Best Cash Flow Management Software (2026): Top 9 Compared

Float is a cash flow forecasting application from The Float Yard Ltd, based in Edinburgh. It describes itself as the cash decision layer between accounting and reporting, and states that more than 8,000 finance teams use it.

Float connects to Xero or QuickBooks Online and builds a rolling forecast from reconciled bank balances, invoices, bills and bank transactions. It syncs every 24 hours and can be refreshed on demand. It does not connect to banks directly, so it covers any bank the accounting platform already reads. The same forecast can be viewed weekly, by 13 weeks or by month, and the monthly view extends up to three years on the higher plans.

Scenario planning lets a team switch income and cost lines on or off and price new hires before committing. AR and AP views map each invoice and bill to its expected date, and Intelligent Suggestions flags recurring costs found in transaction history. Comments, mentions and three permission roles (Admin, Editor and Viewer) support collaboration, and presentation mode and exports cover reporting.

Pricing depends on revenue taken from the most recent full financial year. Small Business includes 12-month forecasts and optional guided onboarding for £99. Growth extends forecasts to 36 months and includes onboarding. Scale adds multi-entity consolidation and priority support with a named contact.

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Agicap

mid-marketagicap.com ↗

Agicap positions itself as a cash flow management platform for SMBs and mid-market companies. Its website states that it serves more than 8,000 clients in 12 countries, and its UK office is in London.

The platform connects banking and accounting flows. Agicap states compatibility with more than 300 UK, Irish and international banks and more than 150 accounting and financial software packages, using Open Banking APIs and other integrations. Cash positions are grouped across accounts, currencies and entities, and the company describes short-term forecasts projected up to 13 weeks ahead from actual data, alongside category-based and longer-term cash plans with scenarios.

Beyond forecasting, Agicap sells modules for payments and transfers, bank reconciliation with automatic journal posting, accounts payable automation with OCR invoice capture and approval workflows, and accounts receivable automation with follow-ups and invoice financing options. The website also lists investment management, consolidation, cash pooling and debt management, plus Agicap AI and a connection that lets users query liquidity data from Claude.

Agicap describes itself as a complement to FP&A tools rather than a replacement: it is built for daily cash management, while FP&A covers long-term planning. Buyers who need both should plan for two systems.

Kyriba is a liquidity performance platform for treasury and finance teams, with products for treasury, risk management, payments, connectivity and working capital. It lists enterprise, midsize, public sector and bank customers.

For cash management, Kyriba consolidates prior-day and intraday bank data across accounts, banks, entities and currencies, using cash position worksheets and dynamic reporting. It connects to more than 10,000 banks through SWIFT, host-to-host, EBICS and API channels. Bank reporting, transaction matching, reconciliation and general ledger posting can be automated, and bank account management covers signatories, documentation and fee analysis.

Kyriba's cash forecasting combines connected data with AI predictions, benchmarking and variance analysis. Teams can model delayed receivables, shifting payment timing and market volatility, and compare forecasts with actuals pulled from bank statements and ERP ledgers. Kyriba publishes a success story titled as Varsity Brands achieving more than 90% forecasting accuracy; that is a single-customer vendor claim.

Liquidity structures include physical and notional cash pooling, sweeping to concentration accounts, in-house banking with payments and receipts on behalf of subsidiaries, multilateral netting and intercompany loans. Kyriba's Trusted AI (TAI) adds agentic workflows with human approval and audit trails.

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Trovata

mid-markettrovata.io ↗

Trovata is a cash and liquidity management platform built on normalised bank data. Its products are Trovata Cash for cash visibility, forecasting, reporting and AI insights, Trovata TMS for wider treasury workflows, and Bank Pro and MultiBank Connector for banks and fintechs that embed multibank data.

The Base Package on the pricing page lists balances, transactions, transaction tags, analysis, reports, forecasts, cash positioning, reconciliation, payments, entity management, Trovata AI, workbooks, statements, investments and a developer portal. It includes integrations with the NetSuite SuiteApp and FloQast. Trovata states that forecasts are built from historical data, ERP inputs and projected activity, across short and long horizons.

Trovata TMS adds capital markets, account management and fee analysis, intercompany and in-house banking, global payments automation, a full treasury sub-ledger and interest rate and FX hedging. The homepage reports platform figures of 56,000 bank accounts and more than 295 million daily bank transactions, and it announces Trovata AI 2.0 for governed automation of repeatable treasury work.

Customer quotes on the site come from treasury staff at Lemonade, Cloud Software Group and Park Place Technologies, which fits teams that have outgrown spreadsheets and bank portals but may not need a full TMS on day one.

Nomentia is a Finnish treasury software company whose Smart Treasury Suite has five modules: Connect for bank and system connectivity, Pay for payments, View for cash visibility and forecasting, Manage for financing, investments and risk, and Optimise for cash pooling and in-house banking. Nomentia lists offices in Finland, Sweden, Austria, Germany, the Netherlands, Poland and the United Kingdom, and states more than 10,000 bank connections.

Cash Flow Forecasting sits in the View module. It combines manual subsidiary inputs, entered through controlled templates with validation and deadlines, with ERP, bank and treasury instrument cash flows across daily, weekly and monthly periods. Rolling forecasts can be built from AR, AP and bank data, and amounts or timing can be adjusted without changing the source data.

