19 Best Cashflow Forecasting Software Reviewed In 2025
Best Cashflow Forecasting Software Shortlist
Here’s my shortlist of the best cashflow forecasting software:
Our one-on-one guidance will help you find the perfect fit.
If you’re still relying on spreadsheets or outdated tools, managing cashflow can feel like a constant uphill battle. But with so many cashflow forecasting software options out there, it’s hard to know what actually works.
As a financial controller, I’ve tested more than a few and know what truly helps in real-world finance work—clean reporting, accurate projections, and easy integration. That’s why I reviewed each tool on this list with those needs in mind.
If you’re looking for a reliable solution to take the stress out of forecasting, these picks will help you find the right fit fast.
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With one-on-one help, we guide you to your top software options. Narrow down your software search & make a confident choice.
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Best Cashflow Forecasting Software Summary
This comparison chart summarizes pricing details for my top cashflow forecasting software selections to help you find the best one for your budget and business needs.
| Tool | Best For | Trial Info | Price | ||
|---|---|---|---|---|---|
| 1 | Best for automated forecasting | 30-day free trial | From $29/user/month | Website | |
| 2 | Best for visual reporting | 14-day free trial | Pricing upon request | Website | |
| 3 | Best for enterprise FP&A | Free demo available | Pricing upon request | Website | |
| 4 | Best for real-time updates | 14-day free trial | From $23/month (billed annually) | Website | |
| 5 | Best for SaaS businesses | Free demo available | Pricing upon request | Website | |
| 6 | Best for personal planning | Free plan available | From $26/month (billed annually) | Website | |
| 7 | Best for AI-driven insights | Not available | From $42/month (billed annually) | Website | |
| 8 | Best for nonprofits | 30-day free trial | From $155/month (billed annually) | Website | |
| 9 | Best for European markets | Free trial available | Pricing upon request | Website | |
| 10 | Best for integration options | 30-day free trial | From $2/month (for 3 months, then $20/month) | Website |
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LiveFlow
Visit WebsiteThis is an aggregated rating for this tool including ratings from Crozdesk users and ratings from other sites.4.9 -
Float Financial
Visit Website -
Vena
Visit WebsiteThis is an aggregated rating for this tool including ratings from Crozdesk users and ratings from other sites.4.5
Best Cashflow Forecasting Software Review
Below are my detailed summaries of the best cashflow forecasting software that made it onto my shortlist. My reviews offer an in-depth look at the key features, pros & cons, integrations, and ideal use cases of each tool to help you find the best one for you.
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.
Pros and cons
Pros:
- Automated payment scheduling
- Real-time cash tracking
- Reduces manual financial tasks
Cons:
- Limited customization options
- No mobile app
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.
Pros and cons
Pros:
- Scenario planning options
- Multi-currency support
- Driver-based budgeting
Cons:
- Limited advanced features
- Learning curve for new users
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.
Pros and cons
Pros:
- Detailed variance analysis
- Supports driver-based planning
- Collaborative planning tools
Cons:
- Steeper learning curve
- Limited customization options
Cash Flow Frog is a cashflow forecasting tool designed for small businesses and accountants. It helps users manage cash flow by providing real-time updates and insights into financial performance.
Why I picked Cash Flow Frog: Cash Flow Frog focuses on delivering real-time updates, ensuring you always have the latest financial data at your fingertips. It offers features like automatic syncing with your accounting software and real-time cash flow projections. You can also easily monitor your cash flow status, making it simple to spot trends and potential issues. Overall, these features mixed with Cash Flow Frog’s emphasis on up-to-the-minute information sets it apart from other solutions.
Standout features & integrations:
Features include customizable alerts for cash flow changes, which helps in proactive financial management. The tool also offers scenario planning to test different financial outcomes.
Integrations include QuickBooks, Xero, FreshBooks, Sage, and Zoho Books.
Pros and cons
Pros:
- Real-time financial updates
- Customizable forecasting models
- Automatic data syncing
Cons:
- Limited customization options
- Basic reporting features
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.
Pros and cons
Pros:
- Supports subscription revenue models
- Detailed budgeting capabilities
- Scenario planning features
Cons:
- Requires initial setup time
- Complex for non-financial users
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.
Pros and cons
Pros:
- Personalized budgeting tools
- Detailed cash flow forecasts
- Future financial projections
Cons:
- Limited business features
- Requires manual data input
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.
Pros and cons
Pros:
- Anomaly detection alerts
- Real-time financial forecasting
- Easy-to-understand visuals
Cons:
- Limited advanced features
- Requires initial setup time
Calxa is a budgeting and cashflow forecasting tool aimed at nonprofits and small businesses. It helps users manage finances through detailed budgeting and cash flow analysis.
Why I picked Calxa: Calxa is best suited for nonprofits, offering features that address the unique financial needs of these organizations. It provides detailed budgeting tools and cash flow forecasts that help you manage funds effectively. The software also aids in grant tracking and management and scenario planning, allowing you to run multiple ‘what-if’ outcomes to prepare for different financial situations.
