Quick Overview
- 1#1: Float - Float generates accurate cash flow forecasts by integrating directly with Xero and QuickBooks Online.
- 2#2: Cash Flow Frog - Cash Flow Frog automates cash flow forecasting, scenario planning, and alerts for small businesses using QuickBooks or Xero.
- 3#3: Dryrun - Dryrun enables scenario-based cash flow forecasting and planning integrated with popular accounting software.
- 4#4: Fathom - Fathom provides financial analysis and reporting tools including customizable cash flow dashboards from accounting data.
- 5#5: Causal - Causal uses AI to build dynamic financial models and cash flow forecasts with real-time collaboration.
- 6#6: Spotlight Reporting - Spotlight Reporting delivers automated reports, dashboards, and cash flow forecasting for accountants and businesses.
- 7#7: QuickBooks Online - QuickBooks Online manages accounting, invoicing, and cash flow tracking with built-in forecasting reports.
- 8#8: Xero - Xero offers cloud accounting with cash flow insights, forecasting, and bank reconciliation features.
- 9#9: PlanGuru - PlanGuru supports budgeting, financial forecasting, and detailed cash flow analysis for businesses.
- 10#10: LivePlan - LivePlan helps create business plans with integrated cash flow projections and performance tracking.
Tools were evaluated based on integration capabilities, accuracy of forecasting, user-friendliness, and overall value, ensuring they deliver robust solutions for businesses across scales and industries.
Comparison Table
This comparison table examines leading cashflow software solutions, such as Float, Cash Flow Frog, Dryrun, Fathom, and Causal, offering readers clarity on each tool's core features, pricing structures, and usability to find the right fit for their financial planning requirements.
| # | Tool | Category | Overall | Features | Ease of Use | Value |
|---|---|---|---|---|---|---|
| 1 | Float Float generates accurate cash flow forecasts by integrating directly with Xero and QuickBooks Online. | specialized | 9.7/10 | 9.8/10 | 9.5/10 | 9.4/10 |
| 2 | Cash Flow Frog Cash Flow Frog automates cash flow forecasting, scenario planning, and alerts for small businesses using QuickBooks or Xero. | specialized | 9.1/10 | 9.2/10 | 9.4/10 | 8.7/10 |
| 3 | Dryrun Dryrun enables scenario-based cash flow forecasting and planning integrated with popular accounting software. | specialized | 8.4/10 | 9.0/10 | 8.7/10 | 7.9/10 |
| 4 | Fathom Fathom provides financial analysis and reporting tools including customizable cash flow dashboards from accounting data. | specialized | 8.7/10 | 8.9/10 | 9.2/10 | 8.3/10 |
| 5 | Causal Causal uses AI to build dynamic financial models and cash flow forecasts with real-time collaboration. | specialized | 8.7/10 | 9.2/10 | 8.5/10 | 8.0/10 |
| 6 | Spotlight Reporting Spotlight Reporting delivers automated reports, dashboards, and cash flow forecasting for accountants and businesses. | specialized | 8.2/10 | 8.7/10 | 7.9/10 | 8.0/10 |
| 7 | QuickBooks Online QuickBooks Online manages accounting, invoicing, and cash flow tracking with built-in forecasting reports. | enterprise | 8.1/10 | 8.5/10 | 7.9/10 | 7.7/10 |
| 8 | Xero Xero offers cloud accounting with cash flow insights, forecasting, and bank reconciliation features. | enterprise | 8.1/10 | 7.9/10 | 8.5/10 | 7.6/10 |
| 9 | PlanGuru PlanGuru supports budgeting, financial forecasting, and detailed cash flow analysis for businesses. | specialized | 8.1/10 | 9.0/10 | 7.2/10 | 7.7/10 |
| 10 | LivePlan LivePlan helps create business plans with integrated cash flow projections and performance tracking. | specialized | 7.6/10 | 8.2/10 | 8.5/10 | 6.8/10 |
Float generates accurate cash flow forecasts by integrating directly with Xero and QuickBooks Online.
Cash Flow Frog automates cash flow forecasting, scenario planning, and alerts for small businesses using QuickBooks or Xero.
Dryrun enables scenario-based cash flow forecasting and planning integrated with popular accounting software.
Fathom provides financial analysis and reporting tools including customizable cash flow dashboards from accounting data.
Causal uses AI to build dynamic financial models and cash flow forecasts with real-time collaboration.
