{"_meta":{"schema":"top11-list-v1","self":"https://topelevens.com/api/lists/cash-flow-forecasting-software","human_page":"https://topelevens.com/cash-flow-forecasting-software","markdown":"https://topelevens.com/api/lists/cash-flow-forecasting-software/md","csv":"https://topelevens.com/api/lists/cash-flow-forecasting-software/csv","recommend":"https://topelevens.com/api/lists/cash-flow-forecasting-software/recommend?problem={problem}&segment={segment}&budget={budget}","llms_full":"https://topelevens.com/llms-full.txt","openapi":"https://topelevens.com/openapi.json","mcp":"https://topelevens.com/mcp","license":"https://creativecommons.org/licenses/by/4.0/","generated_at":"2026-10-19T09:23:04.198Z"},"slug":"cash-flow-forecasting-software","title":"Cash Flow Frog vs Fathom vs Jirav: 11 Best Cash Flow Forecasting Software 2026","subtitle":"This ranking covers tools for forecasting cash for startups and SMB finance teams, scored on what each vendor's own pages show.","vertical":"Finance · Cash Flow Forecasting","audience":"Startups and SMB finance teams forecasting cash, runway and payment timing","editor":{"name":"Top 11 Editorial","credential":"Autonomous AI ranking engine — methodology weights public","url":"https://topelevens.com/methodology","conflict_disclosure":"None. Top 11 is independent: no paid placement, no affiliate links, no sponsored entries."},"published":"2026-10-19","last_verified":"2026-10-19","next_review":"2027-01-17","methodology_version":"v1.0","independence":{"paid_placement":false,"affiliate_links":false,"sponsored_entries":false,"statement":"Top 11 takes no payment from any provider on this list. Scores come from a public weighted rubric, and the methodology weights were locked before entry research began."},"editor_disclosure":null,"freshness":{"cadence":"quarterly","statement":"Re-scored every 90 days."},"category":"Software","subsector":"Cash Flow Forecasting","changelog":[{"date":"2026-10-19","text":"Initial publication. Methodology v1.0 weights Cash Flow Forecast Depth (25%), Scenario Planning & Accuracy Tracking (20%), Accounting & Bank Connections (15%), Pricing Transparency & TCO (15%), Reporting & Collaboration (15%), and Startup & SMB Fit (10%). The #11 wildcard is unrated and selected by the wildcard signal model (wildcard-v2.0). Every price and feature fact was taken from a vendor page opened on 2026-10-19; where a page could not be opened or showed no price, the entry says so."}],"answer_capsule":"The best cash flow forecasting software for most startups and SMB finance teams is Cash Flow Frog, followed by Fathom and Jirav. Cash Flow Frog, Jirav, LivePlan, Xero and QuickBooks publish prices on the pages we opened. Agicap, Planful, Cube and Pigment show no price, and Fathom prices by connected company.","methodology":{"version":"v1.0","updated":"2026-10-19","candidate_pool":18,"review_cadence":"quarterly","score_cap":9.4,"criteria":[{"name":"Cash Flow Forecast Depth","weight":25,"description":"Forecast horizon, daily to weekly or monthly views, whether cash in and cash out are built from invoices, bills and bank data, and whether the forecast links to the P&L and balance sheet."},{"name":"Scenario Planning & Accuracy Tracking","weight":20,"description":"What-if scenarios for hires, spend and revenue, how many can run at once, and whether the tool compares forecast to actuals."},{"name":"Accounting & Bank Connections","weight":15,"description":"Named links to QuickBooks, Xero and other accounting systems, bank feeds, and spreadsheet import and export."},{"name":"Pricing Transparency & TCO","weight":15,"description":"Whether a real price is published, what the billing unit is, how it scales, and what the cheapest useful plan leaves out."},{"name":"Reporting & Collaboration","weight":15,"description":"Cash flow statements, multi-entity consolidation, user counts, accountant or investor sharing and exports."},{"name":"Startup & SMB Fit","weight":10,"description":"How well the page fits a team of one to ten finance people without an analyst or a sales project."}],"wildcard_model":"wildcard-v2.0","wildcard_model_url":"https://topelevens.com/methodology/wildcard"},"segment_tags":["Cash Flow Forecasting","Runway Planning","13-Week Cash Flow","Scenario Planning","Driver-Based Forecasting"],"problem_tags":["Spreadsheet Cash Tracking","Late-Paying Customers","Payroll Cash Shortfalls","Runway Surprises","Forecasts That Go Stale"],"query_intents":["best cash flow forecasting software","cash flow forecasting for startups","13 week cash flow tool","cash flow forecasting software pricing","cash flow frog vs fathom","cash flow forecasting for small business"],"match_index":{"1":{"solves":["Rolling cash forecasts from QuickBooks or Xero","Scenario testing for hires and spend","Starting with a trial and a visible price"],"personas":["Founder","Finance Manager"]},"2":{"solves":["Three-way forecasting for several companies","Driver-based planning with consolidated reporting","Advisor and fractional CFO reporting"],"personas":["Fractional CFO","Accountant"]},"3":{"solves":["Linking cash flow to the P&L and balance sheet","Driver-based forecasts from a $50 starting price","Long-range forecasts up to seven years"],"personas":["Finance Lead","Controller"]}},"stats":{"candidate_pool":18,"ranked":10,"average_score":6.5,"spread_top_to_bottom":4,"unrated_wildcard":1},"guide":[{"q":"What