis
What Cash Flow Management features are included in each plan?
Each plan offers different levels of functionality:
Basic Plan:
- Historical cash flow analysis with ready-to-use charts
- Auto-categorization with Qonto default categories
Smart Plan and above (Smart, Premium, Essential, Business, Enterprise):
- Everything in Basic, plus:
- Customizable category management
- Real-time VAT calculation and updates
- Interactive cash flow table with detailed transaction views
- Ability to track spending patterns
- Full customization of cash flow categories
Cash Flow Management Add On
- Everything on the Smart Plan and above plus:
- Cash flow forecasting
- Flash forecast using Qonto Intelligence or CSV upload to import your Excel forecast into Qonto
- Access to Cash compass where you can track upcoming client invoices, subscriptions, SDD, and supplier payments and take action to optimize your cash flow from one dashboard.
All plans include historical analysis and automatic categorization, but for advanced features like VAT calculation, interactive tables, and custom categories, you will need Smart plan or higher. The Basic plan provides essential cash flow monitoring tools, while higher tiers offer more sophisticated analysis and customization options.
How does the free trial for the Cash Flow Management Add On work?
When you activate Cash Flow Management, you get:
- A 30-day free trial with access to all features
- No charges during the trial period
- Email notifications before trial expiration
- Automatic transition to paid subscription after trial
After your trial period:
- Your subscription will automatically convert to a paid plan if you don't cancel
- You will receive email reminders before any charges
- You can cancel anytime during the trial to avoid charges
- The same billing process applies to future renewals
š” 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 Add On includes exclusive features not available in other modules (Accounts Receivable, Accounts Payable, or Expense & Spend Management):
- Complete view of past and future cash flows
- Projected financial positions
- Visibility on upcoming transactions
- Dashboard showing future client invoices, subscriptions, and supplier payments
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)
How can I use the insights feature 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 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
- Pre-configured financial reports
- 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
- Set up custom alert thresholds
- Define specific budget targets
- 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