Standout features & integrations:
Features include the ability to create multiple budgets and compare them to actual results for better financial oversight. The software also supports multi-year budgeting, which is ideal for long-term planning.
Integrations include MYOB, Xero, QuickBooks Online, and Reckon.
Pros and cons
Pros:
- Made for nonprofit needs
- Grant tracking capabilities
- Multi-year budgeting support
Cons:
- Requires initial setup time
- Not suitable for large enterprises
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.
Pros and cons
Pros:
- Real-time cash flow insights
- Multi-currency transaction support
- Effective scenario planning
Cons:
- Limited customization options
- Limited support for non-European markets
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.
Pros and cons
Pros:
- Real-time financial data
- Customizable dashboards
- Automated bank feeds
Cons:
- Steeper learning curve
- Limited customization options
Other Cashflow Forecasting Software
Here are some additional cashflow forecasting software options that didn’t make it onto my shortlist, but are still worth checking out:
- Float
For small businesses
- Centime
For mid-sized companies
- BlackLine
For financial close management
- Kyriba
For treasury management
- CashAnalytics
For corporate cash reporting
- Budgyt
For budget collaboration
- HighRadius
For automated collections
- Teamwork
For project-based cashflow
- Intuit QuickBooks Online
For single-platform integration
Cashflow Forecasting Software Selection Criteria
When selecting the best cashflow forecasting software to include in this list, I considered common buyer needs and pain points like accuracy in financial predictions and ease of integration with existing systems. I also used the following framework to keep my evaluation structured and fair:
Core Functionality (25% of total score)
To be considered for inclusion in this list, each solution had to fulfill these common use cases:
- Generate cash flow forecasts
- Track income and expenses
- Provide financial reporting
- Offer scenario planning
- Support multi-currency transactions
Additional Standout Features (25% of total score)
To help further narrow down the competition, I also looked for unique features, such as:
- Customizable dashboards
- Cash flow statement templates
- AI-driven insights
- Advanced analytics
- Real-time alerts
- Integration with ERP systems
Usability (10% of total score)
To get a sense of the usability of each system, I considered the following:
- Intuitive user interface
- Ease of navigation
- Clear data visualization
- Minimal learning curve
- Responsive design
- Cloud-based options
Onboarding (10% of total score)
To evaluate the onboarding experience for each platform, I considered the following:
- Availability of training videos
- Interactive product tours
- Access to webinars
- User-friendly setup guides
- Templates for quick setup
Customer Support (10% of total score)
To assess each software provider’s customer support services, I considered the following:
- 24/7 support availability
- Access to live chat
- Comprehensive help center
- Response time to inquiries
- Availability of dedicated account managers
Value For Money (10% of total score)
To evaluate the value for money of each platform, I considered the following:
- Competitive pricing
- Features offered for the price
- Scalability of pricing plans
- Availability of discounts
- Transparency of pricing structure
Customer Reviews (10% of total score)
To get a sense of overall customer satisfaction, I considered the following when reading customer reviews:
- Overall satisfaction ratings
- Feedback on product reliability
- User comments on support quality
- Insights into ease of use
- Reports on realized financial benefits
How to Choose Cashflow Forecasting Software
It’s easy to get bogged down in long feature lists and complex pricing structures. To help you stay focused as you work through your unique software selection process, here’s a checklist of factors to keep in mind:
| Factor | What to Consider |
| Scalability | Ensure the software can grow with your business. It should handle increasing data and users without a hitch. |
| Integrations | Check if it connects with your existing tools, like accounting systems, to enhance workflows. |
| Customizability | Look for options to tailor reports and dashboards to fit your specific business needs. |
| Ease of Use | Choose software with a straightforward interface to minimize training time and human error. |
| Budget | Ensure it fits within your financial constraints. Consider both upfront costs and ongoing fees. |
| Security Safeguards | Verify the software has strong security measures to protect your financial data. |
| Support Services | Consider the availability of customer support and resources like tutorials and guides. |
| Reporting Features | Look for advanced reporting capabilities that offer insights into cash flow trends and forecasts. |
Trends in Cashflow Forecasting Software
In my research, I sourced countless product updates, press releases, and release logs from different cashflow forecasting software vendors. Here are some of the emerging trends I’m keeping an eye on:
- AI-Powered Insights: AI is being used to provide deeper, streamlined insights into cash flow patterns. This technology helps predict future trends more accurately, allowing businesses to make informed decisions. Some vendors are even integrating AI to offer predictive analytics and anomaly detection.
- Real-Time Collaboration: More tools are offering features that allow multiple users to work simultaneously on cash flow forecasts. This is useful for teams spread across different locations, ensuring everyone stays updated with the latest financial data from financial teams to stakeholders and executives.
