Quick Overview
- 1#1: Float - Provides accurate cash flow forecasting by integrating directly with accounting software like QuickBooks and Xero.
- 2#2: Cash Flow Frog - Offers visual cash flow planning and forecasting with scenario analysis for small businesses.
- 3#3: Dryrun - Enables scenario-based cash flow forecasting and planning integrated with invoicing and accounting tools.
- 4#4: Futrli - Delivers automated cash flow predictions, budgeting, and KPI tracking powered by accounting data.
- 5#5: QuickBooks Online - Cloud accounting software with built-in cash flow insights, tracking, and forecasting reports.
- 6#6: Xero - Online accounting platform featuring cash flow dashboards, forecasting, and liquidity management tools.
- 7#7: Fathom - Financial reporting and analytics tool that generates detailed cash flow statements and forecasts.
- 8#8: PlanGuru - Budgeting and financial forecasting software specializing in multi-scenario cash flow projections.
- 9#9: LivePlan - Business planning tool with integrated cash flow forecasting and performance tracking.
- 10#10: Sage Intacct - Cloud ERP system with advanced cash flow management, multi-entity consolidation, and forecasting.
Tools were chosen based on features like forecasting accuracy and scenario analysis, integration quality with accounting/invoicing systems, usability, and overall value to enhance financial control and decision-making.
Comparison Table
Effective cash flow management is vital for business sustainability, and selecting the right software can simplify this process. This comparison table explores top tools like Float, Cash Flow Frog, Dryrun, Futrli, QuickBooks Online, and more, highlighting key features, pricing, and usability to help readers match their needs with the best fit. Readers will gain clear insights into how each solution performs across critical areas, empowering informed decisions to enhance financial control.
| # | Tool | Category | Overall | Features | Ease of Use | Value |
|---|---|---|---|---|---|---|
| 1 | Float Provides accurate cash flow forecasting by integrating directly with accounting software like QuickBooks and Xero. | specialized | 9.2/10 | 9.5/10 | 9.0/10 | 9.1/10 |
| 2 | Cash Flow Frog Offers visual cash flow planning and forecasting with scenario analysis for small businesses. | specialized | 8.5/10 | 8.2/10 | 9.2/10 | 8.4/10 |
| 3 | Dryrun Enables scenario-based cash flow forecasting and planning integrated with invoicing and accounting tools. | specialized | 8.7/10 | 9.2/10 | 8.5/10 | 8.0/10 |
| 4 | Futrli Delivers automated cash flow predictions, budgeting, and KPI tracking powered by accounting data. | specialized | 8.4/10 | 9.2/10 | 7.6/10 | 8.0/10 |
| 5 | QuickBooks Online Cloud accounting software with built-in cash flow insights, tracking, and forecasting reports. | enterprise | 8.6/10 | 9.0/10 | 8.5/10 | 8.0/10 |
| 6 | Xero Online accounting platform featuring cash flow dashboards, forecasting, and liquidity management tools. | enterprise | 8.3/10 | 8.1/10 | 9.2/10 | 7.7/10 |
| 7 | Fathom Financial reporting and analytics tool that generates detailed cash flow statements and forecasts. | specialized | 8.3/10 | 8.5/10 | 9.1/10 | 8.0/10 |
| 8 | PlanGuru Budgeting and financial forecasting software specializing in multi-scenario cash flow projections. | specialized | 8.1/10 | 8.7/10 | 7.6/10 | 7.9/10 |
| 9 | LivePlan Business planning tool with integrated cash flow forecasting and performance tracking. | other | 7.8/10 | 8.0/10 | 8.5/10 | 7.2/10 |
| 10 | Sage Intacct Cloud ERP system with advanced cash flow management, multi-entity consolidation, and forecasting. | enterprise | 8.2/10 | 8.7/10 | 7.1/10 | 7.4/10 |
Provides accurate cash flow forecasting by integrating directly with accounting software like QuickBooks and Xero.
Offers visual cash flow planning and forecasting with scenario analysis for small businesses.
Enables scenario-based cash flow forecasting and planning integrated with invoicing and accounting tools.
Delivers automated cash flow predictions, budgeting, and KPI tracking powered by accounting data.
Cloud accounting software with built-in cash flow insights, tracking, and forecasting reports.
