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The best cash flow apps for Xero in the UK (2026).

You'll notice this isn't a list of ten. That's deliberate. Most of the apps padding out the ten-tool listicles are built for accounting practices, and you'd find that out three hours into a free trial. I'd rather save you the three hours.

Which cash flow app for Xero suits a UK small business?

The short version, in one table. Prices are each vendor's own published figures, in pounds where the vendor shows pounds; where a vendor only shows US dollars, so do we. Every row is a starting price; check the vendor's page before you buy, because tiers move.

Prices last checked 23 October 2026.

Who do Xero’s reporting and forecasting apps say they are for?

We counted. Of the 121 apps in the Xero App Store "Reporting and forecasting" category, 41 name accountants or bookkeepers as their audience on their own homepage, and 24 name finance teams or CFOs. Only 3 name small businesses, and none of those three is a cash-flow tool. This category was built to be sold to practices. No scandal there, it is just who pays. But it explains why every listicle quietly assumes someone with a finance background will set the tool up and keep it current. Most owner-directors I have worked with over 25 years do not have that someone. The shortlist below is the subset you can actually run yourself.

Xero Analytics, because you already pay for it

Included with Xero. Before you buy anything, turn on what you have. Xero Analytics, which began as Analytics powered by Syft, sits inside the Xero screens you already log into, and each of the four UK plans on Xero’s pricing page includes a cash flow forecast: 30 days on Ignite, 60 on Grow, 90 on Comprehensive and 180 on Ultimate. You can add expected payment dates to overdue invoices and model one-off amounts, such as a late client payment.

The honest limit: it is a place you go to look. If you are the sort of owner who logs in and looks every week, that may be all you need. If you are not, the forecast is there and nobody reads it. Own Your Numbers vs Xero Analytics and how to get a cash flow forecast out of Xero are their own pages.

Right for you if you want a free first look at projected cash and you will open Xero to see it.

Float

4.83 average, 345 reviews. The strongest candidate if you want to see forward. Forecasting dominates its reviews (102 of 345) and scenario planning appears in 75, far more than any other tool here, and owner-directors review it in their own voice: "I am not an accountant or even a bookkeeper however I can manage this very easily." The relief is real too: "My only regret is I didn't start using Float years ago. No more worrying about cashflow. My runway is crystal clear now."

One thing to be honest about: a forecast is a thing you own. Stop updating payment dates and it quietly stops being true, and a forecast you no longer believe is worse than no forecast. The reviewers who love Float treat it as a weekly habit. Worth knowing too: its review flow has slowed (16 of 345 since January 2025), and the bug and VAT complaints in its reviews are a decade old.

Price: Small Business plan, for companies under £2m revenue, £99 a month or £79 a month billed annually; Growth £199 a month or £159 billed annually; all ex VAT, 14-day trial with no card (floatapp.com, checked 23 October 2026).

Right for you if you will spend twenty minutes a week keeping a forecast honest, and you want to test decisions before making them. Own Your Numbers vs Float is its own page.

Cash Flow Frog

4.82 average - but from 39 reviews. That is a small pool, and I would not bet my Monday on 39 reviews without reading the negatives first. So I did. Its listing promises the lightest possible start: connect Xero and a rolling 36-month forecast builds itself, sliceable by tracking categories. The caveats are about the vendor rather than the forecasting: slow support ("takes sometimes days to respond") and one review complaining that automated prediction overrode payment dates set in Xero. And despite the one-minute promise, a satisfied reviewer still says it "takes some effort to get it up to speed".

Price: US$69 a month on monthly billing for the Pro plan (businesses up to US$1m annual revenue), lower on yearly plans. The pricing page shows US dollars only and says nothing about VAT, so check what a UK invoice looks like before you commit (cashflowfrog.com, checked 23 October 2026).

Right for you if you want a rolling forecast with less setup than Float and can live with a smaller vendor.

Fathom

4.95 average, 617 reviews as I check this (27 August), the most reviewed and most actively reviewed app in the category, with support its strongest theme (223 mentions in our corpus, the highest anywhere on this page). Forecasting that updates automatically from Xero actuals, consolidation and KPIs are what buyers praise. The honest caveat for an owner going it alone: "Demo reports are not setup fully and require a fair amount of time... they oversell how easy it is."

Price: from £43 a month for one company, ex VAT, pay as you go with no contract; the price rises with the number of companies (fathomhq.com with GBP selected, checked 23 October 2026).

Right for you if your accountant or a finance-literate person will own it, and you want reporting and forecasting in one place. Own Your Numbers vs Fathom is its own page.

