Best Cash Flow Forecasting Software in 2026
We compared Float, Fathom, Pulse, Cash Flow Frog, and Agicap on verified 2026 pricing and reviews to find the best cash flow forecasting software for you.
Is it right for you?
- Does it connect natively to your accounting platform (Xero, QuickBooks, Sage, NetSuite), or does someone have to export and re-import data manually?
- Do you need to forecast one company, or consolidate several entities and clients into one view?
- Does your business hold or spend money in more than one currency?
- Is pricing published on the vendor's site, or will you need to go through a sales call to get a number?
- Do you need a direct bank feed, or is syncing through your accounting software's existing connection close enough?
- How many "what-if" scenarios do you realistically need to run at once, one, five, or unlimited?
- Are you the only person who touches the forecast, or does a bookkeeper, controller, or outside accountant also need access?
Quick verdict
For a single small business already running Xero or QuickBooks Online: Float. For accounting and advisory firms forecasting across multiple client entities: Fathom, even though its pricing scales with the number of companies you manage. For the cheapest way to stop guessing your cash position, if QuickBooks Online is your only accounting platform: Pulse. For the broadest list of native integrations, including Sage Intacct, Zoho Books, and direct Plaid bank feeds: Cash Flow Frog. For mid-market or larger companies with treasury teams, multiple ERPs, and complex banking setups: Agicap, but budget time for a sales-quote process and be ready to sign a 12-month contract before you commit. None of these five is a universal best pick. The deciding factor is almost always which accounting platform you are already on and how many entities or bank connections you need pulled into one forecast.
Quick answer: which cash flow forecasting tool should you use
Five products cover most of this market in 2026: Float, Fathom, Pulse, Cash Flow Frog, and Agicap. Float is the best fit for a single small business already on QuickBooks Online or Xero that wants a 13-week to 3-year forecast without rebuilding a spreadsheet every Monday, starting at £79/month. Fathom is built for accountants and advisory firms managing several client entities at once, not a single-company tool, and its price scales with how many companies you load into it. Pulse is the cheapest entry point at $29 to $89/month, but it only connects to QuickBooks Online, nothing else. Cash Flow Frog has the widest accounting integration list we found (Xero, QuickBooks, Sage Intacct, Zoho Books, FreshBooks, Odoo) with revenue-tiered pricing starting near $33 to $55/month for businesses under $1 million in revenue. Agicap targets mid-market and larger companies with dedicated treasury teams and ERP systems, and it does not publish pricing at all, you get a custom quote with a 12-month minimum contract.
We pulled current pricing pages, checked G2 and/or Capterra ratings for each tool, and quoted specific user complaints, real bank-connector reliability issues, missing multi-currency support, per-company pricing that adds up fast, so the sections below give you enough to shortlist two tools instead of signing up for five trials.
Quick comparison: pricing, integrations, and best fit
| Tool | Starting price | Key integrations | Best for |
|---|---|---|---|
| Float | £79/mo (billed in GBP) | Xero, QuickBooks Online, FreeAgent | One SMB entity, fast setup |
| Fathom | $65/mo per company (AUD) | Xero, QBO, MYOB, Sage, Excel/Sheets | Accountants, multi-entity firms |
| Pulse | $29-89/mo | QuickBooks Online only | Solo owners, tight budget |
| Cash Flow Frog | $33-55/mo (under $1M revenue) | Xero, QBO, Sage Intacct, Zoho Books, FreshBooks, Odoo, Plaid | Broadest integrations, freelancers to accountants |
| Agicap | Custom quote, 12-mo minimum | QuickBooks, Xero, NetSuite, SAP, Dynamics 365 | Mid-market and larger treasury teams |
Prices above are starting points as published or reported by the vendor in July 2026. Fathom and Cash Flow Frog scale with how many companies or how much revenue you run through them, and Agicap does not publish a number at all, so treat these as a floor, not a full quote.
