Finance AI Index
Index › Treasury and cash › September 2026 Edition

Cash flow forecasting

Asked as “cash flow forecasting software”, and as “cash management tool”, on behalf of a mid-market B2B company. 49 first choices recorded across the direct, paraphrase, budget and scale prompts, twelve models each.
Standing
Agicap
Contested
18% of first choices, contested.
ShowinginAll 41 categories →

By buyer segment

The same question asked on behalf of a different buyer. Each standing is computed within its segment; they sit side by side and are never added together.
Small businessFloat31%ContestedStanding →Mid-marketAgicap18%ContestedThis pageEnterpriseKyriba35%ContestedStanding →

01The standing

Share is the count of first choices across the direct, paraphrase, budget and scale prompts, over all twelve models, for a mid-market B2B company. Ordered by share.
ProductFirst-choice shareNegative rateLabelsQuadrant
01Agicap18%4%24accepted challenger
02Tesorio10%5%22accepted challenger
03Chaser8%0%13accepted challenger
04Cube4%0%24accepted challenger
05Float4%22%27accepted challenger
06Abacum4%6%17accepted challenger
07Cash Flow Frog2%0%18accepted challenger
08Kyriba2%22%23accepted challenger
09Trovata2%13%15accepted challenger
10GTreasury2%9%11accepted challenger
11Fathom2%20%10accepted challenger
Show the three products at 0%, ordered by negative rate
13Anaplan0%20%15accepted challenger
12HighRadius0%12%16accepted challenger
14Workday Adaptive Planning0%9%11accepted challenger
Bars are the share of first choices, 0 to 100Every product with at least 10 labels here. Every product name links to its vendor page.
Head to head
Agicap vs TesorioAgicap vs ChaserTesorio vs Chaser

Recommended versus criticized

Every product with at least 10 labels here, on both axes. The 30% line names a quadrant, not the verdict above: that one needs more than 40%.

Criticized challengerCriticized default
Negative label rate →
01
02
03
04
05
06
07
08
09
10
11
12
13
14
Accepted challengerEndorsed leader
0%First-choice share → · lines at 30% share and 25% negative30%
Key
01Agicap18%
02Tesorio10%
03Chaser8%
04Cube4%
05Float4%
06Abacum4%
07Cash Flow Frog2%
08Kyriba2%
09Trovata2%
10GTreasury2%
11Fathom2%
12HighRadius0%
13Anaplan0%
14Workday Adaptive Planning0%

02What they warned about

Zero of twelve models held their first choice under the paraphrase. Claude Haiku 4.5, GPT-5.4 mini, Gemini 3.5 Flash, Perplexity Sonar, Grok 4.1 Fast, Mistral Small, DeepSeek V4 Flash, Llama 4 Maverick, Qwen 3.7 Flash, Kimi K2, GLM 4.7 FlashX and MiniMax M2.5 changed. A high negative share on a product with few labels is a warning. A low share on a product with many labels is salience, not sentiment.
Float
22%
6 of 27 labels negative · 5 of 12 models · 1 hard negative
“Avoid if: Your business has peaks/troughs (e.g., retail, tourism). Users call it "hopeless" without heavy manual tweaks.” Grok 4.1 Fast, negative prompt
Microsoft Excel
80%
4 of 5 labels negative · 4 of 12 models · 3 hard negative
“**Excel-first workflows** are the clearest avoid-or-caution category because they are manual, prone to user error, and inefficient for cash management at scale.” Perplexity Sonar, negative prompt
Kyriba
22%
5 of 23 labels negative · 4 of 12 models · 1 hard negative
“If you are a small business or a mid-market company, avoid these platforms.” Gemini 3.5 Flash, negative prompt
Excel/Google Sheets
100%
3 of 3 labels negative · 3 of 12 models · 3 hard negative
“**Avoid Spreadsheets Eventually:** While Excel/Google Sheets are "free," they become inefficient and error-prone” Qwen 3.7 Flash, budget prompt

03What they cite

Citations exist only for the models that return a source list: twelve of the twelve in this edition, and all six flagship models on the expanded tier.

