Quick Overview
- 1#1: Float - Provides accurate cash flow forecasting, scenario planning, and real-time visibility by integrating with accounting software like QuickBooks and Xero.
- 2#2: Cash Flow Frog - Automates cash flow forecasting, shortfall predictions, and actionable insights for small businesses using QuickBooks or Xero.
- 3#3: Dryrun - Offers easy cash flow planning with what-if scenarios, forecasting, and integration with popular accounting platforms.
- 4#4: Fathom - Delivers powerful financial analysis, reporting, and cash flow insights for advisors and businesses.
- 5#5: PlanGuru - Enables detailed financial forecasting, budgeting, and cash flow projections with advanced analytics.
- 6#6: LivePlan - Streamlines business planning with integrated cash flow forecasting, scenario modeling, and performance tracking.
- 7#7: QuickBooks Online - Cloud-based accounting software featuring cash flow forecasting, reports, and management tools.
- 8#8: Xero - Online accounting platform with cash flow dashboards, forecasting, and liquidity insights.
- 9#9: Spotlight Reporting - Provides automated financial reporting, dashboards, and cash flow forecasting for SMEs.
- 10#10: Anaplan - Enterprise-grade connected planning platform for advanced cash flow modeling and analysis.
We evaluated tools based on key factors: accuracy of cash flow projections, integration capabilities with leading accounting systems, user-friendliness, scalability, and overall value, ensuring a reliable guide for businesses seeking to optimize their cash flow analysis.
Comparison Table
Managing cash flow efficiently is essential for businesses, and selecting the right software plays a key role in this process. This comparison table explores top tools including Float, Cash Flow Frog, Dryrun, Fathom, PlanGuru, and more, providing insights into features, usability, and pricing to help readers identify the best fit for their operations.
| # | Tool | Category | Overall | Features | Ease of Use | Value |
|---|---|---|---|---|---|---|
| 1 | Float Provides accurate cash flow forecasting, scenario planning, and real-time visibility by integrating with accounting software like QuickBooks and Xero. | specialized | 9.7/10 | 9.8/10 | 9.6/10 | 9.4/10 |
| 2 | Cash Flow Frog Automates cash flow forecasting, shortfall predictions, and actionable insights for small businesses using QuickBooks or Xero. | specialized | 8.7/10 | 8.5/10 | 9.2/10 | 8.0/10 |
| 3 | Dryrun Offers easy cash flow planning with what-if scenarios, forecasting, and integration with popular accounting platforms. | specialized | 8.7/10 | 9.0/10 | 8.5/10 | 8.2/10 |
| 4 | Fathom Delivers powerful financial analysis, reporting, and cash flow insights for advisors and businesses. | specialized | 8.7/10 | 8.9/10 | 9.2/10 | 8.5/10 |
| 5 | PlanGuru Enables detailed financial forecasting, budgeting, and cash flow projections with advanced analytics. | specialized | 8.2/10 | 8.7/10 | 7.4/10 | 7.8/10 |
| 6 | LivePlan Streamlines business planning with integrated cash flow forecasting, scenario modeling, and performance tracking. | specialized | 8.2/10 | 8.8/10 | 8.4/10 | 7.6/10 |
| 7 | QuickBooks Online Cloud-based accounting software featuring cash flow forecasting, reports, and management tools. | other | 7.8/10 | 7.5/10 | 8.5/10 | 7.9/10 |
| 8 | Xero Online accounting platform with cash flow dashboards, forecasting, and liquidity insights. | other | 8.2/10 | 7.8/10 | 9.1/10 | 7.9/10 |
| 9 | Spotlight Reporting Provides automated financial reporting, dashboards, and cash flow forecasting for SMEs. | specialized | 8.4/10 | 8.6/10 | 8.7/10 | 8.1/10 |
| 10 | Anaplan Enterprise-grade connected planning platform for advanced cash flow modeling and analysis. | enterprise | 8.2/10 | 9.1/10 | 6.8/10 | 7.4/10 |
Provides accurate cash flow forecasting, scenario planning, and real-time visibility by integrating with accounting software like QuickBooks and Xero.
Automates cash flow forecasting, shortfall predictions, and actionable insights for small businesses using QuickBooks or Xero.
Offers easy cash flow planning with what-if scenarios, forecasting, and integration with popular accounting platforms.