is cash flow forecasting software?","a":"Cash flow forecasting software predicts how much cash your business will have in the coming weeks and months. It takes your bank balance, unpaid invoices, upcoming bills, payroll and planned spending, and shows the expected position over time. The better tools pull this data from your accounting system rather than asking you to retype it. Some products are built around cash alone. Agicap describes a rolling 13-week forecast built from bank data, and Cash Flow Frog describes rolling forecasts up to 36 months. Others forecast the whole business and show cash as one part: Fathom and Jirav describe forecasting the P&L, balance sheet and cash flow together. A third group are accounting systems with a short forecast built in, such as Xero and QuickBooks. For a startup or a small finance team, the question is which of these jobs you need done each week."},{"q":"How is a cash flow forecast different from a budget or a P&L forecast?","a":"A budget says what you plan to spend. A profit and loss forecast says whether you will make money. A cash flow forecast says whether the bank account will be positive on a given day. Those can disagree. A company can show a profit and still run short of cash if customers pay in 60 days and suppliers want payment in 30. That timing gap is the reason cash forecasting exists. On the pages we opened, Agicap describes refining receivables forecasts with each customer's actual days sales outstanding, and Cash Flow Frog describes customer insights that rank collections and payment punctuality. Ask any vendor how it handles late-paying customers, because that is where most forecasts go wrong."},{"q":"What time horizon do I need?","a":"It depends on what decision you are making. A 13-week view helps you decide whether payroll and supplier payments are safe. A 12 to 36 month view helps you decide when to hire, raise money or take a loan. The pages show wide differences. Xero lists a 30-day forecast on its Early plan, 60 days on Growing and 180 days on Established. Jirav lists a one-year forecast on Controller Essentials and seven years on CFO Enterprise. Brixx lists 1, 3 or 10 years by plan. Cash Flow Frog lists up to 36 months. If you only need to avoid an overdraft next month, a short forecast is enough. If you are preparing for a funding round, you need the longer view and the scenarios to go with it."},{"q":"Why do scenarios matter more than the base forecast?","a":"The base forecast is your best guess, and it will be wrong. Scenarios show how wrong it can be before it hurts. A useful scenario answers a plain question, such as what happens to cash if two hires start in March and the biggest customer pays 30 days late. LivePlan lists up to 10 what-if scenarios including best and worst case, Cash Flow Frog describes scenario testing for hiring, spending and growth decisions, and Fathom lists scenario-based planning. The QuickBooks page we opened ties cash flow forecasting to the Advanced plan only and describes no scenario tool for it, though its Plus plan lists a beta scenario chat. When you test a product, build one real downside case and see how many clicks it takes."},{"q":"Should the forecast connect to my accounting system and bank?","a":"Yes, because a forecast you have to update by hand stops getting updated. Look for named connections to your accounting package and whether actuals refresh on their own. Fathom says cloud accounting systems sync automatically each day. Brixx says Xero actuals refresh daily or on demand. Cash Flow Frog lists QuickBooks Online, QuickBooks Desktop, Xero, Zoho Books, FreshBooks, Odoo, Sage Intacct and Plaid. LivePlan names QuickBooks Online and Xero. Agicap describes bank sync through Open Banking APIs, mainly with European banks. If your accounting system is not on the list, ask whether a spreadsheet import is the fallback and how often you would have to do it."},{"q":"Do I need a dedicated tool or is a spreadsheet enough?","a":"A spreadsheet is enough for a business with few customers, simple payments and one person who owns the model. It stops working when several people edit it, when you need scenarios side by side, or when the forecast has to be refreshed from live data every week. The cost of a tool is usually small next to the cost of a missed payroll. LivePlan lists $15 per month on annual billing for Standard, and Brixx lists $20 per month on annual billing for its entry plan, so the price barrier is low. The harder cost is the time to set up assumptions and keep them current. Pick a tool you will actually update, and treat the forecast as a weekly habit, not a quarterly report."