Small business cashflow software

Run your cashflowwithout afinance team.

See your cash up to 12 months ahead, plan budgets and what-if scenarios, and get a P&L in the layout you want, all from one app. Built for solopreneurs and small teams in 29 European countries. Forecasts and budgets come with Pro.

Free Solo plan · no card needed
Same login powers your personal finances · Free for solopreneurs
Budget vs actual · April
On plan · 99.7%
€59,440/ €59,600
Payroll€41,800 / €42,000
Cloud / SaaS€7,340 / €6,200
Marketing€8,120 / €9,000
Office€2,180 / €2,400
To review

3 new card payments are waiting for a category. Review →

Forecast up to 12 months ahead

Cashflow projections built from your real transactions and recurring items, with a likely, low and high range. Add planned events and budget scenarios to see a hire, a slow quarter or a late payment before it happens.

AI keeps your books tidy

AI categorisation sorts every transaction as it lands and learns from your corrections. Anything you still need to check waits in one list.

Multi-currency, no mental math

Hold accounts in multiple currencies. Totals convert to your reporting currency using European Central Bank rates, which cover about 30 currencies.

Features

Cashflow forecasting for small business, without the enterprise price tag.

Most small businesses can’t justify a dedicated forecasting tool, so cashflow ends up in a spreadsheet nobody trusts. StashBeat connects to your business banks, categorises every transaction and projects your cash up to 12 months ahead. Start free on Solo; the forecast comes with Pro at $14 a month.

$0
Solo plan, free forever
4
Team roles
50%
Off your personal plan when both are paid (b2both)
All plans

Bank sync and AI categories, for your business

Bank connections in 29 European countries, with AI categorisation, multi-currency and manual accounts. One login switches between your personal and business finances.

PRO+
Pro · Forecast

12-month cashflow forecast

Projections built from your real income, recurring costs and planned events, with a likely, low and high range. Refreshes when new transactions arrive.

PRO+
Pro · Planning

Budget scenarios

Build budget scenarios for a hire, a price change or a slow quarter, and compare them before you commit.

PRO+
Pro · Budgets

Budget vs actual

See each category’s actual spend next to its budget, month by month.

All plans · Reports

P&L in your own layout

Profit and loss built from your chart of accounts, with custom report layouts, formulas and up to 3 tracking categories.

PRO+
Pro · Team

Team roles and seats

Invite your team as admins, members or viewers. Pro includes 3 users, Business 5 and Scale 10. On Scale you can buy extra seats in advance.

On the roadmap, coming soon

In development · not available yet
Coming soon
Cashflow dashboard
One home screen for cash in, cash out and runway across every business account.
Coming soon
Anomaly feed
AI flags duplicate charges, price hikes and unusual cash movements for you to review.
Coming soon
Accounts payable
Track supplier bills and when they are due.
Coming soon
Profitability report
Margins and profit drivers across your business.
Coming soon
Cash report
Cash inflows, outflows and balances over time.
Coming soon
Accounts report
Chart-of-accounts balances and movements.

One app for personal and business

Most small business owners check their personal finances in one app and their business in another. StashBeat covers both under one login. When both your personal and your business plan are paid plans, the b2both bundle takes 50% off your personal plan, automatically.

Connected banks

All your bank accounts in one place.

Connect your business accounts in 29 European countries, and track everything in one workspace.

2,000+
Banks supported in Europe
29
Countries with open banking access
ECB
Exchange rates, updated daily
Europe-wide coverage
Connect every business account in 29 European countries, via PSD2 open banking.
Auto-sync
Transactions update automatically in the background, no manual imports.
Bank-grade security
PSD2 open banking with read-only access. Data is encrypted in transit and at rest.
Instant categorisation
AI-powered categorisation the moment a transaction lands.
Multi-currency
Track accounts in about 30 currencies with daily ECB exchange rates.
Team access
Owner, admin, member and viewer roles for every business.
Reconciliation queue
Unreconciled transactions are counted in the sidebar and wait in one filtered list.
All banks welcome
From high-street banks to neobanks like Revolut, Wise, N26, and Bunq.

Supported banks

Live · Syncing now
Deutsche Bank
Germany
BNP Paribas
France
Santander
Spain
ING
Netherlands
HSBC
Europe
Commerzbank
Germany
Erste Bank
Austria
Raiffeisen
Croatia
OTP Bank
Hungary
UniCredit
Italy
KBC
Belgium
Nordea
Sweden
Revolut
Europe
N26
Germany
Wise
Europe
Bunq
Netherlands
CaixaBank
Spain
ABN AMRO
Netherlands
mBank
Poland
Swedbank
Estonia
and 2,000+ moreHover to pause
Support & FAQ

Still have questions?

Can’t find the answer you’re looking for? Send us a message about connecting your bank, a report or your first budget scenario.

Is StashBeat really free for solopreneurs?

Yes. The Solo plan is free forever for one user, with up to two business accounts (linked or manual), AI categorisation and the P&L report. No card required. When you outgrow Solo, Pro is $14/month and adds the 12-month cashflow forecast, budget scenarios, budget vs actual and up to 3 users.

Does StashBeat send invoices or run payroll?

No. StashBeat focuses on cashflow: bank sync, categorisation, budgets, forecasts and reports. Invoicing, payroll and bill payments stay in the tools you already use.

Is StashBeat a cashflow tool or a full accounting package?

Cashflow software, deliberately. StashBeat focuses on what owners need to see clearly — what's coming in, what's going out, what's left, what to expect. For statutory double-entry bookkeeping and payroll, you still want QuickBooks, Xero, or Sage. StashBeat is what lives alongside them, giving you the forward-looking view your accounting tool doesn't.

Which banks and countries are supported?

Open banking access in 29 European countries, via Enable Banking (PSD2). During setup you can search by bank name or country to check that yours is available.

How does automatic transaction sync work?

Once you connect a business account, StashBeat fetches new transactions automatically in the background and categorises them with AI. Transactions you haven’t reconciled yet wait in one filtered list.

Is my business data secure?

Yes. PSD2 open banking with read-only access, so StashBeat can never move money. We never store your bank credentials and never sell your data. Data is encrypted in transit and at rest, and every team member signs in with their own account.

What currencies does StashBeat support?

Multi-currency accounts are included on every plan. Each account stays in its own currency, and totals convert to your reporting currency using European Central Bank rates.

Can multiple people from my team use it?

Yes. On Pro and above, invite teammates as admins, members or viewers. Pro includes 3 users, Business 5 and Scale 10. On Scale you can buy extra seats in advance.

Is it really one app for personal and business?

Yes. One login covers your personal finances and up to 5 businesses, and you switch between them in one click. When both your personal and your business plan are paid plans, the b2both bundle takes 50% off your personal plan.