# Cash Flow Frog vs Fathom vs Jirav: 11 Best Cash Flow Forecasting Software 2026

> 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.

- URL: https://topelevens.com/cash-flow-forecasting-software
- Last verified: 2026-10-19
- Methodology: https://topelevens.com/methodology
- JSON: https://topelevens.com/api/lists/cash-flow-forecasting-software · CSV: https://topelevens.com/api/lists/cash-flow-forecasting-software/csv

## Ranking

### #1 Cash Flow Frog · 8.5/9.4
- 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.
- null · founded null · $ (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)
- 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.
- Pro: 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.
- Con: 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.
- Risk signals (none, checked 2026-10-19): No risk-signal search was run for this entry; none observed on the vendor pages read on 2026-10-19.

### #2 Fathom · 8.1/9.4
- Best for: Advisors, fractional CFOs and finance leads who want three-way forecasting, drivers and consolidated reporting across one or more companies.
- null · founded null · $$ (Pro $450 per month for 25 connected companies; Portfolio $67 per month for 100 companies; Enterprise quote only; 14-day trial)
- 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.
- Pro: 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.
- Con: 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.
- Risk signals (none, checked 2026-10-19): No risk-signal search was run for this entry; none observed on the vendor pages read on 2026-10-19.

### #3 Jirav · 7.8/9.4
- Best for: Startups and SMBs that want driver-based planning where the cash flow forecast sits beside the P&L and balance sheet.
- null · founded null · $ (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)
- 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.
- Pro: 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.
- Con: 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.
- Risk signals (none, checked 2026-10-19): No risk-signal search was run for this entry; none observed on the vendor pages read on 2026-10-19.

### #4 LivePlan · 7.4/9.4
- 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.
- null · founded null · $ (Standard $20 per month or $15 per month paid annually; Premium $40 or $30; 35-day money-back guarantee, no trial mentioned)
- 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.
- Pro: Both Standard and Premium include cash flow projections without spreadsheets, and the forecast updates from connected accounting software. Forecasts export as CSV.
- Con: 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.
- Risk signals (none, checked 2026-10-19): No risk-signal search was run for this entry; none observed on the vendor pages read on 2026-10-19.

### #5 Agicap · 7.2/9.4
- 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.
- null · founded null · Quote only, price not published on the page we could open (the UK pricing page showed no figures and a 12-month minimum term)
- 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.
- Pro: 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.
- Con: 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.
- Risk signals (none, checked 2026-10-19): No risk-signal search was run for this entry; none observed on the vendor pages read on 2026-10-19.

### #6 Xero · 6.2/9.4
- Best for: Small businesses already on Xero that want a basic short-range cash flow forecast inside their accounting system.
- null · founded null · $ (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)
- 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.
- Pro: All three plan prices and forecast lengths are on the page. The Established plan adds multiple currencies and KPI analysis.
- Con: 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.
- Risk signals (none, checked 2026-10-19): No risk-signal search was run for this entry; none observed on the vendor pages read on 2026-10-19.

### #7 QuickBooks · 5.7/9.4
- Best for: Small businesses on QuickBooks Advanced that want built-in cash flow forecasting with AI insights.
- null · founded null · $$ (Simple Start $38, Essentials $85, Plus $140, Advanced $340 per month; 50% off for 3 months; Free plan listed)
- 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.
- Pro: Prices for five plans are on the page, and the Plus plan lists plan budgets and a beta scenario chat feature.
- Con: 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.
- Risk signals (none, checked 2026-10-19): No risk-signal search was run for this entry; none observed on the vendor pages read on 2026-10-19.

### #8 Planful · 5.3/9.4
- Best for: Mid-size finance teams that want a full planning and consolidation platform and are comfortable with a demo-led purchase.
- null · founded null · Quote only, price not published on the page we could open (home page shows Book a Demo only)
- 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.
- Pro: The home page describes baseline forecasts, what-if scenarios, thousands of connectors and a read-only MCP server for Claude.
- Con: 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.
- Risk signals (none, checked 2026-10-19): No risk-signal search was run for this entry; none observed on the vendor pages read on 2026-10-19.

### #9 Cube · 4.6/9.4
- Best for: Finance teams that already run planning in spreadsheets and want a managed layer, and that accept a quote-based purchase.
- null · founded null · Quote only, price not published on the page we could open (Bronze, Silver and Gold plans quoted through a form)
- 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.
- Pro: 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.
- Con: 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.
- Risk signals (none, checked 2026-10-19): No risk-signal search was run for this entry; none observed on the vendor pages read on 2026-10-19.

### #10 Pigment · 4.5/9.4
- Best for: Larger finance teams planning across ERP, CRM and HR data, who accept a trial or demo and a custom price.
- null · founded null · Quote only, price not published on the page we could open (Start free trial and Book a demo only)
- 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.
- Pro: Named integrations include SAP, Sage Intacct, NetSuite, Salesforce, HiBob, Google Sheets, Excel and several data lakes, and a free trial button is shown.
- Con: The page does not describe cash flow forecasting, and no price is published. The Planner Agent forecasting is listed as coming soon.
- Risk signals (none, checked 2026-10-19): No risk-signal search was run for this entry; none observed on the vendor pages read on 2026-10-19.

### #11 [WILDCARD, UNRATED] Brixx
- Unrated by design. Selected by the wildcard signal model (wildcard-v2.0): https://topelevens.com/methodology/wildcard
- Signal read: This is the clearest example I found of a small forecasting tool that keeps every feature on every plan.
  - under_the_radar (notable): The pricing page is short and readable, and the tool does not appear beside the larger planning platforms.
  - impact_density (strong): A three-way forecast, funding calculators and tax calculations come with a $25 monthly plan.
  - category_fit_anomaly (notable): 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.
  - ceiling_distance (notable): The top plan allows 5 plans and a 10-year forecast, and extra plans cost $5 per month.
  - price_integrity_under_growth (strong): 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.
- Best for: Founders who build a three-way forecast themselves, want every feature on every plan and are on Xero for actuals.
- null · founded null · $ (Foundations $25, Professional $50, Enterprise $75 per month; $20, $40 and $60 per month on annual billing)
- 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.
- Pro: 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.
- Con: 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.
- Risk signals (none, checked 2026-10-19): No risk-signal search was run for this entry; none observed on the vendor pages read on 2026-10-19.

## FAQ

**How much does cash flow forecasting software cost?**

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.

**Is there free cash flow forecasting software?**

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.

**What is the difference between Cash Flow Frog and Fathom?**

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.

**Can my accounting software do the job?**

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.

**Which of these need a sales call?**

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.

**How often is this list updated?**

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.