What is the best cash flow management software in 2026?
Your bank shows today's balance. Good cash flow software shows the one 13 weeks out.
Your banking app already tells you what you have. What it can't tell you is whether payroll, the quarterly tax bill and the next loan repayment will land before or after your biggest customer pays. Cash flow software pulls in your transactions, sorts them, reads your invoices and projects your balance week by week, with what-if scenarios on top.
The short answer. Float is the best pick if your books are in Xero or QuickBooks Online: eight scenarios, a 13-week view and a 36-month horizon, unlimited users, from $215 a month billed annually. Agicap suits growing companies with many banks and several entities, but it is quote-only with a 12-month minimum. Pulse is the budget option at $29 a month, with no long-term contract. Kyriba is built for corporate treasury teams, not a ten-person business. Okimia is the pick for a euro-based company keeping its books in France.
What most "best of" lists skip: your real price depends on how many bank accounts you connect, not just on the plan name. We listed, for each tool, how many accounts every plan allows and what happens when you add one more.
The ranking is editorial: a sponsored placement is always labelled on its card, and no affiliate link changes a score.
The best cash flow software for your situation
8 scenarios, unlimited users
Growing company, several entities300+ banks, quote only
Smallest budgetFrom $29 a month, no long contract
Corporate treasury team10,000+ banks connected
Euro business, books in France€69 a month ex VAT
Revenue-based pricingPrice set by your annual revenue
The 5 cash flow tools compared
The ranking targets a small or mid-sized business, from a founder alone to a few hundred staff, that wants to manage cash week by week. Every ranked tool connects your banks or your books, projects your balance and says so on its official site. Two numbers, two jobs: the rank says how well each tool fits a US or UK business; the score rates the tool itself and stays the same on every page we publish. That's why Okimia, the highest score here but built for French books and priced in euros, sits fourth, and Kyriba, a tool for large groups, closes the list.
| Best for | What sets it apart | Free plan | Team size | Visit | ||||
|---|---|---|---|---|---|---|---|---|
| 1 | Float | Books in Xero or QuickBooks | 8 scenarios, 13 weeks and 36 months | 4.0/5 | $215/mo billed annually | — | SMBs on Xero or QuickBooks Online | Visit → |
| 2 | Agicap | Growing company, several entities | 300+ banks, 150+ software connections | 3.9/5 | Quote only, 12-month minimum | — | Growing SMBs and groups | Visit → |
| 3 | Pulse | Smallest budget | Projected vs actual, no long-term contract | 3.7/5 | $29/mo | — | Small businesses and freelancers | Visit → |
| 4 | Okimia | Euro business, books in France | Public price, daily view on Pro | 4.1/5 | €69/mo ex VAT | — | French SMBs, single entity | Visit → |
| 5 | Kyriba | Corporate treasury team | 10,000+ bank connections at launch | 3.5/5 | Quote only | — | Large companies and public sector | Visit → |
Scores use five weighted criteria, detailed in our method. Prices read in 2026 on each vendor's official pricing page, excluding sales tax or VAT. "Quote only" means the vendor shows no public price.
Is your tool missing from this page? Email us: hello@hackceleration.com
What cash flow software does, and what it doesn't
Three kinds of tools fight over the words "cash flow". They answer different questions and sit at very different prices. Put your need in the right box first.
The cash view inside your accounting app
Your accounting software already shows money in and money out. Nothing to connect, and categories follow your books. The catch: forecasting stays basic, with few scenarios, and it is only as good as your bookkeeping. Often enough for a business with one or two accounts.
Dedicated cash flow software
Float, Pulse, Agicap or Okimia sit on top of your banks and books and build a real cash plan: upcoming receipts and payments, what-if scenarios, weekly views. This is the right box once you juggle several accounts, overlapping bills, or a lender asking for a forecast. Expect $29 to a few hundred dollars a month.
Treasury management systems
Kyriba and its peers serve corporate treasurers: dozens of accounts, many currencies, payment approvals, direct bank links. Projects take months and prices are never public. If you want an annual budget with variance tracking instead, see our ranking of FP&A software.
- How many accounts will you connect, cards and foreign-currency accounts included?
- Does the entry plan allow that many, or do you need the next tier?
- How many scenarios, and over what horizon?
- Does the tool read your invoices and bills, or only your bank feed?
- Is there an annual contract, and how does auto-renewal work?
- Can you trial it on your real bank accounts before you sign?
