Top 5 Cash Flow Forecasting Solutions in 2026
Float, Agicap, Fathom, Jirav, then Dryrun (9.1–7.9). Float is the dedicated cash runway layer for Xero, QuickBooks Online, and FreeAgent. Agicap pairs European bank aggregation with liquidity forecasting. Fathom blends Xero-forward reporting with three-way projections. Jirav unifies driver-based P&L, balance sheet, and cash for growth-stage FP&A. Dryrun gives QuickBooks Online shops a lean scenario workbench without a full suite.
How we ranked
Evidence from November 2024 through May 2026 spans Reddit, G2, TrustRadius, TechCrunch, Jirav’s blog, Centime, Finverium, Xero Apps, Facebook, and X.
- Forecasting depth and scenario quality (0.28) — rolling 13-week views, unlimited or tiered scenarios, and how cleanly vendors translate AR/AP timing into cash curves.
- Accounting and bank data connectivity (0.27) — native sync into ledgers, refresh cadence, multi-entity coverage, and whether bank feeds reduce manual CSV uploads.
- Speed to insight and daily UX (0.18) — hours to first forecast, clarity of warnings, and how often teams reopen the tool during the month.
- Reporting and stakeholder readiness (0.15) — board packs, variance commentary, exports, and permissions for operators versus investors.
- Practitioner sentiment (0.12) — recurring praise or fatigue on Reddit, G2, TrustRadius, and trade press during the same window.
The Top 5
#1Float9.1/10
Verdict — The specialist pick when the job is cash runway, not a full three-statement rebuild, for teams already living in Xero, QuickBooks Online, or FreeAgent.
Pros
- Cash-first timelines with daily, weekly, and monthly views plus scenario branches for hiring or late receipts.
- Native Xero, QuickBooks Online, and FreeAgent sync avoids rebuilding spreadsheet waterfalls each close.
- Unlimited collaborators on paid tiers reduce finance bottlenecks when founders need the same runway view.
Cons
- Narrower ERP coverage than FP&A suites; some NetSuite-heavy groups still add a consolidation layer.
- Deep treasury banking beyond the ledger may need another bank-data vendor.
Best for — SMB and lower mid-market teams that want continuous cash visibility without fragile spreadsheets.
Evidence
- TrustRadius reviewers emphasize Float’s Xero and QuickBooks Online integrations and visual runway.
- G2’s Float versus Budgyt comparison places Float beside broader rolling forecast tools buyers cross-shop.
Links
- Official site: Float
- Pricing: Float pricing
- Reddit: QuickBooks Online cash planner reliability discussion
- G2: Float Cash Flow Forecasting versus Budgyt
#2Agicap8.8/10
Verdict — The European-forward treasury and liquidity platform for CFOs who want bank visibility, forecasting, and working-capital workflows in one control room.
Pros
- Bank aggregation plus forecasting targets the Excel-heavy cash culture TechCrunch highlighted around Agicap’s Series C.
- Scenario layers for FX swings, delayed receipts, and facility draws fit post-rate-volatility stress testing.
- Strong traction across DACH, Iberia, and the UK for multi-entity banking programs.
Cons
- North American buyers must still validate bank coverage versus domestic-first tools.
- Pricing rewards larger liquidity programs; lean SMBs may feel over-provisioned.
Best for — European mid-market CFOs standardizing liquidity decisions across entities and banks.
Evidence
- TechCrunch reported Agicap’s roughly $48 million Series C in November 2024.
- Agicap’s funding article outlines credit management and FX depth on the roadmap.
Links
- Official site: Agicap
- Pricing: Agicap plans overview
- Reddit: Small-business cash tracking habits thread
- G2: Agicap reviews hub
#3Fathom8.5/10
Verdict — The reporting-and-forecasting hybrid for Xero-centric advisors and operators who need KPI packs beside three-way cash projections.
Pros
- Consolidation across multiple Xero files helps franchises and multi-brand groups.
- Commentary, benchmarks, and management reports cut board-deck assembly time.
- Long-standing Xero marketplace presence signals integration maturity.
Cons
- Breadth exceeds cash-only minimalism; some teams still pair a dedicated cash timeline.
- QuickBooks-centric buyers should validate SKU fit before committing.
Best for — Xero-first advisors and operators who want cash inside a broader insights suite.
Evidence
- Xero’s US app listing for Fathom documents reporting plus cash flow projections tied to ledger data.
- G2’s Fathom reviews capture advisor-led rollout sentiment.
Links
- Official site: Fathom
- Pricing: Fathom pricing
- Reddit: Accounting software frustrations thread
- G2: Fathom reviews
#4Jirav8.2/10
Verdict — The driver-based FP&A suite for venture-backed and fast-growing SMBs that want hiring, revenue, and working-capital levers to flow into cash automatically.
Pros
- Driver-based three-way models link P&L, balance sheet, and cash for runway questions.
- Workforce and operational connectors reduce finance-only spreadsheet silos.
- Scenario libraries help boards compare hiring or revenue shocks without nightly rebuilds.
Cons
- Heavier onboarding than pure cash tools without implementation discipline.
- FP&A pricing can exceed lightweight forecasting budgets.
