Cash flow management: smart tools to plan your financial future

Analysis-ready charts, multiple forecast scenarios, and real-time integration with Google sheets help you navigate your cash flow with clarity. All the insights you need to make strategic decisions for your business - when it matters most.

Open an account
Book a demo

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

4.8

WEB Icon Black Star Ratings
WEB Various G2 Badge
+600,000 companies trust Qonto
WEB UI Hero Cashflow Forecast Full Mobile
WEB Icon Black Lightning

Add-ons

New: sync your cash flow with Google Sheets

Build your cash flow forecast with formulas in Google Sheets and watch it update in Qonto in real time.

Available in the cash flow management add-on

Cash flow features at a glance

WEB Iconography Black Efficiency

Forecasts

WEB Iconography Black Transparent

Cash Compass

WEB Iconography Black Stay In Control

Categorization

WEB Iconography Black Contribution

VAT planner

A clear picture of your cash flow

  1.  Monitor your inflows and outflows to stay ahead of potential shortfalls
  2. Generate cash flow forecasts up to 4 years in the future
  3.  Import and sync external projections via Google Sheets
  4. Compare multiple forecast scenarios to choose your best next move
Open an account

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

  4. Avoid delays and missed payments with centralized and automated invoice tracking

Open an account
WEB UI Hero TopicHighlight Bento Cash flow Cash Compass

Advanced transaction categorization

  1. Spot spending trends with AI-assisted transaction categorization
  2. Apply VAT by category to simplify calculations and declarations
  3. Set up custom categories to sort your transactions with precision  
  4. Save up to 3 working days each month with tailored automations to accurately track your cash flow
Open an account
WEB UI Hero TopicHighlight Bento Cash flow Categories

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

  4. Create a dedicated sub-account to automatically set aside the VAT you'll need to pay

Open an account
WEB UI Hero TopicHighlight Bento cash flow VAT

Cash flow management: the essentials


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.

Open an account

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.
Schedule a demo

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

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

Base your decisions on reliable data.
Manage your finances with a few clicks, anywhere and anytime.

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

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.

Choose

1-month free trial

Smart

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

Compare plans in detail

Come and see it in action

WEB Icon Black Lightning ADD-ONS

Stay one step ahead of your cash flow

Visualize your financial future - spot problems and opportunities early with cash flow forecasts, plan with multi-scenario analysis, and sync your data to a connected Google Sheet for an integrated workflow.

Explore add-ons
Stay one step ahead of your cash flow
WEB DE EN Cards Bento Headline Cash flow Addon collapsed

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 

WEB Photo Testimonial Kevin Schlieper Bamboo Finance
WEB Photo Testimonial Rinse Jacobs Zazu

Try for free now

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

Open an account
See how it works

Want to find out more about cash flow management?

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.

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.  

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.