How we make this list: we compare pricing pages, product documentation and public user reviews. Rankite is independent; if a vendor ever pays for a featured spot, that listing is clearly labeled Partner.
Key takeaways
- Float ($105/month) and Dryrun ($1,788/year) are the self-serve picks for SMB cash-flow forecasting, both with 14-day trials and published prices.
- Obol (Studio $500/month) targets growth-stage companies and fractional CFOs with real-time cash positioning and AI anomaly alerts.
- Kyriba, Trovata, Agicap and Centime are quote-only: Kyriba for enterprise treasury, Trovata for API-first bank connectivity, Agicap for European SMBs, Centime for mid-market AP/AR plus forecasting.
- Tesorio is really AR software with forecasting attached: buy it for collections, not for bank cash positioning.
Quick comparison
| Tool | Best for | Starting price | Free plan |
|---|
 Kyriba | Large enterprises with dedicated treasury teams | See website | No |
 Trovata | Mid-market to enterprise teams managing cash across multiple banks | See website | See website |
 Tesorio | Mid-market B2B companies with high invoice volume and collections teams | See website | No |
 Float | SMBs and growing companies on Xero or QuickBooks Online | $105/month (Essentials, billed annually; $130 billed monthly) | Free trial (14 days, no credit card required) |
 Pulse | Freelancers and micro-businesses wanting a simple cash view | See website | Free trial (30 days, credit card required at signup) |
 Dryrun | Mid-market finance teams and fractional CFOs wanting manual forecast control | $1,788/year (Business plan, annual billing) | Free trial (14 days, no credit card required) |
 Agicap | European SMBs and mid-market companies with multiple bank accounts | See website | Free trial (expert-guided, a few days) |
 Centime | US mid-market companies wanting AP/AR automation with forecasting built in | See website | No |
 Obol | Growth-stage companies and fractional CFO/advisory firms | $500/month (Obol Studio; cancel or upgrade anytime) | 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Is your product missing or out of date?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 management software
The bank balance lies. It shows today's cash, not the payroll run due Friday, the big client invoice that always pays two weeks late, or the tax bill next month. Cash management software tells the truth about future cash: it pulls bank and accounting data into a live forecast, flags shortfalls before they happen, and, at the enterprise end, automates payments and FX across dozens of accounts. These nine tools cover the real market, from simple forecasting apps to full treasury suites.
#1
Kyriba
Best for: Large enterprises with dedicated treasury teams
Visit kyriba.com
Starting priceSee website
Free planNo
Kyriba is the enterprise treasury standard: cash positioning, payments automation, FX management, investments and bank relationship controls in one platform instead of several point tools. Banks connect via SWIFT and APIs, and the AI layer automates treasury workflows that used to need analysts. For a multinational managing dozens of accounts across currencies, that consolidation is the product.
Everything scales with enterprise reality: modular quote-based pricing, white-glove bank onboarding, annual subscriptions with add-ons, and implementations that run weeks to months. A 50-person company should not be here. It fits the 1,000-plus-employee enterprise where treasury is a department with its own systems budget.
What we like- Real-time cash visibility across banks, entities and currencies from one dashboard
- Modular suite covering payments, FX, investments and fraud controls
- Enterprise-grade security with AI-driven treasury automation
Watch out for- No self-serve pricing or trial
- Multi-week to multi-month implementations
#2
Trovata
Best for: Mid-market to enterprise teams managing cash across multiple banks
Visit trovata.io
Starting priceSee website
Free planSee website
Trovata modernizes the treasury workstation: connect every bank via API, SWIFT or sFTP, and the platform normalizes the data into one cash picture without IT involvement. AI agents watch for variances and anomalies, and native integrations with NetSuite, Sage Intacct, Oracle Fusion and SAP keep the ERP in sync. There is no user limit, which suits finance teams that share widely.
