What are the Best Cashflow Forecasting Tools for UK Companies?

Many UK businesses still manage cash flow on messy spreadsheets. They realise too late that their forecasts were off. After all, one formula error or missed update can throw the entire plan into chaos.

That’s why more companies are turning to dedicated forecasting tools. These solutions replace spreadsheet guesswork with real-time visibility, making cash flow planning far less stressful and far more reliable.

In this blog, we’ll explore the best cash flow forecasting tools for UK companies, comparing their features, pros, and cons to help you choose the right solution for your needs.

What Features Should I Look for in Cashflow Forecasting Software?

With so many cashflow forecasting software available in the market, it is important to focus on the features that will have the biggest impact on your financial operations and improve cash flow. A good tool should simplify your cash flow planning, not complicate it. Here are some key features you need to watch out for:

1. Seamless Integration with Accounting Tools: The software should connect directly with systems like Xero, QuickBooks, or NetSuite so that your forecasts are always based on real-time financial data without manual updates.
2. Scenario Planning (“What-If” Analysis): The ability to model different situations, such as delayed payments, increased expenses, or revenue growth, helps you prepare for best- and worst-case outcomes.
3. Customisable Forecasting Horizons: Look for flexibility to view forecasts daily, weekly, or monthly, depending on whether you need short-term cash visibility or long-term planning.
4. Clear Visualisation and Reporting: Interactive dashboards and charts make it easy to understand trends, spot risks, and share financial insights with stakeholders.
5. Variance Analysis: Comparing forecasts against actual performance helps refine accuracy over time and improves financial decision-making.
6. Alerts and Notifications: Automated alerts for low balances or upcoming cash gaps ensure you can take action before liquidity issues arise.

What are the Best Cashflow Forecasting Tools for UK Companies?

To help you create an accurate cash flow forecast, we have compiled a list of the top tools available for UK companies. These platforms are designed to integrate with your existing financial systems and provide the insights you need to manage your money confidently:

1. Float

Float is built for businesses that want to move away from clunky spreadsheets and gain confidence in their cash position. Its biggest strength lies in turning complex financial data into easy-to-understand visual forecasts, making it especially valuable for business owners and finance teams that need clarity in their future cash flow.

Key Features

• Create Visual Forecasts: Float automatically syncs real-time financial data from your accounting software to generate clear, visual cash flow forecasts, removing the need for manual spreadsheets.
• Budget Modelling: Easily add scenarios and budgets to test “what-if” situations, like losing a customer or hiring new staff, and instantly see the impact on your cash flow.
• Integration with Accounting Software: Float integrates seamlessly with platforms like Xero, QuickBooks Online, and FreeAgent, ensuring forecasts are always based on up-to-date data.
• Early Warnings & Thresholds: Set cash threshold limits and track your projected “cash runway” to know exactly when you may run into liquidity challenges.

2. Futrli

Futrli by Sage is designed for businesses and accountants who need more than just static reports. It brings together accurate forecasting, reporting, and analytics in one place, giving users a 360-degree view of past, present, and future performance. Futrli is ideal for those teams that want to test cash management decisions with greater accuracy and see how changes ripple across the whole business.

Key Features

• 3-Way Forecasting: Forecasts across Profit & Loss, Balance Sheet, and cash flow to give a full picture of financial health over time.
• Budgets & Scenario Modelling: Easily build budgets and simulate “what-if” scenarios to see how changes (e.g., staffing, sales, cost changes) will impact cash flow and performance.
• Multi-Entity / Multi-Currency Consolidations: Merge data from multiple entities, handle different currencies, and report in consolidated form.
• Daily Cash Flow Forecasting: Offers cash flow forecasts on a daily basis for more granular visibility, especially helpful for spotting short-term liquidity issues.

3. Syft Analytics

Syft Analytics is a financial reporting, forecasting, and analytics platform designed to simplify how organisations understand and present their financial data. It seamlessly integrates with most accounting systems, so that finance teams can build forecasts and reports with a single source of truth for all finance data.

Key Features

• Consolidations & Multi-Entity Reporting: Combine financials from multiple entities into unified reports and dashboards.
• Customisable Dashboards: Create visual dashboards that display key financial metrics (e.g., cash flow, revenue, expenses) in a way that’s tailored to your team or stakeholders.
• Forecasting & Scenario Modelling: Build forecasts (including “what-if” different scenarios) to test the impact of changes and see different financial outcomes.
• Report Automation: Automatically generate reports from your accounting data, reducing time spent preparing regular financial statements and insights.

4. Spotlight Reporting

Spotlight Reporting is one of the best cash flow forecasting & financial planning tools designed, especially for accountants, advisors, and businesses of all sizes that need precise forward-looking insights regarding their financial position. The platform is an ideal choice for small businesses looking to visualise cash runway, test assumptions, and present forecasts to boards, investors, or clients.

