Best Cash Flow Forecasting Software in 2026: SMB to Treasury Compared

Best for: Owner-managed businesses and agencies that want a simple, low-cost cash flow view without accounting-system complexity.

• Published pricing with three clear tiers and no long-term contract beyond the terms of service.
• Premium adds unlimited financial accounts, currency conversion for reporting and attachments on cash flow entries.
• QuickBooks Online is the only accounting integration named on the official site, so Xero or ERP users will be entering more data by hand.

Our take: Pulse is a straightforward web app for business owners who think in terms of money in and money out rather than accounting entries. You add expected income and expenses, mark them as recurring, and view cash by day, week, month or year. Scenario testing is simple: switch a planned hire or a large contract off and watch the projected balance change. The Small Business plan at $59 per month is the one most teams will need, because it adds multiple accounts, invited access for a bookkeeper or investor, QuickBooks Online sync and actual-versus-projected tracking. In a trial, check how much manual entry your business really needs each week and whether QuickBooks sync covers your invoices and bills. Compared with Cash Flow Frog and Float, Pulse is less automated and lighter on integrations, but it is also the cheapest entry point on this page and the easiest to understand without finance training. It is not designed for multi-entity groups or bank-level treasury work.

Best for: Small businesses using QuickBooks, Xero, Zoho Books, FreshBooks or Odoo that want automated forecasts priced by revenue.

• Monthly, yearly and two-year billing, with listed discounts of 20% for yearly and 35% for two-year terms.
• Broad small-business integration list, including Plaid bank connections and QuickBooks Desktop.
• Because pricing scales with revenue, a fast-growing company can move into a higher tier, so model next year's revenue when you compare costs.

Our take: Cash Flow Frog connects to your accounting system and, optionally, to bank data through Plaid, then builds a forecast from invoices, bills and historical patterns. Its pricing model is unusual for this category: you choose your annual revenue on a slider and the price follows, so a company under $1M revenue sees a $55 per month list price on the Pro tier, while larger companies pay more. Annual and two-year terms cut that further, and the vendor offers a 30-day money-back guarantee. The integration list is the broadest among the low-cost tools here, which matters if you run Zoho Books, FreshBooks or QuickBooks Desktop. In a trial, connect your real ledger and check how the tool treats overdue receivables and irregular expenses, since that drives forecast quality. Compared with Float, Cash Flow Frog covers more accounting platforms and lists a lower entry price for small companies; Float offers unlimited users and a more structured 13-week view for finance teams.

Best for: Growing companies and their advisors who use Xero or QuickBooks Online and want a 13-week cash view plus longer monthly forecasts.

• Unlimited users on every plan, so owners, advisors and department heads can all view the forecast.
• Plan eligibility is tied to revenue: Essentials for companies under GBP 2m revenue, Growth above that.
• Float relies on Xero or QuickBooks Online for transaction data, so companies on other ledgers or ERPs cannot use it yet.

Our take: Float is built for companies that already keep clean books in Xero or QuickBooks Online and want forecasting that finance and non-finance people can read. It combines a 13-week rolling view for short-term cash management with monthly forecasts of up to three years on Growth and Scale, and its Intelligent Suggestions feature flags recurring costs from transaction history. Scenarios let you switch income and costs on or off and price new hires before you commit. Pricing is published in four currencies, and the 20% annual discount brings Essentials to $105 per month. Float says more than 8,000 finance teams use it. In a trial, check how your accounting categories map into forecast lines and how well the 24-hour sync suits your cash cycle. Compared with Cash Flow Frog, Float is more focused on finance-team workflows and multi-entity consolidation; compared with Agicap, it is narrower but has transparent pricing and no annual commitment on monthly plans.

Best for: SMBs and mid-market companies, especially in Europe, that want forecasting combined with direct bank connections and AP and AR tools.

• Direct bank connections rather than relying only on the accounting ledger for cash data.
• Reports more than 8,000 clients across 12 countries, with SMB and mid-market focus.
• You need a sales conversation to get a price, and the 12-month minimum means you are committed for a year once you sign.

Our take: Agicap combines cash forecasting with cash collection and supplier payment tools, so it suits finance teams that want one place to see bank balances, forecast cash and act on receivables and payables. It connects directly to banks through Open Banking and to more than 150 accounting and finance tools, which helps groups with several bank relationships or entities. Forecasting covers daily cash positioning, a 13-week view built on actuals, and a long-term plan, with scenarios you can compare across all three. The trade-off is commercial: Agicap does not publish prices, sells on an annual basis with a 12-month minimum, and quotes multi-company setups separately. In the guided test period, connect your main banks, check categorization accuracy on a month of real transactions, and ask how pricing changes when you add entities or AP and AR modules. Compared with Float, Agicap offers more connectivity and workflow; compared with Trovata and Kyriba, it is aimed at smaller finance teams.

Best for: Mid-market and upper-mid-market finance teams that want automated bank connectivity, cash positioning and machine-learning forecasts.

• One of the few treasury-grade tools in this category with a published starting price.
• Includes 3 to 5 hours of live training and unlimited in-app support; multi-year contracts are discounted.
• The $24k entry price covers one bank, so companies with several banking relationships should budget for a quote above the base package.

Our take: Trovata starts from the bank rather than the ledger. It manages connections to your banks over API, SWIFT or sFTP files, normalizes the transactions, and uses that history to train machine-learning forecast models. That approach suits companies with significant cash spread across accounts, where the main problem is visibility and the forecast should reflect actual bank flows. The Base Package is published at $24k per year and includes balances, cash positioning, reconciliation, payments over RTP, ACH and wires, Trovata AI and a developer API. A full Trovata TMS, with hedging, intercompany and in-house banking, is quoted separately. In a demo, ask how long connectivity takes for each of your banks, how forecast categories are tagged, and what a second or third bank adds to cost. Compared with Agicap, Trovata is more treasury-oriented and US-centric; compared with Kyriba, it has a published entry point and a lighter implementation.

Best for: Large and multinational companies that need forecasting inside a full treasury, payments and risk platform.

• Forecasting sits beside payments, FX and interest-rate risk, and hedge accounting in one platform.
• Kyriba says more than 4,000 organizations use its platform, and it is ISO 27001 and SOC 1 and SOC 2 certified.
• Kyriba is a full treasury system, so implementation, integration and licensing are sized for enterprise budgets and timelines.

Our take: Kyriba is a liquidity platform rather than a stand-alone forecasting app. Forecasts draw on ERP ledgers, bank statements and daily cash positions, and the platform applies machine-learning models, rolling forecast cycles and automated variance analysis that compares actuals with each forecast version. Scenario tools let treasury teams stress-test liquidity against delayed receivables, payment timing changes or market moves, and link the results to debt, investments and FX exposure. That breadth is the reason to choose it and also the reason it does not fit small companies. Pricing is not published. In a demo, ask for a forecast built on your own ERP extract, the expected implementation timeline, which bank connections are standard, and how forecast accuracy is measured. Compared with Trovata, Kyriba covers more treasury functions and more banks out of the box; compared with Float or Cash Flow Frog, it solves a different problem for a different buyer.