Quick Overview
- 1#1: Float - Provides real-time cash flow forecasting and scenario planning integrated with accounting software.
- 2#2: Cash Flow Frog - Automates cash flow forecasting and alerts directly from QuickBooks or Xero data.
- 3#3: Runway - Delivers collaborative financial modeling with advanced cash flow projections for startups and SMBs.
- 4#4: Causal - Enables dynamic cash flow modeling using a modern, code-free spreadsheet interface for finance teams.
- 5#5: Dryrun - Offers scenario-based cash flow forecasting and planning linked to accounting systems.
- 6#6: Futrli - Generates predictive cash flow insights and reports from live accounting data.
- 7#7: Anaplan - Powers enterprise-scale cash flow modeling within a connected planning platform.
- 8#8: Pigment - Supports collaborative FP&A with real-time cash flow forecasting and what-if analysis.
- 9#9: Centage - Facilitates budgeting, forecasting, and cash flow management for mid-market businesses.
- 10#10: Planful - Provides continuous planning with integrated cash flow modeling and reporting.
We ranked tools based on key factors including functionality (e.g., forecasting, collaboration), ease of use, integration capabilities, and overall value, ensuring they cater to diverse user needs from startups to enterprise-level operations.
Comparison Table
Compare top cashflow modeling software, including Float, Cash Flow Frog, Runway, Causal, and Dryrun, in this guide that breaks down key features, usability, and pricing to help readers quickly identify the best fit for their business needs.
| # | Tool | Category | Overall | Features | Ease of Use | Value |
|---|---|---|---|---|---|---|
| 1 | Float Provides real-time cash flow forecasting and scenario planning integrated with accounting software. | specialized | 9.7/10 | 9.8/10 | 9.5/10 | 9.4/10 |
| 2 | Cash Flow Frog Automates cash flow forecasting and alerts directly from QuickBooks or Xero data. | specialized | 8.6/10 | 8.2/10 | 9.2/10 | 8.7/10 |
| 3 | Runway Delivers collaborative financial modeling with advanced cash flow projections for startups and SMBs. | specialized | 8.8/10 | 9.2/10 | 8.5/10 | 8.3/10 |
| 4 | Causal Enables dynamic cash flow modeling using a modern, code-free spreadsheet interface for finance teams. | specialized | 8.2/10 | 8.5/10 | 9.1/10 | 7.6/10 |
| 5 | Dryrun Offers scenario-based cash flow forecasting and planning linked to accounting systems. | specialized | 8.1/10 | 8.3/10 | 8.7/10 | 7.5/10 |
| 6 | Futrli Generates predictive cash flow insights and reports from live accounting data. | specialized | 8.1/10 | 8.5/10 | 7.9/10 | 7.6/10 |
| 7 | Anaplan Powers enterprise-scale cash flow modeling within a connected planning platform. | enterprise | 8.2/10 | 9.1/10 | 6.8/10 | 7.9/10 |
| 8 | Pigment Supports collaborative FP&A with real-time cash flow forecasting and what-if analysis. | enterprise | 8.2/10 | 9.1/10 | 7.6/10 | 7.4/10 |
| 9 | Centage Facilitates budgeting, forecasting, and cash flow management for mid-market businesses. | enterprise | 8.1/10 | 8.4/10 | 7.9/10 | 7.6/10 |
| 10 | Planful Provides continuous planning with integrated cash flow modeling and reporting. | enterprise | 8.1/10 | 8.5/10 | 7.7/10 | 7.6/10 |
Provides real-time cash flow forecasting and scenario planning integrated with accounting software.
Automates cash flow forecasting and alerts directly from QuickBooks or Xero data.
Delivers collaborative financial modeling with advanced cash flow projections for startups and SMBs.
Enables dynamic cash flow modeling using a modern, code-free spreadsheet interface for finance teams.
Offers scenario-based cash flow forecasting and planning linked to accounting systems.
Generates predictive cash flow insights and reports from live accounting data.
Powers enterprise-scale cash flow modeling within a connected planning platform.
Supports collaborative FP&A with real-time cash flow forecasting and what-if analysis.
Facilitates budgeting, forecasting, and cash flow management for mid-market businesses.