Spotlight Reporting delivers automated reports, dashboards, and cash flow forecasting for accountants and businesses.
QuickBooks Online manages accounting, invoicing, and cash flow tracking with built-in forecasting reports.
Xero offers cloud accounting with cash flow insights, forecasting, and bank reconciliation features.
PlanGuru supports budgeting, financial forecasting, and detailed cash flow analysis for businesses.
LivePlan helps create business plans with integrated cash flow projections and performance tracking.
Float
specializedFloat generates accurate cash flow forecasts by integrating directly with Xero and QuickBooks Online.
Dynamic cashflow forecasting that automatically updates based on live project schedules and team capacity
Float is a powerful resource management and scheduling platform designed for agencies and teams, with robust cashflow forecasting capabilities that predict revenue, profitability, and expenses based on scheduled work and integrations with accounting tools like QuickBooks and Xero. It enables users to visualize team capacity, allocate resources to projects, track time, and generate accurate financial forecasts to manage cashflow proactively. By linking operational scheduling directly to financial insights, Float helps businesses avoid overcommitment and optimize profitability.
Pros
- Exceptional real-time cashflow forecasting tied to resource scheduling
- Intuitive drag-and-drop interface for easy planning
- Seamless integrations with accounting software for accurate data syncing
Cons
- Per-user pricing can become expensive for large teams
- Advanced forecasting requires setup with integrations
- Less ideal for non-service-based businesses without project scheduling needs
Best For
Creative agencies, consultancies, and service-based teams needing precise cashflow predictions from resource utilization.
Pricing
Starts at $6/user/month (billed annually) for basic plans; scales to $10-$15/user/month for advanced forecasting and reporting features.
Cash Flow Frog
specializedCash Flow Frog automates cash flow forecasting, scenario planning, and alerts for small businesses using QuickBooks or Xero.
The interactive 'Frog Timeline' that visualizes cash flow as a draggable calendar, instantly updating forecasts with transaction adjustments.
Cash Flow Frog is a cash flow forecasting and management platform tailored for small to medium-sized businesses, integrating directly with QuickBooks Online and Xero. It provides visual, interactive cash flow forecasts up to 12 months ahead, helping users predict shortfalls, optimize payments, and improve financial health. Key tools include automated AR/AP tracking, payment reminders, scenario planning, and real-time alerts to prevent cash crunches.
Pros
- Seamless integrations with QuickBooks and Xero for automatic data sync
- Intuitive visual cash flow timeline with drag-and-drop forecasting
- Proactive tools like payment chasers and shortfall alerts
Cons
- Limited to only QuickBooks Online and Xero integrations
- No dedicated mobile app, relying on web access
- Higher-tier plans required for advanced scenario modeling
Best For
Small to medium businesses using QuickBooks or Xero that need simple, visual cash flow forecasting without complex setups.
Pricing
Starter at $49/month, Pro at $99/month, Enterprise at $199/month (annual billing discounts available; 14-day free trial).
Dryrun
specializedDryrun enables scenario-based cash flow forecasting and planning integrated with popular accounting software.
Interactive drag-and-drop timeline for real-time cash flow visualization and scenario adjustments
Dryrun is a cash flow forecasting tool designed for small to medium-sized businesses, offering an interactive timeline to visualize and manage future cash inflows and outflows. It integrates with accounting platforms like QuickBooks Online, Xero, and FreshBooks, automatically syncing invoices, bills, and payments for accurate projections. Users can create multiple 'what-if' scenarios by dragging and dropping transactions, helping to anticipate cash shortages or surpluses.
Pros
- Visual drag-and-drop timeline for intuitive forecasting
- Seamless integrations with major accounting software
- Robust scenario planning for what-if analysis
Cons
- Higher pricing tiers may not suit very small businesses
- Limited advanced reporting and analytics
- No native mobile app for on-the-go access
Best For
Small to medium businesses seeking visual, scenario-based cash flow forecasting integrated with their accounting tools.
Pricing
Starts at $49/month (Basic, billed annually) for up to 3 users; Pro plan at $99/month; custom Enterprise pricing available.
Fathom
specializedFathom provides financial analysis and reporting tools including customizable cash flow dashboards from accounting data.