Float: best for a single small business on Xero or QuickBooks
Float (floatapp.com, not to be confused with the unrelated team-scheduling tool at float.com) is a forecasting layer that sits on top of Xero, QuickBooks Online, or FreeAgent. It does not connect to your bank directly, it pulls transaction and invoice data through whichever accounting platform you already use, then builds a 13-week to 3-year cash flow forecast from that data. Pricing is billed in GBP: Essentials runs £79/month for unlimited users and up to 5 forecast scenarios, Growth is £199/month for companies over £2 million in revenue with unlimited scenarios, and Scale is £235/month for businesses tracking up to 5 entities [floatapp.com/pricing, verified 2026-07-22]. Annual billing gets a 20% discount, and the 14-day free trial does not require a card.
On Capterra, Float holds a 4.8/5 rating across 67 reviews [Capterra, 2026]. Real users point to time saved over spreadsheets: "Float has made the management of cashflow significantly easier and smoother than a spreadsheet!" and, more bluntly, "Analyzing my business via Float kept us alive" [Capterra, 2026].
The complaints are specific rather than vague. Reviewers want multi-currency account support: "The product would be infinitely better if it supported multi-currency accounts." Others flag the mobile experience: "Could do with a good mobile view, the current one is very frustrating" [Capterra, 2026]. The Xero/QBO sync also runs on a roughly 24-hour cycle rather than in real time, so a payment posted this morning will not show up in your forecast until the next sync.
Float fits best when your books already live in Xero or QuickBooks Online, you run a single entity in one currency, and you want a forecast that updates on a schedule instead of a spreadsheet someone has to rebuild by hand.
Fathom: best for accountants managing multiple client entities
Fathom (fathomhq.com, a different product from the AI meeting notetaker that shares the same name) is a financial reporting and forecasting tool built around consolidating multiple companies, not running a single business. Pricing is billed in AUD and scales by how many companies you load in: the Pro Starter tier is $65/month for one company plus $65 for each additional one, Silver is $390/month for 10 companies plus $39 per extra, Gold is $540/month for 25 companies plus $17 per extra, and Platinum is $860/month for 50 companies plus $15 per extra. Accounting firms get a separate Portfolio tier: $62/month for 100 companies, $370/month for 300, or $500/month for unlimited companies [fathomhq.com/pricing, verified 2026-07-22]. There is a 14-day free trial with no contract required.
Fathom rates 4.8/5 on Capterra across 27 reviews [Capterra, 2026]. Real user quotes describe the consolidation feature specifically: "Syncs to QuickBooks instantly, updates regularly, and allows for unlimited groups to be created for the consolidation of financials between multiple companies," wrote one advisory services user, and "Fathom saves us hundreds (yes, hundreds) of hours per month in labor since we can build a template and copy it between entities," wrote another in accounting [Capterra, 2026]. A controller consultant flagged a real limitation: "The time it takes to refresh from pulling from external sources could be a bit faster in order to work more efficiently" [Capterra, 2026].
Integrations cover Xero, QuickBooks Online and QBO Advanced, MYOB Business, Sage Accounting, Access Financials, and direct export to Excel and Google Sheets. That range, plus the per-company pricing model, is why Fathom shows up most often inside accounting and CFO advisory firms rather than as a single company's only forecasting tool. If your business runs several legal entities under one roof rather than working with an outside accountant, our guide to multi-entity accounting software covers the broader ERP-level options built for that instead.
Pulse: the cheapest option, but QuickBooks Online only
Pulse (pulseapp.com) is the simplest and least expensive tool on this list. Basics starts at $29/month, the Small Business plan is $59/month and adds the QuickBooks Online connection along with multi-account and bookkeeper access, and Premium runs $89/month with unlimited accounts, multi-currency conversion, and invoice or contract attachments. There is a 30-day free trial, though a card is required upfront and you are charged automatically once the trial ends.
