Xero's built-in cash flow tools only see what's inside Xero. TreasuryFlow connects to every bank account directly, adds AI forecasting, and delivers it all in Excel — working alongside Xero, not replacing it.
| Feature | TreasuryFlow | Xero Built-in |
|---|---|---|
| Bank Data Source | Plaid (any US bank, direct) | Only banks connected to Xero |
| Real-Time Bank Balances | Yes, via Plaid | Depends on Xero bank feed lag |
| Cash Flow Forecasting | AI-powered 13/26/52-week rolling | Basic short-term projection |
| Scenario Planning | What-if analysis | No |
| AI Transaction Categorization | Gemini AI (3-tier pipeline) | No AI — manual rules only |
| AI Treasury Assistant | Natural-language chat | No |
| Excel Native Add-in | Yes — live data in Excel | No — browser only |
| Google Sheets Add-on | Yes | No |
| Web Portal / Dashboard | Yes | Yes (inside Xero) |
| Multi-Entity Reporting | Reporting Groups (up to 20) | Requires Xero HQ add-on |
| Cash Health Score | 0-100 score, shareable | No |
| Daily Digest Email | 7am ET auto-briefing | No |
| Budget vs. Actuals | Variance analysis + alerts | Basic budget tracking |
| P&L Reporting | With period comparison | Yes (inside Xero) |
| AR Aging Reports | Customer payment patterns | Yes (inside Xero) |
| Vendor Analytics | Spending intelligence | No |
| Mobile Access | PWA — installable | Xero mobile app |
| Works With Xero | Yes — enhances Xero | Native |
| Pricing | Flat $399/mo, unlimited | Included with Xero |
| Free Trial | 14 days, no card | Included |
Xero only shows cash flow for accounts connected to Xero. TreasuryFlow connects to any US bank via Plaid, giving you a complete multi-bank cash position — including accounts you don't run through your accounting software.
Xero's short-term projection is a simple extrapolation. TreasuryFlow uses Gemini AI to build 13-52 week rolling forecasts that learn from your transaction patterns and improve over time.
What happens if you hire two more people? Lose your biggest client? TreasuryFlow's what-if analysis lets you model scenarios before they happen. Xero offers no scenario planning at all.
CFOs live in Excel. TreasuryFlow's native Add-in pulls live bank data and forecasts directly into your spreadsheets — no copy-pasting from a browser tab.
TreasuryFlow's AI auto-categorizes transactions with a 3-tier pipeline and lets you ask questions about your cash position in plain English. Xero's categorization is manual rules only.
TreasuryFlow doesn't replace your Xero workflow. It layers on top, adding the multi-bank visibility, AI intelligence, and Excel delivery that Xero's built-in tools don't provide.
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