Take control with cash flow management software

Stay on top of your finances with essential tools that help you manage income, track expenses, and get paid faster.

All-in-one software to help you track and manage cash flow

Better budgeting backed by numbers

See important indicators like monthly income vs expenses, daily cash flow, and overall financial position to keep budgets on point.

Valuable insight at a glance

Get quick visibility on income, profits, and expenses to plan your spending and stay decision-ready.

Smarter invoicing, faster payments

Set up invoice reminders or use smart AI reminders to spend less time and energy chasing late payments.

Essential cash flow features to help manage your business finances

With the MYOB Business financial position report you can track your income, expenses and net profit.

Assess cash flow and budgeting at a glance

Keep a keen eye on income, profits, and expenses to take the guesswork out of planning and budgeting.

Customise your dashboard with key figures and graphs, including monthly income vs expenses, daily cash flow, and overall position
Budget better: Plan ahead for quieter periods, set profitable pricing, and pay yourself the right amount
Link your bank accounts for a more complete and up-to-date view of your cash flow

When you apply for Online Payments with MYOB Business, you can get access to a variety of payment methods, including digital wallets and credit cards.

Get paid 5x faster

Give customers more ways to pay, so you can get paid 5x faster. Talk about a win-win.

Offer plenty of payment options, including Apple Pay™, Google Pay™, Mastercard, and VISA
Send invoices via email, PDF, or social media to let customers pay in just a few clicks

Example of an automated invoice reminder sent to a late paying customer. The invoice reminder has a link for the full invoice details, the balance due and a pay now option.

Spend less time chasing late payments

Tired of playing debt-collector? MYOB takes care of the admin and the awkwardness.

Link your bank account to automatically match transactions with payments, and easily see who’s paid up
Set up payment reminders with customisable messages, or kick back with AI-powered Smart Invoice Reminders to automate the right tone and timing for each client

What our customers say about MYOB cash flow management software

Swipe left and right to see more

I like looking at the graphs that tell you how much income is coming in and which expenses are going out. It’s pretty cool to track how much money we’ve been making and see our growth on any day throughout the month.

Judith Hurschler, Owner, Little Cherry Coffee Cart

Payroll used to be something we worried about, but MYOB has made it so simple. We can see payroll costs in real time, which gives us the confidence to hire new staff without worrying about cashflow issues.

Blake Randall, Founder and Owner, Inner Power Coaching

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It's easy to get started with MYOB Business Lite

MYOB BUSINESS

Lite

For sole traders and small business with up to 2 employees.

Get 50% off your first year

$157.50/year + GST

$315/year after offer period

Save $157.50 in the first year

Try FREE for 14 days Explore Lite

Features

Now with in-built AI features
Create and send unlimited professional invoices and quotes
Connect up to 2 existing bank accounts
Add payroll for up to 2 employees (extra $3/month + GST per employee)
Track income and expenses
Track and report GST
Scan and store receipts
Manage tax and basic reports
Accept online payments
Track jobs

Compare plans and pricing

A better way to manage cash flow

MYOB helps businesses know their financial position, giving a clear snapshot of income, expenses, and net profits - with reports that help you drill into the numbers.

From risky guesswork to actionable cash insights

Sensible budgeting and smooth cash flow are integral to business success, and not things you want to approach haphazardly.

By understanding when money comes in, where it goes, and what’s ahead, you can plan for quiet periods, manage expenses, and make big business decisions confidently.

MYOB Capture mobile app scans receipt to upload to MYOB

MYOB brings visibility to cash flow for better decision-making

MYOB helps small businesses plan ahead with clear, comprehensive cash flow visibility that’s easy to check, track, and action.

So you get highly useful insights into your income and expenses in real time – and your customers get more (and faster) ways to pay.

Need more than cash flow management?

Add other MYOB solutions into the mix to get even more control over your business – all in one place.

Tax and GST

Have GST automatically calculated for you. Prepare and lodge your GST return directly with the IR from your MYOB software.

Expense management

Track bills in your software, automatically match purchases to your bank transactions, and easily on-charge expenses to your customers.

Invoicing and quotes

Create and send professional invoices with customisable templates pre-saved costs for fast and easy invoicing.

See all features

All your cash flow management questions, answered

Who is MYOB cash flow management software for?

MYOB’s cash flow management software is for sole traders and small businesses looking to get clear visibility on their financial health.

It's key to making good business decisions based on actual numbers like income, profit, and expenses – rather than relying on guesswork.

What are common signs that I need to manage my business’s cash flow?

There’s a good chance you have a cash flow problem if:

you frequently miss payments or pay late
you consistently have negative cash flow, meaning more cash is going out of your business than coming in
you often move money around and/or pay out of pocket to cover business costs

Thankfully, cash flow management software can help you treat these issues earlier, and put cash where it’s needed.

Is MYOB Business Lite enough for my cash flow needs?

For most sole traders and small businesses, MYOB Business Lite has plenty of features to cover essential cash flow needs and tasks.

We recommend stepping up to MYOB Business Pro if you have more than three employees, need to connect more than two bank accounts, or want deeper reporting.

See which product is right for you

Can I make cash flow projections?

While we can’t predict the future, our cash flow management software includes financial reporting right out of the box to inform upcoming budgeting and forecasting.

This lets you review cash flow for a specific time period of your choosing, so you can identify trends, spending spikes, and whatever else helps smooth out your cash flow.

How long does MYOB cash flow management software take to set up?

All MYOB software for small businesses can be set up in no more than a few minutes:

Select the MYOB software plan that's right for your business
Purchase to access your software immediately
Log in to the software to be guided through setup

Voila! You’re ready to make better business decisions with more insight into your cash flow.

Can I use cash flow management software on my phone?

Absolutely.

MYOB Business Lite and Business Pro are compatible with all browsers on desktop, mobile, and tablet devices.

We also have a bunch of companion mobile apps, including:

MYOB Capture to scan, upload, and auto-extract information from receipts directly to your software.
MYOB Invoice to create smart, trackable, and professional invoices that clients can pay in just a few clicks.

Explore more MYOB mobile apps