The base package starts with one bank connection and storage for up to one million transactions; more connections and enterprise TMS modules add cost, all unpriced publicly. Bank onboarding takes a few weeks. It fits the mid-market company outgrowing spreadsheets but not ready for Kyriba's weight. Confirm connection pricing before the pilot ends.
What we like- API-first multi-bank connectivity with automatic data normalization
- Embedded AI agents for variance analysis and anomaly alerts
- Native ERP integrations with no user limit
Watch out for- Bank onboarding takes weeks even with the white-glove team
- Pricing not public and scales with connections
#3
Tesorio
Best for: Mid-market B2B companies with high invoice volume and collections teams
Visit tesorio.com
Starting priceSee website
Free planNo
Tesorio belongs on this list with an asterisk: it is AR software with forecasting attached, not a cash management platform. Its strength is AI-driven collections and automated cash application (the vendor cites 95 percent-plus auto-match rates) that cut days sales outstanding, plus AR forecasting that feeds the cash view. For a B2B company where late customer payments are the cash problem, that is exactly the right tool.
If the cash problem is multi-bank positioning, FX, or payments, Tesorio is the wrong category entirely. Pricing is custom-quoted across Team, Business and Enterprise tiers, and the sales motion is enterprise. Buy it for collections-led cash improvement. Buy Trovata or Kyriba for treasury.
What we like- Full order-to-cash: collections, cash application and AR forecasting
- AI agents for dunning and follow-ups
- SOC 1 and 2 compliance with audit trails
Watch out for- Built for AR, not treasury-wide cash management
- Enterprise-focused pricing and sales cycle
#4
Float
Best for: SMBs and growing companies on Xero or QuickBooks Online
Visit floatapp.com
Starting price$105/month (Essentials, billed annually; $130 billed monthly)
Free planFree trial (14 days, no credit card required)
Float is the cash-flow forecaster most accountants recommend to small clients: connect Xero or QuickBooks Online and get a working visual forecast in under five minutes. The timeline shows expected cash in and out from live invoices, bills and bank data, with unlimited what-if scenarios and budget-versus-actual reporting. Essentials at $105/month billed annually targets companies below about £2M revenue; Growth at $215/month serves larger ones.
The limits are clean: two integrations (Sage Intacct is on the roadmap), forecasting only, no payments or reconciliation. Annual plans are not refundable after 30 days. Scale at $315/month adds multi-entity consolidation for up to five entities. For the SMB that wants to see next quarter's cash without hiring a CFO, Float is the default answer.
What we like- Visual cash-flow timeline built from live invoice, bill and bank data
- Unlimited scenarios and what-if modeling with budget vs. actual
- Weekly cash summary emails and role-based permissions
Watch out for- Only integrates Xero and QuickBooks Online
- Forecasting only, with no payments or treasury execution
#5
Pulse
Best for: Freelancers and micro-businesses wanting a simple cash view
Visit pulseapp.com
Starting priceSee website
Free planFree trial (30 days, credit card required at signup)
Pulse is cash forecasting at its simplest: a visual dashboard of money in and out, built for the owner who is also the finance department. There is no long-term contract; billing is month-to-month and cancellable from the billing page. Export to Excel or CSV works for sharing with lenders or investors.
Simplicity costs effort: more manual entry than Float's automatic sync, and no multi-entity support. The 30-day trial requires a credit card at signup and bills automatically unless cancelled, so set a reminder. Plan dollar amounts did not render in the vendor page text fetch, so check the live pricing page before budgeting. It fits the freelancer or micro-business that wants a weekly cash view without finance software overhead.