Online accounting platform featuring cash flow dashboards, forecasting, and liquidity management tools.
Financial reporting and analytics tool that generates detailed cash flow statements and forecasts.
Budgeting and financial forecasting software specializing in multi-scenario cash flow projections.
Business planning tool with integrated cash flow forecasting and performance tracking.
Cloud ERP system with advanced cash flow management, multi-entity consolidation, and forecasting.
Float
specializedProvides accurate cash flow forecasting by integrating directly with accounting software like QuickBooks and Xero.
Real-time revenue forecasting directly linked to visual resource scheduling
Float is a powerful resource management and scheduling platform that supports business cash flow management through advanced forecasting, profitability tracking, and integration with accounting software. It enables teams to visualize capacity, schedule projects accurately, and generate revenue projections based on real-time resource allocation. By linking scheduled work to financial outcomes, Float helps businesses predict cash inflows and optimize spending for better cash flow control.
Pros
- Seamless integration with tools like QuickBooks and Xero for accurate financial syncing
- Real-time revenue and profitability forecasting tied to resource schedules
- Intuitive drag-and-drop interface for quick planning and adjustments
Cons
- Limited native support for direct accounts payable/receivable tracking
- Pricing can add up for large teams
- Advanced forecasting requires setup with integrations
Best For
Creative agencies, consultancies, and service-based businesses that manage cash flow via project scheduling and revenue projections.
Pricing
Starts at $6/user/month (Teams plan, billed annually), $10/user/month (Professional), with Enterprise custom pricing; free for up to 5 users.
Cash Flow Frog
specializedOffers visual cash flow planning and forecasting with scenario analysis for small businesses.
The interactive 'Frog Timeline' visualization that gamifies cash flow forecasting, making it exceptionally easy to spot trends and gaps at a glance.
Cash Flow Frog is a user-friendly cash flow forecasting software tailored for small businesses, automatically integrating with bank accounts and accounting tools like QuickBooks and Xero to generate real-time forecasts. It provides visual timelines, scenario planning, and proactive alerts for potential cash shortages, helping owners maintain liquidity. The tool simplifies complex cash flow management into an intuitive dashboard accessible to non-finance professionals.
Pros
- Seamless integrations with popular accounting software and banks for automated data syncing
- Intuitive visual cash flow timelines and scenario modeling for quick insights
- Proactive alerts and recommendations to prevent cash flow crises
Cons
- Limited advanced reporting and analytics compared to enterprise-level tools
- No dedicated mobile app, relying on web access
- Higher pricing tiers may be unnecessary for very small operations
Best For
Small to medium-sized business owners who need simple, visual cash flow forecasting without a dedicated finance team.
Pricing
Starts at $39/month (Starter plan billed annually), with Growth at $79/month and Business at $129/month; 14-day free trial available.
Dryrun
specializedEnables scenario-based cash flow forecasting and planning integrated with invoicing and accounting tools.
Interactive 'what-if' scenario modeling that instantly visualizes cash flow changes from adjusting variables like payment terms or expenses
Dryrun is a cloud-based cash flow forecasting tool designed for businesses to predict future cash positions by integrating directly with accounting software like QuickBooks, Xero, and FreshBooks. It enables users to create what-if scenarios, visualize cash flow timelines through interactive charts, and identify potential shortfalls or surpluses. The software automates forecasts based on real invoices, bills, and recurring transactions, helping teams make proactive financial decisions.
Pros
- Seamless integrations with major accounting platforms for automated data syncing
- Powerful scenario planning with real-time adjustments and visual timelines
- User-friendly dashboards that simplify complex cash flow analysis
Cons
- Limited advanced reporting and analytics compared to enterprise tools
- No dedicated mobile app, relying on web access
- Pricing can add up for teams needing multiple users or premium features
Best For
Small to medium-sized businesses using QuickBooks or Xero that need straightforward, visual cash flow forecasting and scenario planning.
Pricing
Starts at $49/month for the Pro plan (billed annually), with higher tiers like Agency at $99/month; custom enterprise pricing available.
Futrli
specializedDelivers automated cash flow predictions, budgeting, and KPI tracking powered by accounting data.
Automated what-if scenario modeling that lets users stress-test financial plans against variables like sales fluctuations or expenses.