}],"how_to_choose":["First, decide the question you are answering. If it is whether you can make payroll in the next 13 weeks, you need a cash-first tool fed by bank and accounting data. If it is whether you can afford three hires next year, you need a driver-based model that links cash to the P&L and balance sheet.","Second, match the price unit to your size. Fathom prices by connected company, Jirav by plan from a starting price, LivePlan and Brixx by plan per month, Xero and QuickBooks by accounting plan, and Agicap, Planful, Cube and Pigment by quote. These do not compare directly, so ask each vendor for a written price for your company.","Third, check what feeds the forecast. Count how many of your systems have a named connection, and how many would need a spreadsheet upload. A forecast built from a monthly CSV is only as fresh as the last upload.","Fourth, run a real test. Load your last three months, build one downside scenario and compare the forecast with what happened. If the tool cannot show forecast against actuals, you cannot learn how accurate it is.","Finally, ask who else needs access. Your accountant, an investor or a board member may want to see the numbers, and some tools charge for that. Also ask how you export your assumptions if you leave."],"faqs":[{"q":"How much does cash flow forecasting software cost?","a":"On the pages we opened, published prices ranged from $15 per month to $450 per month. LivePlan lists $15 to $40 per month on annual billing. Brixx lists $20 to $60 per month on annual billing. Cash Flow Frog shows $33 per month early bird for its first tier against a $55 list price. Jirav lists starting prices of $50 and $150 per month. Fathom lists $450 per month for 25 companies and $67 for 100 companies on Portfolio. Xero lists $27 to $97 and QuickBooks $38 to $340 per month. Agicap, Planful, Cube and Pigment show no price on the pages we could open."},{"q":"Is there free cash flow forecasting software?","a":"Not a free forecasting tool on the pages we opened. QuickBooks lists a Free plan, but its page ties cash flow forecasting to Advanced. Cash Flow Frog offers a 14-day trial, Fathom offers 14 days, and Pigment shows a free trial button. LivePlan lists a 35-day money-back guarantee instead of a trial, and Brixx lists a free account only for viewing a plan someone shares with you."},{"q":"What is the difference between Cash Flow Frog and Fathom?","a":"Cash Flow Frog describes a cash-first product with rolling forecasts up to 36 months, scenarios and consolidation, and shows a price for one revenue tier. Fathom describes three-way forecasting, drivers and portfolio reporting, priced per connected company with 25 companies on the Pro plan. For one startup, Cash Flow Frog's page fits more directly. For an advisor with several clients, Fathom's pricing makes more sense."},{"q":"Can my accounting software do the job?","a":"For a short horizon, possibly. Xero lists 30, 60 and 180 days of cash flow forecast by plan, and QuickBooks says its Advanced plan includes cash flow forecasting. Neither page describes scenarios in detail. If you need a longer view or side-by-side scenarios, a dedicated tool is likely a better fit."},{"q":"Which of these need a sales call?","a":"Agicap, Planful, Cube and Pigment showed no price on the pages we opened, and each pointed to a demo, quote or trial. Fathom Enterprise is also quote only. Cash Flow Frog, Jirav, LivePlan, Xero, QuickBooks and Brixx show prices, though Jirav's are starting prices."},{"q":"How often is this list updated?","a":"We re-score every 90 days, and the next review is 2027-01-17. If a vendor changes a price or retires a plan before then, the list may be out of date, so confirm every figure on the vendor's own page before you buy."}],"honest_disclosures":["Every price and feature in this list comes from a vendor page opened on 2026-10-19. If a page returned an error, redirected, or showed no number, we say so and publish no price. We did not use review sites for facts.","Several vendors could not be read and are not ranked. The Float cash flow site (withfloat.com) returned a TLS error twice. float.com is a different product, resource scheduling, and was not used. Pulse returned HTTP 404 on its pricing page and its home page was an unrelated medical rates product. Runway's pricing page was a video generation product. Mosaic's pricing URL redirected to an HiBob finance page that did not mention Mosaic, so we did not rank it. Causal at Lucanet and Dryrun returned HTTP 404, Cashflow Manager refused the connection, and the Planful pricing URL returned HTTP 404. Futrli, Fyle, Brex, Ramp and Mercury were not tried.","Founding year, headquarters, headcount and funding were not read on the vendor pages, so those fields are left empty rather than filled in from memory.","Prices differ in unit: per month for most tools, per connected company for Fathom, and by accounting plan for Xero and QuickBooks. They are not directly comparable, so price them for your own company. Jirav's page did not say whether its starting prices are annual or monthly, and Cash Flow Frog's page showed only one revenue tier.","The page we opened at cubesoftware.com/pricing showed Bronze, Silver and Gold plans quoted through a form. We describe only what that page showed.","Scores are an AI editorial judgement against the published rubric, using only the pages we read. Entries without published prices score lower on Pricing Transparency by design. That is a statement about the page, not the product. Planning platforms whose pages describe no cash flow features score low on forecast depth.","No vendor has paid for placement. Scores are not a measure of customer satisfaction."],"glossary":{"term":"13-week cash flow","definition":"A rolling forecast of cash in and cash out for the next 13 weeks, updated every week as actuals arrive. Finance teams use it to see payroll, supplier and loan payments coming before they hit the bank account.","synonyms":["13-week forecast","Rolling cash