Expert Guide Editorially reviewed

The Best Cash Flow Forecasting Tools in 2026

Float publishes $105 to $315 a month on yearly. Pulse is $29 or $89. Agicap is an annual conversation. This is not an FP&A suite list.

Louis CorneloupFounder, Dupple · 840,000+ readers · Updated Aug 2026

Independently researched. No pay-for-placement. 5 tools compared

TL;DR

Float (USD, ex-VAT, yearly): Essentials $105 a month ($130 monthly), Growth $215 ($265), Scale $315 ($389). Extra entities $63 a month yearly. 14-day trial. Connects to Xero and QuickBooks. Pulse: Basics $29 a month, Extra Features $89 a month, Premium for unlimited accounts. 30-day trial. Agicap is annual with a 12-month minimum; they do not publish a dollar amount. FP&A tools like Datarails and Cube are a different page.

Cash flow tools look like budgeting software. They are not. A cash forecast answers when the bank account is empty. An FP&A suite answers what the P&L will say.

Buying Cube to see next Tuesday's cash is how finance ends up in a six-month implementation for a 13-week view.

The useful comparison is the published monthly fee and whether the tool talks to Xero or QuickBooks, because a beautiful forecast that you retype from the bank is a spreadsheet with extra login.

Top Picks

Based on features, real-world fit, and value for money.

Best Cash Flow Forecasting Tools in 2026: 5 tools compared, updated Aug 2026
Tool	Pricing	Best for
Float	USD, ex-VAT. Yearly: Essentials $105/month ($130 monthly), Growth $215 ($265), Scale $315 ($389). Extra entities…	Xero or QuickBooks shops that want a 13-week cash view with a published plan
Pulse	Basics $29/month. Extra Features $89/month (multiple financial accounts, currencies, attachments). Premium: unlimited…	A single-entity business that will type or import and wants a $29 cash calendar
Agicap	Annual subscription, minimum 12 months. No public dollar amount on the pricing page. Multi-company and bank connections…	European and multi-entity groups that want cash plus bank connectivity and will do an annual deal
Google Sheets	Free with a Google account. You pay time. Checked 26 August 2026.	A first 13-week model while you decide whether Float is worth $105
Microsoft Excel	Included with a Microsoft 365 seat you may already pay for. Desktop Excel licenses vary; confirm on microsoft.com. Not…	Controllers who already live in a weekly cash workbook and do not want another login

Pricing read from each vendor's own published pricing page, checked Aug 2026. Every vendor here publishes a price.

Float

Top Pick

Best for: Xero or QuickBooks shops that want a 13-week cash view with a published plan

PricingUSD, ex-VAT. Yearly: Essentials $105/month ($130 monthly), Growth $215 ($265), Scale $315 ($389). Extra entities $63/month on yearly. 14-day trial. Xero and QuickBooks Online. Checked 26 August 2026.

+Three published rungs, so you can budget before a demo

+Xero and QBO sync is the product, not an integration slide

+Extra entities are a known $63 a month yearly, not a surprise SKU

−Essentials at $105 is real money next to Pulse at $29

−Growth and Scale are easy to buy because the demo used their features

Visit Float →

Pulse

Best for: A single-entity business that will type or import and wants a $29 cash calendar

PricingBasics $29/month. Extra Features $89/month (multiple financial accounts, currencies, attachments). Premium: unlimited financial accounts, currency conversion, attachments. 30-day trial, then the card is charged. No long-term contract. Checked 26 August 2026.

+Cheapest published rung on this list

+Scenarios by toggling entries, which is the actual job

+30-day trial and cancel on the billing page

−Basics is one simple setup. Complex books jump to $89

−It is not a Xero-native controller tool the way Float is

Visit Pulse →

Agicap

Best for: European and multi-entity groups that want cash plus bank connectivity and will do an annual deal

PricingAnnual subscription, minimum 12 months. No public dollar amount on the pricing page. Multi-company and bank connections are "contact us". SEPA or card. Checked 26 August 2026.

