Question: How can I manage my cash flow in Qonto?

Answer: You can track your cash flow in your web application, by clicking on  Cash flow management  on the left hand side navigation, and then click on  Dashboard . Or on your mobile app, by tapping on the  More  section at the bottom right of your screen, and then on  Dashboard .   💡Good to know : Dashboards do not compute receivables/payables for now.   Track your cash flows at a glance Your dashboard gives a clear view of your financial flows over time. It allows you to answer questions such as: Should I diversify my customer base? Are my expenses sufficiently optimized?   The Qonto dashboard shows you: Your available balance: the available cash on your account Your cash flow: the difference between your inflows and outflows Your inflows: the list of your cash inflows Your outflows: the list of your expenses Your cash flow: the evolution of your cash inflows and outflows over time. This is where you can, for example : Know how much cash you have in your account, and whether it is reasonable to buy new equipment Observe the effect of seasonality on your business Estimate your VAT, in order to save the amount owed to tax authorities Detect expenses you could avoid   Understand your cash flows by categorizing your transactions Are you wondering which type of transportation costs you the most? Which customer you most depend on? What your main costs are? In which city you make the most profit? To find out, it is important to categorize each of your incoming and outgoing flows. Why? Because once categorized, each transaction can be identified, and filtered. If a transaction has a "Facebook Advertising" label, then it is an expense made in the context of a communications campaign on socials.   You can use different types of categorization: Custom labels If you have a Smart, Premium, Essential, Business or Enterprise plan, you can create your own custom label categories, and its associated labels. A label category could be "Transportation", with labels like "Train", "Plane" and "Taxi". If you haven't created your analytic labels categories yet, learn more  here . Categories Categories are the simplified, predefined version of labels and are available for all Qonto plans. Unlike labels, which are fully customizable and available to all plans except Basic, categories are predefined. They allow to identify transactions, with "Food" or "Insurance" for example.   👆 Good to know : Categories are automatically added to every transaction made by card. You can manually specify them when you add a beneficiary in the case of making a transfer. Finally, you can manually categorize your transactions (except subscriptions) in the  Transactions  page of your Qonto app as you go.   Thanks to the analytic labels and categories, these two graphs, the first for inflows, the second for outflows, allow you to make informed decisions. They are there to help you visualize and compare your items, for each of your categories.   Each time you categorize a new transaction, your charts update. It is best practice to categorize each new transaction to ensure that your visualization is always up to date and you can make efficient, data-driven decisions.