On September 17, 2026, Money Forward, Inc. launched its new Cash Flow Forecast (Beta) feature for Money Forward Cloud Accounting and Money Forward Cloud Tax Return to visualize future cash movements. By automatically synchronizing and analyzing bank balance and invoice data, the tool addresses the structural burden of cash management and helps small and medium-sized enterprises mitigate financial risks.

Key Highlights of the New Feature Launched in September 2026

On September 17, 2026, Money Forward, Inc. officially introduced the Cash Flow Forecast (Beta) feature across its corporate cloud accounting platform, Money Forward Cloud Accounting, and its sole proprietorship platform, Money Forward Cloud Tax Return. This capability automatically maps and visualizes projected bank account balances and cash inflows and outflows by combining real-time bank deposit data with daily operational transactions.

Under this system, business owners and accounting professionals can automatically capture upcoming payments and receivables simply by performing routine back-office tasks, such as issuing invoices, managing collections, and processing payments. Intuitive charts and automated alerts allow management to instantly assess cash positions, relieving financial uncertainty. Furthermore, Money Forward has already completed patent applications for this proprietary technology, cementing its position as a key FinTech innovation in corporate cash management.

Automatic Mapping of Projected Bank Balances and Scheduled Cash Movements

At the heart of the Cash Flow Forecast (Beta) feature is a seamless pipeline of data integration and automated updates. The engine directly ingests due dates from issued invoices created in Money Forward Cloud Invoice and received bills stored in Money Forward Cloud Box to generate future cash flow projections automatically.

These generated cash movements populate the cash flow dashboard in real time, eliminating manual data compilation while keeping financial outlooks up to date. For recurring transactions that do not generate invoices—such as rent payments, payroll, and corporate taxes—users can easily add scheduled entries manually or via bulk CSV upload. This ensures that the system generates highly accurate, realistic cash projections tailored to the company’s specific operational realities.

By pulling up-to-date deposit balances directly from connected bank accounts and combining them with scheduled inflows and outflows, the system generates visual forecast graphs looking up to three months ahead. This completely eliminates the tedious process of logging into multiple online banking portals to check balances and manually transferring figures to spreadsheets.

Background and Cash Management Challenges Facing SMEs

Structural Burden of Siloed Data and Manual Accounting Processes

In SME management, understanding future cash trajectories is just as critical for strategic decision-making as organizing past accounting records. However, traditional cash management practices have long suffered from fragmented data, with invoices, payment records, and multiple bank accounts residing in disconnected systems.

To produce monthly cash flow statements, accounting staff previously had to log into each financial institution’s online portal individually, verify balances and transaction details, and manually reconcile these figures in spreadsheets. This manual, analog workflow consumed significant time and labor each month, creating a major bottleneck to operational efficiency. Consequently, busy management teams often deferred cash flow tracking altogether.

Mitigating Cash Shortages and Collection Failure Risks

Deferring cash flow tracking due to manual inefficiencies does more than hurt operational productivity—it creates severe operational risks. Delayed cash visibility increases the danger of overlooked unpaid accounts, overdue receivables, and late detection of impending cash shortages.

To proactively mitigate these hazards, the Cash Flow Forecast (Beta) feature incorporates automated risk alerting mechanisms. The system triggers warnings whenever projected bank balances fall below a user-defined threshold, or when overdue receivables and unpaid bills remain unresolved in the system.

These alerts enable business owners and finance teams to detect anomalies early and implement corrective measures—such as securing short-term financing or adjusting payment schedules—well before a crisis occurs. Combining automated future projections with real-time alerting equips SMEs with a resilient financial foundation.

Key Features and Future Outlook

Enhancing Forecast Accuracy and Alert Capabilities

Money Forward plans to evolve the Cash Flow Forecast (Beta) feature continuously based on direct feedback from early enterprise adopters. Released initially as a beta version, the feature will undergo iterative enhancements tailored to real-world operational needs.

Beyond the core three-month balance projections and threshold alerts, Money Forward is currently refining advanced detection capabilities to flag payment delays and uncollected invoices even earlier. Planned interface upgrades also include visual breakdown screens that analyze cash flow drivers, giving managers immediate insight into the root causes of cash fluctuations.

The ultimate objective is to provide executive teams with faster, more precise future cash flow intelligence while keeping manual data entry to an absolute minimum.

Synergy with the Broader Suite and Generative AI Integration

Looking forward, Money Forward intends to deepen integration between the Cash Flow Forecast (Beta) feature and its broader Money Forward Cloud ecosystem. Seamless data exchange with payroll, accounts payable, and expense management modules will enable automatic ingestion of an even broader range of cash flow commitments.

Additionally, the company is leveraging generative AI technology to push forecast precision further. By learning from historical transaction patterns, seasonal fluctuations, and vendor payment habits, AI engines will generate highly refined cash flow forecasts without requiring manual adjustments.

Money Forward also actively contributes to the broader financial technology ecosystem through initiatives with the Electronic Payment Service Providers Association, advocating for technical improvements in financial institution APIs. Through the fusion of open APIs, SaaS, and cutting-edge technology, Money Forward continues to empower SMEs with autonomous back-office operations and accelerated managerial decision-making.

Reference Pages

• [Money Forward Press Release] https://corp.moneyforward.com/news/release/service/20260917-mf-press-2/

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