G2 reviewers rate Pulse 4.2/5, with particularly strong marks for ease of use (8.9/10), income and expense tracking (9.3/10), and data import (9.2/10), while quality of support trails at 8.6/10 [G2, 2026]. We could not pull a verified, direct verbatim review quote for Pulse during this research, so we are reporting the scored categories rather than inventing a quote that was not confirmed.
The real limitation is integration depth: Pulse connects to QuickBooks Online and nothing else, no Xero, no NetSuite, no Sage. If you run your books on anything other than QBO, none of Pulse's plans will work for you regardless of price. For businesses already spending significant time chasing customer payments rather than just watching a cash balance, our AR collections software guide covers tools built specifically for that side of the cash cycle.
Cash Flow Frog: the broadest integration list
Cash Flow Frog (cashflowfrog.com) prices by revenue tier through an interactive calculator rather than a flat rate card. For businesses under $1 million in revenue, the published numbers are $55/month billed monthly, or $33/month billed annually (roughly a 40% discount), with an additional discount available on a 2-year commitment. Pricing for larger revenue tiers is calculator-gated on the site and was not published in a form we could verify directly, so treat the $33-55/month figures as the entry tier only. There is a 30-day money-back guarantee and no card required to start.
Capterra rates Cash Flow Frog 4.8/5 across 16 reviews [Capterra, 2026]. Real users describe the forecasting depth directly: "The ability to look forward with all key cash flow drivers integrated is just straight up transformational," and "It used to take me days to build cash waterfall analysis, Cash Flow Frog cut that down to a few hours" [Capterra, 2026]. One older review flagged setup friction, "Very limited information about how best to use or set-up the software. Also very confusing how to access account information for billing", though that review dates to around 2018 and may not reflect the current product [Capterra].
The integration list is the widest we found in this category: QuickBooks Online, QuickBooks Desktop, Xero, Sage Intacct, Zoho Books, FreshBooks, Odoo, plus direct bank feeds through Plaid and CSV/Excel import [cashflowfrog.com/integrations, verified 2026-07-22]. That breadth makes it a reasonable pick for freelancers and small businesses on a less common accounting platform, and for accountants running Zoho Books clients specifically, since the Zoho connection is read-only and built with bookkeepers in mind.
Agicap: built for mid-market treasury teams, custom quote only
Agicap (agicap.com) sits above the other four tools in company size served. Its own pricing pages do not display a number anywhere, we checked both agicap.com/en/pricing and agicap.com/pricing directly, both of which route to a sales-quote process based on bank account count, revenue, entity count, and number of ERP systems connected. What is confirmed is that Agicap requires a 12-month minimum annual subscription and offers a short guided trial rather than a self-serve free trial [agicap.com, verified 2026-07-22].
Capterra rates Agicap 4.3/5 across 161 reviews, and G2 shows roughly 4.4/5 across an estimated 300-plus reviews [Capterra and G2, 2026]. Real users praise the visibility it gives into daily cash position: "I like it's easiness to use and the visibility it gives me to my cashflow. And all the integrations it has enable velocity for implementation," and "Agicap has proven to be a huge time-saving tool by automating the analysis and categorisation of bank transactions to assist with our monitoring of cash flow management" [Capterra, 2026].
The recurring complaint is bank connector reliability, not a one-off: "Bank connectors not relaible" [sic] and, separately, "Our bank connexion sometimes breaks, which is annoying" [sic] [Capterra, 2026]. For a company already managing enough entities that invoice-to-cash timing is a real forecasting variable, that kind of connector instability is worth pressure-testing during the guided trial before signing a 12-month contract.
