--- title: "Cashflow Manager Reviews 2026. Verified Reviews, Pros & Cons | Capterra" description: "Is Cashflow Manager the right Accounting solution for you? Explore 49 verified user reviews from people in industries like yours to make a confident choice." source_url: "https://www.capterra.com/p/111640/Cashflow-Manager/reviews/" page_type: "reviews" language: "en" publication_date: "2026-11-06" --- Cashflow Manager 2.8 (49) [View alternatives](https://www.capterra.com/p/111640/Cashflow-Manager/alternatives/) Provider data verified by our Software Research team, and reviews moderated by our Reviews Verification team. [Learn more](https://www.capterra.com/our-story/) * * * Last updated November 6th, 2026 # Reviews of Cashflow Manager Ease of use 3.1 Customer Service 2.2 ## Pros and Cons in Reviews BA Brian A CEO ManagerFood & Beverages, 2 - 10 employeesUsed the software for: More than 2 years. “With cashflow manager, the customer service was excellent from \[SENSITIVE CONTENT HIDDEN\], tremendous quality of patience and politeness and perseverance, and went beyond the call.“ April 14, 2021 GA Gabriel A staff accountantAccounting, 2 - 10 employeesUsed the software for: 6-12 months. “The only downside to this software is only its pricing, but if you want quality the app is right for you“ October 24, 2023 DF Dennis F accountantAccounting, 2 - 10 employeesUsed the software for: More than 2 years. “Ease of use for Small and Micro Business's, easy to start up with little Accounting /computer“ June 15, 2021 JN Jason N AccountsRetail, 2 - 10 employeesUsed the software for: 1-2 years. “DO NOT BUY THIS UNDER ANY CIRCUMSTANCES, IT WILL END UP COSTING YOU MORE THAN SOME OF THE BEST FINANCIAL PROGRAMS.“ August 3, 2021 ## Showing most helpful reviews Showing 1-25 of 49 available reviews Sort by: Most Helpful Rating Company Size Reviewer's Role Length of Use Frequency of Use Director Used the software for: 3-5 years ### "Don't buy product. Save your mental health." October 9, 2026 1.0 In 2011 this product was around $150-$200 purchased out right. They changed to subscription and made the old software that you owned not work charging the customer $27 per month for the same product. Pros Customer support showing little empathy over the time spent on trying to fix a problem they had created. Cons 1st October 2026. The program won't open to send customers receipts. Emailed support being out of business hours. Emailed customers saying the receipt will be a few days while fixing program issue. Spent 2 hours re-downloading, repairing and activating codes but still saying licence has expired when still current. When and played tennis to burn off the anger this has caused. Call support following day and simp Review Source Lidar Annotator Used the software for: 1-3 years ### "Honest Review" July 3, 2024 5.0 Pros Less hustle to use easy to login and very safe and reliable to use i recommend cashflow manager a lot i love using this website Review Source Director Used the software for: 3-5 years ### "Cashflow ease" November 16, 2023 5.0 Easy to use and saved money on accounting fees Pros The cost to implement was a lot cheaper than competitors Cons Subscription fees considering I purchased the whole program years ago Switched from [MYOB](https://www.capterra.com/p/183867/MYOB-Business/) Costs compared to cashflow was definitely a difference Review Source Owner - Online Business Developer Used the software for: Less than 1 year ### "Simple straightforward software for small business" February 8, 2018 4.0 Cheap to get started in my business. Tracked the basics. Pros If you want the simplest basic accounting software available to run your sole trader business then this could be it. It is a "to the point" software for simple business structures. Cons Does not have all the bells and whistles of the more expensive boys on the block. Could benefit from a facelift. Review Source greenkeeper Used the software for: 3-5 years ### "impossible to get a refund" October 9, 2023 1.0 terrible Pros it was Australian company and i thought it would be good to support a Australian company, sorry i was so wrong with this. Cons trying to get a refund after many times trying while never using the updated subscription, never got a notification email to say i was going to be billed either Alternatives considered [Xero](https://www.capterra.com/p/120109/Xero/) Reasons for choosing Cashflow Manager it was Australian company and wanted to support them, never again if this is how they treat you. Review Source Accounts Used the software for: 1-3 years ### "Do not "PURCHASE (SO CALLED! PURCHASE) CASH FLOW MANAGER, " August 4, 2021 1.0 No benefits at all. What is the benefit of the program you Purchased! If you don't own it. Pros NOTHING, IF YOU DON'T OWN YOUR DATA. When you 'purchased' something you should own it. Cons 1\. Too long to get support 2. I would urge everyone NOT to buy this program. 