Provides continuous planning with integrated cash flow modeling and reporting.
Float
specializedProvides real-time cash flow forecasting and scenario planning integrated with accounting software.
Live cashflow timelines that automatically update as projects, resources, and financial data change in real-time
Float (floatapp.com) is a powerful resource scheduling and forecasting platform tailored for agencies and service-based teams, with robust cashflow modelling capabilities that project future inflows and outflows based on project timelines, budgets, and actuals. It visualizes cashflow through interactive timelines and dashboards, enabling users to forecast revenue from committed work and monitor profitability in real-time. By integrating with tools like QuickBooks, Xero, Jira, and Asana, Float ensures accurate, data-driven cashflow insights without manual data entry.
Pros
- Real-time cashflow forecasting synced with project schedules and resource allocation
- Extensive integrations with accounting and PM tools for seamless data flow
- Intuitive visual dashboards and scenario planning for what-if analysis
Cons
- Primarily optimized for agencies and service firms, less ideal for product-based businesses
- Pricing scales quickly with team size and advanced features
- Mobile app lacks full desktop functionality
Best For
Creative agencies, consultancies, and professional services firms that need precise cashflow modelling tied to project delivery and resource planning.
Pricing
Starts at $6/user/month (billed annually) for core features; Pro plan from $59/month for up to 5 users + $6/additional user; Enterprise custom.
Cash Flow Frog
specializedAutomates cash flow forecasting and alerts directly from QuickBooks or Xero data.
Interactive cash flow calendar that visualizes daily inflows, outflows, and balances with drag-and-drop scenario adjustments
Cash Flow Frog is a cash flow forecasting platform tailored for small businesses, integrating directly with QuickBooks Online and Xero to generate accurate 12-week cash flow predictions based on real-time accounting data. It offers visual timelines, scenario planning, and automated alerts for potential cash shortfalls, helping users optimize payments, invoicing, and financial decisions. The tool emphasizes simplicity, turning complex forecasts into intuitive dashboards without requiring manual data entry.
Pros
- Seamless integrations with QuickBooks and Xero for automatic data syncing
- Intuitive visual cash flow calendar for quick insights
- Affordable pricing with strong ROI for small businesses
Cons
- Limited to only two accounting integrations (no FreshBooks or others)
- Scenario planning lacks depth for very complex multi-entity businesses
- No native mobile app, relying on web access
Best For
Small business owners and freelancers using QuickBooks or Xero who want simple, visual cash flow forecasting to avoid shortfalls.
Pricing
Starts at $39/month (Solo, billed annually) up to $99/month (Teams); 14-day free trial available.
Runway
specializedDelivers collaborative financial modeling with advanced cash flow projections for startups and SMBs.
Live collaborative scenario planning with automatic data syncing from integrated financial sources
Runway (runway.com) is a financial planning platform tailored for startups and growing businesses, specializing in cash flow modeling, forecasting, and runway calculations. It enables users to build dynamic financial models, run unlimited scenarios, and integrate real-time data from tools like QuickBooks, Stripe, and Xero. The software emphasizes collaborative planning, helping teams visualize burn rates, capital needs, and growth trajectories with intuitive dashboards.
Pros
- Seamless integrations with accounting and payment tools for live data syncing
- Unlimited scenario modeling and collaborative real-time editing
- Professional-grade visualizations and dashboards for stakeholder presentations
Cons
- Primarily optimized for startups/SaaS, less ideal for traditional industries
- Pricing increases significantly with team size and advanced features
- Steeper learning curve for highly customized complex models
Best For
Startups and venture-backed companies seeking collaborative, data-driven cash flow forecasting and runway management.
Pricing
Free plan for basic use; paid plans start at $75/user/month (Scale) up to enterprise custom pricing.
Causal
specializedEnables dynamic cash flow modeling using a modern, code-free spreadsheet interface for finance teams.
AI-driven natural language modeling that translates plain English descriptions into functional cashflow formulas
Causal is an intuitive financial modeling platform designed for building dynamic cash flow forecasts using natural language prompts instead of complex spreadsheets. It integrates with tools like QuickBooks, Stripe, and Google Sheets to automate data inputs for revenue, expenses, and cash runway projections. The software supports collaborative scenario planning and real-time updates, making it suitable for startups and finance teams focused on cashflow management.
