Comparison
Qonto is your bank. Freelance Budget is your cockpit.
Qonto is the excellent pro neobank for freelancers and SMBs. Freelance Budget is a financial piloting tool that complements Qonto by importing your statement and projecting 12 months ahead. The two work great together.
TL;DR
- Qonto = premium pro bank account (transfers, cards, invoices). Freelance Budget = 12-month treasury piloting + projections.
- Qonto has basic integrated bookkeeping. Freelance Budget goes further on projection, scenarios, health score.
- Qonto charges ~€9-29/month depending on plan. Freelance Budget: €99/year excl. VAT (~€8/month).
- Typical case: Qonto for the bank, Freelance Budget for piloting. You import your Qonto CSV once a month.
Side by side
Comparison
Freelance Budget
Qonto
Pro bank account
Qonto: European reference, cards, dedicated IBAN
Mission tracking (day rate, calendar)
12-month treasury projection
Health score & runway
What-if scenarios
Shareable client calendar
Multi-entity
Qonto: one account per entity, no consolidation
Mileage tracking
Bank CSV/OFX import
Qonto exports CSV/OFX/QIF
Price
€99/year excl. VAT (~€8/month)
€9-29/month
When to choose Qonto
Qonto
You need a full pro bank account: SEPA/SWIFT transfers, cards, sub-accounts. Qonto is the European reference — and it does what Freelance Budget doesn't (= banking).
Freelance Budget
You already have Qonto and you want the piloting layer on top. Freelance Budget imports your monthly CSV and projects cashflow 12 months ahead — Qonto doesn't. Complementary, not competitive.