How we make this list: we compare pricing pages, product documentation and public user reviews. Ratings come from G2, Capterra or Trustpilot, with the date we checked them.
Key takeaways
- Float and Futrli are the strongest all round picks for small businesses on Xero or QuickBooks, since both turn live accounting data into a rolling forecast you can act on.
- Pulse is the cheapest simple option at 29 dollars a month, while Cash Flow Frog and LivePlan suit owners who want a forecast without a finance team.
- Fathom and Jirav go further into reporting, budgeting, and multi entity planning, and they cost more of your time to set up well.
- A forecast is only as good as the bookkeeping behind it, and no tool on this list gives financial advice for your specific situation.
Quick comparison
| Tool | Best for | Starting price | Free plan |
|---|
 Float | Rolling forecasts on Xero and QuickBooks | See website | No |
 Pulse | Owners who want cash explained simply | $29 per month | No |
 Dryrun | Project based firms with lumpy income | See website | No |
 Cash Flow Frog | Long range forecasts with fast setup | $69 per month | No |
 Fathom | Firms and multi entity reporting | See website | No |
 Futrli | Daily forecasting with visual dashboards | $40 per month | No |
 Jirav | Budgeting and planning in one system | $50 per month | No |
 LivePlan | Owners forecasting through a business plan | $20 per month | No |
Is your product missing or out of date?
We review this list regularly. Vendors can request a listing, send updated pricing or ask about featured placement.
The best cash flow software
#1Float
Best for: Rolling forecasts on Xero and QuickBooks4.4/5 on
G2 (45 reviews, checked Oct 2026)
Visit floatapp.com
Starting priceSee website
Free planNo
What we like- Float builds a visual timeline forecast directly from Xero or QuickBooks Online data, so expected invoice payments and bill dates land on the days they are due rather than in monthly buckets. Scenario planning is unlimited on paid plans, which makes it easy to model a lost client, a price rise, or a new hire before you commit. It forecasts daily in the short term and out to three years, and a 14 day free trial lets you test it on your own numbers first.
Watch out for- Float does forecasting and little else, so budgeting and management reporting need a second tool. Published prices have moved several times and differ between directories, which is why this guide lists its starting price as see website. It only connects to Xero and QuickBooks Online, so Sage or desktop ledger users are out.
Starting price$29 per month
Free planNo
What we like- Pulse is the simplest tool on this list. It shows money in and money out on a clear weekly view, lets you add expected payments by hand, and answers the can we afford this question without any accounting training. Plans run from 29 to 89 dollars a month, and the entry tier is enough for most one person and micro businesses. A 30 day free trial gives you a full month to judge it.
Watch out for- Pulse leans on manual entry more than its rivals, and its accounting connection is QuickBooks centred, so Xero users get less automation. It has no budgeting, reporting, or multi entity features. Businesses with several bank accounts and entities will outgrow it quickly.
#3Dryrun
Best for: Project based firms with lumpy income4.5/5 on
G2 (12 reviews, checked Oct 2026)
Visit dryrun.com
Starting priceSee website
Free planNo
What we like- Dryrun was built for agencies, consultancies, and other project based businesses where one late client payment can break the month. It gives you hands on control of forecast assumptions, models receivables at the client and project level, and handles daily, 13 week, and monthly views. It connects to QuickBooks Online, Xero, Sage Intacct, and Dynamics 365, which covers most mid market ledgers.
Watch out for- Dryrun does not publish its prices, and directory listings put its business tier near 249 dollars a month, so you learn the real cost only after a sales conversation. The hands on control that advisors like means more setup work than automated rivals. There is no free plan, and small firms with simple cash patterns will find it more tool than they need.
Starting price$69 per month
Free planNo
What we like- Cash Flow Frog connects to QuickBooks Online and Desktop, Xero, Sage Intacct, Zoho Books, and FreshBooks, plus bank feeds, and produces a rolling forecast out to 36 months. Setup is quick because the tool reads your existing chart of accounts and payment history to predict when customers actually pay. Published pricing starts at 69 dollars a month, or 55 dollars a month billed yearly, and a 14 day trial is available.
Watch out for- There is no free plan, and the starting price is higher than Pulse or LivePlan for a narrower job. Its reporting and budgeting depth is thinner than Fathom or Jirav, so growing finance teams may treat it as a stepping stone. Scenario modelling exists but is less flexible than Float or Dryrun for complex what if work.
#5Fathom
Best for: Firms and multi entity reporting5.0/5 on
G2 (7,076 reviews, checked Oct 2026)
Visit fathomhq.com
Starting priceSee website
Free planNo
What we like- Fathom pairs three way forecasting with management reporting, KPI dashboards, and multi entity consolidation, which is why accounting firms use it to deliver advisory work. Forecasts run out to five years across profit and loss, balance sheet, and cash flow together, so a hiring plan shows its effect on cash and on the balance sheet at once. Reporting is polished enough to hand to a bank or a board without extra formatting.
Watch out for- Fathom prices per company, and published figures differ between its Australian dollar list and US resellers, so this guide lists see website until you confirm your region's rate. The firm centred workflow can feel indirect for an owner who just wants next month's balance. It is a reporting suite first, so firms wanting only a simple cash timeline pay for depth they may not use.
