Quick Overview
- 1#1: Float - Provides real-time cash flow forecasting and scenario planning by integrating with Xero, QuickBooks, and FreeAgent.
- 2#2: Cash Flow Frog - Automates cash flow forecasting, alerts, and scenario analysis directly from QuickBooks Online data.
- 3#3: Dryrun - Enables scenario-based cash flow forecasting and planning with visual reports and what-if analysis.
- 4#4: LivePlan - Offers comprehensive business planning with integrated cash flow projections, forecasting, and performance tracking.
- 5#5: PlanGuru - Delivers budgeting, forecasting, and financial modeling with advanced cash flow analysis tools.
- 6#6: Brixx - Builds interactive financial models for cash flow planning, P&L, and balance sheet forecasting.
- 7#7: Futrli - Provides AI-powered financial forecasting, cash flow predictions, and KPI tracking for accountants.
- 8#8: Pulse - Simplifies collaborative cash flow planning with visual timelines and scenario modeling.
- 9#9: Fathom - Generates financial reports, dashboards, and cash flow forecasts from accounting integrations.
- 10#10: Spotlight Reporting - Creates customized financial reports and forecasts including detailed cash flow projections.
We evaluated tools based on features like real-time forecasting and scenario modeling, integration capabilities, user-friendliness, and overall value to ensure a comprehensive and practical ranking.
Comparison Table
Effective cash flow planning is vital for financial management, and selecting the right software can simplify this process. This comparison table includes leading tools such as Float, Cash Flow Frog, Dryrun, LivePlan, PlanGuru, and more, outlining their key features to help readers find the best fit for their needs.
| # | Tool | Category | Overall | Features | Ease of Use | Value |
|---|---|---|---|---|---|---|
| 1 | Float Provides real-time cash flow forecasting and scenario planning by integrating with Xero, QuickBooks, and FreeAgent. | specialized | 9.6/10 | 9.8/10 | 9.4/10 | 9.3/10 |
| 2 | Cash Flow Frog Automates cash flow forecasting, alerts, and scenario analysis directly from QuickBooks Online data. | specialized | 8.7/10 | 8.9/10 | 9.1/10 | 8.4/10 |
| 3 | Dryrun Enables scenario-based cash flow forecasting and planning with visual reports and what-if analysis. | specialized | 8.4/10 | 8.6/10 | 9.0/10 | 8.0/10 |
| 4 | LivePlan Offers comprehensive business planning with integrated cash flow projections, forecasting, and performance tracking. | specialized | 8.7/10 | 9.2/10 | 8.5/10 | 8.0/10 |
| 5 | PlanGuru Delivers budgeting, forecasting, and financial modeling with advanced cash flow analysis tools. | specialized | 8.1/10 | 9.0/10 | 7.2/10 | 7.5/10 |
| 6 | Brixx Builds interactive financial models for cash flow planning, P&L, and balance sheet forecasting. | specialized | 8.2/10 | 8.7/10 | 8.9/10 | 7.6/10 |
| 7 | Futrli Provides AI-powered financial forecasting, cash flow predictions, and KPI tracking for accountants. | specialized | 8.2/10 | 8.7/10 | 8.4/10 | 7.9/10 |
| 8 | Pulse Simplifies collaborative cash flow planning with visual timelines and scenario modeling. | specialized | 7.6/10 | 7.8/10 | 8.2/10 | 7.0/10 |
| 9 | Fathom Generates financial reports, dashboards, and cash flow forecasts from accounting integrations. | specialized | 8.4/10 | 8.6/10 | 9.1/10 | 7.9/10 |
| 10 | Spotlight Reporting Creates customized financial reports and forecasts including detailed cash flow projections. | specialized | 7.8/10 | 8.2/10 | 7.4/10 | 7.6/10 |
Provides real-time cash flow forecasting and scenario planning by integrating with Xero, QuickBooks, and FreeAgent.
Automates cash flow forecasting, alerts, and scenario analysis directly from QuickBooks Online data.
Enables scenario-based cash flow forecasting and planning with visual reports and what-if analysis.
Offers comprehensive business planning with integrated cash flow projections, forecasting, and performance tracking.
Delivers budgeting, forecasting, and financial modeling with advanced cash flow analysis tools.
Builds interactive financial models for cash flow planning, P&L, and balance sheet forecasting.
