Cash Flow Forecasting & Budgeting Tools

A cashflow modelling tool for UK financial advisers with 25+ calculators and transparent pricing.

Editor's takeFE CashCalc has become the most-used cashflow modelling tool among UK advisers, holding roughly 45% market share after its acquisition by FE fundinfo. Pricing is unusually transparent for fintech at 75 GBP a month plus VAT per adviser, with a free paraplanner license included. Advisers handling highly complex actuarial cases note it offers less granular modelling than premium alternatives like Voyant, though most reviewers rate it easier to use.

Long-range financial planning with built-in Monte Carlo simulations and a debt scheduler.

Editor's takeOracle Scenario Modeling runs Monte Carlo simulations and a debt scheduler natively, automatically rebalancing income statements, balance sheets and cash flow as assumptions change, capabilities that usually need a plugin elsewhere. Oracle was named a Leader in the 2025 Gartner Magic Quadrant for Financial Planning Software, placing highest in ability to execute. The catch is scale and cost: the Enterprise edition requires a 25-user minimum near $500 per user monthly, and reviewers describe a steep learning curve plus slowdowns on large datasets.

Cash flow forecasting tool for QuickBooks users with predictive analytics and anomaly alerts.

Editor's takeCashFlowTool holds the top spot as the #1 cash flow service on the QuickBooks marketplace. That focus goes deeper into QuickBooks Desktop than most rivals manage. The tradeoff is scope, since it only supports QuickBooks and forecasts just 6 months out.

A cash flow forecasting tool built into Xero that predicts bills up to 90 days out.

Editor's takeXero builds cash flow forecasting into its ledger, so predictions update automatically from reconciled transactions. Analytics Plus needs at least three months of history and starts around $7 a month. The 90-day ceiling rules it out for annual budgeting or long-term planning.

A modular financial modeling platform generating 10-year 3-way forecasts through drag-and-drop building blocks instead of spreadsheet formulas.

Editor's takeBrixx's building-block modeling and 10-year horizon genuinely replace complex spreadsheet formulas for non-financial teams, backed by a strong 4.5/5 Trustpilot score. QuickBooks and Sage users should note the integration gap before committing, since Xero is currently the only fully synced platform.

Free Google Sheets financial model for ecommerce startups linking inventory planning, cash flow, and cohort retention.

Editor's takeMercury's ecommerce model packages a 3-statement forecast with ecommerce-specific logic, tying inventory purchase timing directly to cash flow and adding cohort-based retention curves. It ships free as an editable Google Sheets template built by Mercury's own VP of Finance, backed by a company serving over 200,000 businesses. The catch is manual upkeep: there is no automated sync with bank or store data, so founders must update actuals by hand each month.

AI inventory forecasting for Shopify brands, handling raw materials, bundles, and automated purchase orders.

Editor's takePrediko forecasts raw materials alongside finished goods, a capability normally reserved for full ERPs, which matters for D2C brands that manufacture their own products. Case studies show measurable results, including Healf cutting stockouts from 4 percent to 1 percent in two months. The lack of a public API limits how far it can plug into a custom tech stack beyond its 70-plus pre-built WMS integrations.

An AI-driven forecasting tool with automated 3-way projections and QuickBooks or Xero sync.

Editor's takeUpmetrics brings enterprise-style 3-way forecasting, cash flow, profit and loss, and balance sheet, down to a $14-a-month entry point, with AI suggestions flagging trends and risks along the way. Real-time sync with QuickBooks Online or Xero keeps projections current without manual re-entry. Coverage stops at those two platforms, though, and some users report limited chart customization and unclear notice before auto-renewal charges.

Financial forecasting and reporting software with 3-way cash flow modeling and consolidation for up to 300 entities.

Editor's takeFathom pairs visual, chart-heavy reporting with real financial depth, including 3-way cash flow forecasting and Microforecasts that model specific events like a new hire or asset purchase. It consolidates up to 300 entities across 97 currencies and syncs daily with QuickBooks, Xero, and MYOB. Pricing starts at $53 a month for one company and climbs to $720 for 50, with no permanent free tier.

FP&A platform with driver-based planning, 3-way statement modeling, and AI-powered forecasting.

Editor's takeJirav links the income statement, balance sheet, and cash flow into one dynamic model, then layers AI forecasting on top to detect seasonality automatically. It publishes pricing outright, rare in FP&A software, with a Starter plan at $10,000 a year and Pro at $15,000. G2 reviewers report a steep learning curve for teams moving off Excel.

3-way cash flow forecasting linking P&L, balance sheet, and cash flow with driver-based planning.

Editor's takeAccess Financials links profit and loss, balance sheet, and cash flow into one 3-way forecast, with driver-based planning for operational scenarios. Pricing transparency is rare for ERP software here, publishing exact tiers from £97 to £142 per user monthly. Users praise the interface as easy to learn, but several describe support as unresponsive or lacking product knowledge.

Dynamics 365 forecasts cash flow with machine learning, integrated across ledger, AP, AR, and budgeting data.

Editor's takeFinance Insights applies machine learning to predict when customers will actually pay, then feeds that into cash flow forecasts pulled from the general ledger, accounts payable, accounts receivable, and budgeting data. Running the AI model well needs real history, at least a year and ideally two to three years of data, which limits value for newer businesses. Full planning and forecasting capability sits behind the Finance Premium license at roughly $300 per user monthly, well above the roughly $210 base Finance license.

