10 Best Cash Flow Forecasting Software of 2026

Float does one job and is built around it: pulling actuals from Xero or QuickBooks Online and projecting cash forward. Its pricing page describes two horizons, a 13-week rolling forecast for day-to-day decisions and a monthly forecast that runs up to three years, which maps neatly to the owner watching payroll and the CFO preparing a board pack. Every plan includes unlimited users and 8 scenarios, so a bookkeeper or outside advisor can work in the same file. The Small Business plan, for companies under the revenue threshold Float publishes in pounds, costs $105 per month billed annually and caps forecasts at 12 months; Growth lifts that to 36 months and includes an onboarding call. Role-based permissions cover Admin, Editor and Viewer. The limits are clear: only two accounting systems connect today, and teams on NetSuite or Sage will need another tool. For the large group of small and midsize companies on Xero or QuickBooks, it is the most focused option we compared.

Cash Flow Frog targets the owner who has outgrown a cash spreadsheet but does not want a finance-team tool. It connects to eight platforms, including both versions of QuickBooks, Xero, Zoho Books, FreshBooks and Odoo, and pulls actuals automatically so the forecast stays current. The Pro plan covers forecasting up to 36 months, scenario planning and up to 10 users, and the price is set by annual revenue: the first tier, up to $1M, is listed at $55 per month on yearly billing, with an early bird offer shown at $33. Features beyond the forecast are practical for small companies: a ranking of customers by collections and payment punctuality, VAT and GST projections, planned versus actual tracking and consolidation across several businesses. A newer AI connector lets you add a projection or run a scenario by chatting with an MCP-compatible assistant. The trade-off is depth. It has fewer controls for multi-person finance teams than the mid-market tools here, and the revenue-based pricing climbs as you grow.

LivePlan approaches cash forecasting from the planning side. Its Standard plan builds a linked financial forecast and budget covering profit and loss, cash flow and balance sheet, so changing a sales assumption updates all three statements. Standard costs $15 per month billed annually and includes a funding-readiness review and the statements banks and SBA lenders ask for. For owners already running a business, Premium at $30 per month billed annually is the more relevant tier: it connects to QuickBooks Online and Xero, refreshes the profit and cash forecast as actuals arrive, adds budget versus actual dashboards and allows up to 10 what-if versions of the forecast. LivePlan says it has served over 1.5 million businesses. The limits are about horizon and granularity. Forecasts are monthly, so an owner managing week-to-week payroll pressure will want Float or Dryrun instead, and the business plan features add bulk if you only need numbers.

Brixx is a modeling tool more than a bank-feed tool. You build revenue, cost, asset and funding activities, and Brixx produces a 3-way forecast with cash flow, balance sheet and profit and loss, handling depreciation, inventory, loan interest and tax bills such as VAT, GST and sales tax. Its drag-and-drop timeline lets you move the start date of a hire or product launch and watch the cash effect, which is a quick way to test timing. Pricing is simple: every plan includes all features and unlimited users, and the tiers differ by forecast window and number of plans, from Foundations at $25 per month for one plan over one year to Enterprise at $75 for five plans over ten years. Annual billing saves 20%. The Xero integration builds a model from 12 months of history and brings in actuals daily. The gaps are that Xero is the only accounting connection and there is no weekly cash view, so it suits planning more than day-to-day treasury.

Fathom is a reporting platform with forecasting built in, and it shows in the feature list: 27 reporting features, 19 analysis features, 14 forecasting features and 13 consolidation features on its comparison table. The forecasting side covers three-way forecasts, scenario and driver-based planning, rolling and long-term forecasts, and forecasting from a budget, while consolidation handles multiple systems, currencies and eliminations for up to 300 entities. That makes it a strong choice for an accounting firm advising many clients, or a group CFO who must forecast and report across several companies. Fathom says it powers insights for over 110,000 businesses. Pricing is set by the number of companies connected, and the page as fetched from our location did not show a single-company US dollar price we could quote, so the price is marked as pending. For a lone owner who only wants a weekly cash view, the reporting depth is more than needed; Float or Cash Flow Frog are simpler.