Delivers powerful financial analysis, reporting, and cash flow insights for advisors and businesses.
Enables detailed financial forecasting, budgeting, and cash flow projections with advanced analytics.
Streamlines business planning with integrated cash flow forecasting, scenario modeling, and performance tracking.
Cloud-based accounting software featuring cash flow forecasting, reports, and management tools.
Online accounting platform with cash flow dashboards, forecasting, and liquidity insights.
Provides automated financial reporting, dashboards, and cash flow forecasting for SMEs.
Enterprise-grade connected planning platform for advanced cash flow modeling and analysis.
Float
specializedProvides accurate cash flow forecasting, scenario planning, and real-time visibility by integrating with accounting software like QuickBooks and Xero.
Dynamic scenario planning that lets users instantly model and compare multiple cash flow forecasts based on real data adjustments.
Float (gofloat.io) is a specialized cash flow forecasting software that integrates directly with accounting platforms like Xero, QuickBooks, and FreeAgent to provide real-time visibility into business cash positions. It automates cash flow projections by combining bank transactions, invoices, bills, and recurring expenses into intuitive dashboards and graphs. Businesses can create multiple 'what-if' scenarios to stress-test financial plans and receive proactive alerts for potential cash shortages.
Pros
- Seamless integrations with major accounting software for automatic data syncing
- Highly accurate, real-time forecasts with visual dashboards and scenario modeling
- User-friendly interface with customizable alerts and reporting
Cons
- Limited support for non-integrated accounting systems or custom data imports
- Higher pricing tiers required for advanced multi-entity or team features
- Occasional delays in bank feed syncing during peak periods
Best For
Small to medium-sized businesses and finance teams seeking automated, visual cash flow forecasting without complex setup.
Pricing
Starts at $59/month (Simple plan) billed annually, up to $159/month (Advanced plan) for teams and multi-currency support.
Cash Flow Frog
specializedAutomates cash flow forecasting, shortfall predictions, and actionable insights for small businesses using QuickBooks or Xero.
Interactive 'What-If' scenario simulator that lets users instantly model changes like delayed payments or new expenses on their cash flow forecast
Cash Flow Frog is a specialized cash flow forecasting tool designed for small businesses, integrating directly with QuickBooks Online and Xero to provide accurate, visual cash flow predictions. It pulls in real-time financial data to forecast cash positions up to 12 months ahead, track overdue invoices, and simulate 'what-if' scenarios for better decision-making. The platform emphasizes simplicity with intuitive dashboards and alerts to prevent cash shortages.
Pros
- Seamless integration with QuickBooks and Xero for automated data syncing
- Visual, easy-to-understand cash flow forecasts and scenario planning
- Actionable alerts for invoices and low cash warnings
Cons
- Limited to only QuickBooks Online and Xero integrations
- No dedicated mobile app for on-the-go access
- Advanced features locked behind higher pricing tiers
Best For
Small business owners and freelancers relying on QuickBooks or Xero who need simple, visual cash flow forecasting without steep learning curves.
Pricing
Solo plan at $39/month (1 user, basic forecasting); Team at $79/month (up to 5 users, invoice tools); Pro at $149/month (unlimited users, advanced scenarios); annual discounts available.
Dryrun
specializedOffers easy cash flow planning with what-if scenarios, forecasting, and integration with popular accounting platforms.
Automated scenario planning that instantly models cash flow impacts from changes in sales, expenses, or payment terms using live accounting data
Dryrun is a cash flow forecasting platform that integrates seamlessly with accounting software like QuickBooks, Xero, and FreshBooks to automate cash flow projections based on real invoices, bills, and payments. It enables users to create accurate 12-18 month forecasts, run 'what-if' scenarios, and monitor variances through intuitive dashboards and alerts. Ideal for businesses seeking to replace manual spreadsheets with data-driven cash management.
Pros
- Seamless integrations with major accounting tools for automatic data sync
- Powerful scenario modeling for what-if analysis
- Visual dashboards and email alerts for proactive cash management
Cons
- Pricing can be steep for very small businesses or solopreneurs
- Limited built-in reporting customization compared to enterprise tools
- Occasional delays in data syncing during high-volume periods
Best For
Small to medium-sized businesses with existing accounting software integrations needing reliable, automated cash flow forecasting.
Pricing
Starts at $49/month (Starter, 1 user), $99/month (Pro, up to 5 users), $199/month (Enterprise); annual discounts available.