Integrations run deep for ERP-connected businesses: QuickBooks, Xero, and NetSuite on the accounting side, plus Acumatica, Epicor, Microsoft Dynamics 365 Business Central, Sage 200, Sage Intacct, SAP Business One, SAP Business ByDesign, and SYSPRO on the ERP side, with bank connectivity through SWIFT and Host-to-Host protocols and an OpenAPI for custom connections [agicap.com, verified 2026-07-22]. Third-party comparison sites consistently describe Agicap as more expensive and more complex to implement than Float, Pulse, or Cash Flow Frog, which tracks with who it is actually built for.
How to choose based on your accounting setup
| Your situation | Recommended tool | Why |
|---|---|---|
| Single business, already on Xero or QuickBooks Online | Float | Fastest setup, 14-day trial, no card required, but GBP billing and no multi-currency. |
| Accounting or advisory firm with multiple client entities | Fathom | Purpose-built consolidation across companies, Portfolio pricing scales for firms managing many clients. |
| Solo owner or very small business, tight budget, on QuickBooks Online | Pulse | Cheapest entry price, but zero integration options beyond QBO. |
| Business on Sage Intacct, Zoho Books, FreshBooks, or Odoo | Cash Flow Frog | Only tool here that natively connects to all four; also has direct Plaid bank feeds. |
| Mid-market or larger, multiple ERPs, dedicated treasury staff | Agicap | Deepest ERP and bank connectivity, but no published pricing and a 12-month contract minimum. |
The mistake we see most often is picking a tool based on forecast features alone and only discovering the integration gap after signing up, a business on Sage Intacct trialing Pulse, or a five-entity firm trying to make Float's single-entity pricing work. Confirm the accounting or ERP connection first, then compare forecast depth. If your bottleneck is actually collecting what customers already owe you rather than forecasting it, our cash application software guide covers the tools built for that specific problem, matching incoming payments to open invoices faster so your forecast starts from cleaner data.
Frequently asked questions
Do I need separate forecasting software if I already use QuickBooks or Xero? QuickBooks and Xero record what already happened, they do not model what is coming. None of the five tools above replace your accounting software, they read from it and layer a forward-looking forecast on top, which is why every one of them requires an active QuickBooks, Xero, or similar connection to function at all [product integration pages, verified 2026-07-22].
Which of these has the easiest free trial to actually test? Float and Fathom both offer 14-day trials with no card required upfront. Cash Flow Frog offers 30 days with a money-back guarantee and no card required to start. Pulse requires a card upfront for its 30-day trial and bills automatically afterward. Agicap does not offer a self-serve trial at all, only a short guided walkthrough with a sales representative [vendor pricing pages, 2026].
Can an accountant use one of these tools across multiple clients? Fathom is explicitly built for this, with Portfolio pricing tiers running from 100 to unlimited companies for accounting firms specifically [fathomhq.com/pricing, 2026]. Cash Flow Frog also supports multiple client books through its Zoho Books read-only connection, though its pricing calculator is built around a single business's revenue rather than a firm-wide rate.
Why does Float bill in British pounds if it also serves US businesses? Float was founded in the UK and prices its plans in GBP regardless of where the customer is based [floatapp.com/pricing, verified 2026-07-22]. US-based buyers should convert the £79/£199/£235 monthly tiers at the current exchange rate before comparing against dollar-denominated competitors like Pulse or Cash Flow Frog.
How reliable are bank-feed connections in these tools? Reliability varies by product and by which bank you use. Agicap users specifically flagged connector instability in multiple independent reviews: "Bank connectors not relaible" and "Our bank connexion sometimes breaks, which is annoying" [Capterra, 2026]. Float, Fathom, and Pulse do not connect to banks directly at all, they sync through your accounting platform instead, which sidesteps bank-feed reliability issues but means their forecast is only as current as your last Xero or QuickBooks sync.
What happens if I sign Agicap's 12-month contract and it does not work out? Agicap's own site confirms the subscription is annual with a minimum 12-month term [agicap.com, verified 2026-07-22], so plan to use the guided trial period to stress-test bank connector stability and ERP sync accuracy before signing, rather than treating the contract as easily reversible if problems surface in month two.