forecast","Short-term cash forecast"],"faq":[]},"entries":[{"rank":1,"name":"Cash Flow Frog","url":"https://www.cashflowfrog.com","founded":null,"hq":null,"team_size_band":null,"best_for":"Startups and small businesses on QuickBooks or Xero that want a rolling cash forecast, scenarios and a 14-day trial without a sales call.","best_for_short":"Rolling forecast with a visible price and trial","pricing_band":"$ (Pro tier 1 shown at $33 per month early bird, $55 list, for businesses up to $1M annual revenue; other tiers not shown on the page we opened)","score_out_of_94":8.5,"score_breakdown":{"Cash Flow Forecast Depth":9,"Scenario Planning & Accuracy Tracking":8.5,"Accounting & Bank Connections":9,"Pricing Transparency & TCO":7.5,"Reporting & Collaboration":8,"Startup & SMB Fit":8.5},"verdict":"Cash Flow Frog ranks first because its pages describe the most direct fit for a small team: rolling forecasts up to 36 months, scenario testing for hiring and spending, planned vs actual, and links to seven accounting and bank sources.","verdict_short":"Closest match to what a small team asks for.","praise":"The home page lists a 14-day free trial with no card and a 30-day money-back guarantee. It also lists VAT/GST forecasting, multi-entity consolidation, customer insights on collections, and ISO 27001 certification.","praise_short":"Trial, scenarios and consolidation on the page.","criticism":"The pricing page showed only one tier, Pro tier 1 for up to $1M annual revenue, so the cost for a larger business is unknown to us. The $33 figure carries an early bird label against a $55 list price, and the page did not state the trial length on that page, only the home page did.","criticism_short":"Only one price tier visible, early bird label.","sources_pending":["https://www.cashflowfrog.com/pricing, accessed 2026-10-19","https://www.cashflowfrog.com/, accessed 2026-10-19"],"risk_signals":{"level":"none","checked":"2026-10-19","summary":"No risk-signal search was run for this entry; none observed on the vendor pages read on 2026-10-19.","signals":[]},"price_min":33,"price_max":55,"currency":"USD","free_tier":false,"setup_fee":null,"integrations":["QuickBooks Online","QuickBooks Desktop","Xero","Sage Intacct","Zoho Books","FreshBooks","Odoo","Plaid bank feeds","Zapier","Excel"],"compliance":["ISO 27001"],"regions":[],"onboarding_days":null,"min_team_size":null,"max_team_size":null,"problems_solved":["Rolling cash forecasts from QuickBooks or Xero","Scenario testing for hires and spend","Starting with a trial and a visible price"],"personas":["Founder","Finance Manager"],"_entry_api":"https://topelevens.com/api/lists/cash-flow-forecasting-software/1","_entry_md":"https://topelevens.com/api/lists/cash-flow-forecasting-software/1/md","_anchor":"https://topelevens.com/cash-flow-forecasting-software#rank-1"},{"rank":2,"name":"Fathom","url":"https://fathomhq.com/pricing","founded":null,"hq":null,"team_size_band":null,"best_for":"Advisors, fractional CFOs and finance leads who want three-way forecasting, drivers and consolidated reporting across one or more companies.","best_for_short":"Three-way forecasting for advisors and finance leads","pricing_band":"$$ (Pro $450 per month for 25 connected companies; Portfolio $67 per month for 100 companies; Enterprise quote only; 14-day trial)","score_out_of_94":8.1,"score_breakdown":{"Cash Flow Forecast Depth":8.8,"Scenario Planning & Accuracy Tracking":8.8,"Accounting & Bank Connections":8,"Pricing Transparency & TCO":7.5,"Reporting & Collaboration":8.5,"Startup & SMB Fit":5.5},"verdict":"Fathom ranks second because its forecasting list is the deepest on a public page: three-way, scenario, driver-based and rolling forecasts, plus budget-based forecasts and consolidation. The price is built around many client companies, which is the main reason it ranks below Cash Flow Frog for a single startup.","verdict_short":"Deepest forecasting list, priced for portfolios.","praise":"Three-way forecasting, scenario planning, driver-based forecasting and consolidated forecasts are all named on the page, and cloud accounting systems sync daily. A 14-day trial is offered.","praise_short":"Three-way, scenarios and daily sync.","criticism":"The Pro price of $450 per month covers 25 companies, so a single company pays for capacity it will not use. The page says Portfolio companies must be upgraded to Pro for three-way cash flow forecasting. Prices exclude sales tax.","criticism_short":"Priced per portfolio, not per startup.","sources_pending":["https://fathomhq.com/pricing, accessed 2026-10-19"],"risk_signals":{"level":"none","checked":"2026-10-19","summary":"No risk-signal search was run for this entry; none observed on the vendor pages read on 2026-10-19.","signals":[]},"price_min":67,"price_max":450,"currency":"USD","free_tier":false,"setup_fee":null,"integrations":["Xero","QuickBooks Online","QuickBooks Desktop","MYOB","FreeAgent","Excel","Google Sheets"],"compliance":[],"regions":[],"onboarding_days":null,"min_team_size":null,"max_team_size":null,"problems_solved":["Three-way forecasting for several companies","Driver-based planning with consolidated reporting","Advisor and fractional CFO reporting"],"personas":["Fractional