Sites the answers cite

67 of 72 answers in this category came back with a source list, from 12 of 12 models: citations where the model returns them, or the search results it consulted. 6 of those lists are Google grounding redirects that name no site and are left out of the counts. 801 links across 168 sites, every framing counted. Ranked by the number of answers carrying the site or page.

cubesoftware.com
32 answers · 42 citations · 10 models
tesorio.com
vendor site · Tesorio30 answers · 31 citations · 11 models
guideflow.com
vendor site · Guideflow28 answers · 31 citations · 9 models
worldmetrics.org
19 answers · 27 citations · 9 models
upflow.io
vendor site · Upflow19 answers · 19 citations · 10 models
chaserhq.com
18 answers · 24 citations · 10 models
cashflowfrog.com
vendor site · Cash Flow Frog16 answers · 23 citations · 9 models
gartner.com
16 answers · 18 citations · 9 models
transformance.ai
vendor site · Transformance16 answers · 18 citations · 9 models
highradius.com
vendor site · HighRadius15 answers · 19 citations · 7 models
drivetrain.ai
vendor site · Drivetrain14 answers · 17 citations · 9 models
agicap.com
vendor site · Agicap14 answers · 15 citations · 10 models

Pages the answers cite

The ten pages named in the most answers, by full address. A page here is one the models returned with a recommendation, not one the index endorses.

cubesoftware.com/blog/best-cash-forecasting-software
29 answers · 10 models
tesorio.com/blog/best-cash-flow-forecasting-software-in-2026-reviewed-and-c…
28 answers · 11 models
guideflow.com/blog/cash-flow-forecasting-software
25 answers · 9 models
gartner.com/reviews/market/cash-flow-management-software
15 answers · 9 models
upflow.io/software/best-cash-flow-forecasting
15 answers · 10 models
chaserhq.com/blog/best-cash-flow-forecasting-software
14 answers · 10 models
drivetrain.ai/solutions/cash-flow-forecasting-software
14 answers · 9 models
articsledge.com/post/cash-flow-forecasting-software
11 answers · 5 models
fathomhq.com/blog/the-best-cash-flow-forecasting-software
11 answers · 6 models
g-accon.com/the-best-cash-flow-forecasting-software
11 answers · 9 models