+Built for several companies and a lot of bank feeds

+Cash plus spend visibility in one vendor if that is the brief

+Trial with an expert, which fits a group rollout

−No public dollars, so you cannot budget from this page

−12-month minimum

Visit Agicap →

Google Sheets

Best for: A first 13-week model while you decide whether Float is worth $105

PricingFree with a Google account. You pay time. Checked 26 August 2026.

+$0

+You already know the tool

+Good enough to prove the cash question before a SaaS login

−No Xero sync unless you build it

−Version control is a filename

Visit Google Sheets →

Microsoft Excel

Best for: Controllers who already live in a weekly cash workbook and do not want another login

PricingIncluded with a Microsoft 365 seat you may already pay for. Desktop Excel licenses vary; confirm on microsoft.com. Not a dedicated cash product. Checked 26 August 2026.

+No new vendor if 365 is already on the invoice

+Power Query can pull banks if you will set it up

+Scenarios are just another sheet

−Not a cash product. Integrations are yours

−Easy to fork into three conflicting workbooks

Visit Microsoft Excel →

What it is

A cash flow forecasting tool imports bank and accounting actuals, then projects receipts and bills on a weekly or daily timeline. Scenarios toggle a delayed invoice or a new hire. The category is smaller than FP&A. It is closer to a structured 13-week cash model than to a driver-based operating budget.

Some tools stay in that lane (Float, Pulse). Others (Agicap) sell cash plus spend visibility and quote annually.

Why it matters

Float bills a plan plus entities. Pulse bills a feature rung. Agicap bills a year. Those are not comparable line items. A $29 Pulse Basics account that you update by hand is cheaper than Float Essentials at $105 and will fall apart if you have three entities.

Paying Scale at $315 because the demo used multi-entity is the usual overbuy when Essentials would have held.

Key features to look for

Accounting connection

Xero and QuickBooks are the default. No connection means you are typing.

Entities and currencies

The first paid gate on Float. Pulse Extra is $89 when you outgrow one account.

Scenario toggles

Whether you can turn a bill off and see the week the cash breaks. That is the job.

Who updates it

A founder on Pulse versus a controller on Float. The tool follows the person.

Not FP&A

If you need board budgets and workforce plans, you want the other CFOpresso list.

Mistakes to avoid

×Buying an FP&A suite (Datarails, Cube, Anaplan) because the demo said forecasting. That is a P&L engine. This page is the bank account.

×Jumping to Float Scale at $315 when Essentials at $105 and one extra entity at $63 would have held.

×Signing Agicap's 12-month minimum for a one-entity $29 problem.

Expert tips

→If you are on Xero or QuickBooks and will look at cash every week, Float Essentials at $105 yearly is the published default.

→If you are one entity and will update it yourself, try Pulse at $29 for a month before you pay Float.

→Keep the spreadsheet until the first month the SaaS tool matches the bank. Then stop maintaining two forecasts.

The bottom line

Use Float Essentials at $105 a month yearly if Xero or QuickBooks is the source of truth. Use Pulse at $29 if the books are simple and you will maintain the entries. Talk to Agicap only if you want an annual, multi-company cash platform and you accept no public price.

Stay in Sheets or Excel until the question is weekly. For board budgets, use the FP&A list, not this one.

Frequently asked questions

What is the cheapest cash flow forecasting tool?

Google Sheets or Excel if you already have them. Pulse Basics at $29 is the cheapest dedicated product on this list. Float starts at $105 a month yearly.

How much does Float cost?

Checked 26 August 2026: yearly Essentials $105 a month ($130 monthly), Growth $215 ($265), Scale $315 ($389), extra entities $63 a month yearly. Prices in USD, ex-VAT. 14-day trial.

How much does Pulse cost?

Checked 26 August 2026: Basics $29 a month, Extra Features $89 a month, Premium for unlimited financial accounts. 30-day trial, then they charge the card. No long-term contract.

Is this the same as AI budgeting and forecasting?

No. That CFOpresso list is FP&A (Datarails, Cube, Anaplan). This list is 13-week cash. You might own both. The invoices and the users are different.

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