Cash flow forecasting that shows you what's next
Wondering if there'll be enough in the bank next month? Predict your cash position, spot a tight week early, and plan your next move with confidence.
Know your cash flow, and know where your business is going
Three reasons Xero helps you plan ahead, using the numbers already in your account.
See where your business is heading
Turn your financial data into real-time cash flow forecasts, so you can decide faster and with more confidence.
Know your cash flow in real time
As transactions come in, your books stay current, so you act on what's really happening right now.
Make faster, smarter decisions
Clear, visual insights show exactly where the money's headed, so every call is backed by real numbers.
Xero is on average 30% cheaper than QuickBooks‡
Forecast your cash for the next month
Want to know what's landing next week? Xero's short-term projection shows the money moving in and out over the next 7 or 30 days, built from the approved invoices and bills already in your account. It updates as you go, giving you a live view instead of a snapshot that's out of date.
Explore Xero Analytics
See what's affecting your balance
Drill into your projection to see the invoices due in and the bills you need to pay. Add expected payment dates to overdue invoices to sharpen the numbers, then decide your spending with clear, data-backed confidence.
Plan for different scenarios
Sharpen your projection before you decide. Add expected and planned payment dates to overdue invoices and bills so they're included, then watch your projected balance update — no spreadsheet rebuilds, just clearer numbers you can act on.
Read the cash flow forecasting guide
Keep your forecast current automatically
When you're short on time, Xero keeps your forecast current for you. Connect your business bank accounts so transactions flow straight in, and reconcile regularly to keep every projection accurate. Less spreadsheet wrangling, more time on your business!
Get the cash flow forecast template
FAQs on Xero's cash flow forecasting software?
Cash flow forecasting software predicts the money moving in and out of your business over a set period. Xero shows your likely bank balance ahead of time, so you can plan around it with confidence.
Cash flow forecasting software predicts the money moving in and out of your business over a set period. Xero shows your likely bank balance ahead of time, so you can plan around it with confidence.
Xero builds a short-term projection from the approved invoices and bills already in your account to show your expected balance over the next 7 or 30 days. You can extend the view with Xero Analytics Plus.
Xero builds a short-term projection from the approved invoices and bills already in your account to show your expected balance over the next 7 or 30 days. You can extend the view with Xero Analytics Plus.
A spreadsheet needs manual formulas and constant updating, which takes time and invites errors. Xero pulls in your live data and turns it into clear visuals, so your forecast stays current without the manual work.
A spreadsheet needs manual formulas and constant updating, which takes time and invites errors. Xero pulls in your live data and turns it into clear visuals, so your forecast stays current without the manual work.
Forecasting shows you what's ahead, so you can time your spending, spot a tight week early, and plan your next move. It turns guesswork into decisions you can stand behind.
Forecasting shows you what's ahead, so you can time your spending, spot a tight week early, and plan your next move. It turns guesswork into decisions you can stand behind.
Xero's short-term cash flow projection covers the next 7 or 30 days. With Xero Analytics Plus, you can extend your forecast up to 90 days.
Xero's short-term cash flow projection covers the next 7 or 30 days. With Xero Analytics Plus, you can extend your forecast up to 90 days.
A few habits keep your projection sharp:
- Add expected and planned payment dates to overdue invoices and bills
- Connect your business bank accounts and reconcile regularly
- Keep your invoices and bills up to date in Xero
A few habits keep your projection sharp:
- Add expected and planned payment dates to overdue invoices and bills
- Connect your business bank accounts and reconcile regularly
- Keep your invoices and bills up to date in Xero
Pay your bills at no extra cost
Free standard ACH bill payments are now included in Xero business plans.*
Early
for the first 3 months
Then $27 per month
An easy financial foundation - track cash flow with the essentials.
- Send quotes and 20 invoices†
- Accept online invoice payments^
- 5 bills
- Reconcile bank transactions
- Smart Document Capture
- View real-time reports
- W-9 + 1099 management
- Sales tax
- Visualize performance with basic graphs
- 30 day cash flow forecast
- Make online bill payments (Domestic - Free ACH)
- Make online bill payments (Cross Border)
- Track income and expenses
- Free expert setup help
Growing
for the first 3 months
Then $59 per month
Go beyond the basics - automate tasks and access performance dashboards.
- Send invoices and quotes
- Accept online invoice payments^
- Automate bill entry and track bills
- Reconcile bank transactions
- Smart Document Capture
- View real-time reports
- W-9 + 1099 management
- Sales tax
- Visualize performance with graphs
- 60 day cash flow forecast
- Make online bill payments (Domestic - Free ACH)
- Make online bill payments (Cross Border)
- Customize performance dashboards
- Tailored financial health scorecards
- Budget with smart suggestions
- Auto-reconcile transactions
- Track income and expenses
- Free expert setup help
Forecast with clarity
Forecast with clarity
Established
for the first 3 months
Then $97 per month
Future proof your scaling business - with advanced tools and analytics.
- Send invoices and quotes
- Accept online invoice payments^
- Automate bill entry and track bills
- Reconcile bank transactions
- Smart Document Capture
- View real-time reports
- W-9 + 1099 management
- Sales tax
- Visualize performance with graphs
- 180 day cash flow forecast
- Make online bill payments (Domestic - Free ACH)
- Make online bill payments (Cross Border)
- Customize performance dashboards
- Tailored financial health scorecards
- Analyze KPIs and ratios
- Use multiple currencies
- Track time and costs for projects
- Employee expense and mileage claims
- Benchmark against the industry
- Make online bill payments (International)
- Budget with smart suggestions
- Auto-reconcile transactions
- Track income and expenses
- Free expert setup help
Explore useful features to run your business
Xero’s online accounting software is designed to make life easier for small businesses – anywhere, any time.
‡Based on published list prices for software subscription only. Excludes payroll and add-ons.