Automated cash flow forecasting with driver-based scenario planning and rolling 12-month projections
Fathom is a financial reporting and analytics platform designed for small to medium-sized businesses, integrating directly with Xero and QuickBooks Online to deliver real-time dashboards, KPIs, and customizable reports. It excels in cash flow analysis through automated forecasting tools, scenario planning, and variance reporting, helping users predict liquidity and make data-driven decisions. Beyond cash flow, it supports multi-entity consolidation and professional board packs, replacing manual spreadsheets with automated insights.
Pros
- Seamless integration with Xero and QuickBooks for instant data sync
- Powerful cash flow forecasting with scenario modeling and what-if analysis
- Intuitive, customizable dashboards that require minimal setup
Cons
- Integrations limited primarily to Xero and QuickBooks Online
- Pricing increases significantly for multiple companies or advanced features
- Forecasting relies heavily on historical data accuracy from source systems
Best For
SMBs using Xero or QuickBooks that need automated cash flow forecasting and professional reporting without hiring a dedicated finance team.
Pricing
Starts at $49/month (Simple plan, 1 company, billed annually); Pro at $99/month, Business at $199/month; custom enterprise pricing available.
Causal
specializedCausal uses AI to build dynamic financial models and cash flow forecasts with real-time collaboration.
Live data integrations that automatically update cash flow models in real-time
Causal is a collaborative financial modeling platform designed for building dynamic forecasts, including detailed cash flow projections, using an intuitive spreadsheet-like interface. It excels in integrating real-time data from tools like Stripe, QuickBooks, and HubSpot to automate inputs and enable scenario planning. Finance teams use it to replace static spreadsheets with version-controlled models that support what-if analysis and collaborative editing.
Pros
- Powerful scenario modeling and branching for cash flow forecasts
- Seamless real-time integrations with accounting and CRM tools
- Strong collaboration features with version history and permissions
Cons
- Pricing scales quickly for larger teams
- Limited pre-built templates for non-SaaS or traditional businesses
- Initial learning curve for complex custom models
Best For
Startups and growth-stage companies with finance teams needing collaborative, data-driven cash flow planning.
Pricing
Free Starter plan (limited); Pro from $50/user/month (billed annually); Enterprise custom.
Spotlight Reporting
specializedSpotlight Reporting delivers automated reports, dashboards, and cash flow forecasting for accountants and businesses.
Driver-based cash flow forecasting that allows scenario planning across multiple entities in real-time
Spotlight Reporting is a cloud-based analytics and reporting platform that integrates seamlessly with accounting software like Xero, QuickBooks, and MYOB to deliver automated financial dashboards, KPIs, and cash flow forecasting. It excels in providing real-time insights into cash flow trends, scenario planning, and multi-entity reporting for businesses and accounting practices. Users can customize reports and forecasts to monitor liquidity, predict shortfalls, and make data-driven decisions efficiently.
Pros
- Seamless integrations with major accounting platforms for automated data syncing
- Robust cash flow forecasting with scenario modeling and what-if analysis
- Multi-entity support ideal for practices managing multiple clients
Cons
- Pricing scales quickly with additional entities or advanced features
- Steeper learning curve for non-accountants customizing reports
- Limited standalone mobile app; best used via web browser
Best For
Accounting firms and financial advisors handling cash flow reporting for multiple small to medium-sized business clients.
Pricing
Starts at $99 AUD/month for basic single-entity plans; scales to $299+/month for multi-entity and enterprise features, with custom quotes available.
QuickBooks Online
enterpriseQuickBooks Online manages accounting, invoicing, and cash flow tracking with built-in forecasting reports.
Cash Flow Planner with AI-driven forecasts and scenario modeling
QuickBooks Online is a comprehensive cloud-based accounting software that includes robust cash flow management features for tracking inflows, outflows, and forecasting future cash positions. It provides real-time bank reconciliations, customizable cash flow reports, and scenario planning to help businesses maintain healthy liquidity. Ideal for small to medium businesses, it integrates seamlessly with invoicing, expenses, and payroll to give a holistic view of cash movements.
Pros
- Real-time bank feeds and automated transaction categorization for accurate cash tracking
- Advanced cash flow forecasting and scenario planning in higher tiers
- Extensive integrations with payment processors and apps for streamlined cash management
Cons
- Advanced cash flow tools locked behind expensive Plus and Advanced plans
- Steeper learning curve for non-accountants focused solely on cash flow
- Can feel bloated with full accounting features if only cash flow is needed
Best For
Small to medium-sized businesses seeking integrated accounting with reliable cash flow tracking and forecasting.