3. I have paid $465.00 per year for the past two years, that is $930.00. I have just received a renewal notification for another $465.00. WHAT !!!!!!! I rang C.F.M. to advise them that our business has now closed down due to COVID-19 and that I don't want to renew for 12 more months BUT I do need access TO MY DATA, to be able to complete all Financials etc. TO MY SHOCK I was informed if I didn't renew another $465.00 that they would give me TWO DAYS GRACE after the due renewal. 4. DO NOT BUY THIS UNDER ANY CIRCUMSTANCES, IT WILL END UP COSTING YOU MORE THAN SOME OF THE BEST FINANCIAL PROGRAMS. IT IS A JOKE. PLEASE DO YOUR RESEARCH. (I CARRIED ON CASH FLOW MANAGER FROM PREVIOUS OWNER) BIG MISTAKE ????????? 5. WHAT THESE PEOPLE ARE DOING SHOULD BE ILLEGAL. THEY ARE HOLDING YOUR FINANICAL INFORMATION TO RANSOME. Reasons for choosing Cashflow Manager Cash flow Manager was purchased (I use this phrase lightly - PURCHASED) from previous \[SENSITIVE CONTENT\]. I purchased two years of use. Review Source Owner Director Used the software for: 3-5 years ### "Extortion" May 28, 2021 2.0 Pros This program was great for our small business when we purchased it outright some 20 years ago. It managed our day to day business just fine and they would add new features from year to year to keep up with our needs. We were happy to pay the yearly support fee in case we had any problems or questions, though rarely used it over the 20 years. Cons When a Microsoft update caused problems back in 2018 the owners of this company, and I use the word company very loosely, simply lost the plot when it comes to what their customers were after. Simple things such as emailing an invoice through to a customer became a major project each day with the company quick to blame Microsoft and extremely reluctant to help out. After it was clear that there was no help in sight we switched over to Quickbooks cloud based system. After seeing the new features we were entitle to we should have done it sooner. Our punishment for leaving Cashflow Manager was for them to lock us out of some of the features of our existing program that we had paid for outright some 20 years earlier. What a disgrace! Review Source Manager Used the software for: 3-5 years ### "Poor Effort ,overcharging and taken over File ownership" October 14, 2020 1.0 Been brilliant until this major change Pros Used to be brilliant BUT now have taken over files and expect me to pay to use same and placing restriction s on Accounts Cons Now charge me for using OWN Files where I have owned them since choosing Cash Flow in 1990 Reasons for choosing Cashflow Manager Simple,effective and value for money Review Source Response from Reckon October 16, 2020 Hi Robert, Thank you for your feedback. I am sorry to hear you are not happy with the changes we have made to the pricing structure of our product. Cashflow Manager has moved to a Software as a Service provider to ensure that we are able to provide our customers with a great service that helps them meet ATO requirements. The pricing structure we have moved to is on a per business/ ABN basis which meets with ATO requirements for reporting at an individual business level. Files in Cashflow Manager refer to an individual business/ ABN each of which now requires its own subscription. This change was communicated to all subscribers in March 2020 & rolled out on 14th April 2020. We are working hard to develop features that continue to make our software a simple, easy to use & value for money option for small & micro businesses, to give them back the time they need to spend on their business. Your feedback and custom is important to us, so thank you for sharing. Regards Cashflow Manager Treasurer Used the software for: 3-5 years ### "Mediocre Software, Shady Subscriptions" March 3, 2020 1.0 Our church purchased the desktop version of Cashflow Manager and used that for ~8 years. We persisted in the face of bugs and data corruption. Recently we were convinced to purchase a 12 month subscription, on the understanding that we could cancel or go to month-to-month at the end. However, during that 12 month period they changed their terms and conditions to allow them to auto-renew for another 12 months without consulting us. I cancelled immediately upon learning of this, but they had also added a 30-day cancellation period and refused to refund the charge. In summary then, mediocre software backed by shady business practices. Avoid this company and their software. You'd be better off setting your money on fire, because at least then you'd save on heating bills. Pros The software was relatively simple to install, using standard install technologies. Cons We experienced frequent crashes and occasional data corruption (requiring us to send my data files in to customer