Starting price$40 per month
Free planNo
What we like- Futrli forecasts daily in the short term and up to three years out, using your Xero, QuickBooks Online, or Sage data plus its prediction engine for recurring income and costs. Its dashboards are visual and board friendly, and it adds KPI reporting and alerts when actual results drift from the forecast. Published pricing starts around 40 dollars a month for a small licence bundle, which undercuts most rivals with similar depth.
Watch out for- The prediction features need clean historical data to be useful, and messy books produce confident looking but weak forecasts. Futrli's strongest market is the UK and Australia, so US support hours and content lean that way. There is no free plan, and per licence pricing climbs as you add clients or entities.
#7Jirav
Best for: Budgeting and planning in one system4.7/5 on
G2 (195 reviews, checked Oct 2026)
Visit jirav.com
Starting price$50 per month
Free planNo
What we like- Jirav is a full planning platform covering budgeting, forecasting, reporting, and dashboards, with driver based plans that tie headcount, revenue, and cash together. Its entry Controller Essentials plan is published at 50 dollars a month, low for this category, and it connects to QuickBooks, Xero, and NetSuite. For a company hiring its first finance lead, it replaces several spreadsheet models at once.
Watch out for- Jirav aims at companies with a finance function, so a five person business will use a fraction of it. There is no free plan, and fuller tiers move to quote based pricing. Implementation takes real setup time, since driver based models have to reflect how your business actually earns and spends.
#8LivePlan
Best for: Owners forecasting through a business plan4.3/5 on
G2 (48 reviews, checked Oct 2026)
Visit liveplan.com
Starting price$20 per month
Free planNo
What we like- LivePlan approaches cash through the business plan: build the plan, and it generates a forecast and then tracks actual results against it month by month. The Standard plan costs 20 dollars a month, or 15 dollars a month billed annually, the lowest published price here. It suits owners preparing for a loan application or a funding conversation, since lenders receive a plan and a forecast in one document.
Watch out for- LivePlan is not a live cash timeline tool, so it will not warn you about a tight week the way Float or Pulse will. There is no free trial, though a 35 day money back guarantee softens that. Its forecasting is plan driven rather than ledger driven, so day to day cash management still needs your accounting data checked by hand.
How we chose
We compared these tools on forecast horizon, how they connect to common ledgers such as Xero and QuickBooks, scenario modelling, published pricing, and free tier honesty. We favoured tools that publish prices on their own pages and that forecast at the weekly or daily level where payroll decisions are made. We excluded general accounting suites whose cash view is a minor feature, and we excluded spreadsheet templates, since this guide covers software. Where a vendor's price could not be confirmed from current sources, we wrote see website instead of repeating a directory figure.
How to choose the right cash flow software
Start with the decision the forecast has to support. If the question is whether you can make payroll and pay suppliers over the next quarter, a timeline tool such as Float, Pulse, or Cash Flow Frog fits, and the 13 week rolling view is the one to live in. If the question is how a hiring plan or a new location affects cash over three years, you need the planning depth of Fathom, Futrli, or Jirav. If you are raising money or applying for a loan, LivePlan's plan first approach produces the document a lender expects.
Then check the connection to your ledger. Every tool here is only as accurate as the invoices, due dates, and payment behaviour in your accounting system, so reconcile the books before you judge a forecast. Look at the limits behind the headline price too: per entity pricing, user counts, and forecast length all change the real cost as you grow. Finally, build one habit with whichever tool you pick. Review the forecast weekly, update expected payment dates when customers slip, and add your tax payment dates and loan repayments by hand, since most tools miss at least one of them. This guide is general information about software, not financial advice, and a forecast does not replace talking to your accountant before a big commitment.
Frequently asked questions
What is the difference between cash flow software and accounting software?
Accounting software records what has already happened: invoices issued, bills received, payments made. Cash flow software projects those same items forward in time to show future bank balances. Most businesses keep their accounting system and add a forecasting tool on top of it, since the tools in this guide read data from Xero or QuickBooks rather than replacing them.
How far ahead should a cash flow forecast look?
Two horizons cover most needs. A 13 week rolling forecast, updated weekly, catches payroll and supplier crunches early enough to act on. A 12 to 36 month forecast supports bigger decisions such as hiring, borrowing, or opening a second site. Float, Futrli, and Cash Flow Frog cover both horizons; Pulse is strongest at the short end.
Is there free cash flow software?
Genuinely free standalone forecasting is rare. The planners built into Xero and QuickBooks Online cost nothing extra if you already subscribe, and most tools here offer a free trial rather than a free plan. Pulse at 29 dollars a month and LivePlan at 20 dollars a month are the cheapest published routes to a maintained forecast.
Why do prices differ between review sites for the same tool?
Vendors change prices and plan names during the year, and directories update slowly, so an old tier can linger in listings long after it is retired. Float is a clear example, with current sources showing several different starting prices. That is why this guide marks unconfirmed prices as see website and why you should always price a tool on the vendor's own page before budgeting.
Can cash flow software predict when customers will pay?
Partly. Tools such as Cash Flow Frog and Futrli look at each customer's payment history and forecast receipts on the days customers usually pay rather than the invoice due date. That is more realistic than assuming everyone pays on time, but it is still an estimate, and one large late payer can break any forecast, which is why weekly review matters.
Sources we checked (0)
Is your product missing or out of date?
We review this list regularly. Vendors can request a listing, send updated pricing or ask about featured placement.
Shihab Mia · Founder, Rankite
Shihab has 5+ years in B2B and SaaS SEO. He writes Rankite's software buying guides from pricing pages, documentation and public user reviews. More about Shihab.