20 beste Cashflow-Prognose-Software im Test 2026

Vena is a finance planning and analysis platform that helps your business connect budgeting, forecasting, and reporting into one connected process. It uses familiar Excel spreadsheet interfaces combined with a centralized database to make your financial data accurate and accessible.

Why I picked Vena: I picked Vena because it’s designed to give you visibility and control over your cash flow forecasting through its unified financial planning approach. Its predictive forecasting capabilities let you model multiple “what-if” scenarios, helping you understand how different variables affect your liquidity and future cash position. Vena also connects actuals and forecasts in one dynamic model, so your cash flow projections stay accurate as conditions change. Built-in workflow automation keeps your forecasting cycle consistent and auditable, while audit trails and data validation ensure your numbers can be trusted.

Standout features & integrations:

Features include continuous planning capabilities that automatically update your forecasts when new data comes in, so your cash flow projections stay current. The platform also includes driver-based modeling that lets you link business metrics directly to cash flow outcomes, helping you see how operational changes impact liquidity.

Integrations include Microsoft Excel, Microsoft Dynamics, NetSuite, Sage Intacct, QuickBooks, Salesforce, SAP, Workday, and Power BI.

Puzzle.io is a financial management platform built to help startups and small businesses handle their accounting with automation and AI-powered forecasting. Along with its core accounting capabilities, it offers tools that support cash flow forecasting through real-time data updates and integrated financial modeling.

Why I picked Puzzle.io: I included Puzzle.io because of how it combines automated bookkeeping with real-time forecasting tools that can help you manage cash availability as invoices, payments, and expenses fluctuate. You can track cash activity reports, burn rate, and runway projections as soon as data comes in, without waiting for a monthly close. Its direct integrations with payment processors and financial planning tools also give you quick visibility into how new payments and spending affect your forecast.

Standout features & integrations:

Features include AR aging reports tied to Stripe invoices, which can help you monitor outstanding receivables. You can also define variance thresholds to flag unexpected spending, and access built-in accrual automation that handles revenue recognition and prepaid expenses. AI-powered accuracy reviews monitor your financials to identify errors that might impact your forecasts.

Integrations include Mercury, Ramp, Brex, Every, Meow, Rippling, Gusto, Deel, Central, Stripe, Bill.com, Runway, and Causal.

Mosaic is a financial planning and analysis platform for SaaS businesses. It offers key features like cash flow forecasting, budgeting, and financial analytics to help manage and optimize financial operations.

Why I picked Mosaic: Mosaic is designed specifically for SaaS businesses, providing features that cater to their unique financial needs. The platform offers real-time financial analytics and scenario planning, helping you make data-driven decisions. Its additional focus on subscription-based revenue models and ability to integrate financial data from multiple sources help to ensure insightful analysis and planning.

Standout features & integrations:

Features include financial metric management, allowing users to gain insights into your company's performance. The software also supports detailed budgeting and forecasting, which helps you plan for growth.

Integrations include QuickBooks, NetSuite, Salesforce, HubSpot, Slack, Google Sheets, and Microsoft Excel.

Xero is an accounting software platform designed for small to medium-sized businesses. It provides essential financial functions like cash flow forecasting, invoicing, and payroll management.

Why I picked Xero: Xero offers extensive integration options, making it highly adaptable to your existing systems. It connects with a wide range of third-party applications to enhance its functionality, eliminating the need for manual data entry. This type of integration also ensures that forecasts are always based on up-to-date figures from invoices, bills, payroll, and bank account feeds.

Standout features & integrations:

Features include real-time financial reporting, customizable dashboards, and automated bank feeds. The software also supports multi-currency transactions, which is great for businesses operating globally.

Integrations include PayPal, Stripe, Shopify, Square, HubSpot, Salesforce, Gusto, Mailchimp, and Vend.

Fathom is a financial analysis and reporting tool, primarily used by small to medium-sized businesses and accountants. It offers key business functions such as generating visual financial reports and providing insights into cash flow performance.

Why I picked Fathom: Fathom excels in visual reporting, offering features like customizable dashboards and detailed financial analytics. To start, the platform gives users the ability to generate clear visual representations of financial performance to help them better identify trends. Along with these insights, you can create accompanying visually appealing reports that make complex financial data easy to understand. 