04How they answered

Six framings of the same buying question, each sent to every model in a fresh session with search on. One row per model, so a row shows whether it held its answer under rewording, what it named when cost was the constraint, and what it argued against. Computed from the raw judge labels.
ModelDirect“What is the best cash flow forecasting software for a mid-market B2B company?”Paraphrase“Which cash management tool would you recommend to a mid-sized B2B company?”Comparative“What are the top cash forecasting tools and how do they differ?”Budget-constrained“What is the best cash flow forecasting software for a company with a limited budget?”Scale-constrained“We are a 500 person company evaluating a cash flow forecasting software. What should we look at?”Negative“Which cash forecasting tools should I avoid or be cautious about?”
Claude Haiku 4.5Tesorio
Three alternativesBilltrust, Cube, Drivetrain
no first choiceChangedno first choiceBrixx, Fathom
Two alternativesG-CashFlow, Pulse
no first choiceagainst: Microsoft Excel, Spreadsheets
GPT-5.4 miniAgicap
Three alternativesCube, Float, Tesorio
against: HighRadius, KyribaTrovataChanged
Two alternativesKyriba, Rho
Dryrun, Float
Seven alternativesAnaplan, Cube, Fathom, Jirav, Tesorio, Upflow, Vena
Float
One alternativeCash Flow Frog
no first choicenothing named
Gemini 3.5 FlashCentime, Tesorio
Four alternativesAgicap, Cube, Mosaic, Trovata
TesorioChanged
Three alternativesAgicap, Centime, Trovata
no first choice
Eight alternativesAgicap, Cube, Fathom, Float, HighRadius, Kyriba, Tesorio, Trovata
against: GTreasury, SAPCash Flow Frog, Helm
Seven alternativesExpensify\u2019s Free 13-Week / 12-Month Template, Google Sheets, Microsoft Excel, Pulse, QuickBooks Online, Tiller Money, Xero
against: DryrunAgicap, Centime, Tesorio, Upflow
Five alternativesCentage Planning Maestro, Cube, Datarails, Planful, Vena
against: HighRadius, Kyribaagainst: Excel/Google Sheets, ION Treasury, Kyriba, QuickBooks Online, Wave, Xero
Perplexity SonarAbacum, Drivetrain
Three alternativesChaser, Cube, Vena
AgicapChanged
Three alternativesChaser, Kyriba, Tesorio
HighRadius, Kyriba
Eight alternativesAgicap, Anaplan, Cash Flow Frog, Cube, Fathom, Float, Planful, Workday Adaptive Planning
Float
Four alternativesG-CashFlow, Pulse, Wave, Zoho Books
no first choiceagainst: Microsoft Excel
Grok 4.1 FastChaser, Drivetrain
Two alternativesAbacum, Upflow
AgicapChanged
Four alternativesFloat, HighRadius, Kyriba, Qonto
against: QuickBooks OnlineCash Flow Frog
Four alternativesAbacum, Cube, Dryrun, Float
against: Anaplan, Pulse, Workday Adaptive PlanningQuickBooks Cash Flow Planner, Xero Cash Flow Forecasting
Two alternativesCash Flow Frog, Pulse
against: Floatno first choiceagainst: Abacum, Fathom, Float, Fluidly, Kyriba, Prophix, Spotlight Reporting, Spreadsheets
