This dashboard compares raw subscription cost, estimated effective cost, and a weighted “fit” score. It is designed for small businesses, freelancers, and lean teams that want to understand when Vivid is simply cheaper and when Qonto may be worth paying for.
The monetary model deliberately separates price from workflow value. Interest and cashback are monetized. Bookkeeping/team features are handled through weighted preference sliders.
Effective monthly cost = plan fee + transfer/SWIFT overages − interest benefit − cashback benefit.
Fit score is a weighted heuristic, not a fact. It models your priorities.
Qonto prices here are treated as ex-VAT by default, because that is how Qonto lists them. A toggle lets you model gross cash outlay if you want.
Vivid: Free Start / Basic / Pro = €0 / €6.90 / €18.90 base fees, free SEPA Instant, SWIFT bundles 0 / 5 / 10, cashback 0.1% / 0.2% / 0.5%, regular EUR rates 0.1% / 0.5% / 1.3%.
Qonto: Basic / Smart / Premium = €9 / €19 / €39 base fees. Transfer bundles here: 30 / 60 / 100 per month. Cashback assumed 0. Regular treasury benefit assumed 0 / 1.0% / 1.0%.
If you disagree with a transfer overage assumption, change the input. That is exactly why the tool is interactive.
| Plan | Base €/mo | SEPA included | SWIFT included | Interest €/mo | Cashback €/mo | Overage €/mo | Effective €/mo | Projected total | Fit score |
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