Top 6 Cash Flow Forecasting Software in 2025

Looking to get better control of your cash in 2025? Start here. Finance teams are increasingly turning to cash flow forecasting software to gain visibility into their liquidity and make smarter decisions about when to pay vendors, collect from customers, and optimize working capital. According to Gartner, organizations that implement automated cash forecasting solutions see up to 30% improvement in forecast accuracy compared to spreadsheet-based methods.

But here's the challenge: research from AFP (Association for Financial Professionals) shows that 43% of organizations still rely primarily on spreadsheets for cash forecasting, despite the availability of more sophisticated tools. This guide compares the 6 leading cash flow forecasting solutions available today, so you can pick the right fit for your team.

Let's get started.

What is Cash Flow Forecasting Software?

Cash flow forecasting software automates the process of predicting future cash positions by consolidating data from your accounting system, bank accounts, AP, AR, and other financial sources. Instead of manually updating spreadsheets every week, modern forecasting platforms use AI and real-time data integration to give you accurate, forward-looking visibility into your liquidity.

In 2025, the best forecasting tools don't just show you numbers—they help you plan payments, model different scenarios, and make strategic decisions that preserve and extend working capital.

What are the Benefits of Cash Flow Forecasting Software?

By automating your forecasting process, finance teams can:

• Make better decisions faster. Know exactly how much cash you'll have next week, next month, or next quarter without manual data entry.
• Prevent cash crunches. Research from PYMNTS shows that 82% of small business failures are attributed to poor cash flow management—most of which could be prevented with better forecasting.
• Optimize working capital. Use forecast data to strategically time payments and collections, maximizing your cash position.
• Improve accuracy. AI-driven predictions learn from historical patterns, reducing errors that plague manual forecasting. McKinsey research indicates that machine learning models can improve short-term cash forecast accuracy by 30-50%.
• Save time. Eliminate hours of spreadsheet work each week and get real-time updates automatically.

Modern forecasting software also integrates with your AP and AR systems, so you can see how payment decisions impact your future cash position before you commit.

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How Can I Choose the Best Cash Flow Forecasting Software?

When evaluating forecasting platforms, consider these factors:

1. ERP and banking integration. Does it connect natively to your accounting system (NetSuite, Sage Intacct, QuickBooks) and pull live data automatically?
2. AI-driven predictions. Can it forecast future cash positions based on historical patterns, or does it just show you actuals?
3. Scenario planning. Can you model different payment schedules or collection assumptions and see the impact on your forecast?
4. AP/AR planning tools. Does it let you shift payment dates or collection timelines and immediately see how that affects liquidity?
5. 13-week cash forecast. Does it provide a rolling 13-week view, which treasury professionals cite as the industry standard for operational cash forecasting?
6. Multi-entity support. If you have multiple entities or subsidiaries, can it consolidate cash positions across all of them?
7. Ease of use. Is the interface intuitive enough that your finance team can use it daily without extensive training?
8. Support and implementation. Does the vendor offer white-glove onboarding and ongoing customer success support?

The best cash flow forecasting software will balance powerful automation with ease of use, so your team can forecast with confidence without creating new complexity.

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Methodology

To identify the top cash flow forecasting platforms of 2025, we evaluated dozens of solutions based on core capabilities like data integration, AI-driven predictions, scenario planning, and user experience. Our criteria included customer reviews (including G2 and Gartner Peer Insights), integration breadth, platform features, and real-world implementation feedback from finance teams. We also factored in insights from Centime's own finance operations and benchmarks across industries to ensure a fair and comprehensive selection.

What is the best cash flow forecasting software for 2025?

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1. Centime: Best overall cash flow forecasting platform ‍
2. Jirav: Best for companies needing integrated FP&A with multiple subsidiary consolidation
3. Pulse: Best for Xero users with straightforward forecasting requirements‍
4. Dryrun: Best for scenario modeling in agencies and project-based firm
5. Float: Best for simple cash visibility without complex planning features
6. Runway: Best for early-stage startups tracking burn rate and fundraising runway

Centime is the only all-in-one finance automation platform that combines cash flow forecasting with AP automation, AR automation, and business banking. Unlike standalone forecasting tools, Centime's forecasting module is deeply embedded in your actual financial workflows—meaning every invoice you process, payment you schedule, and collection you make automatically updates your cash forecast in real time.

What sets Centime apart is that it's built directly into NetSuite, Sage Intacct, and QuickBooks, giving you true ERP-native forecasting rather than sync-based connections. This means you're always working with live data, and your forecast regenerates automatically as transactions flow through your system.