What we like- Simple manual cash-flow management built for non-finance owners
- Month-to-month billing with no long-term contract
- Visual dashboards with Excel and CSV export
Watch out for- Heavier manual entry than auto-syncing tools
- Not built for multi-entity or complex needs
#6
Dryrun
Best for: Mid-market finance teams and fractional CFOs wanting manual forecast control
Visit dryrun.com
Starting price$1,788/year (Business plan, annual billing)
Free planFree trial (14 days, no credit card required)
Dryrun is for forecasters who do not trust automation: override collection timing per invoice, set client and vendor payment-lag rules, and compare scenarios side by side. That line-item control is why CFOs and fractional CFOs pick it over Float's cleaner automation. Integrations cover QuickBooks Online, Xero, Sage Intacct and Dynamics 365, plus CRM connections on the Pro tier at $2,988/year.
The trade is effort and terms: a steeper learning curve, one user on Business, annual billing with no refunds for unused portions, and cancellation by contacting the vendor. Paying annually saves $600 versus monthly. It fits the finance team where the forecast is a management discipline, not a dashboard.
What we like- Invoice-by-invoice control over expected collection and payment dates
- Daily, weekly and monthly views with side-by-side scenario comparisons
- ERP integrations including Sage Intacct and Dynamics 365
Watch out for- Steeper learning curve than simple forecasting tools
- Business plan includes only one user
#7
Agicap
Best for: European SMBs and mid-market companies with multiple bank accounts
Visit agicap.com
Starting priceSee website
Free planFree trial (expert-guided, a few days)
Agicap is the European answer to multi-bank cash visibility: open banking APIs sync 300-plus banks into real-time cash position monitoring, with multi-company consolidation and a collections module (Get Paid) in the same platform. Integrations cover Xero, NetSuite, SAP B1, Sage and Odoo. For a company with accounts scattered across banks and entities, the automated aggregation replaces a morning of spreadsheet work.
The commercial terms demand attention: quote-based pricing on bank account count and turnover, a 12-month minimum subscription, and cancellation only before renewal. The trial is expert-guided rather than self-serve. It fits European SMBs and mid-market companies best; US buyers should confirm bank coverage for their accounts before committing.
What we like- Automated bank syncing across 300+ banks via open banking APIs
- Multi-company consolidation and multi-currency monitoring
- Collections module alongside forecasting
Watch out for- No public pricing
- 12-month minimum term with cancellation only before renewal
#8
Centime
Best for: US mid-market companies wanting AP/AR automation with forecasting built in
Visit centime.com
Starting priceSee website
Free planNo
Centime bundles the finance stack: AP automation, AR automation, expense management, and an AI-driven rolling 13-week cash forecast included with the AP/AR subscriptions. The pitch is that forecasting should not be a separate platform or a spreadsheet; it falls out of the AP and AR data automatically. A high-yield business checking account sweetens the economics.
Everything is sales-led with volume-based pricing (AP per invoices captured, AR per invoices collected), and the target is the $10M to $200M US company. Forecasting-only buyers get more than they need at enterprise pricing. It fits the mid-market finance team consolidating AP, AR and forecasting with one vendor and one success manager.
What we like- AP, AR, cash-flow forecasting and expense management in one platform
- AI-driven rolling 13-week forecast included with AP/AR
- High-yield business checking can offset subscription cost
Watch out for- Entirely quote-based pricing
- Aimed at mid-market, so overkill for forecasting-only needs
#9
Obol
Best for: Growth-stage companies and fractional CFO/advisory firms
Visit obol.ai
Starting price$500/month (Obol Studio; cancel or upgrade anytime)
Free planNo
Obol is the new entrant aiming at the gap between Float and Kyriba: a real-time Cash Hub with AI anomaly alerts and scenario planning, sold to growth-stage companies and the fractional CFO firms that serve them. Studio at $500/month is month-to-month with cancel-or-upgrade-anytime terms; Pro and Enterprise+ are custom. The proprietary API infrastructure handles bank and ERP connectivity.
The price is the filter: $500/month with no free tier or trial is a serious commitment for an unproven vendor, and public review coverage is thin. Advisory firms managing multiple clients get the best economics, spreading one subscription across a book of business. It fits the growth company whose fractional CFO wants real-time cash visibility without enterprise software. Everyone else should trial Float or Dryrun first.
