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.

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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

A clear picture of your cash flow

  •  Monitor your inflows and outflows to stay ahead of potential shortfalls
  • Generate cash flow forecasts up to 4 years in the future
  • Import and sync external projections via Google Sheets
  • Compare multiple forecast scenarios to choose your best next move
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Real-time transaction tracking

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

  • Adjust payment dates to maintain a healthy, consistent cash flow

  • Avoid delays and missed payments with centralized and automated invoice tracking

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Advanced transaction categorization

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  • Spot spending trends with AI-assisted transaction categorization
  • Apply VAT by category to simplify calculations and declarations
  • Set up custom categories to sort your transactions with precision  
  • Save up to 3 working days each month with tailored automations to accurately track your cash flow
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VAT clarity

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

  • Track your invoices and schedule payments without fear of unexpected costs

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

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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.

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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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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. 

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.

Starter

NEW


€0


For freelancers & sole traders

A free business account with the invoicing and accounting tools you need to get started.

  • 1 account with a German IBAN
  • 1 virtual card (physical card sold separately)
  • 5 transfers/month
Choose

Commitment free.

Basic

From

€9

/month (excl. VAT)


A business account with e-invoicing & accounting tools and a physical card.

  • 1 account with a German IBAN
  • 1 One Card Mastercard + 2 virtual cards
  • 30 transfers/month
Try for free

1-month trial, no commitment to buy.

Smart

Popular

From

€19

/month (excl. VAT)


A business account with direct accountant access, plus DATEV & Lexware integrations.

  • 1 account + 1 sub-account with German IBANs
  • 2 One Card Mastercards + 50 virtual cards
  • 100 transfers/month
Try for free

1-month trial, no commitment to buy.

Compare plans in detail

Do you have surplus cash?

Invest unused funds with Qonto Investments, the smart alternative to a savings account and earn up to 2% p.a. variable return (not guaranteed) + 3% p.a. new-customer bonus for your first 90 days.

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Come and see it in action

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?

Businesses of all sizes and stages can benefit from Qonto's Cash Flow Management. 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.

Cashflow management is included in the Basic, Smart, Premium, Essential, Business, and Enterprise plans, with feature availability depending on your plan. 

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.