Fathom
specializedDelivers powerful financial analysis, reporting, and cash flow insights for advisors and businesses.
Scenario-based cash flow forecasting that allows what-if analysis for liquidity planning
Fathom is a cloud-based financial reporting and analytics platform designed for small to medium-sized businesses and advisors. It integrates with accounting software like Xero and QuickBooks to automate custom dashboards, KPI tracking, and professional reports. Key strengths include cash flow forecasting with scenario planning, helping users predict liquidity and make informed decisions.
Pros
- Seamless integrations with Xero, QuickBooks, and MYOB
- Intuitive drag-and-drop dashboards and forecasting tools
- Unlimited users and beautiful, client-ready reports
Cons
- Limited advanced AI-driven analytics compared to enterprise tools
- Forecasting requires initial data setup and familiarity
- Pricing increases with multiple business entities tracked
Best For
Small to medium businesses and accounting advisors needing automated cash flow insights and forecasting without a dedicated finance team.
Pricing
Tiered plans starting at $49/month (billed annually) for Essential (1 entity), up to $199/month for Advanced (10+ entities); 14-day free trial.
PlanGuru
specializedEnables detailed financial forecasting, budgeting, and cash flow projections with advanced analytics.
Unlimited analytic scenarios for comprehensive what-if cash flow modeling
PlanGuru is a robust financial planning and analysis software focused on budgeting, forecasting, and detailed cash flow management for small to mid-sized businesses. It allows users to create accurate cash flow projections, perform scenario analysis, and generate professional reports using data from QuickBooks or Excel imports. The tool excels in helping users model 'what-if' scenarios to anticipate liquidity needs and financial outcomes.
Pros
- Powerful scenario planning and what-if analysis for cash flow forecasting
- Seamless integrations with QuickBooks, Xero, and Excel
- Customizable reports and rolling forecasts for ongoing analysis
Cons
- Steep learning curve for non-expert users
- Higher pricing compared to simpler cash flow tools
- Limited real-time collaboration features
Best For
Financial professionals and accountants in SMBs needing advanced cash flow modeling and scenario planning.
Pricing
Starts at $99/month (Basic, billed annually), $149/month (Pro), up to $299/month (Enterprise).
LivePlan
specializedStreamlines business planning with integrated cash flow forecasting, scenario modeling, and performance tracking.
Industry benchmarks that contextualize cash flow forecasts against peers
LivePlan is a business planning software with strong cash flow forecasting capabilities, enabling users to generate detailed cash flow projections alongside full financial statements like P&L and balance sheets. It pulls data from accounting integrations such as QuickBooks and Xero for accurate, automated forecasts and supports scenario planning to model best/worst-case cash flows. The platform also provides dashboards for tracking actuals vs. forecasts, making it suitable for ongoing financial oversight in planning contexts.
Pros
- Seamless accounting software integrations for real data import
- Scenario modeling and what-if analysis for cash flow
- Interactive dashboards and industry benchmarks for validation
Cons
- Primarily planning-focused, less ideal for real-time cash management
- Higher cost may not justify for cash flow-only users
- Steep initial setup for complex businesses
Best For
Small business owners and startups needing integrated financial forecasting within broader business planning.
Pricing
Starts at $20/user/month (billed annually) for Solo plan; Team at $40/user/month; Enterprise custom.
QuickBooks Online
otherCloud-based accounting software featuring cash flow forecasting, reports, and management tools.
Cash Flow Planner, which uses historical data and projections to forecast short-term cash positions
QuickBooks Online is a comprehensive cloud-based accounting software from Intuit that provides cash flow analysis capabilities through customizable reports, real-time bank integrations, and forecasting tools. It tracks inflows and outflows, generates cash flow statements, and offers a Cash Flow Planner for projecting future cash positions. While primarily an all-in-one bookkeeping solution, its cash flow features help small businesses monitor liquidity and make informed financial decisions.
Pros
- Seamless integration with bank accounts for real-time cash flow visibility
- Customizable cash flow reports and forecasting tools available in higher plans
- User-friendly interface with mobile app support for on-the-go monitoring
Cons
- Advanced cash flow forecasting limited to higher-tier plans
- Not as specialized for complex scenario modeling as dedicated cash flow tools
- Subscription costs can add up for businesses needing full feature access
Best For
Small to medium-sized businesses seeking integrated accounting with reliable basic-to-intermediate cash flow tracking.
