Cash flow management: smart tools to plan your financial future

Analysis-ready charts, real-time alerts, and automatic transaction categorization help you navigate your cash flow with clarity. All the insights you need to make strategic decisions for your business - when it counts most.

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From €9/month excl. VAT. Try it free for 1 month.

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Cash flow features at a glance

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Forecasts

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Cash Compass

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Categorization

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A clear picture of your cash flow

  1. Get a comprehensive overview of past and future cash flows
  2. Monitor your inflows and outflows to stay ahead of potential shortfalls
  3. Track the performance of your forecasts with clear visual indicators
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Real-time transaction tracking

  1. See your incoming & outgoing payments at a glance without getting lost in Excel
  2. Group all your invoices, subscriptions, and withdrawals in a single dashboard

  3. Adjust payment dates to maintain a healthy, consistent cash flow

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Advanced transaction categorization

  1. Spot spending trends with automatic transaction categorization
  2. Analyze your expenses, generate reports, and optimize your budgets in a click
  3. Set up custom categories to sort your transactions with precision  
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VAT clarity

  1. Instantly see if your VAT balance is in credit or debit
  2. Get an updated estimate of the amount due after each invoice and transaction

  3. Track your invoices and schedule payments without fear of unexpected costs

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Cash flow management: the essentials


What do cash flow management tools do?

Cash flow management tools are there to help businesses monitor, analyze, and plan their financial inflows and outflows. They allow for precise tracking of past, present, and future cash flow, helping business owners make sure they have enough cash on hand and their business is financially healthy. Cash flow management also helps avoid payment bottlenecks and make smarter decisions about when and where to invest funds.

Qonto's Cash Flow Management add-on is designed to enhance your online business account with crystal-clear cash planning in real time, giving you total oversight of your business finances.

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Why should I be using cash flow management tools?

Your business finances could be benefitting from cash flow management tools in several ways:

  • Getting precise and up-to-date information about the funds that are available to you (and those that aren't!) means you stay in better control of your business finances
  • It provides the accurate financial forecasts that long-term business strategies are built on
  • Automated cash flow management tools save you time and money on data entry and analysis - and help avoid costly manual errors
And finally, if you can track all the money entering and leaving your business, you can make sure you put aside enough at the right time to honor tax payments and stay compliant.
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What cash flow management features do I need?

The best cash flow management tools offer several core features:

  • Real-time financial overviews that provide an immediate snapshot of the company's cash position
  • Detailed forecasting abilities that estimate future cash flows and simulate financial scenarios
  • Alerts for when cash flow is about to drop, so you can take proactive measures
  • Hassle-free integrations with existing accounting and ERP systems to ensure consistent data management and processing

How much do cash flow management tools cost?

Some tools out there offer free basic versions suitable for small businesses or startups. Meanwhile, advanced software can sometimes run into the hundreds or thousands of euros, especially if they include enhanced analytical tools, personalized consulting, and ongoing technical support.

Qonto's cash flow management tools are built into all our plans - Basic, Smart, Premium, Essential, Business, and Enterprise. And the full range of powerful features is available with the Cash Flow Management account add-on, helping you make smart business decisions every day.

Find the right plan

For smart business moves

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Precise

Base your decisions on reliable data.
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Simple

Manage your finances with a few clicks, anywhere and anytime.
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Clear

Track your budgets right alongside where you manage your business finances.

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Up-to-the-minute

View your expenses and income in real time in your app.

The right plan for your business

Qonto offers exactly the right plan that suits your company's size and stage. And as your business grows, you get the flexibility to adapt your plan.

Basic

Starting from

€9

/month (excl. VAT)

1 physical Mastercard card + 30 transfers & debits.

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1-month free trial

Smart

Popular

Starting from

€19

/month (excl. VAT)

1 physical Mastercard card + 60 transfers & debits

Choose

1-month free trial

Premium

Starting from

€39

/month (excl. VAT)

1 physical Mastercard card + 100 transfers & debits.

Choose

1-month free trial

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Come and see it in action

Our customers say it best

1 of 2

“Not only do we save time, but we also gain in clarity over our day-to-day operations. Qonto's cash flow management tools have now become an important component of our early risk warning system.”

Kevin Schlieper

CEO Bamboo Finance GmbH

2 of 2

“I would definitely recommend using Qonto to manage cash flow. The features are well thought out and more appealing than those of any other providers we have worked with in the past.”

Rinse Jacobs

CEO Zazu 

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Try for free now

Try Qonto free for 1 month and start managing your cash flow right alongside your business finances.

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Want to find out more about cash flow management?

Who are Qonto's cash flow management tools for?

Businesses of all sizes and stages stand to benefit from Qonto's Cash Flow Management add-on. Small and medium-sized companies particularly benefit from clear and structured cash planning, with a precise overview of inflows and outflows. This helps them see through the financial fog and make strategic business decisions based on objective data.

Can all Qonto customers use cash flow management tools?

Some cash flow management tools are available at no extra cost on all Qonto plans. For the full range of features, you can opt for the Cash Flow Management add-on. Set up your forecast and make the most of the full capabilities with a one-month free trial.  

What are the benefits of cash flow management on Qonto?

With Qonto's cash flow management offering, you get up-to-the-minute overviews of your incoming and outgoing cash, thanks to a dashboard that automatically categorizes transactions, calculates VAT payments, and creates accurate forecasts. You get a complete picture of your past, present, and future business finances, and it all becomes easier when you manage your cash flow right alongside your business banking and pre-accounting.