How we compared and scored
This page answers one question: which tool tells you, every week, what your bank balance will be in three months, without manual data entry. If you are building a startup financial model, our ranking of financial forecasting software fits better. For board packs and dashboards, see financial reporting software.
Forecasting weighs 30%: number of scenarios, horizon, weekly or daily views. Bank sync weighs 25%: banks covered, categorization, connection stability. Clear pricing weighs 20%: public price, accounts per plan, contract length. Accounting integration weighs 15%, because a forecast that can't read your invoices is a guess. Multiple accounts and entities weighs 10%, which matters most to growing companies.
We didn't open accounts with the vendors. Prices and limits come from their official pages, read in 2026. Weaknesses come from public user reviews, read starting with the negative ones.
- Forecasting and scenariosScenarios, horizon, weekly or daily views.30%
- Bank sync and reconciliationBanks covered, categorization, stability.25%
- Clear pricing and contractPublic price, accounts per plan, commitment.20%
- Accounting integrationAccounting and invoicing tools connected.15%
- Multiple accounts and entitiesMulti-bank, multi-entity, consolidation.10%
No affiliate link changes a score or a rank.
Cash flow software prices change every year. Get the updates
Float
Float doesn't connect to your bank directly. It reads your books in Xero or QuickBooks Online and turns them into upcoming receipts, payments and a projected balance. Sage Intacct is announced but not live yet, so check before you plan around it.
The forecasting is the deepest here: eight scenarios, a 13-week view for short-term cash control, and a 36-month horizon for budgeting. Every plan includes unlimited users, which matters when your co-founder, your bookkeeper and your accountant all need access.
Growth costs $265 a month, or $215 billed annually. Scale costs $389, or $315 annually, and each extra entity adds $78 ($63 annually). UK companies under £2M in revenue get a small business offer from £99 a month. The 14-day trial needs no card.
The limit: two accounting integrations, and that's it. If you run NetSuite, Sage or anything else, Float won't read it. It's also the priciest of the public-price tools.
Tip: run your 13-week view and a pessimistic scenario side by side before every hiring decision. That's what the scenario count is for.
- 8 scenarios
- 13-week and 36-month views
- Unlimited users
- ✓Deepest forecasting in this ranking
- ✓Public pricing, no card for the trial
- ✓Every user included
- ✗Xero and QuickBooks Online only
- ✗No direct bank feed
- ✗Priciest public plans
The best pick if your books live in Xero or QuickBooks Online. On any other ledger, look at Agicap or Pulse first.
Agicap
Agicap is one of the most cited cash management tools in Europe. It connects more than 300 banks and more than 150 accounting and finance tools, handles several entities on request and builds a forecast to plan and track cash.
Prices aren't public. The vendor offers an annual plan with a 12-month minimum and a short trial run with an advisor. Any number you see elsewhere doesn't come from Agicap: only a quote counts.
Reviews are positive overall. Users praise the time saved, the accuracy of forecasts and the customer success team. The complaints are consistent too: bank connections that drop, value for money rated as its weakest point, partial payments handled badly, and renewals some customers say they didn't see coming. Setting up bank connections can take longer than planned.
Tip: before signing for twelve months, insist on running the trial with your real banks, and read the renewal clause line by line.
- 300+ banks
- 150+ software connections
- Multi-entity on request
- ✓Widest set of connections here
- ✓Forecasts users call accurate
- ✓Hands-on onboarding
- ✗No public price
- ✗12-month minimum
- ✗Bank feeds can drop
A strong option for a growing company with many banks and entities. For a single small business, the annual lock-in and hidden price weigh too much against Float or Pulse.
Pulse
Pulse is the simplest tool in this ranking, and the cheapest. Basics costs $29 a month. Small Business, at $59, adds the QuickBooks Online sync, actual versus projected cash, and multiple accounts. Premium, at $89, opens unlimited accounts and currency conversion.
There's no long-term contract, and new accounts get a 30-day trial. For a business that has never forecast its cash, that's a low-risk way to start the habit.
The limit: Pulse is built around QuickBooks Online and simple projections. You won't find eight scenarios or a 36-month horizon here, and multi-entity groups will outgrow it fast.
Tip: start on Small Business if you already use QuickBooks Online. The sync is what saves you the weekly copy-paste, and Basics doesn't include it.