Provides AI-powered financial forecasting, cash flow predictions, and KPI tracking for accountants.
Simplifies collaborative cash flow planning with visual timelines and scenario modeling.
Generates financial reports, dashboards, and cash flow forecasts from accounting integrations.
Creates customized financial reports and forecasts including detailed cash flow projections.
Float
specializedProvides real-time cash flow forecasting and scenario planning by integrating with Xero, QuickBooks, and FreeAgent.
Real-time profitability forecasting that automatically calculates cash flow based on scheduled projects and team capacity
Float is a powerful resource planning and forecasting tool that excels in cash flow planning by visualizing project timelines, capacity, and financial projections for agencies and teams. It integrates with accounting software like QuickBooks and Xero to sync real-time revenue, expenses, and profitability data, enabling accurate cash flow forecasts based on scheduled work. Users benefit from dynamic dashboards that predict future cash positions, helping to avoid shortfalls and optimize spending.
Pros
- Seamless integrations with accounting tools for real-time financial data syncing
- Visual timeline and dashboards for intuitive cash flow forecasting
- Robust profitability and revenue projections tied to resource scheduling
Cons
- Best suited for project-based businesses, less ideal for non-service industries
- Higher pricing tiers for larger teams can add up
- Advanced forecasting requires initial setup and data import
Best For
Agencies and professional services firms needing to forecast cash flow from project pipelines and resource allocation.
Pricing
Starts at $6/user/month (billed annually, minimum 5 users); scales to Enterprise with custom pricing.
Cash Flow Frog
specializedAutomates cash flow forecasting, alerts, and scenario analysis directly from QuickBooks Online data.
Dynamic scenario planning with drag-and-drop adjustments to simulate business changes and instantly see cash flow impacts
Cash Flow Frog is a specialized cash flow forecasting tool for small businesses, integrating seamlessly with QuickBooks Online and Xero to pull real-time data and generate accurate cash flow projections up to 12 months ahead. It offers visual timelines, scenario planning for what-if analyses, and automated alerts for potential cash shortages or surpluses. The platform helps users optimize payments, track AR/AP, and make data-driven decisions to improve liquidity.
Pros
- Intuitive visual cash flow timelines and drag-and-drop scenario planning
- Automatic integrations with QuickBooks and Xero for real-time data syncing
- Proactive alerts and recommendations to prevent cash flow issues
Cons
- Limited integrations beyond QuickBooks Online and Xero
- Advanced scenario features locked behind higher-tier plans
- No native mobile app for on-the-go access
Best For
Small to medium-sized businesses using QuickBooks or Xero that need simple, visual cash flow forecasting and scenario planning without a steep learning curve.
Pricing
Starts at $39/month (Basic, 1 user), $99/month (Pro, unlimited scenarios), with custom Enterprise pricing; 14-day free trial available.
Dryrun
specializedEnables scenario-based cash flow forecasting and planning with visual reports and what-if analysis.
Interactive drag-and-drop cash flow timeline for instant what-if scenario modeling
Dryrun is a cash flow forecasting tool designed for small to medium-sized businesses, integrating seamlessly with accounting software like QuickBooks Online, Xero, and FreeAgent to pull in real-time invoice and bill data. It generates visual cash flow forecasts, enables what-if scenario planning, and provides alerts for potential shortfalls, helping users make informed financial decisions. The platform emphasizes simplicity with drag-and-drop interfaces for adjusting forecasts and timelines.
Pros
- Seamless integrations with major accounting tools like QuickBooks and Xero
- Intuitive visual timelines and drag-and-drop scenario planning
- Real-time alerts and customizable reports for proactive cash management
Cons
- Limited advanced analytics compared to enterprise-level tools
- Fewer integrations outside core accounting platforms
- Pricing scales quickly for teams with multiple users
Best For
Small to medium businesses reliant on QuickBooks or Xero seeking simple, visual cash flow forecasting without complex setup.
Pricing
Starts at $49/month for Pro (1 user), $99/month for Business (up to 5 users), and custom Enterprise plans; billed annually for discounts.
LivePlan
specializedOffers comprehensive business planning with integrated cash flow projections, forecasting, and performance tracking.