CFO","Accountant"],"_entry_api":"https://topelevens.com/api/lists/cash-flow-forecasting-software/2","_entry_md":"https://topelevens.com/api/lists/cash-flow-forecasting-software/2/md","_anchor":"https://topelevens.com/cash-flow-forecasting-software#rank-2"},{"rank":3,"name":"Jirav","url":"https://www.jirav.com/pricing","founded":null,"hq":null,"team_size_band":null,"best_for":"Startups and SMBs that want driver-based planning where the cash flow forecast sits beside the P&L and balance sheet.","best_for_short":"Driver-based P&L, balance sheet and cash together","pricing_band":"$ (Controller Essentials from $50 per month; CFO Enterprise from $150 per month; the page did not say whether these are annual or monthly billing, and no trial is mentioned)","score_out_of_94":7.8,"score_breakdown":{"Cash Flow Forecast Depth":8.5,"Scenario Planning & Accuracy Tracking":8,"Accounting & Bank Connections":7.5,"Pricing Transparency & TCO":7.5,"Reporting & Collaboration":7.5,"Startup & SMB Fit":7},"verdict":"Jirav ranks third because the pricing page shows two starting prices and says integrated balance sheet and cash flow projections come on all plans, with a one-year forecast on Controller Essentials and seven years on CFO Enterprise.","verdict_short":"Integrated cash, P&L and balance sheet from $50.","praise":"Both plans carry auto-forecast and integrated cash flow projections. The home page describes a pro forma cash flow statement and working capital assumptions, and the pricing page lets you sign in with Google, Microsoft or Xero.","praise_short":"Two published starting prices.","criticism":"Both prices are labelled starting prices, so the price you actually pay is not stated. The home page sends you to a demo and does not list integrations by name. No trial is mentioned on the pages we opened.","criticism_short":"Starting prices only, no trial mentioned.","sources_pending":["https://www.jirav.com/pricing, accessed 2026-10-19","https://www.jirav.com/, accessed 2026-10-19"],"risk_signals":{"level":"none","checked":"2026-10-19","summary":"No risk-signal search was run for this entry; none observed on the vendor pages read on 2026-10-19.","signals":[]},"price_min":50,"price_max":150,"currency":"USD","free_tier":false,"setup_fee":null,"integrations":["Accounting data sources","Workforce data","Google Sheets","Excel"],"compliance":[],"regions":[],"onboarding_days":null,"min_team_size":null,"max_team_size":null,"problems_solved":["Linking cash flow to the P&L and balance sheet","Driver-based forecasts from a $50 starting price","Long-range forecasts up to seven years"],"personas":["Finance Lead","Controller"],"_entry_api":"https://topelevens.com/api/lists/cash-flow-forecasting-software/3","_entry_md":"https://topelevens.com/api/lists/cash-flow-forecasting-software/3/md","_anchor":"https://topelevens.com/cash-flow-forecasting-software#rank-3"},{"rank":4,"name":"LivePlan","url":"https://www.liveplan.com/pricing","founded":null,"hq":null,"team_size_band":null,"best_for":"Founders and small business owners who need a forecast with cash flow projections for a bank, an investor or their own planning, at a low published price.","best_for_short":"Low-price forecast tied to QuickBooks or Xero","pricing_band":"$ (Standard $20 per month or $15 per month paid annually; Premium $40 or $30; 35-day money-back guarantee, no trial mentioned)","score_out_of_94":7.4,"score_breakdown":{"Cash Flow Forecast Depth":7.5,"Scenario Planning & Accuracy Tracking":7.5,"Accounting & Bank Connections":6,"Pricing Transparency & TCO":9,"Reporting & Collaboration":6.5,"Startup & SMB Fit":8},"verdict":"LivePlan ranks fourth because both paid plans include a full forecast with cash flow projections, an auto-updating profit and cash forecast, and up to 10 what-if scenarios, at the lowest clearly published monthly price among the full-forecast tools.","verdict_short":"Clear price, forecast on both plans.","praise":"Both Standard and Premium include cash flow projections without spreadsheets, and the forecast updates from connected accounting software. Forecasts export as CSV.","praise_short":"Forecast and 10 scenarios on both plans.","criticism":"Only QuickBooks Online and Xero are named as integrations. The page lists a Team plan in its comparison table with no price, and it describes no trial, only a 35-day money-back guarantee.","criticism_short":"Two integrations, Team plan unpriced.","sources_pending":["https://www.liveplan.com/pricing, accessed 2026-10-19"],"risk_signals":{"level":"none","checked":"2026-10-19","summary":"No risk-signal search was run for this entry; none observed on the vendor pages read on 2026-10-19.","signals":[]},"price_min":15,"price_max":40,"currency":"USD","free_tier":false,"setup_fee":null,"integrations":["QuickBooks Online","Xero","CSV export"],"compliance":[],"regions":[],"onboarding_days":null,"min_team_size":null,"max_team_size":null,"problems_solved":[],"personas":[],"_entry_api":"https://topelevens.com/api/lists/cash-flow-forecasting-software/4","_entry_md":"https://topelevens.com/api/lists/cash-flow-forecasting-software/4/md","_anchor":"https://topelevens.com/cash-flow-forecasting-software#rank-4"},{"rank":5,"name":"Agicap","url":"https://agicap.com/en/","founded":null,"hq":null,"team_size_band":null,"best_for":"Companies with many bank accounts, often in Europe, that want a rolling 13-week forecast built from live bank data and customer payment behaviour.","best_for_short":"13-week forecast from bank data","pricing_band":"Quote