Key Features

• 3-Way Forecasting (P&L, Balance Sheet & Cash Flow): You can build forecasts that tie together profitability, assets/liabilities, and cash flows, giving a holistic financial view.
• Scenario Builder & Budget Creator: Create budgets and test “what-if” scenarios so you can see how different decisions (sales changes, cost shifts, etc.) would impact cash flow.
• Consolidated Forecasting & Reporting: Manage forecasts and reporting across multiple entities, consolidate historical data, and deliver unified reports for groups or large enterprises.
• Integration with Xero & QuickBooks: The platform is built to work with major accounting tools like Xero, making it easier to import financial data without manual entry.

5. GTreasury

GTreasury is a powerful cash flow forecasting solution built for organisations that need a clear, enterprise-level view of their liquidity. It’s ideal for finance teams in larger companies that manage complex operations and require confidence in decision-making across multiple business units. However, the platform has one major limitation. Its scale and sophistication make it unsuitable for small businesses.

Key Features

• Real-Time Data Integration: GTreasury connects directly with ERP systems and banks to capture transactional data daily, ensuring up-to-date cash flow information.
• Automated Categorisation: Cash flow data captured from banks is automatically categorised and posted to the cash flow forecast model in real time, reducing manual data entry.
• Advanced Forecasting Models: The platform supports various forecasting models, including daily, 13-week, and rolling forecasts, to accommodate different business needs.
• Scenario Analysis: GTreasury enables scenario planning to assess the impact of potential business changes on cash flow, aiding in strategic decision-making

6. Pulse

Pulse is a web-based cash flow forecasting tool designed for small businesses, freelancers, and agencies. It offers an intuitive interface that helps users visualise their cash flow and plan for future expenses. However, its simplicity in cash flow projection may not meet the needs of larger organisations with complex financial structures.

Key Features

• Multiple Cash Flow Views: Monitor your cash forecasting on a yearly, monthly, weekly, or daily basis to gain insights into your financial health.
• Scenario Testing: Quickly toggle income and expenses on and off to see how different scenarios impact your bottom line, empowering smarter business decisions.
• Currency Conversion: If your business operates on multiple currencies, Pulse provides real-time exchange rates to manage cash flow across different currencies.
• Customer and Project Tracking: Run cash flow reports on customers and projects to assess their profitability and impact on your cash flow.

Accountancy Cloud: Turning Forecasts Into Growth Strategies

At Accountancy Cloud, we go beyond traditional accounting by combining bookkeeping, CFO services, tax support, and year-end accounts under one roof to give businesses a complete financial picture.

With over 10 years of startup-led expertise, we’ve helped companies in Tech, SaaS, E-commerce, Food & Drink, Consumer Goods, and Professional Services gain clarity and control over their finances.

By pairing the best forecasting tool for cashflow with our specialist guidance, we ensure your forecasts aren’t just accurate, they’re actionable strategies for smarter growth. Get in touch with us now to know more.

Next Steps: Choosing the Right Forecasting Tool and a Partner

Choosing the right cashflow forecasting tool can make a significant difference for UK companies looking to stay financially agile and resilient. With solutions ranging from user-friendly platforms like Float to more advanced options tailored for complex businesses, the best fit depends on your company’s size, goals, and accounting setup. By investing in the right tool, you’ll gain clearer visibility into your finances, make smarter decisions, and reduce the risk of cashflow surprises, ensuring your business is prepared for both challenges and opportunities ahead.

Frequently Asked Questions

1. Are there affordable or free cashflow forecasting tools suitable for UK startups?

Yes, many platforms offer affordable cash flow forecasting plans designed for startups and small businesses. Tools like Pulse and Float have entry-level pricing, and most providers offer free trials.

2. How do I choose the right cashflow forecasting tool for my business needs?

To choose the right tool for cash flow forecasting, consider your business size, budget, and integration needs. Evaluate features like scenario analysis and reporting. The best choice for your financial planning will provide the right balance of features and usability.

3. What challenges should UK companies consider when implementing cashflow forecasting software?

When implementing cash flow forecasting software, challenges can include ensuring data accuracy, achieving seamless integration with legacy financial operations, and training your team.

4. What types of businesses benefit most from cashflow forecasting software?

Cashflow forecasting software is especially valuable for small and medium-sized businesses, startups, and fast-growing companies that need to monitor liquidity closely. It also benefits seasonal businesses and project-based firms.

5. What are the key steps to create a cashflow forecast using software?

Import financial data (via integrations like Xero), categorise cash inflows and outflows, set forecasting horizons, run scenario analysis, and generate reports. Regularly review and update forecasts against actuals to refine accuracy.