Automatic forecasting engine that builds full financial statements, including cash flow, directly from sales and expense inputs
LivePlan is a robust business planning software that specializes in financial forecasting, including detailed cash flow projections, profit and loss statements, and balance sheets. It enables users to build interactive forecasts, perform scenario analysis, and track actual performance against plans in real-time. The platform integrates with QuickBooks and Xero to import real data, making it easier to manage cash flow for small businesses and startups.
Pros
- Comprehensive cash flow forecasting with scenario planning and what-if analysis
- Seamless integrations with QuickBooks and Xero for real-time data syncing
- Interactive dashboards for monitoring cash flow KPIs and variances
Cons
- Geared more toward full business planning than standalone cash flow tools
- Pricing can be steep for solo users or very small operations
- Advanced customization options are limited compared to specialized finance software
Best For
Small business owners and startups needing integrated business planning with reliable cash flow forecasting and investor-ready reports.
Pricing
Starts at $20/user/month (billed annually) for Premium; $40/user/month for Team plan with collaboration features.
PlanGuru
specializedDelivers budgeting, forecasting, and financial modeling with advanced cash flow analysis tools.
21 proven analytical forecasting methods, including unique regression and holding techniques for superior cash flow accuracy
PlanGuru is a robust financial planning software tailored for budgeting, forecasting, and detailed cash flow analysis, enabling users to build comprehensive financial models. It excels in cash flow planning with 21 distinct forecasting methods, including driver-based projections, scenario analysis, and what-if simulations for accurate liquidity management. The tool integrates seamlessly with QuickBooks, Xero, and Excel, supporting multi-entity consolidation and customizable reporting for small to mid-sized businesses and accounting professionals.
Pros
- 21 advanced forecasting methods for precise cash flow modeling
- Strong integrations with QuickBooks, Xero, and Excel
- Powerful scenario analysis and multi-entity consolidation
Cons
- Steep learning curve due to complex interface
- Primarily desktop-based with limited mobile access
- Higher pricing tiers required for full advanced features
Best For
Accounting firms and financial advisors handling complex cash flow forecasts for SMBs.
Pricing
Starts at $99/month (Basic), $149/month (Professional), $299/month (Enterprise); annual plans offer discounts.
Brixx
specializedBuilds interactive financial models for cash flow planning, P&L, and balance sheet forecasting.
The visual 'bricks' builder for creating interconnected financial models without coding or spreadsheets
Brixx is a cloud-based financial modeling platform designed for cash flow planning, allowing users to build interactive forecasts using a visual drag-and-drop interface that links P&L, balance sheet, and cash flow statements seamlessly. It excels in scenario planning, enabling quick what-if analyses and visualizations to predict future financial health. The tool supports collaboration and integrations with accounting software like Xero and QuickBooks, making it suitable for businesses transitioning from spreadsheets.
Pros
- Visual drag-and-drop model builder simplifies complex forecasting
- Real-time scenario modeling and what-if analysis
- Strong collaboration features for teams
Cons
- Higher pricing may deter very small businesses
- Limited advanced integrations compared to competitors
- Initial setup requires some financial modeling knowledge
Best For
Growing SMEs and finance teams needing intuitive, visual cash flow forecasting without spreadsheets.
Pricing
Starts at $99/user/month (billed annually) for Starter plan; Professional at $199/user/month with more scenarios and users.
Futrli
specializedProvides AI-powered financial forecasting, cash flow predictions, and KPI tracking for accountants.
Scenario Modeller for dynamic what-if simulations that instantly update cash flow forecasts
Futrli is a cloud-based financial forecasting platform designed specifically for cash flow planning, integrating with accounting tools like Xero, QuickBooks, and Sage to generate accurate forecasts from real-time data. It offers scenario modeling, KPI tracking, and interactive dashboards to help businesses predict cash positions, identify risks, and plan for growth. Users can collaborate on forecasts and run 'what-if' analyses to stress-test financial strategies.
Pros
- Seamless integrations with major accounting software for automated data syncing
- Powerful scenario planning tools for what-if analysis and risk assessment
- Intuitive dashboards providing real-time visibility into cash flow forecasts
Cons
- Higher pricing tiers may not suit very small startups
- Some advanced customizations require higher plans
- Occasional dependency on integration quality from third-party accounting apps
Best For
Small to medium-sized businesses with established accounting systems needing reliable cash flow forecasting and scenario planning.