Pros
- Natural language interface simplifies model creation without coding or formulas
- Strong integrations for live data syncing into cashflow models
- Excellent collaboration and version control features
Cons
- Limited advanced customization for highly complex enterprise models
- Freemium model restricts full features to paid tiers
- Occasional performance lags with very large datasets
Best For
Startups and SMB finance teams seeking an accessible, collaborative tool for cashflow forecasting and scenario analysis.
Pricing
Free Starter plan for individuals; Pro from $50/month per editor; Team and Enterprise plans custom-priced.
Dryrun
specializedOffers scenario-based cash flow forecasting and planning linked to accounting systems.
Interactive scenario planner that lets users instantly model variables like delayed payments or revenue changes on a drag-and-drop timeline
Dryrun is a cash flow forecasting platform designed for small to medium businesses, integrating seamlessly with accounting software like QuickBooks Online and Xero to pull in real-time financial data. It enables users to create multiple 'what-if' scenarios for forecasting cash flow up to 12 months ahead, visualizing inflows, outflows, and net positions on an intuitive timeline. The tool helps prevent cash shortages by alerting users to potential issues and supporting proactive financial planning.
Pros
- Seamless integrations with major accounting tools like QuickBooks and Xero
- User-friendly visual cash flow timeline and scenario modeling
- Real-time alerts for cash flow risks
Cons
- Limited advanced customization for complex enterprise needs
- Pricing scales quickly for larger teams or higher usage
- Reporting features are basic compared to specialized tools
Best For
Small to medium-sized businesses using QuickBooks or Xero that need straightforward, visual cash flow forecasting without steep learning curves.
Pricing
Starts at $49/month (Pro plan, billed annually) for basic forecasting; Business plan at $99/month; custom Enterprise pricing.
Futrli
specializedGenerates predictive cash flow insights and reports from live accounting data.
AI-powered scenario planner with drag-and-drop interface for unlimited what-if cash flow simulations
Futrli is a cloud-based financial forecasting platform designed for cash flow modeling, integrating seamlessly with accounting tools like Xero and QuickBooks to generate real-time forecasts. It enables users to create detailed cash flow projections, run what-if scenarios, and visualize KPIs through interactive dashboards. The software leverages historical data and AI-driven insights to help businesses anticipate cash shortages and plan strategically.
Pros
- Seamless integrations with Xero and QuickBooks for automated data syncing
- Powerful scenario planning with unlimited what-if modeling
- Intuitive dashboards and visualizations for quick insights
Cons
- Pricing can be steep for very small businesses or solo users
- Relies heavily on integrations, limiting standalone functionality
- Steeper learning curve for advanced forecasting features
Best For
Small to medium-sized businesses integrated with Xero or QuickBooks seeking advanced cash flow forecasting and scenario analysis.
Pricing
Starts at £29/user/month (Ignite plan); higher tiers like Accelerate (£49) and Thrust (£99) unlock advanced features; annual discounts available.
Anaplan
enterprisePowers enterprise-scale cash flow modeling within a connected planning platform.
In-memory hyperblock engine for lightning-fast calculations across millions of data combinations
Anaplan is a cloud-based connected planning platform that excels in financial modeling, including sophisticated cash flow forecasting and scenario analysis. It enables users to build driver-based models integrating operational and financial data for accurate, real-time cash flow projections. The platform supports multi-dimensional hierarchies, rolling forecasts, and what-if simulations, making it ideal for enterprise-scale planning.
Pros
- Powerful multi-dimensional modeling for complex cash flow scenarios
- Real-time collaboration and instant recalculations on large datasets
- Seamless integrations with ERPs, CRMs, and other data sources
Cons
- Steep learning curve requiring training or consultants
- High implementation and ongoing costs
- Overkill for small businesses or simple cash flow needs
Best For
Enterprise finance teams requiring scalable, integrated cash flow modeling with advanced scenario planning.
Pricing
Custom enterprise pricing, typically $50K+ annually based on users, modules, and deployment size; no public tiers.