According to reviews on G2, customers consistently praise Centime's forecasting accuracy and the ability to plan AP and AR decisions directly within the forecast view.

Centime's Pricing

Centime offers flexible pricing plans tailored to business size and requirements. Clients can mix and match products from their platform suite based on their unique needs, making it easy to start with forecasting and expand into AP/AR automation as needed.

Main Target Users for Centime

Centime is designed for mid-market companies ($10M-$500M revenue) on NetSuite, Sage Intacct, or QuickBooks who want to unify their cash management, AP, and AR operations in one platform. It's especially valuable for CFOs and controllers who need strategic cash visibility without maintaining separate systems for forecasting, payables, and receivables.

Pros of Centime

• Only platform that combines forecasting with AP/AR automation. Centime provides a complete view of your cash cycle—from invoice to payment to collection—all feeding into one unified forecast.
  
  
• ERP-native integration. Unlike tools that sync periodically, Centime is embedded in NetSuite and Sage Intacct, with deep QuickBooks integration, ensuring forecasts always reflect current actuals.
  
  
• AI-driven predictions. Centime's forecasting engine uses machine learning to predict when customers will pay and when invoices should be settled, based on historical patterns and payment behavior.
  
  
• Interactive AP/AR planning. The Cash Plan tool lets you model payment timing changes and see instant impact on your forecast—helping you make strategic decisions about when to pay vendors or accelerate collections.
  
  
• Automated 13-week rolling forecast. Centime automatically generates industry-standard 13-week cash forecasts with customizable consolidation periods (daily, weekly, monthly).
  
  
• Earn yield on cash. Unlike pure forecasting tools, Centime helps you earn 2.50% APY on AP funds†† through FNBO banking integration—actually turning your AP float into profit while you forecast.
  
  
• White-glove customer support. Every Centime customer gets a dedicated success manager and technical support team, ensuring smooth implementation and ongoing optimization.
  
  

Cons of Centime

• Centime currently only integrates with NetSuite, Sage Intacct, QuickBooks Online, QuickBooks Desktop, and Microsoft Dynamics 365 BC (Coming Soon). Companies using other ERPs won't be able to use the platform—though this narrow focus is precisely what enables Centime's best-in-class ERP integrations.
  

Centime Summary

Centime stands out as the only cash flow forecasting solution that's embedded in a complete finance automation platform. Rather than being a standalone forecasting tool, it gives you strategic cash visibility while you're already managing your AP, AR, and banking operations. The combination of real-time ERP integration, AI predictions, and interactive planning tools makes it the best choice for mid-market teams who want to control their cash and optimize working capital.

With best-in-class ERP integrations and dedicated customer service, Centime is the top choice for comprehensive cash flow forecasting and end-to-end finance automation for growing businesses.

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Jirav is a financial planning and analysis (FP&A) platform that includes cash flow forecasting as one module within a broader suite of budgeting, reporting, and scenario planning tools. According to G2 reviews, Jirav is popular among companies that need to consolidate financial data across multiple entities and produce board-ready reports.

The platform is particularly strong for companies that want their cash forecast to tie directly into their annual budget, rolling forecasts, and long-term financial models.

Jirav's Main Target Users

Jirav targets mid-market companies with complex organizational structures—particularly those with multiple subsidiaries, locations, or business units that need consolidated financial planning.

Jirav's Pricing

According to Jirav's website, pricing is custom and based on company size and modules selected.

Pros of Jirav

• Comprehensive FP&A platform. If you need budgeting, workforce planning, and scenario modeling in addition to cash forecasting, Jirav provides all of these in one place.
  
  
• Multi-entity consolidation. Jirav excels at rolling up financial data across multiple legal entities, making it useful for holding companies or businesses with complex structures.
  
  
• Strong reporting capabilities. The platform offers customizable dashboards and board presentation templates.

Cons of Jirav

• Cash forecasting is not the primary focus. Unlike Centime, which embeds forecasting in daily AP/AR operations, Jirav treats cash forecasting as one module among many. Teams looking primarily for cash visibility may find the platform over-featured for their needs.
  
  
• No AP/AR automation. Jirav doesn't help you actually manage payables or receivables—it only forecasts them. You'll still need separate tools for invoice processing and payment execution.
  
  
• Steep learning curve. User reviews on G2 note that Jirav can be complex to set up and requires significant training for teams to use effectively.
  
  
• No yield on cash or banking features. Jirav is purely a planning tool—it doesn't help you optimize or earn returns on your cash positions.
  