Futrli is a cloud-based financial forecasting and cash flow management platform that integrates with accounting tools like Xero and QuickBooks to automate cash flow predictions and scenario planning. It provides businesses with real-time dashboards for tracking KPIs, profitability forecasts, and what-if analyses to proactively manage finances. Designed for SMEs, it turns historical data into actionable insights, helping users avoid cash shortages and optimize growth strategies.
Pros
- Seamless integrations with Xero and QuickBooks for automated data syncing
- Powerful scenario modeling and what-if analysis for strategic planning
- Interactive dashboards with real-time KPI tracking and alerts
Cons
- Steep learning curve for non-finance users
- Pricing can be high for smaller teams without advanced needs
- Limited customization options in reporting templates
Best For
Small to medium-sized businesses needing advanced cash flow forecasting and scenario planning integrated with their accounting software.
Pricing
Starts at £29/user/month (Starter), £49/user/month (Professional), with Enterprise custom pricing; annual discounts available.
QuickBooks Online
enterpriseCloud accounting software with built-in cash flow insights, tracking, and forecasting reports.
Cash Flow Planner with AI-driven forecasts based on real-time data and trends
QuickBooks Online is a leading cloud-based accounting software that excels in business cash flow management through real-time tracking of income, expenses, and bank transactions. It provides detailed cash flow reports, forecasting tools, and automated reconciliation to help businesses monitor and predict cash positions effectively. With integrations to numerous banks and apps, it streamlines financial workflows for small to medium enterprises.
Pros
- Comprehensive cash flow dashboards and forecasting powered by historical data
- Seamless bank integrations for automatic transaction imports and reconciliation
- Mobile app for on-the-go cash flow monitoring and invoicing
Cons
- Advanced forecasting requires higher-tier plans
- Steep learning curve for non-accountants using complex reports
- Additional costs for premium apps and support features
Best For
Small to medium-sized businesses seeking integrated accounting with robust cash flow tracking and forecasting.
Pricing
Starts at $30/month (Simple Start) to $200/month (Advanced), billed annually with a 30-day free trial.
Xero
enterpriseOnline accounting platform featuring cash flow dashboards, forecasting, and liquidity management tools.
Live bank feeds that automatically import and categorize transactions for real-time cash position updates across multiple accounts.
Xero is a cloud-based accounting software that excels in providing real-time visibility into business cash flow through automated bank feeds and reconciliation. It offers cash summary reports, inflow/outflow tracking, and basic forecasting tools to help businesses monitor and predict liquidity. While primarily an all-in-one accounting solution, its cash management features integrate seamlessly with invoicing, expenses, and payments for holistic financial oversight.
Pros
- Real-time bank feeds from 20,000+ institutions for instant cash visibility
- Customizable cash flow reports and dashboards with historical trends
- Seamless integration of invoicing, bills, and expenses into cash tracking
Cons
- Basic native forecasting lacks scenario planning or advanced projections
- Higher-tier plans required for full cash flow tools, increasing costs
- Less specialized for pure cash flow compared to dedicated tools
Best For
Small to medium-sized businesses needing integrated accounting with reliable day-to-day cash flow monitoring.
Pricing
Starts at $15/user/month (Early plan with basic reports); Growing ($42), Established ($78), Ultimate ($130+) unlock advanced cash flow features; annual discounts available, varies by country.
Fathom
specializedFinancial reporting and analytics tool that generates detailed cash flow statements and forecasts.
Unlimited what-if scenario planning for cash flow forecasts integrated with historical data
Fathom is a financial reporting and analytics platform designed for small to medium-sized businesses, offering automated reporting, customizable dashboards, and cash flow forecasting by integrating with accounting software like Xero, QuickBooks Online, and MYOB. It enables users to track KPIs, perform scenario planning, and consolidate financials across multiple entities for better cash flow visibility and decision-making. While strong in reporting, it provides solid but not industry-leading cash flow management tools compared to specialized solutions.
Pros
- Intuitive dashboards and automated reporting save significant time
- Seamless integrations with major accounting platforms
- Robust cash flow forecasting with scenario modeling
Cons
- Pricing increases with multiple entities or active businesses
- Limited advanced cash flow automation like bill payments
- Fewer integrations than broader platforms like QuickBooks
Best For
SMBs with 1-50 employees needing financial dashboards and forecasting alongside cash flow insights.
