Does keeping track of your business’s cash flow feel like too much to handle? Think about how helpful it would be if predicting your cash flow was as simple as checking the weather. When you have a clear forecast, you can make better decisions and help keep your business strong and ready to grow.
Choosing the right tool is key to getting this level of financial clarity. In 2025, there are many tools on the market, but only a few stand out. In this article, we’ll go over 11 of the best cash flow forecasting tools that can help your business stay on track.
What Is Cash Flow Forecasting?
Cash flow forecasting is when a business estimates how much money will come in and go out over a certain period of time. This helps a business plan ahead so it can pay its bills and avoid running out of cash.
Having a good forecast in place allows a business to plan for growth, make smart financial choices, and avoid running into money problems.
Why Is Cash Flow Forecasting Important?
Cash flow forecasting matters for many reasons. Some of the most important include:
- Keeps Cash Available: A solid forecast helps make sure a business has enough money to pay expenses and stay out of financial trouble.
- Helps with Planning: When you understand your future cash flow, it’s easier to plan for things like growth, new projects, or big purchases.
- Better Decisions: Good cash flow data leads to better decisions about spending, hiring, and daily operations.
Types of Cash Flow Forecasting
There are a few types of forecasting, and each one suits different needs:
- Short-Term Forecasting: This usually covers 1 to 3 months. It focuses on meeting near-term needs and managing everyday expenses.
- Medium-Term Forecasting: This is used for periods of 3 to 12 months. It helps with planning budgets and tracking performance over time.
- Long-Term Forecasting: This looks more than a year ahead and helps with long-term planning, future growth, and investments.
Benefits of Using Cash Flow Forecasting Software
Switching from spreadsheets or paper to software can improve how you manage your cash flow in several ways:
- More Accurate: Automation helps avoid mistakes and leads to better results you can rely on.
- Saves Time: Software helps you build forecasts quickly so you can spend more time on business planning.
- Real-Time Information: Many tools use live data to give updates as things change, helping you respond faster.
- What-If Scenarios: You can test different situations — like a big purchase or a drop in sales — and see how it affects your cash flow.
Common Challenges and How Software Can Help
Even though forecasting is helpful, it does come with challenges:
- Data Accuracy: If your data is off, your forecast will be too. Software solves this by collecting data automatically and checking for errors.
- Too Complicated: When a business has lots of income and expenses, managing it manually can be hard. Forecasting tools bring everything together, making it easier to manage.
- Things Keep Changing: Market changes and company updates can affect cash flow. Good tools adjust forecasts in real time to keep you up to date.
Top 11 Cash Flow Forecasting Tools in 2025
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Savant
Savant offers a tool that brings together data from different places to help with forecasting. It suits both small businesses and large companies.
Main Features
- Brings together data from invoices and expenses
- Filters out errors and allows clear tracking of how cash flow is calculated
- Breaks forecasts into income sources and shows trends
- AI tools allow easy workflow setup without coding
Integrations
Savant supports over 200 input and output connectors, including Workday, Snowflake, SAP HANA, and Oracle DB. It can also send data to Excel, email, or messaging apps.
Pros
- Combines data from many places
- Customizable for different business needs
- Accurate and checks data automatically
Cons
- May be too advanced for businesses with simpler needs
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Workday Adaptive Planning
This tool is built for larger businesses and helps manage budgets and forecasts without using spreadsheets.
Main Features
- Tools for managing budgets and planning
- Helps plan staffing and sales goals
- Handles capital and scenario planning
Integrations
Connects with Excel, Oracle, NetSuite, SAP, Sage Intacct, Salesforce, and Microsoft Dynamics GP.
Pros
- Strong tools for tracking cash
- Keeps detailed records
- Clear and detailed reporting
Cons
- Takes time and training to learn
- Limited use with Google Sheets
- Long setup time
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Vena Solutions
Vena is a cloud-based system for managing finances and cash flow.
Main Features
- Forecasts based on key financial drivers
- Uses AI to improve predictions
- Clear step-by-step workflows
- Secure database
Integrations
Works with Excel, Dynamics 365, SQL Server, Oracle, SAP, NetSuite, QuickBooks, and more.