Syft, for one specific reason

4.81 average, 476 reviews. A practice reporting tool at heart (59 per cent of its reviews mention reporting, 30 per cent mention clients), but it earns a place here because it can push scheduled reports: "Emails scheduled weekly reports to me without me logging in to Xero." If a weekly receivables report in your inbox is enough rhythm, that is a real option. Read the recent negatives first: performance complaints on consolidation and a trial limited to basic functions. The full Syft vs Fathom vs Float comparison is its own page.

Price: a free Basic plan, then Standard £18, Plus £35 and Advanced £69 a month; the page does not say whether VAT is included (syftanalytics.com with GBP selected, checked 23 October 2026).

Also worth knowing: Chaser

4.98 average, 374 reviews. Not a forecasting tool at all, and included because for a lot of UK small businesses the weekly cash problem is not modelling, it is that customers pay late. Chaser automates receivables chasing from your own email address; its listing claims invoices paid 54+ days sooner, which is the vendor's marketing figure, not ours. One caution: the most recent Chaser review in our corpus is from December 2023, so the recent evidence is thin.

Price: from £199 a month for the Compact plan, or £179 a month billed yearly; the page does not say whether VAT is included (chaserhq.com, checked 23 October 2026).

Right for you if your ageing debtors report is the real story and you would rather fix the cause than forecast the effect.

Own Your Numbers

Three reviews. That is what we have got, all five stars - thank you, you know who you are. Fathom has 617. I am not going to pretend that is not a gap. It just means the evidence for ours is me, the product, and a fortnight of your Mondays, and I would rather you judged it that way. (What review counts can and cannot tell you is the subject of our Xero App Store Report.)

What it does: connect Xero once, read-only, and every Monday a one-minute briefing shows your cash, net cash and cushion in months, a risk rating from low to critical, the debtors to chase, the bills coming up and five things to do this week, by email or WhatsApp. It cannot write anything back to Xero, and your data is read on demand, discarded after the briefing, and never used to train any AI model.

Why we think the weekly slot is genuinely empty: across all 1,427 Syft, Fathom and Float reviews, 4 mention debtors or chasing, 1 mentions runway or months of cash, and 14 mention anything weekly. Those products are excellent at what their buyers actually praise: reports, forecasts, consolidations. Almost nobody is buying them to answer "is my cash safe this week".

Right for you if nobody in your business will maintain a forecast and you want a weekly verdict with a short list of actions. Not right for you if you need forward forecasting, scenarios, consolidation, board packs or statutory accounts, or you are outside the UK or not on Xero; buy Float, Fathom or Syft instead.

What do these tools cost?

The table at the top has every price, each taken from the vendor's own pricing page on 23 October 2026 and stated the way the vendor states it: pounds where they show pounds, ex VAT where they say ex VAT. A comparison quoting a stale price is worse than none, so treat the date as part of the price and check the vendor's page before you buy. Chaser is not in the table because it does a different job.

Our own, so this page holds us to our own standard: Own Your Numbers is £79 a month for up to 3 Xero organisations, or £199 a month for up to 10, excluding VAT, with a 14-day free trial and no card to start. If a briefing never tells you something you did not already know, leave.

Deliberately left out, and why

• Agicap: 2 Xero App Store reviews, 3.5 average, and an August 2026 review quoting Agicap support saying Xero is not a direct integration but an Excel import. Verify that with Agicap before considering it for a Xero workflow.
• Futrli: 4.74 across 140 reviews, but nothing more recent than November 2023 in our corpus, so no current evidence. There is a reason: Sage acquired Futrli in May 2022 (announced on Sage's own investor pages), and independent momentum faded from there.
• Calxa: 4.98 across 142, actively reviewed, genuinely automates reports into your inbox, but its listing leads with tracking-category budgets, not-for-profit reporting and accounting firms: the practice side of the line.
• Spotlight Reporting (4.86, 340), joiin (4.92, 469), Mayday (4.98, 308) and most of the rest: good tools, sold to practices. If you have an accountant, ask what they use. If you do not, these are not where to start.

The best weekly cash tools for Xero: which one fits your Monday?

Most of the apps above are built to be opened. If what you actually want is a cash answer every week without anyone maintaining anything, the list gets shorter. Here is the honest summary.

So, in one breath: if you will do the work, buy a forecast. If your accountant will do the work, Fathom. If late payment is the problem, Chaser. If nobody will do the work - and after 25 years of Mondays I can tell you that is most businesses - that is the case for ours. The only way to test it is on your own numbers. Sure give it a go.