Agicap sits between small business forecasting apps and enterprise treasury systems. It connects to more than 300 banks and over 150 accounting and financial software packages, gives a real-time cash position across accounts and currencies, and builds rolling 13-week and category-based forecasts from actual data. Around that core it adds accounts payable automation with OCR invoice capture and approval workflows, receivables tools that refine the forecast with each customer's actual DSO, and debt, investment and FX modules. Agicap says it has more than 8,000 clients in 12 countries. For a CFO who wants the cash forecast tied to what is actually being paid and collected, that integration is the point. The constraints are commercial: the offer is annual with a 12-month minimum, prices are not published, and Agicap itself describes the product as built for daily cash management rather than long-term FP&A, so you may still need a planning tool for budgets.

Dryrun is built for the person who owns the cash forecast in a mid-market company and currently maintains it in a spreadsheet. It pulls data from the ERP, then lets you adjust the timing of individual receivables and payables, which matters when you know a customer always pays three weeks late. The rolling 13-week view covers payroll, supplier payments and other commitments week by week, while a monthly view handles strategic modeling of hires, equipment, inventory and new locations. Scenarios can be duplicated with one click and compared on a graph, and Dryrun says users can create unlimited projections side by side. Connections cover Sage Intacct, Microsoft Dynamics 365 Business Central, NetSuite, Intuit Enterprise Suite, QuickBooks Online and Xero, plus a universal import, which is broader ERP coverage than Float. The drawback is that pricing is not published and the site routes buyers to a demo, so smaller owners may find Float or Cash Flow Frog quicker to start.

Jirav is an FP&A platform where the cash forecast is one output of a full planning model. Every business plan includes integrated balance sheet and cash flow projections, annual operating plans, rolling forecasts, what-if scenarios, workforce planning and budget versus actual reporting, plus expert-guided implementation. For a CFO who wants cash to fall out of the same model as the budget and headcount plan, that is the right structure. The pricing page lists Starter at $10,000 per year with 2 admins or editors, two active plans and up to 24 months of data, and Pro at $15,000 per year with departmental planning, 5 editors and up to 48 months. Unlimited users can collaborate on budgets or view read-only. The cost and setup put it out of reach for most owner-run businesses, and the short Starter model window limits multi-year planning. Accounting and CFO firms get separate wholesale pricing, with plans for advisors starting at $50 per month.

Trovata starts from the bank rather than the general ledger. Its base package aggregates balances and transactions, tags transactions with rules, and builds forecasts with machine-learning models that learn from historical bank data, alongside cash positioning that shows which accounts will be long or short. Reports include direct method cash flow statements and subsidiary cash flow reporting, and the platform can initiate RTP, ACH and wire payments and push normalized data to NetSuite or FloQast. The base package is published at $24k per year for one bank, 100 accounts, one million stored transactions and 10 users, with 3 to 5 hours of live training. That is a fair price for a treasury team, and the published figure is rare in this category. For an owner or a CFO at a small company, it is expensive, and forecasts built mainly from bank history can miss upcoming invoices and bills that an accounting-fed tool such as Float or Dryrun would see.

Kyriba is a full liquidity platform, and cash forecasting is one of several modules. It connects to 10,000 banks out of the box, unifies bank and ERP data, and lets treasury teams forecast cash, liquidity and risk exposures and test scenarios before acting. Around forecasting sit payment automation with fraud screening, FX and interest rate risk management, debt and investment tracking, supplier and receivables financing and, more recently, AI agents for treasury tasks. For a multinational CFO who needs the forecast tied to hedging and global payments, that breadth is the reason to buy. For everyone else on this list it is overkill. Pricing is not published, the buying process runs through demos, and implementation is an enterprise project. We score it high on features and low on ease of use and value for the owners and smaller finance teams this list is written for.