Pigment
enterpriseSupports collaborative FP&A with real-time cash flow forecasting and what-if analysis.
Multidimensional modeling engine enabling infinite hierarchies and real-time recalculations for dynamic cash flow scenarios
Pigment is a cloud-native business planning platform designed for FP&A teams, offering advanced cash flow modeling through driver-based forecasting, scenario planning, and multidimensional data handling. It integrates seamlessly with ERP, CRM, and HR systems to pull real-time data into customizable cash flow models, enabling what-if analysis and predictive insights. While versatile for broader financial planning, its cash flow capabilities shine in complex, enterprise-scale projections with collaborative editing and visual dashboards.
Pros
- Powerful multidimensional modeling for accurate cash flow drivers and hierarchies
- Real-time collaboration and scenario simulation for agile forecasting
- Seamless integrations with 100+ data sources for automated inputs
Cons
- Steep learning curve for non-technical users building complex models
- Enterprise pricing lacks transparency and suits larger budgets only
- Overkill for simple cash flow needs, with fewer pre-built templates than specialized tools
Best For
Mid-to-large enterprises with FP&A teams needing integrated cash flow modeling within comprehensive business planning.
Pricing
Custom enterprise pricing; typically $50,000+ annually based on users, modules, and data volume (contact sales required).
Centage
enterpriseFacilitates budgeting, forecasting, and cash flow management for mid-market businesses.
Driver-based planning engine that links operational drivers directly to cash flow outcomes for dynamic, accurate modeling
Centage's Planning Maestro is a cloud-based FP&A platform specializing in budgeting, forecasting, and cash flow modeling for mid-market companies. It enables driver-based cash flow projections, scenario analysis, and rolling forecasts integrated with ERP systems like QuickBooks and NetSuite. Finance teams can collaborate in real-time, generating accurate cash flow statements and insights without relying on spreadsheets.
Pros
- Robust driver-based cash flow modeling with automated forecasts
- Seamless integrations with major accounting and ERP systems
- Advanced scenario planning and what-if analysis tools
Cons
- Steep learning curve for complex model building
- Pricing is high for small businesses or startups
- Limited customization in reporting templates
Best For
Mid-sized companies with finance teams needing integrated FP&A and precise cash flow forecasting.
Pricing
Custom quote-based pricing; annual subscriptions typically start at $40,000+ depending on users and modules.
Planful
enterpriseProvides continuous planning with integrated cash flow modeling and reporting.
Signal AI for real-time anomaly detection and automated cash flow forecasting adjustments
Planful is a cloud-based Financial Performance Platform designed for enterprise FP&A, offering tools for planning, budgeting, forecasting, consolidation, and reporting. Its cash flow modelling capabilities are embedded within the Dynamic Planning module, enabling scenario analysis, driver-based forecasting, and integration with ERP systems for accurate cash projections. The platform also incorporates AI-driven insights via Signal to detect anomalies and enhance forecast accuracy.
Pros
- Comprehensive FP&A suite with strong scenario modelling for cash flows
- AI-powered Signal for anomaly detection and predictive insights
- Seamless integrations with major ERPs like NetSuite and SAP
Cons
- Steeper learning curve for non-expert users
- Enterprise-focused pricing limits accessibility for SMBs
- Less specialized for standalone cash flow needs compared to niche tools
Best For
Mid-to-large enterprises seeking an integrated FP&A platform with robust cash flow forecasting and scenario planning.
Pricing
Custom enterprise pricing, typically starting at $100,000+ annually based on users, modules, and deployment.
Conclusion
Across the top 10 cash flow modeling tools, the landscape is rich with solutions to fit varied needs—from real-time integration to enterprise-scale planning. Leading the pack is Float, recognized for its seamless real-time forecasting and accounting integration. Close behind, Cash Flow Frog impresses with automation from QuickBooks or Xero, while Runway stands out for its collaborative modeling, making them strong alternatives for different user priorities.
Take the first step toward smarter cash flow management by trying Float, the top-ranked tool, to unlock its intuitive insights and scenario planning capabilities.
Tools Reviewed
All tools were independently evaluated for this comparison