only, price not published on the page we could open (the UK pricing page showed no figures and a 12-month minimum term)","score_out_of_94":7.2,"score_breakdown":{"Cash Flow Forecast Depth":8.5,"Scenario Planning & Accuracy Tracking":8,"Accounting & Bank Connections":9,"Pricing Transparency & TCO":2.5,"Reporting & Collaboration":7,"Startup & SMB Fit":6.5},"verdict":"Agicap ranks fifth because the home page describes rolling 13-week forecasts, receivables forecasts refined by each customer's DSO, scenario comparisons and spreadsheet import, but we could read no price.","verdict_short":"Strong bank-led forecasting, no price.","praise":"The home page names over 300 integrations in six categories and says bank connections use Open Banking APIs. Receivables forecasts can use each customer's actual DSO, and existing spreadsheet models can be imported.","praise_short":"Bank sync and DSO-based receivables.","criticism":"No figures appear on the pricing page we opened. The UK page says the offer is annual with a minimum 12-month term, and the two pages describe the trial differently, as a few days on one and 24 hours in the FAQ of the other. The page says bank coverage is mainly in Europe.","criticism_short":"No price, minimum 12-month term, trial unclear.","sources_pending":["https://agicap.com/en/, accessed 2026-10-19","https://agicap.com/en/pricing/, accessed 2026-10-19"],"risk_signals":{"level":"none","checked":"2026-10-19","summary":"No risk-signal search was run for this entry; none observed on the vendor pages read on 2026-10-19.","signals":[]},"price_min":null,"price_max":null,"currency":"USD","free_tier":false,"setup_fee":null,"integrations":["Banks via Open Banking APIs","ERP and accounting systems","Spend and invoice tools","Payment software","Spreadsheets"],"compliance":[],"regions":[],"onboarding_days":null,"min_team_size":null,"max_team_size":null,"problems_solved":[],"personas":[],"_entry_api":"https://topelevens.com/api/lists/cash-flow-forecasting-software/5","_entry_md":"https://topelevens.com/api/lists/cash-flow-forecasting-software/5/md","_anchor":"https://topelevens.com/cash-flow-forecasting-software#rank-5"},{"rank":6,"name":"Xero","url":"https://www.xero.com/us/pricing-plans/","founded":null,"hq":null,"team_size_band":null,"best_for":"Small businesses already on Xero that want a basic short-range cash flow forecast inside their accounting system.","best_for_short":"Short forecast inside the accounting tool","pricing_band":"$ (US plans Early $27, Growing $59, Established $97 per month; 90% off the first 6 months for new US customers via a promo code; cash flow forecast of 30, 60 and 180 days)","score_out_of_94":6.2,"score_breakdown":{"Cash Flow Forecast Depth":6,"Scenario Planning & Accuracy Tracking":4.5,"Accounting & Bank Connections":6,"Pricing Transparency & TCO":9,"Reporting & Collaboration":5.5,"Startup & SMB Fit":7},"verdict":"Xero ranks sixth because the pricing page ties a cash flow forecast to every plan, with 30, 60 and 180 days by tier, but the forecast is a feature of an accounting system rather than a planning tool.","verdict_short":"Forecast included, but short and basic.","praise":"All three plan prices and forecast lengths are on the page. The Established plan adds multiple currencies and KPI analysis.","praise_short":"Clear prices and forecast lengths per plan.","criticism":"The longest forecast is 180 days, and the page describes no scenario tool. Prices can change at any time according to the page, and the 90% intro discount does not cover add-ons or payment fees.","criticism_short":"Short forecast, no scenarios described.","sources_pending":["https://www.xero.com/us/pricing-plans/, accessed 2026-10-19"],"risk_signals":{"level":"none","checked":"2026-10-19","summary":"No risk-signal search was run for this entry; none observed on the vendor pages read on 2026-10-19.","signals":[]},"price_min":27,"price_max":97,"currency":"USD","free_tier":false,"setup_fee":null,"integrations":["Xero Payroll (Gusto)","Inventory Plus add-on"],"compliance":[],"regions":[],"onboarding_days":null,"min_team_size":null,"max_team_size":null,"problems_solved":[],"personas":[],"_entry_api":"https://topelevens.com/api/lists/cash-flow-forecasting-software/6","_entry_md":"https://topelevens.com/api/lists/cash-flow-forecasting-software/6/md","_anchor":"https://topelevens.com/cash-flow-forecasting-software#rank-6"},{"rank":7,"name":"QuickBooks","url":"https://quickbooks.intuit.com/pricing/","founded":null,"hq":null,"team_size_band":null,"best_for":"Small businesses on QuickBooks Advanced that want built-in cash flow forecasting with AI insights.","best_for_short":"Forecasting only on the top plan","pricing_band":"$$ (Simple Start $38, Essentials $85, Plus $140, Advanced $340 per month; 50% off for 3 months; Free plan listed)","score_out_of_94":5.7,"score_breakdown":{"Cash Flow Forecast Depth":5,"Scenario Planning & Accuracy Tracking":5,"Accounting & Bank Connections":5,"Pricing Transparency & TCO":8.5,"Reporting & Collaboration":5,"Startup & SMB Fit":6.5},"verdict":"QuickBooks ranks seventh because the pricing page says cash flow forecasting comes with Advanced only, at $340 per month, and gives no detail on how it works.","verdict_short":"Forecasting is gated to the $340 plan.","praise":"Prices for five plans are on the page, and the Plus plan lists plan budgets