  

Summary of Jirav

Jirav is a solid choice for companies that need comprehensive FP&A functionality and want cash forecasting to be part of a broader financial planning process. However, for teams whose primary goal is operational cash visibility and working capital optimization, Centime's focused approach and embedded AP/AR integration deliver more immediate value.

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Pulse is a straightforward cash flow forecasting tool designed for small businesses that want to see their future cash position without the complexity of enterprise treasury software. According to Capterra reviews, users appreciate Pulse for its simplicity and clean visual interface that makes cash trends easy to understand at a glance.

Pulse connects to QuickBooks and Xero to pull in historical data, then lets you manually add expected income and expenses to project your future cash position. It's designed for businesses that want visibility without automation—think of it as an enhanced spreadsheet rather than an AI-powered forecasting engine.

Pulse's Main Target Users

Pulse targets small businesses (typically under $10M revenue) and solopreneurs who want basic cash visibility without investing in comprehensive finance automation. It's particularly popular among freelancers, consultants, and small agencies.

Pulse's Pricing

According to Pulse's pricing page, plans start at $59/month for the basic plan and go up for their advanced plan. This makes it one of the most affordable forecasting tools on the market.

Pros of Pulse

• Simple and easy to learn. Pulse requires minimal training—most users can start forecasting within an hour of signing up.
  
  
• Visual cash runway display. The platform shows you graphically how long your current cash will last based on your projected burn rate, making it easy to spot potential shortfalls.
  
  
• Affordable for small businesses. At under $100/month, Pulse is accessible for businesses that aren't ready to invest in enterprise-grade forecasting software.
  
  
• Basic scenario planning. You can create multiple forecast scenarios to model different business outcomes, though these require manual input.
  
  

Cons of Pulse

• No AI-driven predictions. Unlike Centime, Pulse doesn't automatically predict when customers will pay or when invoices should be settled. You have to manually input every expected transaction.
  
  
• Limited to basic accounting data. Pulse pulls in historical transactions from your accounting software but doesn't integrate with banking, AP systems, or AR platforms—meaning you're missing real-time cash position data.
  
  
• Manual data entry required. According to user reviews on G2, the need to manually add upcoming transactions makes Pulse time-consuming to maintain, especially as businesses grow.
  
  
• No AP/AR planning tools. You can't model payment timing decisions or see how shifting receivables impacts your forecast—it's purely a viewing tool, not a planning platform.
  
  
• No working capital optimization. Pulse doesn't help you earn yield on cash, extend payment terms, or optimize your cash conversion cycle.
  
  

Summary of Pulse

Pulse serves small businesses well when they're just starting to move beyond spreadsheets and want simple cash visibility. However, as companies grow and need more sophisticated forecasting, AP/AR integration, and working capital optimization, they typically outgrow Pulse quickly. For mid-market businesses, Centime offers the automation, accuracy, and strategic planning capabilities that Pulse lacks.

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Dryrun is a cash flow forecasting tool specifically designed for project-based businesses like marketing agencies, consulting firms, and professional services companies. According to their website, Dryrun's unique strength is its ability to tie cash forecasts directly to individual projects and client engagements.

The platform integrates with QuickBooks and Xero to pull in financial data, then lets you create detailed forecasts based on project milestones, client payment schedules, and resource costs. Reviews on Capterra highlight that Dryrun is particularly useful for agencies that bill clients in stages and need to understand cash flow on a per-project basis.

Dryrun's Main Target Users

Dryrun targets creative agencies, consulting firms, IT services companies, and other project-based businesses that need to forecast cash around client engagements rather than just overall business operations.

Dryrun's Pricing

According to Dryrun's pricing page, plans are customized.

Pros of Dryrun

• Project-based forecasting. Dryrun lets you create separate forecasts for each client or project, making it easy to see which engagements will generate cash and when.
  
  
• Scenario planning interface. The platform makes it easy to create and compare multiple "what-if" scenarios, helping you model different business outcomes.
  
  
• Client payment tracking. You can track expected payments by client and send forecasts to clients showing when you expect to be paid based on project milestones.
  
  
• Burn rate analysis. Dryrun shows you how long your cash will last at current spending levels, which is useful for agencies managing tight margins.
  
  

Cons of Dryrun

• Limited to QuickBooks and Xero. Dryrun doesn't integrate with mid-market ERPs like NetSuite or Sage Intacct, limiting its usefulness for growing companies.
  