service for correction). The overall UI is woeful, and simple things take a long time. The software lacks the basic automation features you would expect in a modern accounting package (e.g. bank feeds, though I understand they may have a basic version of this in their cloud product). Oh, and when you decide to move to another provider, forget being able to export any data. I found it easier to reconstruct data in our new platform from bank feeds and automation than it was to try and manually copy stuff out of Cashflow. Review Source Post Officer Used the software for: 3-5 years ### "Worked well for a number of years but earlier versions are not supported without additional cost." June 19, 2018 3.0 Pros For a simple business, Cashflow Manager Gold was our vehicle of choice and worked well for us as our business progressed. It was not a sophisticated program by any measure when compared to other available offerings but it was certainly the most reasonably priced initially. We did move over to a competitors program in time as our needs became more complex. Cons Perhaps, with cost being a factor in our initial decision to go with Cashflow Manager, it was remiss of us not to further investigate the disparity as it would certainly appear to be one of those 'you get what you pay for' decisions. We note the use of the word 'extortionists' used elsewhere in these reviews to describe the actions of Cashflow Manager in dealing with some of their clients and our experience has decidedly left us with no doubt that such a description is justified. We were quite happy with their limited program for what remaining files we were using with an earlier version, at least until the release of the latest Microsoft Update eventually locked us out by default as we became 'no longer supported' unless we paid to update to a newer version at considerable cost, hence the 'extortionist' tag. All this on the 18th June, which for many would be a considerable imposition being unable to access any of the files in their existing version unless a fee is paid to upgrade to a newer version. Not for us with our side-by-side MYOB program as it is really little more than an inconvenience. Our sympathy does go out to those who did not have the foresight to changeover prior to this time as we suspect there would be many small operators held to ransom by these people who, after all, just have to make their program compatible with the Microsoft Updates as they occur. Be advised, it's all OK but if you're in for the long run it would be better to look elsewhere. Review Source director Used the software for: 3-5 years ### "unethical" June 7, 2021 1.0 it's ransom ware you are held ransom to get your files they can cripple your business Pros it was ok not particularly for a trades based company Cons they changed to a subscription based platform and only now I realise that if I don't keep the subscription going they can deny me access to all my business records dating back to 2005 Review Source Owner Used the software for: 3-5 years ### "Beware of this product's licensing!" July 28, 2020 3.0 I have always used Cashflow Manager to manage the accounts for my 2 businesses. I bought a license that expires in October 2020. While trying to finalise my financial year end, I was notified by the latest version of the software that I can only manage 1 business unless I take out an additional subscription. I contacted customer support and was told the company has decided to change the licensing and "take it or leave it". I have never heard of a business that changes a customer's license midway through the activation period. This should be done when to renew your subscription. Please be aware of this before you subscribe to this product. Pros Fit for purpose product that is easy to use. Cons Changes licensing conditions during activation period. Switched from [Cashflow Manager](https://www.capterra.com/p/111640/Cashflow-Manager/) Please see my comments above. Review Source MS Melanie S. Administrator/Owner Used the software for: 3-5 years ### "PROMPT and VERY HELPFUL Customer Service" August 25, 2021 4.0 I am still learning how to optimise my Gold subscription. I have very basic needs to ensure my BAS and PAYG are completed each quarter and find it works perfectly for that. I now need to educate myself on invoicing, keeping track of client payments and how to make the process easier. That is on me as the user, as I am sure the program does all of that. Pros I just want to give a HUGE shout out to \[SENSITIVE CONTENT\] who (very patiently) navigated this IT gumby through the installation and migration process. Cons There were steps involved in the installation that I wasn't aware of, like I didn't know that I needed to unpin Cashflow from the task bar - but that may have just been user ignorance for not reading the instructions. Review