What we like- Live Cash Hub with real-time cash positioning across accounts
- AI-powered anomaly detection and scenario planning
- Proprietary API infrastructure for bank and ERP connectivity
Watch out for- $500/month entry is steep for small businesses
- Newer vendor (founded 2022) with limited public review coverage
How we chose
We started with the searches buyers actually run: best cash management software, best bank reconciliation software, and cash flow forecasting software. For each candidate we checked the vendor's own pricing page first, then cross-checked plan names and prices against independent reviews and practitioner discussion, and compared bank connectivity, forecasting depth, ERP fit and company-size fit. Where a price could not be verified on the vendor's page we wrote "See website" rather than repeating estimates. The shortlist mixes SMB forecasting apps with treasury platforms because a freelancer and a multinational are not buying the same thing.
Frequently asked questions
What is the difference between cash flow forecasting and cash management?
Forecasting predicts future cash positions from expected inflows and outflows; that is Float, Dryrun, Pulse and Agicap. Cash management (treasury) adds execution: multi-bank positioning, payments, FX and controls; that is Kyriba, Trovata and Centime. Small businesses need forecasting. Companies with many bank accounts and entities need management.
How much does cash management software cost?
SMB forecasting apps publish prices: Float Essentials $105/month, Dryrun Business $1,788/year, Obol Studio $500/month. Treasury platforms (Kyriba, Trovata) and mid-market suites (Agicap, Centime) are quote-only. Expect five figures annually for mid-market treasury and six for enterprise.
Can cash flow software connect to my bank accounts?
Yes, through open banking APIs, direct bank APIs, SWIFT, or sFTP depending on the tool. Agicap syncs 300-plus banks via open banking; Trovata uses direct APIs, SWIFT and sFTP; Float and Dryrun pull through accounting integrations plus bank feeds. Confirm your specific banks during the trial: "300+ banks supported" does not always include yours.
Do I need this if I already use QuickBooks or Xero?
Your accounting software shows what happened; forecasting software shows what happens next. Float and Dryrun both build on QuickBooks and Xero data rather than replacing them. If you have ever been surprised by a cash shortfall with money "in the bank," the forecast is worth the subscription.
What is bank reconciliation vs. cash positioning?
Reconciliation matches recorded transactions against bank statements to confirm the books are right; it looks backward. Cash positioning aggregates balances across all accounts to show available cash right now; it looks at today. Forecasting extends positioning into the future. Tools here do positioning and forecasting; reconciliation stays in your accounting software.
What to verify during the trial
Bank coverage first: connect every account you actually hold, including the awkward ones (the old regional bank, the foreign currency account), and confirm balances sync reliably for two weeks. Second, forecast accuracy: enter your known upcoming inflows and outflows and check whether the projected position matches reality at month-end. A forecast nobody trusts is decoration.
Third, the cancellation terms: Dryrun bills annually with no refunds for unused portions; Agicap locks a 12-month minimum; Pulse's trial bills automatically after 30 days. Fourth, user math: Dryrun Business includes one user, Trovata has no user limit, and Kolleno-style per-user pricing (in AR software) shows how fast seats add up. Get the renewal price in writing, not just the intro price.
Sources we checked (11)
- https://floatapp.com/pricing
- https://www.dryrun.com/pricing
- https://www.obol.ai/pricing
- https://trovata.io/pricing
- https://pulseapp.com/pricing
- https://centime.com/pricing
- https://Agicap.com/en/pricing/
- https://www.tesorio.com/pricing
- https://www.vendr.com/marketplace/kyriba
- https://www.g2.com/categories/cash-management
- https://www.capterra.com/cash-management-software/
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 spent more than a decade helping SaaS and e-commerce brands grow through search. He writes Rankite's software buying guides from pricing pages, documentation and public user reviews. More about Shihab.