Pros
- Good support team
- Flexible reports
- Works on mobile
Cons
- Can be hard to learn
- Slows down with large files
- May need consultants to set up
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Cube
Cube helps businesses bring all their financial data into one place for better planning.
Main Features
- Combines data from different sources
- Offers customizable dashboards
- Allows scenario planning
- Works both ways with Excel and Google Sheets
Integrations
Supports Oracle NetSuite, Sage Intacct, Xero, ADP, Workday, and more.
Pros
- Works well with spreadsheets
- Gives real-time updates
- Tracks user actions
Cons
- Limited visual reports
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Mosaic
Mosaic helps companies with real-time forecasting and planning by pulling together all their financial information.
Main Features
- Adjusts forecasts as data changes
- Allows multiple scenario comparisons
- Easy-to-read dashboards
- Automates reports
Integrations
Works with QuickBooks, NetSuite, Salesforce, and Google Sheets.
Pros
- Easy to use
- Fits growing businesses
- Gives quick access to current data
Cons
- Some tools take time to master
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Drivetrain
Drivetrain uses AI to update financial forecasts with real-time data.
Main Features
- Forecasts change automatically
- Allows scenario testing
- Reduces manual data work
- Has clear visuals
Integrations
Connects with Google Sheets, Excel, ERP systems, and Salesforce.
Pros
- Provides helpful insights
- Easy to use
- Reports can be customized
Cons
- Built mainly for business-to-business companies
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HighRadius
HighRadius automates billing and forecasting with advanced AI, ideal for large companies.
Main Features
- Handles billing and payments
- Uses AI to plan future cash needs
- Manages liquidity and credit risks
Integrations
Connects with its own ERP, Oracle ERP, Microsoft Dynamics, and Workday.
Pros
- Many helpful features
- Strong AI tools
- Grows with your business
Cons
- Takes a while to set up
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SAP
SAP’s financial tools help large businesses manage cash and plan for the future.
Main Features
- Tracks cash and manages bank accounts
- Works in the cloud
- Combines financial and operations planning
Integrations
Links to SAP S/4HANA and other ERP and CRM systems like Salesforce.
Pros
- Trusted by many industries
- Full set of financial tools
- Meets global compliance needs
Cons
- Can be hard to use at first
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Anaplan
Anaplan is built to help businesses of all sizes improve performance through smart planning.
Main Features
- Scenario planning
- Sales and purchasing forecasts
- Cost tracking by employee
- Manages risk by currency
Integrations
Connects with Excel, PowerPoint, Salesforce, and others.
Pros
- Brings all planning together
- Easy to customize
- Detailed analysis
Cons
- Takes time to learn
- Limited Excel features
- Few layout options for reports
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Centage
Centage is a cloud-based tool for budgeting and forecasting with clear financial insights.
Main Features
- Uses past data for forecasting
- Scenario planning
- Reports from across departments
- Workforce planning
Integrations
Works with QuickBooks, NetSuite, Sage, Blackbaud, SYSPRO, and others.
Pros
- Updates in real-time
- Custom setup
- Works across departments
Cons
- Long and costly to set up
- Harder for new users
- Some risk of data issues
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Planful
Planful is a full FP&A tool that helps with cash flow planning, reporting, and decision-making.
Main Features
- AI and machine learning forecasting
- Forecasting based on financial drivers
- Helps close financial periods
- Plans workforce and scenarios
Integrations
Connects with Excel, Salesforce, QuickBooks, Oracle, and more.
Pros
- Flexible templates
- Handles complex reporting
- Automates many tasks
Cons
- Hard to learn
- Takes time to set up
- Collaboration can be tricky
How to Choose the Right Forecasting Software
When picking a cash flow forecasting tool, keep these points in mind:
- Size and Needs: Make sure the software fits your business now and in the future.
- Budget: Look for value, not just price.
- Integrations: Choose a tool that works well with your current systems.
- Customization and Growth: The tool should grow with your business and allow changes.
- Ease of Use: The easier it is to use, the more value your team can get from it.
Prepare Your Business for the Future
Cash flow forecasting helps you stay in control, make smart choices, and plan ahead. The tools listed here are among the best in 2025, and each one has something different to offer.
Take a close look at your business’s size, needs, budget, and tools you already use, then pick the software that fits best.
Choosing the right tool now can help your business avoid financial problems and stay on the path to growth.