Source Administrator Used the software for: 3-5 years ### "Buyer beware - these people are extortionists." March 26, 2018 1.0 It was functional accounting software without too many complicated extras Pros It was fairly easy to use, but very clunky. Reports were as good as any other software we used and format was ok. Cons We purchased the premium version for several hundred dollars five years ago. A month ago, we started receiving a message that our "trial version" was about to expire and that we should start paying a subscription. We had no need for their "updated" features so did not upgrade. Now, they are holding our data for ransom since we cannot access the files if we do not upgrade. Review Source owner Used the software for: 3-5 years ### "Hopeless" August 2, 2019 1.0 Have been phoning & emailing constantly over the last 3 weeks, no response, no returned phone calls. Program not working, won't calculate annual leave. Can't send pay slips as hours not calculated correctly. Absolutely useless!! Pros Program was fine over the last couple of years. Cons Absolutely no support, won't reply to emails, won't answer the phone. Review Source director Used the software for: 3-5 years ### "perpetual rip off" April 7, 2021 1.0 Run like hell, they do not deserve to survive as a business and should be in front of the ACCC Pros simple basic entry and initially one version used for multiple different accounting needs Cons hijacked your data, my fully paid and licenced v9 stopped working in 2021 with no choice but buying new subscription Reasons for choosing Cashflow Manager simplicity of interface, good enough but did not know about their rotten malpractise Review Source Owner Used the software for: Less than 1 year ### "Very unfriendly customer service. Not helpful" April 3, 2019 1.0 Very Poor,Unhelpful Pros Very little not useful, poor customer service Cons Not a very good accounting system. Change to Reckon Review Source Director Used the software for: 3-5 years ### "Visry Dissatisfied user" October 14, 2019 1.0 Customer service was very poor and useless. Never responded to any emails. When phoneing to try and getr any answers, put on hold for over 40 minutes and then eventually put through to a foreign country call center. When asking for the information I was given to be provided in an email, it never came. Pros Nothing. It is old technology that does not compete with the best software available. Always one step behind its competitors. Support is useless. Cons Beware of this company. When we moved across to a far better and more modern suer friendly and compliant software company, we did not realise that Cashflow Manager would want us to continue to pay an indeifinte ongoing fee to access our old data. How dishonest and decieptful. We have changed software providers several times over the last 10 years to suit our needs and all other software companyies allow a read only access to your old data. Not Cashflow manager. what a bunch of crooks. Review Source Director Director Used the software for: 3-5 years ### "Cashflow Manager Gold Always Has STP Issues" July 11, 2023 1.0 Pros Do not use this product. It does not work with Single Touch Payroll. I now have to go back and fix Cashflows multiple STP errors for end of financial year. Cashflow Manager Gold is a broken product. Cons That's pretty simple, see the review I wrote. Review Source Architect Used the software for: 3-5 years ### "Cashflow Manager" November 1, 2019 2.0 The extortionisst nature of cloud based programs Cashflow manager have fully embraced. The way things are going if they owned a shoe shop and sold you a pair of shoes they would lock you out of your house and wardrobe if you didn't pay a monthly subscription to them to wear them. Cashflow Manager seemingly studied the cloud based models and targeted their own business program to make the most out of their customers they could. Initially a great program now screwed no thanks to the owner. Pros I liked the purchase outright, the spreadsheet type format. Cons Problems correctly loading software, appalling customer service (at one stage non-existent), extortionist like cloud based programme. Other monthly subscriptions make it user friendly to correct a missed payment, not this one. It would not be surprising if their greed ultimately saw this software sold out to a bigger fish. Review Source Psychologist Used the software for: 3-5 years ### "Terrible business model" June 10, 2020 5.0 Good for some years then more recently appalling. Pros Easy to use for a small business. Suited my business for many years. Cons Customer service was appalling. \[SENSITIVE CONTENT HIDDEN\] spoke to me like I was an imbecile. When I asked him to stop doing it that he kept going and told me he had done a good job. I told him he spoke over me, did not listen to me, and that he was rude. I asked