and a beta scenario chat feature.","praise_short":"Five prices on one page.","criticism":"The page does not describe a standalone cash flow planner, does not say which plans get what-if scenarios, and does not explain the forecast. The promo asterisk terms were not shown.","criticism_short":"Forecast detail missing, top plan only.","sources_pending":["https://quickbooks.intuit.com/pricing/, accessed 2026-10-19"],"risk_signals":{"level":"none","checked":"2026-10-19","summary":"No risk-signal search was run for this entry; none observed on the vendor pages read on 2026-10-19.","signals":[]},"price_min":38,"price_max":340,"currency":"USD","free_tier":true,"setup_fee":null,"integrations":["Accountant access"],"compliance":[],"regions":[],"onboarding_days":null,"min_team_size":null,"max_team_size":null,"problems_solved":[],"personas":[],"_entry_api":"https://topelevens.com/api/lists/cash-flow-forecasting-software/7","_entry_md":"https://topelevens.com/api/lists/cash-flow-forecasting-software/7/md","_anchor":"https://topelevens.com/cash-flow-forecasting-software#rank-7"},{"rank":8,"name":"Planful","url":"https://www.planful.com/","founded":null,"hq":null,"team_size_band":null,"best_for":"Mid-size finance teams that want a full planning and consolidation platform and are comfortable with a demo-led purchase.","best_for_short":"Enterprise planning, not cash-first","pricing_band":"Quote only, price not published on the page we could open (home page shows Book a Demo only)","score_out_of_94":5.3,"score_breakdown":{"Cash Flow Forecast Depth":4.5,"Scenario Planning & Accuracy Tracking":6.5,"Accounting & Bank Connections":8,"Pricing Transparency & TCO":2,"Reporting & Collaboration":7,"Startup & SMB Fit":3},"verdict":"Planful ranks eighth because it describes forecasting and scenario planning, with thousands of connectors, but the home page does not mention cash flow forecasting and publishes no price.","verdict_short":"Planning platform, cash forecasting not described.","praise":"The home page describes baseline forecasts, what-if scenarios, thousands of connectors and a read-only MCP server for Claude.","praise_short":"Scenario modeling and many connectors.","criticism":"The pricing URL we tried returned HTTP 404, and the home page names no source systems or cash flow features. It is built for demo-led enterprise buying, which is heavy for a startup.","criticism_short":"No price and no cash flow detail.","sources_pending":["https://www.planful.com/, accessed 2026-10-19"],"risk_signals":{"level":"none","checked":"2026-10-19","summary":"No risk-signal search was run for this entry; none observed on the vendor pages read on 2026-10-19.","signals":[]},"price_min":null,"price_max":null,"currency":"USD","free_tier":false,"setup_fee":null,"integrations":["Thousands of connectors (not named)","MCP server (read-only)"],"compliance":[],"regions":[],"onboarding_days":null,"min_team_size":null,"max_team_size":null,"problems_solved":[],"personas":[],"_entry_api":"https://topelevens.com/api/lists/cash-flow-forecasting-software/8","_entry_md":"https://topelevens.com/api/lists/cash-flow-forecasting-software/8/md","_anchor":"https://topelevens.com/cash-flow-forecasting-software#rank-8"},{"rank":9,"name":"Cube","url":"https://www.cubesoftware.com/pricing","founded":null,"hq":null,"team_size_band":null,"best_for":"Finance teams that already run planning in spreadsheets and want a managed layer, and that accept a quote-based purchase.","best_for_short":"Spreadsheet-based planning, quote only","pricing_band":"Quote only, price not published on the page we could open (Bronze, Silver and Gold plans quoted through a form)","score_out_of_94":4.6,"score_breakdown":{"Cash Flow Forecast Depth":3.5,"Scenario Planning & Accuracy Tracking":4.5,"Accounting & Bank Connections":8.5,"Pricing Transparency & TCO":2,"Reporting & Collaboration":6,"Startup & SMB Fit":3.5},"verdict":"Cube ranks ninth because the pricing page names three plans and a custom tier, all by quote, and only links to a Cash Flow page that we did not open.","verdict_short":"Quote form, cash flow only linked.","praise":"The page groups data sources into accounting, CRM, HR and payroll, payments and data, and offers a custom Strategic plan for 50 or more entities.","praise_short":"Five source categories named.","criticism":"Every plan needs a quote, no tool is named in any source category, and the cash flow feature is only a link on the page.","criticism_short":"No price, cash feature not described.","sources_pending":["https://www.cubesoftware.com/pricing, accessed 2026-10-19"],"risk_signals":{"level":"none","checked":"2026-10-19","summary":"No risk-signal search was run for this entry; none observed on the vendor pages read on 2026-10-19.","signals":[]},"price_min":null,"price_max":null,"currency":"USD","free_tier":false,"setup_fee":null,"integrations":["Accounting","CRM","HR and payroll","Payments","Data"],"compliance":[],"regions":[],"onboarding_days":null,"min_team_size":null,"max_team_size":null,"problems_solved":[],"personas":[],"_entry_api":"https://topelevens.com/api/lists/cash-flow-forecasting-software/9","_entry_md":"https://topelevens.com/api/lists/cash-flow-forecasting-software/9/md","_anchor":"https://topelevens.com/cash-flow-forecasting-software#rank-9"},{"rank":10,"name":"Pigment","url":"https://www.pigment.com/","founded":null,"hq":null,"team_size_band":null,"best_for":"Larger