Best AI Cash Flow Forecasting Software: 8 Tools Compared
· Updated October 31, 2026
Part of our AI for Finance guide
The best AI cash flow forecasting software for most small businesses in 2026 is Float. It turns your QuickBooks Online or Xero data into a 13-week and monthly cash forecast, from about $215 a month.
Cash Flow Frog is the best value at about $55 a month. Pulse is the cheapest pick at about $29. Fathom suits accountants who want reports and forecasts together.
Bigger companies should look at Agicap or Kyriba, which sell on custom quotes. Prices were checked in October 2026.
What Is AI Cash Flow Forecasting Software?
AI cash flow forecasting software is a tool that predicts how much cash you will have in the weeks and months ahead, using data from your books and bank.
A spreadsheet forecast goes stale the day you build it. Cash flow forecasting software stays current because it pulls new data on its own.
Most tools follow the same steps:
- They connect to your accounting software.
- They read your open invoices, bills and past transactions.
- They project cash in and cash out over time.
- They let you test "what if" cases, like a new hire or a late payment.
The "AI" part varies a lot. Some tools spot recurring costs for you. Others let you ask questions about your forecast in plain English through a chat assistant.
Forecasting is one part of your money stack. For the wider set of tools, see our hub of AI finance tools.
Quick Comparison: 8 Best AI Cash Flow Forecasting Software
Float is our top pick overall, followed by Cash Flow Frog and Pulse. Here is how all 8 compare on best use, starting price and integrations. Prices were checked in October 2026 and often scale with users or volume, so confirm before you sign up.
| Tool | Best For | Starting Price | Works With |
|---|---|---|---|
| Float | Small businesses that want a simple visual cash forecast | Growth about $215/mo | QuickBooks Online, Xero |
| Cash Flow Frog | Budget forecasting with AI chat assistants | Pro about $55/mo | QuickBooks, Xero, Zoho Books, FreshBooks, Odoo |
| Pulse | Very small businesses that want low-cost cash tracking | Basics about $29/mo | QuickBooks Online |
| Fathom | Accountants and owners who want reports plus forecasts | Pro about $59/mo per company | Xero, QuickBooks Online, QuickBooks Desktop, MYOB, FreeAgent |
| LivePlan | Startups that need a business plan with forecasts | Standard about $15/mo billed yearly | QuickBooks Online, Xero |
| Jirav | Growing firms that want budgets, forecasts and reports | Controller Essentials from about $50/mo | Xero, Excel, Google Sheets |
| Agicap | Mid-market companies that want bank-connected forecasts | Quote only | 150+ accounting and finance tools (list on request) |
| Kyriba | Large companies that need treasury and liquidity planning | Quote only | ERP systems (named on request) |
What Makes Great Cash Flow Forecasting Software?
Great cash flow software gives you a forecast you trust without hours of manual work. It should update itself and make it easy to test decisions.
We weighed six things:
- Data sync. Whether it pulls from your accounting tool automatically.
- Forecast range. Whether it covers both the next 13 weeks and the next few years.
- Scenarios. How easily you can model hires, spending or growth.
- AI help. Whether it suggests entries or answers questions for you.
- Ease of use. How fast a busy owner can read the numbers.
- Price. Whether prices are published, and how much they rise as you grow.
Tools ranked higher when they publish clear prices. They ranked lower when every number sits behind a demo call.
A forecast is only as good as your books. Our list of the best AI accounting software covers the ledger side.
Best Cash Flow Software for Small Business
These three tools are the best cash flow software for small business owners who want published prices and a forecast that updates from their books.
1. Float: Best for small businesses that want a simple visual cash forecast
Float is a cash flow forecasting and planning tool that sits on top of your accounting software.
What it does well. Float gives you a 13-week rolling forecast for short-term cash. It also offers a monthly forecast up to three years out.
Its scenario tools let you switch income and costs on or off. That makes it easy to see what a new hire does to your runway before you commit.
Float says its Intelligent Suggestions feature finds recurring costs from your transaction history. That saves you typing in every regular bill.