Pricing
Essential ($39/mo), Growth ($79/mo), Advanced ($149/mo) per business; annual billing discounts available.
PlanGuru
specializedBudgeting and financial forecasting software specializing in multi-scenario cash flow projections.
Dynamic driver-based planning that automatically links and updates interconnected financial statements for precise cash flow projections
PlanGuru is a comprehensive financial planning software focused on budgeting, forecasting, and cash flow management for small to mid-sized businesses. It enables users to create detailed rolling forecasts for profit & loss, balance sheets, and cash flows, with support for scenario planning and what-if analysis. The platform integrates seamlessly with QuickBooks, Xero, and Excel, allowing for data import and automated updates to streamline financial modeling.
Pros
- Powerful driver-based forecasting linking P&L, balance sheet, and cash flow
- Strong integrations with accounting software for accurate data syncing
- Advanced scenario modeling and analytics reports for strategic planning
Cons
- Steep learning curve for non-financial users
- Interface feels somewhat dated compared to modern SaaS tools
- Higher pricing may not suit very small businesses
Best For
Small to mid-sized businesses and financial teams needing robust, detailed cash flow forecasting and multi-scenario planning.
Pricing
Starts at $99/month (Basic, billed annually), $149/month (Professional), $299/month (Enterprise), with a 30-day free trial.
LivePlan
otherBusiness planning tool with integrated cash flow forecasting and performance tracking.
Fully automated, linked financial statements that update cash flow forecasts dynamically from P&L and sales inputs
LivePlan is a comprehensive business planning software that excels in creating detailed financial forecasts, including cash flow projections, profit and loss statements, and balance sheets. It allows users to track actual performance against forecasts in real-time and perform scenario planning for better cash flow management. With integrations to QuickBooks and Xero, it bridges planning with accounting data, making it suitable for small businesses focused on growth-oriented financial modeling.
Pros
- Robust cash flow forecasting with scenario planning
- Automatic integration of financial statements (P&L, cash flow, balance sheet)
- Easy integrations with QuickBooks and Xero for actuals tracking
Cons
- Limited real-time operational cash flow monitoring (e.g., no direct bank feeds)
- Higher cost for advanced features needed for pure cash management
- More planning-oriented than dedicated cash flow tools
Best For
Startups and small businesses needing business planning with integrated cash flow forecasting.
Pricing
Premium: $20/user/month (billed annually); Pro: $40/user/month; Enterprise: custom; 14-day free trial.
Sage Intacct
enterpriseCloud ERP system with advanced cash flow management, multi-entity consolidation, and forecasting.
Multi-entity cash consolidation with dimensional tracking for global visibility into cash positions across subsidiaries
Sage Intacct is a cloud-based financial management and ERP platform that excels in providing comprehensive accounting and cash flow management tools for mid-market businesses. It offers real-time cash visibility through dashboards, advanced forecasting, multi-entity consolidation, and automation of AP/AR processes to optimize liquidity and predict cash needs. With strong dimensional reporting, it enables detailed cash flow analysis across dimensions like location, project, or department.
Pros
- Robust cash flow forecasting with scenario modeling and real-time bank integrations
- Multi-entity and multi-dimensional reporting for complex organizations
- Seamless automation of AR/AP to accelerate cash inflows and control outflows
Cons
- High implementation costs and complexity requiring professional services
- Steep learning curve for users without accounting expertise
- Pricing is quote-based and can be expensive for smaller businesses
Best For
Mid-sized to enterprise businesses with multi-entity structures needing integrated ERP-level cash flow management alongside full accounting.
Pricing
Quote-based subscription starting at approximately $15,000-$30,000 annually depending on modules, users, and entities; additional implementation fees often apply.
Conclusion
Evaluating top business cash flow management software underscores Float as the definitive leader, with its direct accounting integration enabling accurate forecasting. Complementing it, Cash Flow Frog shines with visual, scenario-driven planning, and Dryrun stands out for its seamless invoicing and scenario analysis, each catering to distinct business needs while prioritizing financial clarity. Together, these tools highlight the strength of modern cash flow management solutions.
Don’t let cash flow challenges hold you back—try Float today to leverage its powerful forecasting and integration, and take control of your business’s financial future.
Tools Reviewed
All tools were independently evaluated for this comparison