Pricing
Starts at £49/month (Essentials) up to £199/month (Enterprise), with annual discounts available; free trial offered.
Pulse
specializedSimplifies collaborative cash flow planning with visual timelines and scenario modeling.
Live bank feed integrations that update cash flow forecasts in real-time without manual entry
Pulse (hello.pulse) is a cash flow planning software tailored for small businesses and startups, offering real-time forecasting by integrating with accounting platforms like Xero, QuickBooks, and bank feeds. It provides visual dashboards for tracking inflows, outflows, and cash runway, along with scenario planning to simulate 'what-if' situations. The tool emphasizes simplicity, helping users spot cash gaps early and plan accordingly without needing financial expertise.
Pros
- Seamless integrations with major accounting software and banks for automated data syncing
- Intuitive visual forecasts and scenario modeling for quick insights
- Affordable entry point with essential cash flow tools for SMBs
Cons
- Lacks advanced AI-driven predictions or multi-entity support found in top-tier tools
- Reporting and customization options are somewhat basic
- No native mobile app, relying on web access
Best For
Small business owners and startups needing straightforward, automated cash flow visibility without steep learning curves.
Pricing
Starts at $49/month for the basic plan (up to 1 user, 1 bank account), with Pro at $99/month and custom Enterprise pricing.
Fathom
specializedGenerates financial reports, dashboards, and cash flow forecasts from accounting integrations.
Unlimited what-if scenario modeling for driver-based cash flow forecasts
Fathom is a cloud-based financial intelligence platform that integrates seamlessly with accounting software like Xero, QuickBooks, and MYOB to deliver automated reporting, customizable dashboards, and advanced forecasting tools. For cash flow planning, it provides driver-based forecasting, scenario modeling, and real-time insights into liquidity, helping businesses predict and manage cash positions effectively. Its collaborative features allow teams to share reports and run what-if analyses without complex spreadsheets.
Pros
- Seamless integrations with major accounting platforms
- Intuitive drag-and-drop dashboards and reporting
- Robust scenario planning for cash flow forecasting
Cons
- Pricing can be steep for very small businesses or single users
- Advanced forecasting requires some financial modeling knowledge
- Limited native support for non-accounting data imports
Best For
Growing SMBs and mid-market companies needing integrated financial reporting with reliable cash flow forecasting capabilities.
Pricing
Starts at $49 USD/month (billed annually) for Reporter plan; scales to $199+/month for advanced forecasting and unlimited entities.
Spotlight Reporting
specializedCreates customized financial reports and forecasts including detailed cash flow projections.
Automated cash flow forecasting directly from live accounting transactions with drag-and-drop scenario modeling
Spotlight Reporting is a cloud-based financial analytics platform designed for SMEs and accountants, integrating directly with accounting software like Xero, QuickBooks, and MYOB to automate reporting and forecasting. It provides customizable dashboards, KPI tracking, and cash flow planning tools that generate accurate forecasts based on real-time transactional data. Users can perform scenario analysis and budgeting to predict cash positions, making it suitable for proactive financial management.
Pros
- Seamless integrations with major accounting platforms for real-time data syncing
- Robust cash flow forecasting with scenario planning and what-if analysis
- Customizable reports and multi-entity support for complex businesses
Cons
- Steeper learning curve for non-accountants due to reporting-focused interface
- Limited advanced driver-based modeling compared to dedicated FP&A tools
- Higher pricing tiers may not suit very small businesses
Best For
Accountants and SMEs needing integrated cash flow forecasting tied to accounting data for multi-entity reporting.
Pricing
Starts at $59 AUD/month for Essentials (1 entity), up to $499+ AUD/month for Enterprise plans with unlimited entities and advanced features.
Conclusion
The reviewed cash flow planning tools showcase a range of strengths, with Float leading as the top choice, offering real-time forecasting and seamless integrations. Cash Flow Frog and Dryrun, while not first, provide strong alternatives— Cash Flow Frog excels at automating from QuickBooks data, and Dryrun stands out with scenario-based planning. Regardless of needs, these tools empower better financial management, though Float remains the ultimate pick. When it comes to mastering cash flow, Float proves an indispensable ally.
Take the first step toward smarter cash flow management—try Float today to unlock real-time insights and gain control over your financial future.
Tools Reviewed
All tools were independently evaluated for this comparison