Visibility in this ranking can be paid for. Payment moves a vendor's position within the
shortlist; it never adds a vendor, and it never changes a word of the review. The largest vendors in cash flow forecasting software
cannot hold places 1 to 3. Places 1 to 3 go to challengers, vendors outside the best-known brands in a category,
wherever the category has them; the established names follow from place 4 in their ranked order. How it works: placement disclosure ·
editorial process.
The 12 tools, reviewed
#1 Float
Cash flow forecasting for Xero and QuickBooks users · United Kingdom · floatapp.com
Xero and QuickBooks 13-week forecast Multi-entity
Float does one job and stays close to it. It reads Xero or QuickBooks Online, lays bills, invoices and payroll onto a timeline, and gives a finance lead a 13-week view for the weekly cash call and a monthly view out to three years for the board.
- Pricing: Flat monthly per account. Published monthly or annual plans: Growth at £199 a month (£159 billed annually) for companies over £2m revenue, Scale from £295 for several entities, and a lighter Small Business plan from £99. Free plan: free trial.
- Best for: Growing companies on Xero or QuickBooks
- Strengths: 13-week rolling forecast; Monthly forecast up to three years; Eight scenarios.
Where it falls short
The integration list is short: Xero and QuickBooks Online are live, while Sage Intacct and iplicit are listed as coming.
Wrong for
Companies on NetSuite, Sage or Dynamics ledgers that Float does not yet read, and groups that need bank-level visibility across many banks, should look at Agicap or Trovata.
Visit Float →
#2 Cash Flow Frog
Rolling cash flow forecast built from your accounting data · Israel · cashflowfrog.com
Eight integrations 36-month forecast AI connector
Cash Flow Frog connects to QuickBooks Online and Desktop, Xero, Sage Intacct, Zoho Books, FreshBooks, Odoo, Plaid and Excel, then generates a forecast from the actuals it pulls in. The planned-versus-actual view and the customer ranking by payment punctuality go a step past a simple projection, and the VAT/GST forecast addresses a bill that often catches small firms.
- Pricing: Per revenue band / month. Price set by annual revenue. Free plan: free trial.
- Best for: Small businesses and bookkeepers
- Strengths: Rolling 36-month forecast; Scenario planning; Consolidation of entities.
Where it falls short
The price is tied to annual revenue, so cost rises as the company grows even if usage does not.
Wrong for
Treasury teams managing many banks and currencies, and firms that want collections and payments in the same tool, should move toward Agicap or Nilus.
Visit Cash Flow Frog →
#3 Agicap
Cash management and forecasting connected to banks and ERPs · France · agicap.com
Bank-fed 13-week forecast Collections and payables
Agicap starts from where the money is: it connects to banks and accounting software, centralizes balances across entities, and projects up to 13 weeks from actual data. The vendor says it serves more than 8,000 clients in 12 countries, and its UK pricing page states compatibility with more than 300 UK, Irish and international banks and more than 150 accounting packages.
- Pricing: Quote only, annual. Quote-based; the vendor states an annual offer with a minimum 12-month subscription, payable by SEPA direct debit or debit card. Free plan: free trial.
- Best for: Mid-sized firms wanting bank-fed forecasts
- Strengths: Cash position across banks; 13-week forecast; Bank and ERP connectivity.
Where it falls short
No price is published, and the pricing page we fetched displayed a loading placeholder where plans should be. The minimum term is 12 months.
Wrong for
Owner-managed businesses wanting a forecast this week for a few dollars a month should choose Float, Cash Flow Frog or Brixx instead.
Visit Agicap →
#4 Fathom
Reporting, forecasting and consolidation for advisors · Australia · fathomhq.com
Three-way forecast Accountant-focused Access Group
Fathom projects the P&L, balance sheet and cash flow together, so a change to a margin or a payment term shows up in all three statements. It reads QuickBooks, Xero, MYOB, Sage, Access Financials, Excel and Google Sheets, and it belongs to The Access Group.
- Pricing: Per connected company / month. Priced by the number of companies connected. Free plan: free trial.
- Best for: Accountants forecasting for many clients
- Strengths: Three-way cash flow forecasting; Budgets, scenarios and what-ifs; Multi-currency consolidation.
Where it falls short
The pricing page leads with plans sized for firms managing 25 or more companies, which is the wrong shape for a single owner.
Wrong for
A single-company owner who wants a quick cash view should look at Float or Cash Flow Frog.
Visit Fathom →
#5 Futrli
Reporting and forecasting for businesses and their accountants · United Kingdom · futrli.com
Part of Sage Daily forecast HR forecasting
Futrli forecasts the P&L, balance sheet and daily cash flow from ledger data, and adds a headcount forecast that models new starters' salaries and payroll taxes. Its integrations cover Xero, QuickBooks Online, Sage and Excel uploads, and the site carries a Sage Group copyright, so the product now sits inside Sage.
