Quick Overview
- 1#1: Float - Provides real-time cash flow forecasting by integrating directly with accounting software like QuickBooks and Xero.
- 2#2: Pulse - AI-powered cash flow forecasting tool that predicts future cash positions with scenario planning.
- 3#3: Cash Flow Frog - Visual cash flow planning software for small businesses to forecast and manage cash effectively.
- 4#4: Dryrun - Cash flow forecasting and modeling tool that supports multiple scenarios and what-if analysis.
- 5#5: Fathom - Financial reporting platform with advanced cash flow analysis and KPI dashboards.
- 6#6: QuickBooks Online - Cloud accounting software featuring customizable cash flow reports and forecasting tools.
- 7#7: Xero - Online accounting platform with cash flow summary reports and forecasting integrations.
- 8#8: PlanGuru - Budgeting and financial forecasting software focused on detailed cash flow projections.
- 9#9: LivePlan - Business planning tool with integrated cash flow forecasting and reporting capabilities.
- 10#10: Spotlight Reporting - Business intelligence platform for accountants offering cash flow reporting and analytics.
We ranked these tools based on functionality, user experience, feature depth (including scenario modeling and integration capabilities), and overall value, ensuring relevance across business sizes and operational needs.
Comparison Table
This comparison table helps identify the best cash flow reporting software, including popular tools like Float, Pulse, Cash Flow Frog, Dryrun, Fathom, and more. Readers will discover key features, usability, and suitability for diverse business needs, guiding informed choices.
| # | Tool | Category | Overall | Features | Ease of Use | Value |
|---|---|---|---|---|---|---|
| 1 | Float Provides real-time cash flow forecasting by integrating directly with accounting software like QuickBooks and Xero. | specialized | 9.5/10 | 9.7/10 | 9.3/10 | 9.2/10 |
| 2 | Pulse AI-powered cash flow forecasting tool that predicts future cash positions with scenario planning. | specialized | 8.7/10 | 9.1/10 | 8.4/10 | 8.5/10 |
| 3 | Cash Flow Frog Visual cash flow planning software for small businesses to forecast and manage cash effectively. | specialized | 8.4/10 | 8.5/10 | 9.2/10 | 7.8/10 |
| 4 | Dryrun Cash flow forecasting and modeling tool that supports multiple scenarios and what-if analysis. | specialized | 8.4/10 | 8.7/10 | 8.9/10 | 8.1/10 |
| 5 | Fathom Financial reporting platform with advanced cash flow analysis and KPI dashboards. | specialized | 8.6/10 | 8.4/10 | 9.2/10 | 8.1/10 |
| 6 | QuickBooks Online Cloud accounting software featuring customizable cash flow reports and forecasting tools. | enterprise | 8.3/10 | 8.5/10 | 8.7/10 | 7.9/10 |
| 7 | Xero Online accounting platform with cash flow summary reports and forecasting integrations. | enterprise | 8.3/10 | 8.5/10 | 9.1/10 | 7.8/10 |
| 8 | PlanGuru Budgeting and financial forecasting software focused on detailed cash flow projections. | specialized | 8.1/10 | 8.6/10 | 7.4/10 | 7.8/10 |
| 9 | LivePlan Business planning tool with integrated cash flow forecasting and reporting capabilities. | specialized | 8.3/10 | 8.6/10 | 9.1/10 | 7.7/10 |
| 10 | Spotlight Reporting Business intelligence platform for accountants offering cash flow reporting and analytics. | enterprise | 7.8/10 | 8.2/10 | 7.5/10 | 7.6/10 |
Provides real-time cash flow forecasting by integrating directly with accounting software like QuickBooks and Xero.
AI-powered cash flow forecasting tool that predicts future cash positions with scenario planning.
Visual cash flow planning software for small businesses to forecast and manage cash effectively.
Cash flow forecasting and modeling tool that supports multiple scenarios and what-if analysis.
Financial reporting platform with advanced cash flow analysis and KPI dashboards.
Cloud accounting software featuring customizable cash flow reports and forecasting tools.
Online accounting platform with cash flow summary reports and forecasting integrations.
Budgeting and financial forecasting software focused on detailed cash flow projections.