- Scenario Planning Enhancements: Vendors are focusing on improving scenario planning capabilities, which allows businesses to model various financial outcomes and prepare for different economic conditions.
- User-Centric Design: There's a shift towards designing software with the end-user in mind. This means more intuitive interfaces and customizable dashboards, which help users get the information they need quickly.
- Integration with AI Assistants: Some software solutions are starting to integrate with AI assistants to offer voice-activated commands and insights. This trend aims to make accessing and managing cash flow data more convenient, offering a hands-free experience for busy professionals.
What Is Cashflow Forecasting Software?
Cashflow forecasting software is a tool that helps businesses predict and manage their cash flow by analyzing income and expenses. It's typically used by finance professionals, such as CFOs and accountants, to ensure the company has enough liquidity to meet its obligations.
These tools generally include features like real-time collaboration, AI-powered insights, and scenario planning capabilities to help users make informed decisions and anticipate financial challenges. Overall, cashflow forecasting software provides valuable insights that help businesses maintain financial stability and plan for future growth.
Features of Cashflow Forecasting Software
When selecting cashflow forecasting software, keep an eye out for the following key features:
- Real-Time Financial Tracking: Provides up-to-date cash flow data and cash position, helping you monitor financial health continuously.
- Scenario Planning Tools: Allows you to model different financial outcomes and prepare for various economic conditions.
- AI-Powered Insights: Offers predictive analytics to help forecast future cash flow trends more accurately.
- Multi-Currency Support: Enables businesses operating globally to manage transactions in different currencies.
- Customizable Dashboards: Lets you tailor the interface to display the most relevant financial data for your needs.
- Integration Capabilities: Connects smoothly with existing accounting and financial systems to enhance data flow.
- Anomaly Detection Alerts: Notifies you of unusual cash flow activities and cash shortages, allowing for quick intervention.
- User-Centric Design: Ensures ease of use with intuitive interfaces, minimizing the learning curve.
- Real-Time Collaboration: Facilitates teamwork by allowing multiple users to access and update forecast accuracy simultaneously.
- Subscription Revenue Management: Specifically useful for SaaS businesses to track and forecast subscription-based income.
Benefits of Cashflow Forecasting Software
Implementing cashflow forecasting software provides several benefits for your team and your business. Here are a few you can look forward to:
- Improved Financial Planning: Helps you anticipate cash flow needs and allocate resources effectively, thanks to scenario planning tools.
- Enhanced Decision-Making: Provides historical data-driven insights through AI-powered analytics, enabling more informed financial decisions during the close and consolidation process.
- Increased Efficiency: Reduces manual financial tracking with real-time updates and automated processes, saving time and effort.
- Risk Mitigation: Alerts you to potential cash flow issues with anomaly detection, allowing for proactive management.
- Global Financial Management: Supports multi-currency transactions, making it easier to handle international business operations.
- Collaboration and Transparency: Facilitates teamwork by allowing multiple users to access and update forecasts in real-time.
- Customizable Insights: Offers customizable dashboards, so you can focus on the financial data that matters most to your business.
Costs and Pricing of Cashflow Forecasting Software
Selecting cashflow forecasting software requires an understanding of the various pricing models and plans available. Costs vary based on features, team size, add-ons, and more. The table below summarizes common plans, their average prices, and typical features included in cashflow forecasting software solutions:
Plan Comparison Table for Cashflow Forecasting Software
| Plan Type | Average Price | Common Features |
| Free Plan | $0 | Basic forecasting, limited reports, and essential alerts. |
| Personal Plan | $5-$25/user/month | Personal budgeting tools, scenario planning, and basic integration capabilities. |
| Business Plan | $30-$75/user/month | Advanced analytics, multi-currency support, and customizable dashboards. |
| Enterprise Plan | $100-$250/user/month | Full integration options, AI-driven insights, and real-time collaboration. |
Cashflow Forecasting Software FAQs
Here are some answers to common questions about cashflow forecasting software:
What are the limitations of a cashflow forecast?
Cashflow forecasts can become less accurate the further ahead they predict. Changes in the economy, market conditions, and unexpected expenses can impact the accuracy. It’s essential to regularly update your forecasts to reflect the latest data and trends.
What is the biggest challenge with forecasting cash flows?
The biggest challenge is the complexity of variables involved, such as fluctuating material prices and demand variations. These factors can be hard to predict accurately. A detailed approach and regular updates can help mitigate these challenges.
How can cash flow forecasts improve accuracy?
To enhance accuracy, forecast weekly and extend the forecast period. Use a mix of forecasting methods and monitor your model’s performance. Real-time updates and detailed projections can significantly improve the reliability of your forecasts.
Why do businesses use cashflow forecasting software instead of spreadsheets?
Cashflow forecasting software offers automation, reducing the manual effort required with spreadsheets. It provides real-time data, predictive analytics, and collaboration features that spreadsheets can’t match. This leads to more accurate and efficient financial planning.
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