- Pricing: Per licence band / month. Published licence bands in dollars: Single at $40 a month for 1 to 5 licences, Starter $250, Professional $350, Practice $550, with a 14-day trial. Free plan: free trial.
- Best for: Xero, QuickBooks and Sage users with an accountant
- Strengths: Daily cash flow forecasting; Three-year P&L and balance sheet forecast; HR and payroll forecasting.
Where it falls short
The pricing bands mix business and accountant licence counts, which takes a read to decode. Reporting is the larger part of the product, and cash forecasting is one section within it.
Wrong for
Companies on ledgers outside Xero, QuickBooks and Sage, and teams that need bank-feed forecasting, should compare Agicap or Trovata.
Visit Futrli →
#6 Brixx
Visual financial forecasting and planning · Guernsey · brixx.com
Low price Scenario planning Long horizon
Brixx replaces the forecasting spreadsheet with a timeline where sales, hires and costs are dragged to dates and the cash flow, P&L and balance sheet update. The three plans differ in forecast length and plan count, not in features, and users are unlimited, so sharing with an accountant or investor costs nothing extra.
- Pricing: Per plan tier / month. Published monthly plans at $25 (Foundations, one-year forecast), $50 (Professional, three years) and $75 (Enterprise, ten years), with 20 percent off annual billing. Free plan: free trial.
- Best for: Startups and owners planning ahead
- Strengths: Cash flow forecast; What-if scenarios; Drag-and-drop timeline.
Where it falls short
The only integration the site lists is Xero, so the starting point is often assumptions you enter. Plan counts are capped at one, three or five.
Wrong for
Companies that need the forecast to update daily from the bank or ledger, or that run many entities, should choose Float, Agicap or Trovata.
Visit Brixx →
#7 Spotlight Reporting
Reporting and forecasting for advisors and groups · New Zealand · spotlightreporting.com
Advisor-led Consolidation White labelling
Spotlight Reporting sells a platform of reporting, forecasting and dashboard tools, mainly through accountants who white-label it for clients. Forecasting handles cash flow projections, and consolidated reporting and forecasting serve franchises and groups. The site lists Xero and QuickBooks integrations and AI executive summaries that calculate figures first and add commentary afterward.
- Pricing: Per organization bundle / month. Advisor plans are published in local currency, for example Basic at NZ$295 a month for up to 10 organizations. Free plan: free trial.
- Best for: Advisors running client forecasts
- Strengths: Cash flow forecasting; Management reporting; Dashboards.
Where it falls short
We could not confirm the headquarters country from the pages fetched; support staff are listed in New Zealand and Australia. Pricing for direct business buyers was not readable, and the advisor plans are sized by organization count.
Wrong for
A business owner who wants to set up a forecast without an accountant should look at Float, Cash Flow Frog or Brixx.
Visit Spotlight Reporting →
#8 Tidely
Liquidity planning with bank and accounting connections · Germany · tidely.com
DATEV connector AI forecast Euro pricing
Tidely aggregates bank accounts, categorizes transactions with AI and projects liquidity forward, with scenario analysis for budgeting and financing. The tiers are explicit: Starter covers one bank account and one user, Professional five accounts and two users, Business ten accounts, five users and three companies. A DATEV connector is sold as a 35 euro add-on, which matters in Germany.
- Pricing: Per plan tier / month. Published euro plans: Starter at 55 euros a month, Professional 105, Business 265, Enterprise on quote. Free plan: free trial.
- Best for: German and DACH companies using DATEV
- Strengths: AI categorization; AI cash flow forecast; Bank account aggregation.
Where it falls short
Add-ons raise the bill: extra bank accounts cost 20 euros a month each. Starter limits the company to one bank account and one user.
Wrong for
Companies outside Germany and the DACH region, and groups with many entities, should look at Agicap or Trovata.
Visit Tidely →
#9 Trovata
Cash visibility and forecasting from bank data · United States · trovata.io
Bank data Machine-learning forecast Published base price
Trovata normalizes bank data into one view, tags transactions by rule, and trains forecast models on the bank history. The pricing page lists what the $24,000 base covers, including expert-managed bank connectivity, and states onboarding in weeks. The platform also offers cash positioning, reconciliation and payments through its API library, and a newer TMS.
- Pricing: Annual base package + usage. A published base package of $24,000 a year covers 1 bank connection, 100 accounts, 1,000,000 transactions and 10 users, with a quote for more. Free plan: none.
- Best for: Treasury teams wanting bank-fed forecasts
- Strengths: Multibank balances; Transaction tags; Machine-learning forecast models.
Where it falls short
The entry cost is far above ledger-based tools, and the base package covers only one bank connection. Extra users, banks and accounts are quoted separately.
Wrong for
Companies under a few million in revenue, or owner-managed firms without a treasury role, should choose Float, Cash Flow Frog or Tidely.
