Cash Flow Forecasting Software, With the Real Prices
Before anything else, a warning about the other pages you are reading today.
Most round-ups list Float at around $25 or $59 a month. I checked Float’s own pricing page while writing this. The published plans are $130, $265 and $389 a month on monthly billing, before the multi-entity add-on and before VAT. The listicles are out by roughly five times.
So every figure below came from the vendor’s own pricing page today, and where a vendor does not publish a price, this page says that instead of guessing. Prices checked 30 August 2026.
A note on what this page does not have
The other software round-ups here carry an F9 rating out of 45, because I scored those tools myself against a fixed set of criteria. I have not put a cash flow tool through that system, so there are no ratings on this page.
Making up a score would be worse than not having one. What follows is sorted by the situation you are in, which is the part I can write from experience, and the pricing is verified rather than repeated.
The question that decides this
Not features. The question is whether you need a direct forecast or an indirect one, and most people buying software are never asked.
A direct forecast is built from actual expected receipts and payments, usually 13 weeks out, and it answers whether you can make payroll. An indirect forecast starts from projected profit and works back to cash through working capital, usually further out, and it answers whether the plan holds together.
Every tool below is built for the direct kind. If what you need is the indirect kind, you want a planning platform rather than a cash tool, and FP&A software is the right page.
The second question is how many bank accounts and entities you have. That single number moves you between the three tiers faster than any feature does.
Cash Flow Frog, when the business is small and the question is simple
The cheapest genuine option here and the one most small businesses should look at first. It connects to QuickBooks or Xero, projects forward from your invoices and bills, and lets you run scenarios without a setup project.
Pricing. Published and banded by your revenue. The first tier, for businesses up to $1 million in revenue, is $55 a month, or $33 a month if you pay annually. Bands above that are not disclosed on the pricing page, so if you are larger you will need to run their calculator.
Who it is for. A business under a few million in revenue with one or two bank accounts, where the person doing this also does five other jobs and cannot spend a fortnight on an implementation.
The limit. It forecasts from your accounting system, so it inherits whatever is wrong in your accounting system. If your invoices are not raised promptly, the forecast is late in the same way your books are.
Float, when you need scenarios and the business is growing
A step up in both capability and price, and the one with the strongest reputation among the accountants I know. Xero, QuickBooks and Sage integrations, scenario planning that is genuinely usable, and multi-entity support at the top tier.
Pricing, and this is the one to be careful with. Float publishes three plans. Essentials is $130 a month, Growth is $265, and Scale is $389, all on monthly billing. Annual billing brings those to $105, $215 and $315. Entities beyond the included allowance cost extra, and the prices exclude VAT. There is a 14-day trial with no card required.
Compare that to the $25 you may have read elsewhere before you build a business case on it.
Who it is for. A company past the point where a spreadsheet is honest, with someone who owns cash forecasting as a real part of their job and needs to show a board what happens under three scenarios.
The limit. It is a forecasting tool rather than a treasury system. It will tell you what is coming; it will not move money or manage payment runs.
The forecast, before you buy
The AI library for finance teams
The 13-week direct cash flow template, the collections assumption checklist, and the questions to ask on a demo that the demo will not cover. Free, and it lands in your inbox in about a minute.
Agicap, when you have crossed into treasury
Aimed at SMB and mid-market finance teams with real treasury complexity. It connects bank accounts directly rather than only through the accounting system, consolidates cash across entities and currencies, and layers payments and receivables management on top of the forecast.
Pricing. Not published. The pricing page routes to contact sales and offers tailor-made pricing for multiple companies. Second-hand figures circulate and I am not repeating them, because an unsourced number on a page like this is how the $25 Float claim started.
Who it is for. Multiple entities, multiple banks, more than one currency, and a person whose job title has treasury in it. If you are connecting six bank accounts across three countries, the other two tools will not hold it.
The limit. The implementation is a project, not an afternoon, and quote-based pricing means you cannot benchmark it without a sales conversation.
The fourth option is not buying anything
If your company already owns an FP&A platform, you very likely already have cash forecasting in it and no one turned it on. Datarails, Cube, Vena, Anaplan and Workday Adaptive all do this. Buying a separate cash tool alongside one of those is paying twice and creating a second version of the truth.
Check what you own before you evaluate anything. FP&A software covers those platforms with the ratings this page does not have.
And if you do not own one, the first step is still a spreadsheet. A 13-week direct forecast in Excel takes an afternoon to build and will tell you within two cycles whether you have a forecasting problem or a data problem. Buying software to fix a data problem does not work. the rolling cash flow forecast is the build, and the 13-week forecast with AI covers doing it with AI.
What none of them do
Worth knowing before a demo, because none of this comes up in one.
- None of them know what you have decided but not yet entered. The hire you approved last week, the capex you are about to sign. That lives in your head until you type it in.
- None of them fix payment behavior. A customer who pays at 75 days will still pay at 75 days, and a tool that assumes your stated terms will be optimistic every single week.
- None of them replace the conversation with sales about which deals are real. The forecast is only ever as good as that conversation.
- None of them make the forecast trusted. That comes from being roughly right for three months running, and no software shortens that.
The pattern behind all four: these tools are good at arithmetic and assembly, and the accuracy problem sits upstream of both.
How I would choose
| If this is you | Look at | Roughly |
|---|---|---|
| Under $1M revenue, one bank account, want visibility | Cash Flow Frog | $33 to $55 a month |
| Growing, need scenarios, board asks what if | Float | $105 to $389 a month depending on plan and billing |
| Multiple entities, multiple banks, more than one currency | Agicap | Quote only |
| You already own an FP&A platform | Whatever you already own | Nothing extra |
| You have never built a 13-week forecast | Excel, for one quarter first | Nothing |
If you are between two of these, start with the cheaper one. Switching up from a tool you have outgrown is a much easier project than justifying one you never filled.