  
• Manual data entry for projects. While Dryrun pulls historical data from your accounting system, you still need to manually input project milestones and expected payment dates. According to G2 reviews, this can be time-consuming for agencies juggling dozens of projects.
  
  
• No AP automation or AR collections. Dryrun is purely a forecasting and planning tool—it doesn't help you actually process invoices, collect payments, or manage vendor bills.
  
  
• No AI predictions. Unlike Centime, Dryrun doesn't use machine learning to predict customer payment behavior or optimize your forecast based on historical patterns.
  
  
• Limited to project-based models. If your business doesn't operate on a project basis (for example, if you have recurring revenue or sell products), Dryrun's interface isn't optimized for your workflow.
  
  

Summary of Dryrun

Dryrun fills a specific niche for project-based businesses that need to forecast cash around client engagements. However, its manual nature and lack of integration with AP/AR operations make it less suitable for companies seeking comprehensive finance automation. For businesses that want forecasting embedded in their daily financial workflows—not as a separate planning exercise—Centime provides more automated and actionable insights.

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Float is a cash flow forecasting tool built specifically for Xero users, though it has since expanded to support QuickBooks, FreeAgent, and other accounting platforms. According to Float's website, the platform focuses on giving small businesses a simple visual forecast of their cash position based on scheduled transactions and bank balances.

Float pulls data from your accounting software and bank accounts, then displays your projected cash runway on a timeline. Reviews on G2 indicate that users appreciate Float's clean interface and ease of setup, though many note that it lacks more sophisticated planning features.

Float's Main Target Users

Float primarily serves small businesses and startups (typically under 50 employees) that use Xero/QB and want straightforward cash visibility without investing in complex treasury management software.

Float's Pricing

According to Float's pricing page, plans start at $25/month for small businesses and go up depending on your current annual revenue. They offer a 14-day free trial.

Pros of Float

• Quick setup. Float is one of the easiest forecasting tools to implement—most businesses can connect their accounting software and start seeing forecasts within minutes.
  
  
• Clean visual interface. The platform presents cash flow data in an intuitive timeline format that makes trends easy to spot.
  
  
• Bank account integration. Float connects to your bank accounts to show real-time balances alongside projected cash flow, giving you a complete picture of liquidity.
  
  
• Basic scenario planning. You can create alternative forecasts to model different business outcomes.
  
  

Cons of Float

• No AI-driven predictions. Float shows you scheduled transactions and lets you manually add expected income and expenses, but it doesn't use machine learning to predict payment timing or customer behavior.
  
  
• Limited planning capabilities. Unlike Centime's Cash Plan tools, Float doesn't let you model payment timing decisions or see how shifting AR/AP impacts your forecast in real time.
  
  
• No AP/AR automation. Float is purely a visualization tool—it doesn't help you process invoices, execute payments, or collect from customers. You'll need separate systems for these operations.
  
  
• Weak ERP integration for mid-market. Float doesn't integrate with NetSuite or Sage Intacct, making it unsuitable for companies that have outgrown QuickBooks or Xero.
  
  
• No working capital optimization. According to user feedback on Capterra, Float doesn't provide tools to help you earn yield on cash, optimize payment timing, or extend working capital.
  
  
• Manual maintenance required. Reviews frequently mention that Float requires regular manual updates to keep forecasts accurate as business conditions change.
  
  

Summary of Float

Float works well for small businesses that need basic cash visibility and don't require sophisticated forecasting capabilities. However, its manual nature and lack of AP/AR integration limit its value for growing companies. For mid-market teams that want forecasting embedded in their financial operations with AI-driven predictions and strategic planning tools, Centime delivers a significantly more powerful solution.

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Runway is a financial planning platform designed specifically for venture-backed startups that need to track burn rate, forecast cash runway, and plan around fundraising rounds. According to TechCrunch coverage, Runway has raised significant venture funding to build a platform that helps founders understand how long their cash will last and when they need to raise their next round.

The platform integrates with accounting software and banking to show real-time cash position, then projects how long current funds will last based on monthly burn. Reviews on G2 indicate that Runway is particularly popular among seed-stage and Series A companies that are pre-profitability and need to carefully manage cash until their next fundraise.

Runway's Main Target Users

Runway targets venture-backed startups (typically Series Seed through Series B) that are burning cash and need to model scenarios around hiring plans, marketing spend, and fundraising timelines.

Runway's Pricing

According to Runway's website, pricing is custom based on company size and complexity.

Pros of Runway

• Burn rate focus. Runway is specifically designed around the startup metric that matters most—how fast you're burning cash and how long until you run out.
  