- From $29 a month
- No long-term contract
- 30-day trial
- ✓Cheapest plan in this ranking
- ✓Actual vs projected cash
- ✓Easy to start
- ✗QuickBooks Online only for sync
- ✗Basic scenarios
- ✗Not built for groups
The best starting point on a small budget. When you need several scenarios or entities, move to Float.
Okimia
Okimia used to be called Fygr, so older reviews use that name. It's a pure cash flow tool: more than 1,800 banks, automatic categorization and scenario forecasting.
Starter costs €69 a month excluding VAT: one entity, two banks, 3,000 transactions, three scenarios, one user. Pro, at €104, moves to four banks, five scenarios, three users, multi-currency and daily and weekly views. Enterprise is quote only and adds multi-entity consolidation.
Why fourth here, with a higher score than the three tools above? Its accounting connectors are French (ACD, Cegid, MyUnisoft, Sage 100), and it prices in euros only. For a US company, Float or Pulse fits better.
Tip: count your accounts before picking a plan. Two banks on Starter fills up fast.
- Formerly Fygr
- 1,800+ banks
- Public price from €69
- ✓Scenarios from the entry plan
- ✓Daily view on Pro
- ✓Consolidation on Enterprise
- ✗Euro pricing only
- ✗French accounting connectors
- ✗Two banks on Starter
The best fit for a euro business with books in France. Elsewhere, choose Float or Pulse.
Kyriba
Kyriba is a treasury management system, not a small business tool. It targets treasurers and finance leaders at large companies, mid-market groups and public bodies. It connects more than 10,000 banks from day one and covers liquidity, forecasting, payments, risk and working capital.
There's no public price. Reviews describe projects that run long, sometimes delayed by coordination with the banks, and a cost that's hard to justify below a certain size.
The limit is obvious: for a business with three bank accounts, this is the wrong category. It earns its place here because many readers searching for cash flow software are, in fact, treasury teams.
Tip: get each bank's connectivity team in the kickoff meeting. Most delays come from the bank side, not the software.
- 10,000+ banks
- Liquidity and payments
- Built for groups
- ✓Bank coverage no one else matches
- ✓Payments and risk in one place
- ✓Fits complex groups
- ✗No public price
- ✗Long deployments
- ✗Overkill for small businesses
The right call for a corporate treasury team. Anyone smaller should stop at Agicap or Float.
Other options worth knowing
These come up in searches. They aren't ranked because their price can't be read as a fixed grid, their forecasting depth isn't shown on their own pages, they do a different job, or they target another market.
Cash Flow Frog: a price set by your revenue
Revenue-basedCash Flow Frog has no fixed grid: its pricing page computes your price from your annual revenue, with lower rates on yearly and two-year billing. The entry Pro plan, for businesses up to $1M in revenue, lists cash flow forecasting up to 36 months, scenario planning and up to 10 users. It connects to QuickBooks Online and Desktop, Xero, Odoo, Zoho Books, FreshBooks and Plaid. No card to start, cancel anytime. Enter your own revenue on the pricing page to see your number before comparing it with Pulse or Float.
- Price
- Set by your annual revenue
- Entry plan
- 36-month forecast, 10 users
Fathom: reporting first, cash flow second
ReportingFathom is a reporting and analysis tool with three-way forecasting (profit and loss, balance sheet, cash). It shines for monthly management reports and advisor packs, less for a week-by-week cash plan. Compare it in our ranking of financial reporting software.
- Best for
- Monthly reports
Sellsy: cash flow inside a sales and invoicing suite
SuiteSellsy bought the cash flow tool RocketChart and folded it into its suite, so quotes and invoices feed the forecast. Users praise the support and miss a mobile app for the cash module. Sellsy shows no clear public price for that module in 2026. Our Sellsy review scores it 3.7 out of 5.
- Our review score
- 3.7 / 5
- Price
- Ask Sellsy
Cegid Exabanque: multi-bank in Europe over EBICS
EuropeFor a European company working with several banks in the SEPA area, Cegid Exabanque connects over EBICS, a direct bank channel that doesn't depend on renewed consent. Its forecast covers 200 days. Quote only.
- Forecast
- 200 days
- Price
- Quote only
Your business bank's cash tools
Built inSome business banks now add cash forecasting as a paid add-on. It only sees accounts at that bank: the moment you open a second one, a dedicated tool wins. Compare banks in our best business bank ranking.
- Limit
- One bank only
The spreadsheet: still fine, up to a point
FreeA 13-column sheet, one column per week, works for a very small business. It breaks with volume: every statement to paste, every category to fix, every scenario copied by hand. Once upkeep passes an hour a week, $29 for Pulse pays for itself.