finance teams planning across ERP, CRM and HR data, who accept a trial or demo and a custom price.","best_for_short":"Large-company planning platform","pricing_band":"Quote only, price not published on the page we could open (Start free trial and Book a demo only)","score_out_of_94":4.5,"score_breakdown":{"Cash Flow Forecast Depth":3,"Scenario Planning & Accuracy Tracking":5,"Accounting & Bank Connections":8.5,"Pricing Transparency & TCO":2,"Reporting & Collaboration":6,"Startup & SMB Fit":3},"verdict":"Pigment ranks tenth because the home page names many integrations and offers a free trial, but it describes no cash flow forecasting, and lists forecasting in its Planner Agent as coming soon.","verdict_short":"Wide integrations, no cash forecast described.","praise":"Named integrations include SAP, Sage Intacct, NetSuite, Salesforce, HiBob, Google Sheets, Excel and several data lakes, and a free trial button is shown.","praise_short":"Many named integrations and a trial.","criticism":"The page does not describe cash flow forecasting, and no price is published. The Planner Agent forecasting is listed as coming soon.","criticism_short":"No cash forecast and no price.","sources_pending":["https://www.pigment.com/, accessed 2026-10-19"],"risk_signals":{"level":"none","checked":"2026-10-19","summary":"No risk-signal search was run for this entry; none observed on the vendor pages read on 2026-10-19.","signals":[]},"price_min":null,"price_max":null,"currency":"USD","free_tier":false,"setup_fee":null,"integrations":["SAP","Sage Intacct","NetSuite","Salesforce","HiBob","Google Sheets","Excel","MCP server"],"compliance":[],"regions":[],"onboarding_days":null,"min_team_size":null,"max_team_size":null,"problems_solved":[],"personas":[],"_entry_api":"https://topelevens.com/api/lists/cash-flow-forecasting-software/10","_entry_md":"https://topelevens.com/api/lists/cash-flow-forecasting-software/10/md","_anchor":"https://topelevens.com/cash-flow-forecasting-software#rank-10"},{"rank":11,"is_wildcard":true,"name":"Brixx","url":"https://brixx.com/pricing","founded":null,"hq":null,"team_size_band":null,"best_for":"Founders who build a three-way forecast themselves, want every feature on every plan and are on Xero for actuals.","best_for_short":"Cheap three-way forecast, Xero actuals","pricing_band":"$ (Foundations $25, Professional $50, Enterprise $75 per month; $20, $40 and $60 per month on annual billing)","score_out_of_94":null,"verdict":"Brixx is a self-build forecasting tool with a price ladder that is easy to read. A three-way forecast links cash flow, profit and loss and balance sheet, and every plan includes all features, with forecast length and the number of plans as the only differences.","verdict_short":"Simple ladder, three-way forecast.","praise":"Actuals vs forecast is on all paid subscriptions, and Xero actuals update daily or on demand. Funding calculators cover loans and investor inputs, and tax calculations cover VAT, GST, Sales Tax and Corporation Tax.","praise_short":"All features on every plan.","criticism":"Only Xero is named as an integration, so QuickBooks users would work from imports we could not confirm. The page mentions no free trial, only a free account for viewing a shared plan. Forecast length is 1, 3 or 10 years by plan.","criticism_short":"Xero only, no trial.","sources_pending":["https://brixx.com/pricing, accessed 2026-10-19"],"risk_signals":{"level":"none","checked":"2026-10-19","summary":"No risk-signal search was run for this entry; none observed on the vendor pages read on 2026-10-19.","signals":[]},"price_min":20,"price_max":75,"currency":"USD","free_tier":false,"setup_fee":null,"integrations":["Xero model creation","Xero actuals automation"],"compliance":[],"regions":[],"onboarding_days":null,"min_team_size":null,"max_team_size":null,"unrated":true,"wildcard_model":{"version":"wildcard-v2.0","verdict":"This is the clearest example I found of a small forecasting tool that keeps every feature on every plan.","signals":[{"metric":"under_the_radar","reading":"notable","note":"The pricing page is short and readable, and the tool does not appear beside the larger planning platforms."},{"metric":"impact_density","reading":"strong","note":"A three-way forecast, funding calculators and tax calculations come with a $25 monthly plan."},{"metric":"category_fit_anomaly","reading":"notable","note":"It is a planning model you build, not a tool that forecasts from bank data, so it fits founders who want control more than automation."},{"metric":"ceiling_distance","reading":"notable","note":"The top plan allows 5 plans and a 10-year forecast, and extra plans cost $5 per month."},{"metric":"price_integrity_under_growth","reading":"strong","note":"The page lists extra-plan pricing and an annual discount, so growth cost is visible."}],"right_for":"A founder who wants a three-year forecast for a raise and already keeps books in Xero.","wrong_for":"A finance team that wants a 13-week forecast refreshed from bank feeds.","computed":"2026-10-19"},"problems_solved":[],"personas":[],"_entry_api":"https://topelevens.com/api/lists/cash-flow-forecasting-software/11","_entry_md":"https://topelevens.com/api/lists/cash-flow-forecasting-software/11/md","_anchor":"https://topelevens.com/cash-flow-forecasting-software#rank-11"}]}