  
• Fundraising scenario planning. You can model different fundraising timelines and see how they impact your runway, helping you plan when to start raising your next round.
  
  
• Hiring plan integration. Runway lets you build detailed hiring plans and see exactly how new employees will impact burn rate and runway.
  
  
• Board presentation templates. The platform includes presentation tools designed specifically for startup board meetings, making it easy to report on cash position to investors.
  
  

Cons of Runway

• Built for startups, not established businesses. If your company is profitable or post-Series C, Runway's focus on burn rate and fundraising runway becomes less relevant. The platform isn't designed for companies managing working capital optimization or maximizing cash efficiency.
  
  
• No AP/AR automation. Runway doesn't help you process invoices, collect payments, or manage vendor bills—it's purely a planning and visualization tool.
  
  
• Limited to high-level planning. Unlike Centime, which lets you model specific payment timing decisions, Runway focuses on macro-level planning (hiring, marketing spend, fundraising) rather than operational cash management.
  
  
• No AI predictions for AR/AP. Runway doesn't predict when customers will pay or when vendors should be paid based on historical patterns—it assumes you'll manually input these projections.
  
  
• No working capital optimization. Runway doesn't help you earn yield on cash or strategically extend payment terms to preserve liquidity.
  
  
• Expensive relative to features. For companies that just need cash flow forecasting, Runway's pricing can be high compared to more focused tools.
  
  

Summary of Runway

Runway serves early-stage startups well when they're primarily concerned with burn rate and fundraising runway. However, as companies mature and shift focus to profitability, working capital management, and operational efficiency, Runway's feature set becomes less relevant. For mid-market companies that need forecasting integrated with AP/AR operations and banking, Centime provides a more comprehensive and operationally-focused solution.

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‍Adopting cash flow forecasting software doesn't have to disrupt your finance operations. The most successful implementations start with clear goals: do you need better visibility into future cash positions? Are you trying to prevent shortfalls? Do you want to optimize payment timing?

Start by mapping your current forecasting process—even if it's just a spreadsheet. Identify what data sources you're pulling from (accounting system, bank accounts, AP/AR schedules) and which cash drivers matter most to your business. Look for software that integrates natively with your ERP and banking platforms to minimize manual data entry.

According to Association of Corporate Treasurers, the most common forecasting implementation pitfalls are: (1) choosing software that doesn't integrate well with existing systems, (2) underestimating the time required to clean historical data, and (3) failing to get buy-in from AP/AR teams who need to use the system daily.

The best platforms (like Centime) offer white-glove onboarding that includes ERP connection, data validation, and training for your team—so you're forecasting accurately from day one rather than spending months configuring settings.

It's often easiest to roll out forecasting in phases. Start with basic cash position visibility, then expand into AP/AR planning, scenario modeling, and eventually multi-entity consolidation as your team gets comfortable with the platform.

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‍The right cash flow forecasting software depends on your business size, industry, and specific needs. However, a few principles hold true across the board:

For most mid-market companies, the best forecasting software integrates directly with your existing financial workflows rather than operating as a standalone tool. This means forecasts stay accurate without manual data entry, and you can make operational decisions (like payment timing) based on real-time cash impact.

AI-driven predictions matter more than manual modeling. The best forecasting platforms use machine learning to predict customer payment behavior and vendor payment patterns based on historical data—eliminating guesswork and improving accuracy over time.

Forecasting alone isn't enough. The most valuable platforms combine cash visibility with actionable tools: AP planning that shows you how delaying payments impacts liquidity, AR planning that helps you prioritize collections, and banking integration that lets you move funds or earn yield based on forecast insights.

When evaluating options, consider:

• Can it handle your ERP? If you're on NetSuite, Sage Intacct, or QuickBooks, make sure the forecasting tool has native, real-time integration—not just nightly syncs that leave you working with stale data.
  
  
• Does it include AP/AR planning? The ability to model "what-if" scenarios around payment and collection timing is essential for strategic cash management.
  
  
• Is it part of a broader platform? Standalone forecasting tools create data silos. Platforms that combine forecasting with AP automation, AR automation, and banking give you more leverage to actually optimize your cash position.
  
  
• What's the total cost of ownership? Don't just look at subscription fees—consider implementation time, training requirements, and whether you'll need additional tools to manage payables and receivables.
  
  

For growing mid-market businesses, Centime provides the most comprehensive solution by embedding AI-driven cash flow forecasting directly in your AP, AR, and banking operations—giving you strategic visibility and operational control in one platform.

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