to speak to his manager and he said no. The issue was that I had paid for a subscription (new business model now prejudicial to long term loyal customers) and the software does not work on my Mac. He said well it's your fault you didn't read the website. I said I am a long term customer and I just wanted to keep the program going so paid it. I didn't read the website and when I looked at it later it did not advertise this limitation on the main page. If you pay the subscription unwittingly it will debit your card then you will not be able to operate the program, and you will not get a refund. They will also not direct you to ways you could have your Mac run windows to run the program "go to a computer expert". This company used to be great but have now lost any credibility. Do not, I repeat do not buy from them. They would get hundreds if not thousands of people being hoodwinked and are making money off them with no ability for redress. Shocking in this day and age when customer service is so vital. Reasons for choosing Cashflow Manager Did not choose it over another product Review Source staff accountant Used the software for: Less than 1 year ### "Best In Business " October 31, 2023 5.0 Pros The general use and functionality of the software is quite impressive. Cons The only downside to this software is only its pricing, but if you want quality the app is right for you Switched from [QuickBooks Enterprise](https://www.capterra.com/p/174984/QuickBooks-Enterprise/) Review Source Propriertor Used the software for: 3-5 years ### "Service that beggars belief" October 29, 2020 1.0 It beggars belief they think what they are doing is appropriate and moral Pros Purchased, bought updates and paid for technical support with Cashflow Manager happily for 30 years Last couple of years after sale of our business just used the program had purchased without updating or paying for the support as not needed. Two weeks ago, without warning my access to Cashflow Manager was cut off, if i wish to retrieve any data have to pay them a years subscription. No negotiation. (I feel like i'm being blackmailed) Cons No help from there help line, just talking over me and trying to justify their actions Would not deal with them again and suggest you be very wary about Cashflow Manager Switched from Their actions and total disregard for me and 30 years of being a client Review Source Director Used the software for: 3-5 years ### "Beware of This Company" June 1, 2020 3.0 Very bad experience dealing with a disreputable company who have no qualms about acting illegally to put money in their coffers. Imagine if Microsoft acted like that and denied you access to all your documents unless you subscribed to their online product. Pros I bought this software several years ago after a recommendation from my accountant and it performed as expected. Nothing special, but it did the job like many other programs. Cons Be prepared to be harassed by this company. After purchase I received regular emails trying to get me to pay a software maintenance fee which was about 70-80% of the original purchase price yearly. I ignored it until I tried to access it one day and found that they had illegally accessed my PC and removed the license that I had paid for so I can't even access the years that I had completed. Their excuse was that I had to purchase a subscription because that is all they offer now and the old software is no longer compliant with current requirements but what about access to my prior years records. Too bad, you have to pay!!! Review Source Director Used the software for: 3-5 years ### "I want my money returned" March 12, 2020 3.0 \[SENSITIVE CONTENT HIDDEN\] from Support was condescending when discussing the fact they took money out of my account without my permission. Pros Product was fairly easy to use and linked into the Australian Taxation departments requirements and obligations Cons Each year I would update my subscription (not cheap) and would perhaps once a year call the help desk. Very hard to get anyone to answer the phone. They provide a call back system (nobody calls back). Most times the help desk was unable to fix the issue. I finished and retired from Business last November yet this February they automatically took AUS $ 468 unlawfully out of my bank account and are refusing to return my money. I have never given permission for them to take money out as I have always called them to pay over the phone or do a bank transfer. They must have illegally kept my bank details to be able to take the money out of my account. Reasons for choosing Cashflow Manager My Accountant had recommended the product Review Source Similar Products Featured ## Send me user reviews about this product ### Fill out the form and we'll send a list of the top-rated software based on real user reviews directly to your inbox.