Standout features & integrations:

Features include in-depth financial analysis, custom management reporting, and fast consolidated reporting. You can also create accurate cash flow forecasts and plans, with capabilities for scenario planning and driver-based budgeting. 

Integrations include QuickBooks, Xero, MYOB, Excel, and Google Sheets.

BILL is a financial automation platform designed for businesses looking to enhance cash flow forecasting and financial operations. It primarily serves small to medium-sized businesses, offering tools for managing cash flow, payments, and billing.

Why I picked BILL: BILL focuses on automated forecasting, reducing the manual effort required in cash flow management. It provides features like automatic payment scheduling and real-time cash flow tracking, which help you manage your finances. The tool's automation capabilities also make it easier to predict cash flow patterns and manage financial tasks efficiently, making it ideal for businesses looking to save time and improve accuracy in their financial processes.

Standout features & integrations:

Features include the ability to easily set up recurring payments to simplify billing processes. The software also offers alerts for upcoming payments, helping you avoid late fees and manage cash flow effectively.

Integrations include QuickBooks, Xero, NetSuite, Sage Intacct, Salesforce, Expensify, Google Workspace, and Microsoft Office 365.

Prophix is a corporate performance management software aimed at large enterprises. It offers advanced planning, budgeting, and cash flow management functionalities to support complex financial operations.

Why I picked Prophix: Prophix is ideal for enterprise use, providing features that cater to large-scale financial planning needs. It includes detailed budgeting tools and advanced cash flow planning capabilities. You can also leverage its extensive analytics and reporting functions to gain deeper insights into your financial data. 

Standout features & integrations:

Features include conduct variance analysis to compare actuals against forecasts, providing insights into financial performance. Additionally, Prophix supports driver-based planning for more accurate financial projections.

Integrations include Microsoft Dynamics, NetSuite, Sage Intacct, and SAP.

Agicap is a cash flow management tool designed primarily for businesses in the European market. It helps companies with forecasting, budgeting, and financial planning to ensure effective cash management.

Why I picked Agicap: Agicap is tailored for European markets, offering features that address the specific financial needs of businesses in this region. It provides real-time cash flow tracking and detailed forecasting tools, allowing you to manage your finances with precision. Plus, the platform's ability to handle multi-currency transactions is particularly beneficial for businesses operating across different European countries.

Standout features & integrations:

Features include the ability to create and manage budgets to align with your financial goals. The software also offers scenario planning to help you anticipate different financial outcomes.

Integrations include QuickBooks, Xero, Sage, Microsoft Dynamics, SAP, Oracle, and FreshBooks.

Pocketsmith is a personal finance and budgeting software designed for individuals looking to manage their personal finances. It offers tools for cash flow forecasting, budgeting, and financial tracking.

Why I picked Pocketsmith: Pocketsmith is tailored for personal use, providing features that help individuals manage their finances effectively. The platform offers cash flow forecasts and personalized budgeting tools, making it easier for you to track spending and plan for the future. Additionally, its calendar-based financial planning adds a unique touch to finance management, providing you with the tools needed for financial success.

Standout features & integrations:

Features include financial tracking of expenses and income to stay on top of your finances. The software also provides future projections to help you plan for upcoming expenses.

Integrations include Bank Feeds, Xero, Mint, Yodlee, and Plaid.

CashFlowTool is a cash flow management software designed for small to medium-sized businesses. It helps users predict cash flow trends and manage finances effectively with its intuitive features.

Why I picked CashFlowTool: CashFlowTool leverages AI-driven insights, providing you with predictive analytics to better understand your cash flow patterns. It features real-time cash flow forecasting and anomaly detection, helping you identify potential issues before they become problems. The tool's visual dashboards also make it easy for you to see your financial status at a glance. 

Standout features & integrations:

Features include collaboration tools that allow team members or advisors to comment and interact within the platform. You can also set customizable cash flow scenarios to test different financial outcomes and make informed decisions.

Integrations include QuickBooks Online and QuickBooks Desktop.