Budget-friendly cloud bookkeeping tool with unlimited users and native inventory, now discontinued in the US.

Editor's takeSage Business Cloud Accounting undercuts most rivals on price, bundling unlimited users and inventory tracking into affordable plans. That value proposition no longer applies to US customers, since Sage retired the product there on December 31, 2024. Outside the US, the mobile app still draws complaints for frequent crashes.

Treasury platform automating 13-week rolling cash flow forecasts and multi-entity consolidation for mid-market finance teams.

Editor's takeAgicap turns raw bank feeds into rolling 13-week forecasts and lets finance teams switch between a consolidated group view and individual entities in one click. It backs that with ISO 27001:2022 certification and connections to more than 5,000 banks across 50-plus countries. Pricing is custom and not published, and reviewers consistently call it expensive for smaller businesses, with some also citing slow bank integration during setup.

Treasury platform syncing bank feeds and ERPs in real time, automating 90% of entries with AI.

Editor's takeEmbat's founders came from JP Morgan, and the platform reflects that treasury background. It syncs bidirectionally with over 15,000 banks and major ERPs like SAP and NetSuite. Clients report saving up to 75% of time on treasury tasks, though some flag friction reconciling foreign currency.

Free cash flow forecasting tool built into U.S. Bank online banking for small business clients.

Editor's takeU.S. Bank folds cash flow forecasting directly into its online banking dashboard, so existing business customers get it automatically with no extra login or fee. Syncing with QuickBooks or FreshBooks pulls in upcoming bills for a fuller picture than bank data alone. New accounts have to wait though, since the tool requires 62 days of account activity before it can generate a forecast.

Corporate card and banking platform with built-in cash flow forecasting via its Pry Financials acquisition, free for Essentials.

Editor's takeBrex folds its Pry Financials acquisition into the spend platform, automating cash flow forecasts and runway tracking. It carries a $12.3 billion valuation and counts DoorDash and Airbnb among its customers. Eligibility stays strict, since sole proprietorships cannot open accounts and applicants generally need venture backing or $400k+ in monthly revenue.

A strategic finance platform unifying ERP, CRM, and HRIS data for automated cash flow forecasting.

Editor's takeMosaic pulls data from ERP, CRM, and HRIS systems into one forecasting model, cutting the manual spreadsheet work common in FP&A. Arc AI automates variance analysis and report drafting on top of that data. Pricing runs from roughly $10,000 to over $35,000 a year depending on the module tier, out of reach for very small teams.

AI financial planning platform running natural-language what-if scenarios on an in-memory Infinix engine.

Editor's takeProphix Copilot lets finance teams type questions like what happens if revenue drops 10 percent and get a modeled answer, powered by the in-memory Infinix engine built for large datasets. It holds HITRUST r2 certification, a rare bar in FP&A software, alongside SOC 2 Type 2 and multiple ISO standards. Third-party transaction data pegs the average annual contract around $205,000, and some customers report steep percentage increases when a multi-year deal comes up for renewal.

Enterprise FP&A platform with in-memory modeling, AI anomaly detection, and 4,000+ integrations.

Editor's takeWorkday Adaptive Planning has held Gartner Leader status in FP&A for four consecutive years, a rare consistency. Its Elastic Hypercube engine handles complex modeling fast, and it connects to 350-plus source systems out of the box. Hard limits still apply though, capping cube sheets at 15,000 rows and 5GB per version.

Automated cash flow forecasting tool syncing QuickBooks and Xero data for instant scenario planning.

Editor's takeCash Flow Frog strips financial forecasting down to something a non-finance founder can read in seconds, syncing years of QuickBooks or Xero history in under 15 minutes. Pricing around $23 to $31 a month undercuts Float and Fathom by roughly half. The tradeoff for that simplicity shows up in two places: it isn't built for complex custom formulas, and some users report the AI-driven payment predictions override dates they entered manually in their accounting software.

Visual cash flow forecasting tool syncing in real time with Xero, QuickBooks, and FreeAgent.

Editor's takeFloat pulls invoices and bills from Xero, QuickBooks Online, or FreeAgent daily, then turns them into a visual forecast that business owners can read without a finance background, and layers in what-if scenarios to test decisions like a new hire. The tradeoff is breadth. There is no mobile app, and it only connects to those three accounting platforms.

AI-driven financial planning module inside NetSuite ERP, syncing forecasts and budgets with Excel through Smart View.

Editor's takeNetSuite Financial Forecasting suits companies already running NetSuite ERP, syncing budgets and forecasts with live financial data. Cost and complexity are the tradeoff. Implementation commonly runs $30,000 to $150,000-plus, and G2 reviewers rate initial setup only 6.5 out of 10.

SaaS forecasting tool building P&L, balance sheet, and cash flow models from live MRR and churn data.

Editor's takeBaremetrics folds a full three-statement financial model into its core Metrics subscription, a bundle most SaaS forecasting tools charge extra for. Live MRR and churn data feed directly into the model, cutting reliance on static spreadsheet assumptions. Support responsiveness is a recurring complaint in reviews, and there is no public SOC 2 report for buyers who need one.