Key features:
- 13-week rolling forecast plus monthly forecasts up to three years
- Weekly, 13-week and monthly views
- Scenario planning for hires and spending
- Sync with QuickBooks Online and Xero
Pricing. Growth is about $215 to $265 a month, and Scale is about $315 to $389 a month, depending on monthly or annual billing. There is a 14-day free trial with no card required. Checked in October 2026.
Best for: Owners who want a clear, visual forecast built from their books.
Limitations. It is one of the pricier small business picks. Float gets bank data through your accounting platform, not from banks directly, so your books must be up to date.
2. Cash Flow Frog: Best for budget forecasting with AI chat assistants
Cash Flow Frog is a low-cost cash flow forecasting tool for small businesses.
What it does well. It builds a live, rolling 36-month forecast from your connected accounting data. You can view it daily, weekly, monthly or quarterly.
It also tracks planned against actual results. That shows you where your forecast was off, so the next one gets better.
Its AI Connector is the standout. Cash Flow Frog says it works with assistants that support MCP, such as Claude, ChatGPT, Copilot and Gemini. You can ask questions and run scenarios in a chat, and the forecast updates as you talk.
Key features:
- Rolling 36-month cash flow forecast
- Planned versus actual tracking
- Multi-scenario forecasts up to three years
- AI Connector for MCP-compatible chat assistants
Pricing. Pro starts at about $55 a month at the standard monthly rate. The page also showed an early bird rate of about $33 a month and a 20% discount for yearly billing. Plans are based on revenue. It offers a 30-day money-back guarantee. Checked in October 2026.
Best for: Small businesses that want long-range forecasts on a tight budget.
Limitations. Price rises with your revenue tier, so check the tier that fits you. The AI Connector only helps if you already use a supported chat assistant.
3. Pulse: Best for very small businesses that want low-cost cash tracking
Pulse is a simple cash flow management app for small businesses and freelancers.
What it does well. Pulse keeps things basic. You see money coming in and going out, and how your cash balance will move.
The Small Business plan adds a QuickBooks Online connection. That means fewer entries to type by hand.
Key features:
- Three plans with published monthly prices
- QuickBooks Online sync on Small Business and above
- Extra features on the Premium plan
- 30-day free trial for new accounts
Pricing. Pulse Basics is about $29 a month. The Small Business plan is about $59 a month, and Premium is about $89 a month. Checked in October 2026.
Best for: Freelancers and micro businesses that want a cheap cash view.
Limitations. The pricing page names only QuickBooks Online as an integration, and not on Basics. The page does not describe AI features, so it is lighter than the tools above.
Best Cash Flow Forecasting Software for Planning and Reports
These three tools pair cash forecasts with financial reports, budgets or business plans. They suit accountants, startups and growing firms.
4. Fathom: Best for accountants and owners who want reports plus forecasts
Fathom is a financial reporting and analysis platform with forecasting built in.
What it does well. The Pro plan includes three-way cash flow forecasting. That links your profit and loss, balance sheet and cash flow, so a change in one shows up in the others.
Fathom connects to more accounting tools than most picks here. It is popular with accountants who serve many clients.
Key features:
- Three-way cash flow forecasting on Pro
- Reports and analysis for each connected company
- Portfolio plan for firms with many clients
- Sync with Xero, QuickBooks, MYOB, FreeAgent and Excel
Pricing. Fathom Pro is about $59 a month for one company, plus $59 for each extra company. Fathom Portfolio is about $67 a month for 100 companies, but forecasting needs a Pro upgrade per company. Enterprise is by quote. There is a 14-day free trial. Checked in October 2026.
Best for: Accountants and owners who want reports and forecasts in one place.
Limitations. Costs grow with each company you add. Portfolio does not include three-way forecasting on its own.
5. LivePlan: Best for startups that need a business plan with forecasts
LivePlan is business planning software that includes financial forecasts.
What it does well. LivePlan helps you write a business plan and build the numbers behind it. That is useful when you need a forecast for a lender or investor.
It connects to QuickBooks Online and Xero. That lets you compare your plan with real results over time.