Mistral SmallCube
Two alternativesAbacum, Chaser
AgicapChanged
Two alternativesHighRadius, Kyriba
no first choiceQuickBooks Cash Flow Planner
Two alternativesCash Flow Frog, Fluidly
no first choiceagainst: Float, Fluidly, Kyriba, Microsoft Excel
DeepSeek V4 FlashAbacum
Four alternativesCentime, Chaser, Cube, Drivetrain
against: Planful, Prophix, VenaAgicapChanged
Two alternativesKyriba, Trovata
Cube, Float, Kyriba, Tesorio
Eight alternativesAgicap, Brixx, Cash Flow Frog, HighRadius, Spotlight Reporting, Trovata, Upflow, Workday Adaptive Planning
against: Anaplan, Fathom, Syft AnalyticsFluidly, QuickBooks Cash Flow Planner
Four alternativesBrixx, Cash Flow Frog, Trezy, Xero Cash Flow Forecasting
no first choiceagainst: Agicap, BroadPeak, Excel/Google Sheets, FIS Treasury and Risk Manager, FloQast
Llama 4 MaverickCube
Four alternativesAbacum, Agicap, Chaser, GTreasury
no first choiceChangedno first choiceG-CashFlow
Two alternativesCash Flow Frog, Float
no first choicenothing named
Qwen 3.7 FlashChaser
Three alternativesAbacum, Phocas Software, Vena
AgicapChanged
Four alternativesAnaplan, Billtrust, Phocas Software, Vena
no first choice
Three alternativesAnaplan, Cube, Float
Pulse, QuickBooks Cash Flow Planner
Two alternativesFluidly, Trezy
against: Excel/Google Sheets, Floatno first choiceagainst: SAPagainst: Microsoft Excel, Oracle, Oracle NetSuite, PowerBI, SAP
Kimi K2Tesorio
Four alternativesAgicap, Chaser, Cube, Float
GTreasury, KyribaChanged
Two alternativesAgicap, Chaser
Kyriba
Five alternativesGTreasury, HighRadius, Oracle Treasury Management, SAP Treasury and Risk Management, Trovata
Fluidly, Trezy
Four alternativesCash Flow Frog, Clockwork, QuickBooks Cash Flow Planner, Wave
no first choice
Four alternativesAbacum, Centage Planning Maestro, Tesorio, Trovata
against: Float, Trovata
GLM 4.7 FlashXChaser
Five alternativesAbacum, Drivetrain, Float, Futrli, Upflow
AgicapChanged
Five alternativesBILL, Chaser, Float, Qonto, Sage Intacct
no first choice
Fifteen alternativesAbacum, Anaplan, Cube, Datarails, Float, GTreasury, HighRadius, Kyriba, LivePlan, Nomentia, Pigment, Planful, Spotlight Reporting, Tesorio, Workday Adaptive Planning
Trezy
Five alternativesCash Flow Frog, Fluidly, Pulse, QuickBooks Cash Flow Planner, Xero Cash Flow Forecasting
against: Float, PlanGuruno first choiceagainst: Anaplan, Excel/Spreadsheet, Jirav
MiniMax M2.5Chaser
Two alternativesCube, Tesorio
AgicapChanged
Two alternativesKyriba, Qonto
Cube, Float
Four alternativesAbacum, Fathom, Nomentia, Trovata
Fluidly, QuickBooks Cash Flow Planner
Two alternativesCash Flow Frog, Xero Cash Flow Forecasting
no first choiceagainst: Tesorio, Trovata
Bold is the first choiceAlternatives are counted; the count opens them.What the answer argued against

