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Financial plan: configuration
Financial plan: configuration

Configure how Holded creates Cashflow goals automatically

Héctor Emperador avatar
Written by Héctor Emperador
Updated this week

Configure deadlines, type, and regime of VAT and payrolls

When you set a goal in the Targets view, a corresponding projection is automatically created in the Cashflow view. This automation process facilitates cash management by reflecting the financial targets you set.

Holded uses a number of key parameters to perform this automatic calculation, based on:

  • VAT regime: monthly or quarterly.

  • Payment and collection deadlines: defined according to your policies

  • Personal Income Tax (IRPF) and Social Security (SS) %: Applied to employee payrolls.

These parameters directly affect Cashflow objectives and are fully customizable. You can configure income, expenses and payroll parameters by following these steps:

  1. Go to the three dots (⋮) button at the top right and click "Settings".​

  2. Go to the "Billing" tab.​

  3. Choose, using the drop-down menus, for the income accounts:​

    • Collection period: same day of billing, 7 days, 14 days, 1 month, 2 months.

    • Sales VAT: VAT not defined, VAT 21%, VAT 10%, VAT 7.5%, VAT 5%, VAT 4%, VAT 2%, VAT 0%.​

  4. Now do the same for the expense accounts:​

    • Payment term: same day of billing, 7 days, 14 days, 1 month, 2 months.

    • VAT on purchases: VAT not defined, VAT 21%, VAT 10%, VAT 7.5%, VAT 5%, VAT 4%, VAT 2%, VAT 0%.

  5. Next, define the VAT regime (monthly or quarterly).​

  6. Now go to the "Payrolls" tab.​

  7. Configure the personal income tax using the drop-down menus: the filing period, its percentage, and the accounting account.​

  8. Finally, configure the percentage and accounting account for the social security of employees:​

  9. Click "Save".


Configure your goals and cashflow by accounting account

If you want a certain accounting account to behave differently, or you prefer to give it a different configuration than the general one, you can do it this way:

  1. Set the general settings for your plan, defined in steps 1 to 4 of the previous section, then click "Define by accounting account".​

  2. Use the drop-down menus to select a specific accounting account, maturity date, and VAT rate.​


    ☝🏼 Use the "+ Add account" button to add additional lines, or the trash button to delete them.​

  3. Click on the arrow, in top left, to return to the general settings; or on the "X", in the upper right corner, to finalize the stage configuration.​

Finally, keep in mind that:

  • The specific configuration of a ledger account will take priority over the general configuration.

  • Only income and expense-type accounting accounts (7 and 6) may have a configuration, both general and specific.

  • Income or expense accounts not specifically configured will behave according to the general configuration.

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