Key features:
- Business plan builder with financial forecasts
- Standard and Premium plans with published prices
- Optional LivePlan Expert add-on
- Sync with QuickBooks Online and Xero
Pricing. Standard is about $20 a month, or about $15 a month billed yearly. Premium is about $40 a month, or about $30 billed yearly. The Expert add-on is about $30 a month. Checked in October 2026.
Best for: Founders writing a plan for funding.
Limitations. LivePlan is a planning tool first. If you only need a weekly cash view, Float or Cash Flow Frog is a closer fit.
6. Jirav: Best for growing firms that want budgets, forecasts and reports
Jirav is a financial planning and analysis platform for growing companies and accounting firms.
What it does well. Jirav covers budgets, forecasts and reports in one tool. It suits firms that have outgrown a single cash forecast.
Its pricing page lists accounting, workforce, Google Sheets and Excel integrations. It names Xero as a login option.
Key features:
- Budgeting, forecasting and reporting together
- Two plans with published starting prices
- Google Sheets and Excel integrations
- Xero login and connection
Pricing. Controller Essentials starts at about $50 a month. CFO Enterprise starts at about $150 a month. Both plans push you to request a demo, so your final price may differ. Checked in October 2026.
Best for: Growing companies and firms that need full planning, not just cash.
Limitations. The pricing page does not name its other accounting integrations. Ask Jirav to confirm your accounting tool before you sign.
Best Cash Flow Forecasting Software for Larger Companies
These two tools serve mid-market and large companies. Both sell on custom quotes and connect straight to banks or ERP systems.
7. Agicap: Best for mid-market companies that want bank-connected forecasts
Agicap is a cash management platform for small and mid-sized companies, with a strong base in Europe.
What it does well. Agicap syncs transactions in real time with thousands of banks, mostly in Europe. It uses open banking APIs and other connections.
It projects cash up to 13 weeks ahead from actual data. You can compare short-term, 13-week and long-term scenarios. Agicap says its AI helps cut spreadsheet work.
Key features:
- Real-time bank sync, mainly with European banks
- 13-week cash forecasts from actual data
- Scenario comparison for short and long term
- Agicap AI for cash management
Pricing. Agicap does not publish prices. Its FAQ says plans are annual, with a 12-month minimum. Checked in October 2026.
Best for: Mid-market firms, especially in Europe, with many bank accounts.
Limitations. There is no monthly option. Agicap says it works with more than 150 accounting and finance tools, but you must ask for the list.
8. Kyriba: Best for large companies that need treasury and liquidity planning
Kyriba is an enterprise treasury and liquidity platform.
What it does well. Kyriba lists cash forecasting as a core use case. It says it helps you forecast cash, liquidity and risk exposure.
It also handles payments, and says it can work with any ERP worldwide. Kyriba promotes an agentic AI product called TAI.
Key features:
- Cash, liquidity and risk forecasting
- Payment tools across ERP systems
- Agentic AI product (TAI)
- Built for global finance teams
Pricing. Kyriba does not publish prices. You need a demo and a quote. Checked in October 2026.
Best for: Large companies with treasury teams.
Limitations. It is far more than a small business needs. Its home page does not name specific ERPs, so confirm yours on a demo.
How Should You Choose Cash Flow Forecasting Software?
Pick the tool that matches your size, your accounting software and how far ahead you need to see. Start with the questions below.
- Which accounting tool do you use? Most picks sync with QuickBooks Online and Xero. Fathom also covers MYOB and FreeAgent. Cash Flow Frog adds Zoho Books, FreshBooks and Odoo.
- How far ahead do you need to look? For weekly cash, choose Float or Agicap. For three-year views, Float and Cash Flow Frog both go that far.
- What is your budget? Pulse and Cash Flow Frog cost the least. Float costs more but is very easy to read.
- Do you need a business plan too? LivePlan is built for that.
- Do you manage many companies? Fathom is priced per company and suits accountants.
- Are you a large firm? Agicap and Kyriba fit bigger teams with many bank accounts.