Best for — Venture-backed and fast-growing SMBs that need planning, reporting, and cash together.
Evidence
- G2’s Jirav versus Planful comparison signals depth versus enterprise planning grids.
- Jirav’s cash forecasting best practices article documents how the vendor coaches teams on rolling forecasts.
Links
- Official site: Jirav
- Pricing: Jirav pricing
- Reddit: QuickBooks cash planner discussion
- G2: Jirav versus Planful
#5Dryrun7.9/10
Verdict — A QuickBooks Online-first scenario workbench for lean finance teams that want best-base-worst cases without adopting a full FP&A suite.
Pros
- Side-by-side best-base-worst scenarios answer leadership what-if questions quickly.
- QuickBooks Online-native positioning shortens time-to-value for many SMBs.
- Manual overrides keep controller judgment when history misstates the next quarter.
Cons
- Less multi-bank treasury breadth than Agicap-class suites.
- Lower brand recognition than Float in Xero-heavy peer sets.
Best for — QuickBooks Online shops that need disciplined scenario reviews before adopting full FP&A.
Evidence
- G2 Dryrun reviews note QuickBooks Online connectivity and teaching scenarios to non-finance leaders.
- Centime’s vendor roundup still lists Dryrun among SMB forecasting options buyers compare.
Links
- Official site: Dryrun
- Pricing: Dryrun pricing
- Reddit: Small-business finance tooling thread
- G2: Dryrun reviews
Side-by-side comparison
| Criterion | Float | Agicap | Fathom | Jirav | Dryrun |
|---|---|---|---|---|---|
| Forecasting depth and scenario quality | Deep cash-only timelines with fast scenario branches | Bank-aware liquidity scenarios plus FX and credit modules | Three-way forecasts inside reporting packs | Driver-linked P&L, BS, and cash with broad scenario libraries | Lean best-base-worst modeling for QBO |
| Accounting and bank data connectivity | Native Xero, QBO, FreeAgent sync | Bank aggregation plus ERP connectors | Strong Xero and QBO reporting integrations | Accounting, HRIS, and ops connectors for unified models | QBO-first sync with manual overrides |
| Speed to insight and daily UX | Fast cash cockpit for operators | Treasury-grade dashboards with more setup | Guided reporting workflows for advisors | FP&A depth rewards structured onboarding | Fast scenario spin-up for lean teams |
| Reporting and stakeholder readiness | Cash runway clarity for leadership | CFO-grade liquidity reporting | Board-ready packs and commentary | Board and investor-grade integrated planning | Leadership-friendly scenario views |
| Practitioner sentiment | Strong niche acclaim in cloud accounting | Momentum in EU treasury conversations | Trusted advisor channel on Xero | High marks from growth CFOs | Positive QBO-centric SMB notes |
| Score | 9.1 | 8.8 | 8.5 | 8.2 | 7.9 |
Methodology
We surveyed November 2024–May 2026 sources: Reddit, G2, TrustRadius, Capterra, TechCrunch, Centime, Finverium, Jirav blog, Xero Apps, Facebook, and X. Scenario fidelity and ledger connectivity carried the highest weights because cash forecasts fail when AR/AP timing or bank silos drift from reality. Scores follow score = Σ (criterion score × weight) with editorial judgment per vendor, overweighting practitioner proof from cloud accounting communities.
FAQ
Is Float better than Dryrun for QuickBooks Online shops?
Float optimizes for continuous cash runway inside QBO, while G2 conversations on Dryrun emphasize scenario teaching for lean teams; pick Float when daily cash truth matters most, Dryrun when leadership workshops multiple cases monthly.
When does Agicap beat Float?
When European bank aggregation, FX, and working-capital programs matter as much as ledger sync, per TechCrunch’s Series C reporting and Agicap’s roadmap notes on credit modules.
Do advisors prefer Fathom or Jirav?
Fathom aligns with Xero-heavy reporting and commentary workflows per the Xero app listing, while Jirav’s comparison positioning on G2 suits growth companies that need operational drivers alongside cash.
Can QuickBooks Online’s built-in cash view replace these tools?
Practitioners in this QBO thread still debate simplicity versus decision-grade runway; most teams layer a specialist forecast once AR/AP volume rises.
Where should treasury start between Agicap and Jirav?
Start with Agicap when bank and liquidity operations lead the roadmap; choose Jirav when integrated FP&A, workforce drivers, and cash must move together per Jirav’s cash forecasting guidance.
Sources
- Reddit — QuickBooks Online cash planner thread
- Reddit — Small-business income tracking thread
- Reddit — Accounting expense software discussion
- G2 — Float versus Budgyt
- G2 — Agicap reviews
- G2 — Fathom reviews
- G2 — Jirav versus Planful
- G2 — Dryrun reviews
- TrustRadius — Float Cash Flow reviews
- Capterra — Jirav listing
- TechCrunch — Agicap Series C coverage
- Agicap — Series C announcement
- Centime — Top cash flow forecasting software
- Finverium — Best cash flow forecasting tools
- Jirav — Cash flow forecasting best practices
- Xero — Fathom app marketplace page
- Facebook — Agicap official page
- X — Float on X