Xero Analytics Plus

Xero Analytics Plus is Xero's built-in analytics and short-term cash flow forecasting add-on, extending projections out to 90 days with AI-driven predictions, all without leaving Xero.

What it does well: it is right there in your ledger. The biggest advantage is that it is native, so there is no extra tool to learn or connect, and it forecasts recurring transactions from your history while letting you add one-off amounts to model scenarios. The 90-day window is a useful step up from the standard 30-day view.

Where it falls short: it is short-horizon and basic next to dedicated tools. Competitors offer 12-month forecasts and far richer scenario planning, the forecast leaves out important items like payroll, credit notes, transfers and batch payments, scenario flexibility is limited, and it requires the higher Established plan plus the add-on.

Best for: Xero users and small businesses that want simple, built-in short-term cash flow visibility without adding another app.

Verdict: a convenient, good-enough forecast for short-term cash visibility if you live in Xero and do not want a separate tool. For real planning, longer horizons or proper scenario work, pair it with a dedicated app like Float or Fathom rather than relying on it alone.