Use free trials where you can. Float and Fathom offer 14 days, and Pulse offers 30. Load your real data and check whether the forecast matches what you expect.
Your forecast also depends on when customers pay you. Our guide to the best AI accounts receivable software covers tools that speed up collections. For the bills side, see the best AI accounts payable software.
How We Evaluated This Cash Flow Forecasting Software
This list is built from vendor pricing pages, home pages and published plan details, checked on October 31, 2026. We did not run hands-on tests.
Here is how the list was made:
- We started with 12 well-known cash flow and planning tools.
- We checked each one's official pricing page for current prices.
- We listed integrations only when the vendor page named them.
- We dropped Dryrun because we could not reach its own pricing page.
- We ranked tools on data sync, forecast range, scenarios, AI help, ease of use and price.
Prices change often. Always confirm the current price on the vendor's site before you buy.
How Does AI Cash Flow Forecasting Work?
AI cash flow forecasting works by reading your past and planned transactions, then projecting your cash balance forward and updating it as new data arrives.
The process usually runs like this:
- Connects. It links to your accounting software or your bank.
- Reads. It pulls open invoices, bills and past payments.
- Spots patterns. It finds recurring costs and regular income.
- Projects. It builds a forecast for weeks, months or years.
- Updates. It refreshes the forecast as new transactions come in.
Some tools now add chat. Cash Flow Frog, for example, says you can ask a supported AI assistant to run scenarios on your forecast.
The forecast is only as good as your data. Late invoices or missing bills will throw it off. Keep your books current, and send invoices fast. Our list of the best AI invoicing software can help.
What Is a 13-Week Cash Flow Forecast?
A 13-week cash flow forecast is a week-by-week view of your expected cash for the next quarter. It helps you spot a cash gap before it hits.
Thirteen weeks is short enough to be accurate, but long enough to plan around. Lenders and finance teams often ask for one.
Two tools in this list name it on their pages:
- Float: offers a 13-week rolling forecast for short-term cash.
- Agicap: projects cash up to 13 weeks ahead from actual data.
Use a 13-week forecast for day-to-day choices. Use a longer monthly forecast for hiring and growth plans.
The Bottom Line
Float is the best AI cash flow forecasting software for most small businesses, thanks to clear 13-week and monthly forecasts from about $215 a month.
Cash Flow Frog is the best value, with AI chat support from about $55 a month. Pulse is the cheapest. Fathom suits accountants, LivePlan suits founders, and Jirav suits growing firms. Agicap and Kyriba cover larger companies.
Next steps: Check which accounting tool you use, decide how far ahead you need to see, and start one or two free trials. If you hold stock, the best AI inventory management software can sharpen your cost data. For more money tools, visit our hub of AI finance tools.
New to AI in finance?
Our complete guide explains AI for bookkeeping, expenses, payables, payroll, tax and forecasting, and where to start.
Frequently Asked Questions
What is the best AI cash flow forecasting software?
For most small businesses, Float is the best pick. It offers 13-week and monthly forecasts that sync with QuickBooks Online and Xero, from about $215 a month. Cash Flow Frog is the best value.
What is the cheapest cash flow forecasting software?
Pulse is the cheapest in this list, with Basics at about $29 a month. LivePlan Standard is about $15 a month billed yearly, but it is a planning tool first. Prices were checked in October 2026.
Which cash flow tools work with QuickBooks?
Float, Cash Flow Frog, Pulse, Fathom and LivePlan all name QuickBooks Online on their pages. Fathom and Cash Flow Frog also name QuickBooks Desktop.
Which cash flow tools work with Xero?
Float, Cash Flow Frog, Fathom, LivePlan and Jirav all name Xero on their pages. Check each vendor's site for the latest list.
Is there free cash flow forecasting software?
No tool in this list is free. Float and Fathom offer 14-day free trials, and Pulse offers a 30-day trial. Cash Flow Frog has a 30-day money-back guarantee.
How much does Agicap cost?
Agicap does not publish prices. Its FAQ says plans are annual with a 12-month minimum, so you need a quote.