Business planning tool with integrated cash flow forecasting and reporting capabilities.
Business intelligence platform for accountants offering cash flow reporting and analytics.
Float
specializedProvides real-time cash flow forecasting by integrating directly with accounting software like QuickBooks and Xero.
Schedule-driven profitability forecasting that automatically generates cash flow projections from live resource plans
Float (floatapp.com) is a powerful resource scheduling and planning tool that excels in cash flow reporting by forecasting revenue and profitability directly from project timelines and resource allocation. It integrates seamlessly with accounting software like QuickBooks and Xero to provide real-time insights into expected cash inflows from billable work and outflows from costs. Ideal for service-based teams, it transforms scheduling data into detailed cash flow forecasts, helping businesses anticipate financial bottlenecks and optimize profitability.
Pros
- Real-time cash flow forecasting tied directly to project schedules and resource utilization
- Strong integrations with accounting tools for accurate inflow/outflow tracking
- Customizable dashboards and reports for scenario planning
Cons
- Less suited for non-project-based businesses without billable hours tracking
- Pricing scales quickly with team size
- Advanced forecasting requires initial setup and data syncing
Best For
Creative agencies, consultancies, and professional services firms relying on project-based billing for precise cash flow visibility.
Pricing
Starts at $6/user/month (billed annually) for basic plans, up to $10/user/month for premium features including advanced forecasting; custom enterprise pricing available.
Pulse
specializedAI-powered cash flow forecasting tool that predicts future cash positions with scenario planning.
Dynamic scenario planning that lets users model multiple financial futures with drag-and-drop adjustments
Pulse (hellopulse.app) is a specialized cash flow reporting and forecasting software that delivers real-time insights into business liquidity by integrating with accounting tools like QuickBooks, Xero, and bank feeds. It automates cash flow projections, generates customizable reports, and supports scenario planning to help users anticipate financial outcomes. Ideal for SMBs, it emphasizes forward-looking analysis over historical reporting alone.
Pros
- Seamless integrations with major accounting platforms
- Powerful scenario modeling for what-if analysis
- Visual dashboards with real-time cash flow updates
Cons
- Pricing can be steep for solo entrepreneurs
- Limited advanced customization in report templates
- Steeper learning curve for complex forecasting setups
Best For
Small to medium-sized businesses seeking robust, predictive cash flow reporting and forecasting capabilities.
Pricing
Starts at $49/month (Starter), $99/month (Growth), $199/month (Pro); annual discounts available.
Cash Flow Frog
specializedVisual cash flow planning software for small businesses to forecast and manage cash effectively.
The interactive 'Frog Timeline' that visually animates cash inflows, outflows, and shortfalls for at-a-glance insights.
Cash Flow Frog is a user-friendly cash flow forecasting and management tool tailored for small businesses, integrating directly with QuickBooks Online and Xero to automate data import and generate visual forecasts. It provides a timeline view of future cash positions, tracks outstanding invoices, and sends alerts for potential shortfalls. The software also supports scenario planning to test 'what-if' situations like delayed payments or increased expenses.
Pros
- Seamless integrations with QuickBooks and Xero for automatic data syncing
- Intuitive visual timeline for easy cash flow visualization
- Scenario planning and shortfall alerts to proactively manage finances
Cons
- Limited advanced analytics compared to enterprise tools
- No free plan; trial is short and plans start relatively high
- Fewer customization options for complex reporting needs
Best For
Small business owners and freelancers needing simple, visual cash flow forecasting without advanced accounting expertise.
Pricing
Starts at $39/month (Basic), $69/month (Pro), $129/month (Elite), billed annually with a 14-day free trial.
Dryrun
specializedCash flow forecasting and modeling tool that supports multiple scenarios and what-if analysis.
Instant what-if scenario builder that lets users drag-and-drop changes to invoices or expenses for immediate visual cash flow impact
Dryrun is a cash flow forecasting and reporting tool that integrates seamlessly with popular accounting software like QuickBooks Online, Xero, and FreeAgent to generate accurate cash flow projections based on real invoices, bills, and recurring revenue. It provides visual dashboards, scenario planning, and customizable reports to help businesses anticipate cash shortages or surpluses. Users can run what-if analyses to model the impact of various financial decisions on future cash positions.