- Price
- $0
- Limit
- All manual
Why bank feeds drop, and how to avoid it
It's the top complaint across every vendor. It rarely comes from the software itself, and almost always from how it reaches your bank.
Aggregators need you to re-authorize
Most toolsMost tools reach your bank through an aggregator. Banks ask you to re-authorize that access from time to time. Miss it and the feed stops, the forecast freezes, and you think the tool is broken. Put the renewal in your calendar and give a second person access.
- Do this
- Track renewal dates
Reading your books avoids the problem, partly
Float, PulseFloat reads Xero or QuickBooks Online instead of your bank, so a broken bank feed in your accounting app becomes your forecast's problem too. Keep the accounting feed healthy and reconcile weekly.
- Rhythm
- Reconcile weekly
Categories make or break the forecast
AccuracyA forecast projects your past habits. If rent sits in "misc" and customer deposits in "other", it projects nonsense. Spend half a day on clean rules at setup, then clear uncategorized lines every week.
- Setup
- Half a day of rules
Pay less and forecast better with cash flow software
Habits you won't find on vendor pages, drawn from their pricing grids and from user reviews.
Count your accounts before you pick a plan
PricePlans split on accounts more than features: multiple accounts start at Pulse Small Business, unlimited at Premium; Okimia allows two banks on Starter. List checking, savings, cards and foreign-currency accounts first. That number sets your real price.
- Example
- Pulse: unlimited accounts at $89
Annual billing cuts Float's price by nearly a fifth
SavingsFloat Growth drops from $265 to $215 a month billed annually. Take the monthly plan for the trial period, then switch once you know the tool fits.
- Float Growth
- $265 to $215
13 weeks to steer, 12 months to budget
MethodA 13-week view covers a quarter: enough to spot a tax payment or a payroll gap. Past six to twelve months you are budgeting, not managing cash. For that, see our FP&A software ranking.
- Steer
- 13 weeks
Read the renewal clause before any annual contract
TrapAnnual plans often renew on their own. Some Agicap customers dispute renewals they missed. Put the cancellation deadline in your calendar on day one.
- Note
- The cancellation deadline
Speed up the money coming in
CashA forecast shows the gap; collecting faster closes it. Pair your cash tool with one of our picks for accounts receivable software.
- Pair with
- AR automation
Bring two scenarios to your lender
FundingAn up-to-date plan with a cautious case and a base case carries more weight in a credit line request than a sheet built the night before. Export both before each meeting.
- Prepare
- A cautious case and a base case
Automating more of your finance stack? Get our next guides
Go further
Cash touches all of finance. These pages pick up where this one stops.
Models and business plans.
You want a budget and variance trackingFP&A softwareBudgets, variances, planning.
Customers pay lateAR software for small businessReminders and collections.
You consolidate several entitiesConsolidation softwareGroup accounts.
You want control over supplier paymentsAP software for small businessCapture, approve, pay.
Your books need a better homeAccounting software for SMBsThe ledger under your forecast.
Your questions about cash flow software
Is there free cash flow management software?
Not among the tools we ranked: the cheapest is Pulse at $29 a month, after a 30-day trial. Float offers 14 days free with no card. A spreadsheet is free but fully manual.
How much does cash flow software cost?
From $29 to a few hundred dollars a month. Pulse runs $29 to $89, Float $215 to $315 billed annually. Agicap and Kyriba are quote only, and Agicap asks for 12 months minimum.
What is a 13-week cash flow forecast?
A week-by-week projection of receipts, payments and balance over one quarter. It's the standard horizon for steering cash, because it catches tax bills and payroll gaps early. Float builds it natively.
Is QuickBooks or Xero enough for cash flow?
For one or two accounts and simple bills, often yes. Once you need scenarios or several entities, a tool like Float or Pulse reads those books and adds the forecasting layer.
What's the difference between cash flow software and a TMS?
Cash flow software forecasts and tracks cash for a business. A treasury management system like Kyriba also runs payments, bank connectivity and risk for a large group, with month-long deployments.
Why does my bank feed keep disconnecting?
Usually because the bank's authorization expired and needs renewing. Reconnect inside the tool and log the next renewal date. With several European banks, ask about EBICS.
Which tool handles multiple entities?
Float adds entities at $78 a month ($63 annually), Agicap handles several on request, and Okimia covers it on Enterprise. Large groups move to Kyriba.
