Best Cash Flow Forecasting Tools in 2026
Float publishes $105 to $315 a month on yearly. Pulse runs $29 to $89. Agicap is an annual conversation. This is not an FP&A suite list.
Float (USD, ex-VAT, yearly): Essentials $105 a month ($130 monthly), Growth $215 ($265), Scale $315 ($389), which covers up to 5 entities, then $63 a month per extra entity on yearly. 14-day trial. Connects to Xero and QuickBooks. Pulse: Basics $29 a month, Small Business $59 a month, Premium $89 a month 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 Agicap is annual with a 12-month minimum; they do not publish a dollar amount.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.
Key facts5 tools compared: Float, Pulse, Agicap, Google Sheets, Microsoft Excel
- 5 tools compared: Float, Pulse, Agicap, Google Sheets, Microsoft Excel
- Pulse (best for: A business with one company that will type or import and wants the $29 plan): From $29/mo (Basics); 30-day trial, no long-term contract
- Agicap (best for: European groups with several companies that want cash, bank connectivity, and an annual deal): Custom annual quote; 12-month minimum, no public price
- Google Sheets (best for: A first 13-week model while you decide whether Float is worth $105): Free with a Google account
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.
The cash tool with a rate card: $105 yearly Essentials, more when entities pile up.
From $105/mo (Essentials, billed yearly); 14-day trial
Xero or QuickBooks shops that want a 13-week cash view with a published plan
From $29/mo (Basics); 30-day trial, no long-term contract
A business with one company that will type or import and wants the $29 plan
Custom annual quote; 12-month minimum, no public price
European groups with several companies that want cash, bank connectivity, and an annual deal
| Tool | Pricing | Best for |
|---|---|---|
| Float | From $105/mo (Essentials, billed yearly); 14-day trial | Xero or QuickBooks shops that want a 13-week cash view with a published plan |
| Pulse | From $29/mo (Basics); 30-day trial, no long-term contract | A business with one company that will type or import and wants the $29 plan |
| Agicap | Custom annual quote; 12-month minimum, no public price | European groups with several companies that want cash, bank connectivity, and an annual deal |
| Google Sheets | Free with a Google account | A first 13-week model while you decide whether Float is worth $105 |
| Microsoft Excel | Included with a Microsoft 365 seat; desktop licenses vary | Controllers who already live in a weekly cash workbook and do not want another login |
Pricing read from each vendor's own pricing page, checked Sep 2026. 1 of 5 sells by quote only and publishes no price; that entry says so rather than estimating. 1 of 5 has no standalone price (bundled, usage-based or free to self-host) and is described as charged, not guessed.
- Pricing
- From $105/mo (Essentials, billed yearly); 14-day trial
Best for: Xero or QuickBooks shops that want a 13-week cash view with a published plan
Pros
- Three published rungs, so you can budget before a demo
- Xero and QBO sync is the product, not an integration slide
- Entities beyond Scale's five are a known $63 a month yearly, not a surprise SKU
Cons
- Essentials at $105 is real money next to Pulse at $29
- Growth and Scale are easy to buy because the demo used their features
Pulse
$29 for the basics, $59 when you have more than one financial account, $89 for unlimited.
- Pricing
- From $29/mo (Basics); 30-day trial, no long-term contract
Best for: A business with one company that will type or import and wants the $29 plan
Pros
- Cheapest published rung on this list
- Scenarios by toggling entries, which is the actual job
- 30-day trial and cancel on the billing page
Cons
- Basics is one simple setup. More accounts jump to $59, unlimited to $89
- It is not a Xero-native controller tool the way Float is
Agicap
The annual cash platform. You will talk to sales. That is the price model.
- Pricing
- Custom annual quote; 12-month minimum, no public price
Best for: European groups with several companies that want cash, bank connectivity, and an annual deal
Pros
- 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
Cons
- No public dollars, so you cannot budget from this page
- 12-month minimum
Google Sheets
The default. Free, and it will drift the week nobody updates the bank column.
- Pricing
- Free with a Google account
Best for: A first 13-week model while you decide whether Float is worth $105
Pros
- $0
- You already know the tool
- Good enough to prove the cash question before a SaaS login
Cons
- No Xero sync unless you build it
- Version control is a filename
Microsoft Excel
The other default. Powerful, and still a file someone has to refresh.
- Pricing
- Included with a Microsoft 365 seat; desktop licenses vary
Best for: Controllers who already live in a weekly cash workbook and do not want another login
Pros
- 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
Cons
- Not a cash product. Integrations are yours
- Easy to fork into three conflicting workbooks
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 for a single-entity company that Essentials would have covered.
Key features to look for
Pricing
Float and Pulse publish list prices, checked 25 September 2026. Agicap is quote-only: an annual subscription with a 12-month minimum, multi-company and bank connections via contact, paid by SEPA or card. The cheapest credible dedicated entry is Pulse Basics at $29 a month, with a 30-day trial (the card is charged after) and no long-term contract.
Float Essentials is $105 a month on yearly billing, or $130 if billed monthly, in USD, ex-VAT, with a 14-day trial, and Scale includes up to 5 entities, with each one beyond that at $63 a month on yearly.
Costs jump at Pulse Small Business ($59 a month) for multiple financial accounts and a QuickBooks Online link, and at Pulse Premium ($89 a month) for unlimited accounts, currency conversion and attachments, then through Float Growth and Scale.
Google Sheets is free with a Google account, and Excel is included with a Microsoft 365 seat while desktop licenses vary.
| Plan | Price | Best for |
|---|---|---|
| Float Essentials | $105/mo yearly ($130 monthly) | Entry plan, 14-day trial, USD, ex-VAT |
| Float Growth | $215/mo yearly ($265 monthly) | Second of three published rungs |
| Float Scale | $315/mo yearly ($389 monthly) | Highest of three published rungs |
| Float extra entities | $63/mo on yearly | Per entity beyond the 5 included in Scale, yearly billing |
| Pulse Basics | $29/mo | 30-day trial, then the card is charged |
| Pulse Small Business | $59/mo | Multiple financial accounts, team access, QuickBooks Online sync |
| Pulse Premium | $89/mo | Unlimited accounts, currency conversion, attachments |
| Agicap | Custom quote | Annual, 12-month minimum, multi-company and banks, SEPA or card |
| Google Sheets | Free | Free with a Google account; you pay time |
| Microsoft Excel | Included with Microsoft 365 | Desktop licenses vary; not a dedicated cash product |
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?
How much does Float cost?
How much does Pulse cost?
Is this the same as AI budgeting and forecasting?
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