Pricing
Starts at $30/month (Simple Start) up to $200/month (Advanced); cash flow planner requires Plus ($90/month) or higher.
Xero
otherOnline accounting platform with cash flow dashboards, forecasting, and liquidity insights.
Real-time cash summary dashboard with automated bank reconciliation
Xero is a comprehensive cloud-based accounting software that includes robust cash flow management tools, providing real-time dashboards for tracking inflows and outflows. It offers cash summary reports, short-term cash flow forecasting, and scenario planning to help businesses monitor liquidity. While not a standalone cash flow tool, it integrates seamlessly with full accounting functions for holistic financial oversight.
Pros
- Real-time bank feeds for accurate cash tracking
- Intuitive dashboards and customizable reports
- Strong integrations with 1,000+ apps for enhanced forecasting
Cons
- Forecasting lacks advanced scenario modeling compared to dedicated tools
- Higher pricing tiers required for full cash flow features
- Limited customization for complex cash flow projections
Best For
Small to medium-sized businesses needing integrated accounting with reliable basic cash flow visibility.
Pricing
Plans start at $15/user/month (Early) up to $78/user/month (Established), billed annually.
Spotlight Reporting
specializedProvides automated financial reporting, dashboards, and cash flow forecasting for SMEs.
Automated rolling 12-month cash flow forecasts that pull directly from live accounting data and allow instant scenario what-if analysis.
Spotlight Reporting is a cloud-based financial reporting and analytics platform that integrates seamlessly with accounting software like Xero, QuickBooks, and MYOB to provide real-time dashboards and customizable reports. It excels in cash flow analysis by offering detailed cash flow statements, rolling forecasts, actual vs. budget comparisons, and scenario modeling tools. Designed for businesses seeking automated insights without manual data entry, it supports proactive cash management through KPI tracking and trend analysis.
Pros
- Seamless integrations with major accounting platforms for real-time data syncing
- Extensive library of pre-built cash flow reports and forecasting templates
- Intuitive drag-and-drop dashboard builder for customized cash flow visualizations
Cons
- Advanced forecasting requires some setup and familiarity with financial modeling
- Limited native support for non-accounting data sources without custom work
- Pricing scales up quickly for larger teams or complex needs
Best For
Small to medium-sized businesses using Xero or QuickBooks that need automated, real-time cash flow reporting and forecasting without a steep learning curve.
Pricing
Starts at $49 AUD/month for Essential plan (basic reporting), $99 AUD/month for Professional (advanced dashboards and forecasting), with Enterprise custom pricing.
Anaplan
enterpriseEnterprise-grade connected planning platform for advanced cash flow modeling and analysis.
Hyperblock in-memory engine enabling lightning-fast calculations on massive datasets
Anaplan is a cloud-based connected planning platform that excels in financial planning and analysis, including sophisticated cash flow forecasting and scenario modeling. It allows users to build multi-dimensional models integrating data from various sources for real-time cash flow visibility and what-if analysis. Primarily designed for enterprises, it supports collaborative planning across finance, operations, and supply chain functions.
Pros
- Powerful multi-dimensional modeling for complex cash flow scenarios and driver-based forecasting
- Real-time collaboration and scalability for enterprise-wide planning
- Robust integrations with ERPs, CRMs, and other data sources
Cons
- Steep learning curve requiring training or consultants for effective use
- High cost, often prohibitive for SMBs
- Overly complex for simple cash flow tracking needs
Best For
Large enterprises with complex, integrated planning requirements across multiple departments.
Pricing
Custom enterprise pricing via quote; typically starts at $1,000+ per user/month with implementation fees.
Conclusion
The top 10 cash flow analysis tools offer diverse strengths, with Float leading as the top choice, excelling in accurate forecasting, real-time integration, and scenario planning. Cash Flow Frog shines for its automation and actionable insights tailored to small businesses, while Dryrun stands out for easy planning and flexible what-if scenarios, making them strong alternatives for varied needs. Ultimately, the right tool depends on specific business requirements, but all deliver value in streamlining financial management.
Ready to take control of your cash flow? Start with Float—the top-ranked software—and unlock its powerful features to forecast, plan, and optimize your financial health.
Tools Reviewed
All tools were independently evaluated for this comparison