Pricing
Starts at $30/month (Simple Start, billed annually); cash flow forecasting requires Plus ($90/month) or Advanced ($200/month).
Xero
enterpriseXero offers cloud accounting with cash flow insights, forecasting, and bank reconciliation features.
Direct bank feeds with automatic transaction categorization for instant, accurate cashflow dashboards
Xero is a cloud-based accounting software platform that includes cashflow management features like real-time bank feeds, cash summary reports, and forecasting tools. It automates bank reconciliations and provides dashboards for monitoring cash inflows and outflows, helping businesses maintain visibility into their liquidity. While not a standalone cashflow tool, its integration with full accounting functions makes it suitable for small to medium enterprises needing holistic financial oversight.
Pros
- Seamless real-time bank integrations for accurate cashflow tracking
- Built-in cashflow forecasting and customizable reports
- Strong mobile app for on-the-go cashflow monitoring
Cons
- Cashflow tools are secondary to core accounting features, lacking advanced scenario modeling
- Pricing scales up quickly for businesses needing only cashflow basics
- Requires setup of full accounting data for optimal cashflow insights
Best For
Small to medium businesses seeking integrated accounting with reliable cashflow visibility and forecasting.
Pricing
Starts at $15/month (Early plan) up to $78/month (Established plan), billed annually; pricing varies by region and user count.
PlanGuru
specializedPlanGuru supports budgeting, financial forecasting, and detailed cash flow analysis for businesses.
Driver-based planning worksheets with over 100 pre-built templates for precise cash flow drivers and infinite scenarios
PlanGuru is a comprehensive financial planning and analysis software designed for budgeting, forecasting, and performance analytics, with a strong emphasis on cash flow projections, P&L, and balance sheets. It allows users to build detailed financial models using driver-based inputs, scenario planning, and integrations with QuickBooks and Excel. Ideal for businesses seeking long-term forecasting up to 20 years with granular monthly or quarterly detail.
Pros
- Robust cash flow forecasting with driver-based modeling
- Unlimited scenario analysis and what-if planning
- Seamless QuickBooks and Excel integration
Cons
- Steep learning curve for non-experts
- Primarily desktop-focused with limited mobile support
- Higher pricing compared to simpler cloud alternatives
Best For
Small to mid-sized businesses and financial professionals needing advanced, detailed cash flow forecasting and multi-year planning.
Pricing
Starts at $99/user/month (billed annually as $1,188/year) for Basic; Pro at $149/month ($1,788/year); Enterprise at $199/month ($2,388/year).
LivePlan
specializedLivePlan helps create business plans with integrated cash flow projections and performance tracking.
Industry benchmarks that compare your cash flow forecasts to real data from similar businesses
LivePlan is a business planning software that provides comprehensive financial forecasting tools, including detailed cash flow projections, profit and loss statements, and balance sheets. It enables users to create professional business plans, track actual performance against forecasts via dashboards, and integrate with accounting software like QuickBooks and Xero for real-time data. While strong in planning and forecasting, it supports ongoing cash flow management through scenario analysis and performance monitoring.
Pros
- Intuitive drag-and-drop interface for building cash flow forecasts
- Automatic linking of financial statements for accurate projections
- Real-time dashboards to monitor cash flow vs. actuals
Cons
- More focused on planning than daily cash flow operations
- Pricing can be steep for solo entrepreneurs
- Limited advanced what-if scenario tools compared to specialized cash flow apps
Best For
Startups and small businesses seeking integrated business planning with reliable cash flow forecasting and performance tracking.
Pricing
Premium plan starts at $20/user/month (billed annually), with Standard at $15/user/month and a 14-day free trial.
Conclusion
Float leads the pack as the top cashflow software, offering accurate forecasting through direct integrations with Xero and QuickBooks Online. Cash Flow Frog and Dryrun follow closely, with Cash Flow Frog excelling in automation and scenario planning for small businesses, and Dryrun impressing with scenario-based tools integrated into popular accounting systems—each offering strong alternatives to suit varied needs. Together, these top three tools set a high standard for effective cashflow management.
Don’t miss out on Float’s intuitive forecasting and seamless integrations—start using it today to gain clarity and control over your business’s financial future.
Tools Reviewed
All tools were independently evaluated for this comparison
Referenced in the comparison table and product reviews above.