The AI reference forecast learns from the customer's own historical bank transactions, ERP actuals and past forecasts. It runs beside the subsidiary forecasts as a benchmark rather than replacing them, and reports show the variances. Users choose the transactions, model, horizon and scope per use case, and an Auto-select option evaluates and applies a model. Forecasts can be reported in transaction, entity or group currency and aggregated by country, region or division.

Nomentia's website refers to 1,400+ customer case studies and highlights European security certifications.

Ripple Treasury is the treasury management platform whose cash forecasting product is described as powered by GTreasury. It offers modules for liquidity management, cash forecasting, intercompany netting, payments and in-house banking, risk management, reconciliation and regulatory reporting, connected through its ClearConnect bank and ERP connectivity suite.

The cash forecasting product is aimed at mid-market companies. It forecasts by business unit rather than by bank account, across entities and currencies, and tracks intercompany movements between units. Bank data is captured daily, categorised automatically and posted to the forecast model, and users can drill from a summary to transaction-level detail. The interface is described as Excel-like, with customisable cash flow categories, subtotals and reporting calendar, and budgets can be translated into detailed cash flow.

GSmart Forecast Insights compares forecasts with actuals automatically, and a generative AI Insight Agent highlights patterns and outliers. The homepage states that 44% of customers use Forecast Insights. Ripple Treasury claims a 30%+ increase in forecast accuracy; that figure is a vendor marketing claim.

The homepage lists 300+ pre-built bank connectors, 13,000 connected banks, a seven-day target to connect any API-enabled bank and 99.9% uptime. The platform also supports digital asset accounts alongside traditional bank accounts.

Dryrun is a cash flow forecasting and scenario modelling product from LEVR Media Inc. in Edmonton, Canada. It is aimed at CFOs, controllers and the client advisers or CPAs who forecast for them, and it presents itself as a replacement for spreadsheet models.

Dryrun syncs with Sage Intacct, Microsoft Dynamics 365 Business Central, Oracle NetSuite, Intuit Enterprise Suite, QuickBooks Online and Xero, and its Universal Import brings in further spreadsheet and ERP files. Forecasts show expected receipts, payments and balances in daily, weekly and monthly views, so a team can move from immediate cash needs to longer planning without rebuilding the model.

Cash management features let users adjust expected collection and payment dates to find shortfalls early. Customisation covers timing, amounts and assumptions, including projects, deposits, payroll, debt and planned purchases that accounting records do not yet capture. Scenario modelling compares the working forecast with alternative plans for hiring, equipment, growth or delayed collections.

Multi-entity forecasting consolidates and rolls up entities so a healthy total does not hide a local shortfall. Reporting includes budget versus actuals and live currency conversion. The features page also lists read-only and read-write controls, user management and CRM integration.

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Cash Flow Frog

smbcashflowfrog.com ↗

Cash Flow Frog turns accounting data into a live, rolling cash flow forecast of up to 36 months. It states that most businesses get a first forecast within minutes of connecting their books, with no spreadsheets or manual entry.

The product connects to eight platforms: QuickBooks Online, QuickBooks Desktop, Xero, Sage Intacct, Zoho Books, FreshBooks, Odoo and direct bank feeds through Plaid. It also lists Excel. Data syncs automatically, so the forecast reflects the latest actuals.

Features fall into three groups. Cash flow management covers the forecast itself, scenarios for hiring, spending and growth, and projections that users add or generate automatically from their data. Reporting covers board-ready cash flow statements, consolidation of several businesses and daily to quarterly breakdowns up to three years out. Insights include customer rankings by collection and payment punctuality, a VAT and GST forecast and ongoing planned-versus-actual analysis. Tracking by class or department is also listed.

Cash Flow Frog supports the Model Context Protocol, so an AI assistant can query the forecast, add projections and run what-if scenarios in conversation. The company states ISO 27001 certification, GDPR compliance, encryption and two-factor authentication, and runs a programme for accountants and bookkeepers. A 14-day trial needs no card.

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Pulse

smbpulseapp.com ↗

Pulse is a web-based cash flow monitoring and forecasting application designed for small businesses. Its customers, according to the homepage, include creative and technology agencies, service providers, restaurants, manufacturers, retail shops, contractors and freelancers.

The product replaces a cash flow spreadsheet. Users enter recurring income and expenses, which scale automatically, and view cash flow by year, month, week or individual day. Money in and money out are tracked with categories and reports, and scenarios are tested by toggling entries and accounts on or off to see the effect on future cash. Customer and project reports show how profitable each is expected to be.

Basics covers cash flow management in any currency with categories, reports and scenario toggles. The Small Business Plan, which Pulse marks as recommended, adds cash flow across multiple financial accounts, invitations for investors, bookkeepers or managers, a QuickBooks Online integration and tracking of actuals beside projections. Premium adds unlimited financial accounts, currency conversion for localised reporting and attachment of invoices or contracts to entries.

Pulse suits owners who manage cash themselves rather than finance teams. It does not list bank feeds, multi-entity consolidation or ERP integrations.