Pros
- Seamless integrations with major accounting platforms for real-time data syncing
- Intuitive visual dashboards and what-if scenario modeling for quick insights
- Customizable reports and forecasting accuracy tailored to small businesses
Cons
- Limited advanced analytics compared to enterprise-level tools
- Pricing scales quickly for teams needing more users or historical data
- No native mobile app, relying on web access
Best For
Small to medium-sized businesses with existing accounting software integrations seeking straightforward cash flow forecasting and scenario planning.
Pricing
Starts at $49/month (Starter plan for 1 user, 3 months history), $99/month (Pro for 5 users, 12 months), up to custom Enterprise pricing.
Fathom
specializedFinancial reporting platform with advanced cash flow analysis and KPI dashboards.
Unlimited scenario modeling for what-if cash flow projections
Fathom is a financial reporting and analytics platform that integrates with popular accounting software like Xero, QuickBooks, and MYOB to automate the creation of customized reports and dashboards. It excels in delivering real-time insights into financial performance, including detailed cash flow statements, projections, and scenario modeling. Businesses use it to track cash flow trends, forecast liquidity, and share professional reports with stakeholders effortlessly.
Pros
- Seamless integrations with major accounting platforms
- Intuitive drag-and-drop report builder
- Real-time dashboards and scenario planning for cash flow
Cons
- Less specialized in advanced cash flow forecasting than dedicated tools
- Pricing scales quickly with additional organizations
- Limited native support for non-accounting data imports
Best For
Small to mid-sized businesses needing user-friendly financial reporting with reliable cash flow visibility alongside other KPIs.
Pricing
Starts at $39/month (billed annually) for Reporter plan; Analytics at $79/month, Advanced at $149/month; additional fees for extra organizations.
QuickBooks Online
enterpriseCloud accounting software featuring customizable cash flow reports and forecasting tools.
Cash flow forecast tool that uses real-time transaction data and historical trends for accurate projections.
QuickBooks Online is a comprehensive cloud-based accounting software that includes robust cash flow reporting tools as part of its broader financial management suite. It generates customizable cash flow statements, tracks inflows and outflows in real-time through bank integrations, and provides forecasting capabilities to project future cash positions. While not a standalone cash flow tool, it excels in integrating cash flow insights with invoicing, expenses, and payroll for holistic business oversight.
Pros
- Real-time bank feeds for accurate cash flow tracking
- Customizable reports and dashboards for detailed analysis
- Seamless integration with other accounting functions
Cons
- Advanced forecasting requires higher-tier plans
- Interface can feel cluttered for cash flow-only users
- Pricing escalates quickly for full feature access
Best For
Small to medium-sized businesses needing integrated accounting with reliable cash flow reporting and forecasting.
Pricing
Starts at $30/month (Simple Start, basic reports); cash flow tools in Plus ($90/month), Advanced ($200/month).
Xero
enterpriseOnline accounting platform with cash flow summary reports and forecasting integrations.
Live bank reconciliation that automatically populates cash flow reports with transaction data
Xero is a cloud-based accounting software designed primarily for small to medium-sized businesses, offering integrated cash flow reporting through real-time dashboards, cash summaries, and bank reconciliation tools. It provides customizable reports and basic forecasting capabilities to track inflows, outflows, and predict short-term liquidity. While not a standalone cash flow tool, its seamless integration with bank feeds and accounting functions makes it effective for ongoing cash management.
Pros
- Real-time bank feeds for accurate, automated cash flow updates
- Intuitive dashboard with cash summary and customizable reports
- Strong mobile app for on-the-go cash monitoring
Cons
- Advanced forecasting requires third-party apps like Float
- Pricing escalates quickly for businesses needing full features
- Limited native scenario modeling compared to dedicated cash flow tools
Best For
Small to medium businesses seeking an all-in-one accounting platform with reliable cash flow visibility integrated into daily operations.
Pricing
Starts at $15/user/month (Early plan) up to $78/user/month (Established plan), billed annually with a 30-day free trial.
PlanGuru
specializedBudgeting and financial forecasting software focused on detailed cash flow projections.
