Key takeaways
- Cash flow forecasting software links to your accounting software and projects your bank balance weeks or months ahead, so you can see a shortfall before it happens.
- Float's Small Business plan costs £99 a month, or £79 a month billed annually, excluding VAT, for companies under £2 million revenue, with 13-week and 12-month forecasts, checked on 6 November 2026.
- Float's Growth plan, for companies over £2 million revenue, is £199 a month or £159 billed annually, with 36-month forecasts and unlimited users.
- Xero includes a cash flow forecast on every UK plan, from 30 days on Ignite (£18 a month) to 180 days on Ultimate (£70 a month), excluding VAT.
- Fathom Pro lists at $450 a month for 25 companies, in US dollars, with three-way forecasting, aimed at accountants advising many clients.
- Brixx lists plans from $20 a month billed annually, in US dollars, with linked cash flow, profit and loss and balance sheet forecasts.
- Fluidly, the cash flow tool bought by OakNorth in 2021, closed to customers in April 2023, and fluidly.com now redirects to OakNorth.
Cash flow forecasting software pulls invoices, bills and bank data from your accounting software and projects your bank balance forward, so you can see a shortfall weeks before it happens. In the UK the main options are Float from £79 a month, Xero’s built-in forecast on every plan, and modelling tools such as Brixx and Fathom priced in US dollars. Prices come from each provider’s own page, checked on 6 November 2026, and providers are listed alphabetically, not ranked.
What happened to Fluidly?
Fluidly no longer operates as a standalone product. OakNorth bought Fluidly at the end of 2021, and Fintech Alliance reported on 8 February 2023 that it would stop serving customers at the end of April 2023. The fluidly.com address now redirects to OakNorth’s partnerships page, which does not mention Fluidly.
If you still see Fluidly in comparison lists or old client files, it needs replacing. That is why this guide covers Fathom in its place.
What does cash flow forecasting software do?
It turns your ledger into a forward view of cash. Typical features are:
- a daily sync with Xero, QuickBooks or another ledger
- forecasts built from due dates of invoices and bills
- scenarios such as a late customer payment, new hire or loan
- budget against actual comparisons
- reports to share with directors, lenders or clients
A spreadsheet can do the same job for a simple business. Our guide to cash flow forecasting for small businesses shows how.
How much does cash flow forecasting software cost?
Prices run from nothing extra (inside Xero) to several hundred pounds a month. All figures below exclude VAT or sales tax.
| Tool | Published price | Forecast length |
|---|---|---|
| Brixx Foundations | $20 a month, yearly | Up to 1 year |
| Fathom Pro | $450 a month, 25 companies | Long-term, by plan |
| Float Small Business | £79 a month, yearly | 12 months |
| Float Growth | £159 a month, yearly | 36 months |
| Xero Ignite | £18 a month | 30 days |
| Xero Ultimate | £70 a month | 180 days |
Brixx and Fathom show a GBP currency option but displayed US dollar prices when we checked.
Brixx
Brixx is forecasting and planning software that links cash flow, profit and loss and balance sheet so they always agree. It has calculators for VAT and Corporation Tax, loans and investors, and compares actuals with forecast.
| Plan | Monthly | Billed yearly |
|---|---|---|
| Foundations | $25 | $20 a month |
| Professional | $50 | $40 a month |
| Enterprise | $75 | $60 a month |
Forecasts run up to 1, 3 or 10 years by plan. Brixx syncs actuals from Xero; its pricing page did not mention QuickBooks.
Fathom
Fathom is reporting and forecasting software used by accountants for client advisory work. Fathom Pro is $450 a month including 25 companies, plus $17 for each extra company, and includes three-way cash flow forecasting with scenarios and rolling forecasts. Fathom Portfolio is $67 a month for 100 companies but needs an upgrade to Pro for three-way cash flow.
It connects to Xero, QuickBooks Online and Desktop, FreeAgent and MYOB, and imports from Excel.
Float
Float is an Edinburgh-based cash flow forecasting tool. Its Small Business plan, for companies under £2 million revenue, is £99 a month or £79 billed annually, with 13-week and 12-month forecasts, 8 scenarios and unlimited users. Guided onboarding is an optional £99 one-off.
For larger companies, the Growth plan is £199 a month or £159 billed annually, with 36-month forecasts. Scale, for multi-entity groups, is £295 or £235. Float integrates with Xero and QuickBooks Online, and offers a 14-day free trial with no card needed. Its pages did not mention FreeAgent.
Xero’s built-in forecast
Every Xero UK plan includes a cash flow forecast, with the horizon set by plan: 30 days on Ignite (£18 a month), 60 on Grow (£39), 90 on Comprehensive (£55) and 180 on Ultimate (£70). New UK customers get 90% off for the first 6 months.
Xero’s cash flow page says you can add one-off amounts to test scenarios and share projections with your accountant. See Xero pricing for the full plans.
Which applies to you?
- If you need a short-term view of bills and invoices, start with the forecast in your accounting software.
- If you need weekly cash forecasts and scenarios, compare Float with Xero’s longer plan horizons.
- If you are building a business plan or funding case, look at three-way forecasting in Brixx or Fathom.
- If you are an accountant forecasting for many clients, price Fathom per company or ask Float about partner pricing.
What to do now
- Decide the horizon you need: weeks, months or years.
- Check the tool connects to your ledger, especially if you use FreeAgent or Sage.
- Trial it with real data for a month and compare it with your bank balance.
- Review the forecast weekly alongside working capital.
Frequently asked questions
How much does Float cost in the UK?
Float’s Small Business plan is £99 a month, or £79 a month billed annually, excluding VAT. Its Growth plan for companies over £2 million revenue is £199, or £159 billed annually.
Is Fluidly still available?
No. Fluidly stopped serving customers at the end of April 2023 after OakNorth integrated it, and its website now redirects to OakNorth.
Does Xero do cash flow forecasting?
Yes. Every Xero UK plan includes a forecast, from 30 days on Ignite to 180 days on Ultimate.
Does Float work with FreeAgent?
Float says it currently integrates with Xero and QuickBooks Online. Fathom lists FreeAgent among its integrations.
Do I need software to forecast cash flow?
No. A spreadsheet works for a simple business, but software saves time by syncing invoices, bills and bank data each day. See what cash flow is for the basics.
Sources
Rates, thresholds and rules in this guide were checked against HMRC and GOV.UK guidance on 6 November 2026. Tax rules change, so check the current position on GOV.UK or with a qualified adviser before acting. This guide is general information, not personal advice.