Visit Trovata →
#10 Nilus
AI agents for treasury, cash and collections · United States · nilus.com
AI agents Modules 13-week forecast
Nilus sells nine modules, each with pre-built agents, from cash positioning to bank account management. Its cash module builds the daily position and a 13-week forecast that the vendor says self-corrects against variance, and the vendor claims onboarding in days and over 100 finance teams as customers. Its CEO is based in New York and its CTO in Tel Aviv.
- Pricing: Quote only, per module. Quote only; the vendor sells nine modules that can be bought separately and offers a proof demo. Free plan: none.
- Best for: Finance teams automating treasury work
- Strengths: Cash and liquidity position; 13-week forecast that adjusts to variance; Collections.
Where it falls short
There is no published price and no trial; the entry is a proof demo. Agent automation raises governance questions that the buyer must test, and it is a newer entrant next to Kyriba or GTreasury.
Wrong for
Small businesses and accountants wanting a monthly forecast should choose Float or Brixx; buyers needing a long-established treasury suite should choose GTreasury or Kyriba.
Visit Nilus →
#11 GTreasury
Treasury management system sold as Ripple Treasury · United States · gtreasury.com
Treasury management system Risk Ripple Treasury
GTreasury is a treasury management system, now presented as Ripple Treasury, powered by GTreasury. The site claims 13,000 connected banks, and cash flow forecasting sits beside liquidity, reconciliation, netting, payments and risk modules. It also describes GSmart, an AI layer that proposes actions and waits for approval, citing the policy clause behind each.
- Pricing: Quote only. Quote only; the vendor invites a demo request and does not publish prices. Free plan: none.
- Best for: Large treasury teams with many banks
- Strengths: Liquidity management; Cash flow forecasting; Reconciliation.
Where it falls short
No pricing is published, and a treasury system implies a long project, with ERP integration work.
Wrong for
Small and mid-sized businesses should not buy a treasury system for a 13-week forecast; Float, Agicap or Tidely are the proportionate tools.
Visit GTreasury →
#12 Kyriba
Liquidity performance platform for treasury and finance · United States · kyriba.com
Treasury Enterprise Risk and payments
Kyriba connects banks, ERPs and apps and states connectivity to 10,000 banks. Cash forecasting and liquidity planning are listed use cases beside payments, fraud prevention, FX exposure and supplier financing.
- Pricing: Quote only. Quote only; the vendor directs buyers to request a demo. Free plan: none.
- Best for: Enterprises with complex treasury needs
- Strengths: Cash management; Cash forecasting; Liquidity planning.
Where it falls short
No price is public, and the site blocked our automated fetch, so much beyond the home page could not be read. Implementation is a project, and the product serves enterprise treasury, not owners checking runway.
Wrong for
Any company without a treasury function should look at Float, Cash Flow Frog or Agicap first.
Visit Kyriba →
Questions and answers
What is the best cash flow forecasting software in 2026?
Float ranks first of 12, best for growing companies on Xero or QuickBooks. Cash Flow Frog is second (small businesses and bookkeepers) and Agicap third (mid-sized firms wanting bank-fed forecasts). Places 1 to 3 go to challengers, vendors outside the best-known brands, wherever the category has them.
How is cash flow forecasting different from budgeting?
A budget states what you plan to earn and spend over a year, usually by department. A cash flow forecast states when money actually moves and what the bank balance will be on a given day.
Should the forecast start from the accounting system or from the bank?
Accounting-based tools such as Float, Futrli and Cash Flow Frog know about invoices and bills not yet paid, so they forecast well but depend on timely bookkeeping.
How far ahead should a small company forecast?
Two horizons cover most needs. A 13-week rolling view drives weekly decisions on payroll, supplier payments and tax, and Float and Agicap both state it.
Can these tools model late-paying customers?
Some do and some do not. Cash Flow Frog ranks customers by collections and payment punctuality, and Agicap refines the forecast with each customer's actual days sales outstanding through its receivables module.
What does cash flow forecasting software cost?
Published small-business prices range from $25 a month at Brixx to £199 a month for Float's Growth plan, with Cash Flow Frog's Pro tier at $55 and Tidely's Starter at 55 euros.
Do I need a treasury management system or a forecasting tool?
A treasury management system fits a company with many banks, currencies, intercompany loans, hedging needs and payment controls, where the forecast is one output of a controlled process. GTreasury and Kyriba are built for that.
Which tools work for accountants managing many clients?
Fathom, Futrli and Spotlight Reporting are priced and built for that.
Is my bank data safe in these tools?
Check the specifics, not the badge. Cash Flow Frog states ISO 27001 and GDPR on its site, and Float states role-based permissions with two-factor authentication mandatory for Xero users. Treasury vendors publish trust centers.
Can I switch tools without losing my history?
Your actuals live in the ledger and the bank, so a new tool can reload them. What you lose is the forecast history and the scenarios.
Do these tools replace a spreadsheet entirely?
For most small companies the live link to the ledger and the scenario handling justify the switch, and Cash Flow Frog's own comparison lists broken formulas and weekly manual updates as the spreadsheet's weak points.