Rolling forecasts that provide continuous 12-60 month cash flow projections without manual model rebuilds
PlanGuru is a robust financial planning and analysis (FP&A) software designed for budgeting, forecasting, and reporting, with specialized tools for cash flow management. It enables users to build detailed cash flow projections using rolling forecasts, scenario modeling, and driver-based planning. The platform integrates with QuickBooks, Xero, and Excel, generating customizable cash flow reports and analytics to support strategic decision-making.
Pros
- Powerful rolling cash flow forecasts that update automatically for ongoing visibility
- Scenario analysis and what-if modeling for cash flow stress testing
- Seamless integrations with accounting software for accurate data import
Cons
- Steep learning curve due to Excel-like interface and advanced features
- Dated user interface compared to modern cloud-native tools
- Pricing can be high for solo users or very small businesses
Best For
Small to mid-sized businesses and financial teams needing advanced cash flow forecasting and planning integrated with existing accounting systems.
Pricing
Starts at $1,188/year (Basic, 1 user), $2,388/year (Pro, 3 users), $4,788/year (Advanced, 5 users); Enterprise custom pricing with annual discounts.
LivePlan
specializedBusiness planning tool with integrated cash flow forecasting and reporting capabilities.
Live Forecasting engine that dynamically updates cash flow projections in real-time as sales, expense, or assumption inputs change
LivePlan is a cloud-based business planning platform that provides robust cash flow forecasting and reporting tools as part of its comprehensive financial suite. It enables users to generate detailed cash flow projections, track actuals versus forecasts through integrations with accounting software like QuickBooks and Xero, and visualize performance via interactive dashboards. While not a standalone cash flow tool, it excels in scenario planning and real-time updates for small businesses managing liquidity.
Pros
- Seamless integrations with QuickBooks and Xero for automatic data import and actuals tracking
- Intuitive drag-and-drop interface for building and adjusting cash flow forecasts
- Real-time dashboards and customizable reports for quick cash flow insights
Cons
- Less specialized for advanced cash flow analytics compared to dedicated reporting tools
- Pricing can feel steep for users needing only cash flow features without full planning suite
- Limited options for highly customized cash flow categories or complex multi-entity reporting
Best For
Startups and small businesses seeking integrated business planning with reliable cash flow forecasting and tracking.
Pricing
Starts at $20/user/month (Standard, billed annually); Premium at $40/user/month with advanced forecasting and unlimited integrations.
Spotlight Reporting
enterpriseBusiness intelligence platform for accountants offering cash flow reporting and analytics.
Automated cash flow forecasting directly from live accounting integrations with scenario planning
Spotlight Reporting is a cloud-based platform that integrates seamlessly with popular accounting software like Xero, QuickBooks, and MYOB to automate financial reporting and dashboards. It specializes in cash flow forecasting, KPI tracking, budgeting, and variance analysis, providing real-time insights into business performance. Users can customize reports and visualizations to monitor cash flow trends effectively, making it suitable for SMEs focused on financial visibility.
Pros
- Seamless integrations with major accounting tools for automated cash flow data pulls
- Customizable dashboards and forecasting reports tailored to cash flow management
- Real-time updates and mobile access for on-the-go monitoring
Cons
- Steep learning curve for advanced customizations
- Pricing can be high for very small businesses
- Limited built-in AI or predictive analytics beyond basic forecasting
Best For
Mid-sized businesses and accountants seeking automated, accounting-integrated cash flow reporting and forecasting without needing a full BI tool.
Pricing
Starts at around $49/month for basic plans (billed annually), with tiered options up to $199+/month for advanced features and unlimited users.
Conclusion
Reviewing the top 10 cash flow reporting tools, Float leads as the top choice, excelling with real-time forecasting and accounting software integration. Pulse impresses with AI-driven scenario planning, while Cash Flow Frog stands out as a visual, small-business-focused solution—strong alternatives for varied needs. Ultimately, the right tool depends on priorities, but Float remains the go-to for its robust features and user-friendliness.
Don't miss out on Float's real-time insights and seamless forecasting—start today to take control of your cash flow and make smarter financial decisions.
Tools Reviewed
All tools were independently evaluated for this comparison