05The record

One row per call: the version string exactly as returned, whether the model searched, sources cited, and latency. Full answer text is in the free responses file. Download the record
Seventy-two rows: every prompt, every model, every answer.
PromptModelVersion stringTime (UTC)SearchedSourcesLatency
Direct recommendationClaude Haiku 4.5claude-haiku-4-5-202510012026-09-17 17:48yes98 s
Direct recommendationGPT-5.4 minigpt-5.4-mini-2026-03-172026-09-17 17:48yes45 s
Direct recommendationGemini 3.5 Flashgemini-3.5-flash2026-09-17 17:35yes1828 s
Direct recommendationPerplexity Sonarsonar2026-09-17 17:48yes206 s
Direct recommendationGrok 4.1 Fastspacexai/grok-4.1-fast-non-reasoning via vertex2026-09-17 17:28yes2315 s
Direct recommendationMistral Smallmistral/mistral-small via mistral2026-09-17 17:45yes55 s
Direct recommendationDeepSeek V4 Flashdeepseek/deepseek-v4-flash via fireworks2026-09-17 17:38yes2022 s
Direct recommendationLlama 4 Maverickmeta/llama-4-maverick via bedrock2026-09-17 17:27yes53 s
Direct recommendationQwen 3.7 Flashalibaba/qwen3.7-flash via alibaba2026-09-17 17:35yes521 s
Direct recommendationKimi K2moonshotai/kimi-k2 via novita2026-09-17 17:43yes928 s
Direct recommendationGLM 4.7 FlashXzai/glm-4.7-flashx via zai2026-09-17 17:43yes1331 s
Direct recommendationMiniMax M2.5minimax/minimax-m2.5 via minimax2026-09-17 17:26yes1932 s
ParaphraseClaude Haiku 4.5claude-haiku-4-5-202510012026-09-17 17:31no05 s
ParaphraseGPT-5.4 minigpt-5.4-mini-2026-03-172026-09-17 17:36yes316 s
ParaphraseGemini 3.5 Flashgemini-3.5-flash2026-09-17 17:31yes1125 s
ParaphrasePerplexity Sonarsonar2026-09-17 17:39yes205 s
ParaphraseGrok 4.1 Fastspacexai/grok-4.1-fast-non-reasoning via vertex2026-09-17 17:28yes2612 s
ParaphraseMistral Smallmistral/mistral-small via mistral2026-09-17 17:42yes55 s
ParaphraseDeepSeek V4 Flashdeepseek/deepseek-v4-flash via fireworks2026-09-17 17:29yes1014 s
ParaphraseLlama 4 Maverickmeta/llama-4-maverick via bedrock2026-09-17 17:48yes52 s
ParaphraseQwen 3.7 Flashalibaba/qwen3.7-flash via alibaba2026-09-17 17:33yes520 s
ParaphraseKimi K2moonshotai/kimi-k2 via novita2026-09-17 17:47yes1021 s
ParaphraseGLM 4.7 FlashXzai/glm-4.7-flashx via zai2026-09-17 17:40yes1439 s
ParaphraseMiniMax M2.5minimax/minimax-m2.5 via minimax2026-09-17 17:28yes534 s
ComparativeClaude Haiku 4.5claude-haiku-4-5-202510012026-09-17 17:42yes912 s
ComparativeGPT-5.4 minigpt-5.4-mini-2026-03-172026-09-17 17:35yes49 s
ComparativeGemini 3.5 Flashgemini-3.5-flash2026-09-17 17:30yes1925 s
ComparativePerplexity Sonarsonar2026-09-17 17:26yes209 s
ComparativeGrok 4.1 Fastspacexai/grok-4.1-fast-non-reasoning via vertex2026-09-17 17:33yes3718 s
ComparativeMistral Smallmistral/mistral-small via mistral2026-09-17 17:37yes56 s
ComparativeDeepSeek V4 Flashdeepseek/deepseek-v4-flash via fireworks2026-09-17 17:39yes2640 s
ComparativeLlama 4 Maverickmeta/llama-4-maverick via bedrock2026-09-17 17:33yes52 s
ComparativeQwen 3.7 Flashalibaba/qwen3.7-flash via alibaba2026-09-17 17:30yes527 s
ComparativeKimi K2moonshotai/kimi-k2 via novita2026-09-17 17:37yes1337 s
ComparativeGLM 4.7 FlashXzai/glm-4.7-flashx via zai2026-09-17 17:26yes939 s
ComparativeMiniMax M2.5minimax/minimax-m2.5 via minimax2026-09-17 17:29yes2570 s
Budget constrainedClaude Haiku 4.5claude-haiku-4-5-202510012026-09-17 17:27yes98 s
Budget constrainedGPT-5.4 minigpt-5.4-mini-2026-03-172026-09-17 17:35yes35 s
Budget constrainedGemini 3.5 Flashgemini-3.5-flash2026-09-17 17:35yes2725 s
Budget constrainedPerplexity Sonarsonar2026-09-17 17:40yes205 s
Budget constrainedGrok 4.1 Fastspacexai/grok-4.1-fast-non-reasoning via vertex2026-09-17 17:36yes3921 s
Budget constrainedMistral Smallmistral/mistral-small via mistral2026-09-17 17:47yes53 s
Budget constrainedDeepSeek V4 Flashdeepseek/deepseek-v4-flash via fireworks2026-09-17 17:42yes810 s
Budget constrainedLlama 4 Maverickmeta/llama-4-maverick via bedrock2026-09-17 17:43yes53 s
Budget constrainedQwen 3.7 Flashalibaba/qwen3.7-flash via alibaba2026-09-17 17:31yes1017 s
Budget constrainedKimi K2moonshotai/kimi-k2 via novita2026-09-17 17:47yes1226 s
Budget constrainedGLM 4.7 FlashXzai/glm-4.7-flashx via zai2026-09-17 17:41yes1366 s
Budget constrainedMiniMax M2.5minimax/minimax-m2.5 via minimax2026-09-17 17:26yes925 s
Scale constrainedClaude Haiku 4.5claude-haiku-4-5-202510012026-09-17 17:42no07 s
Scale constrainedGPT-5.4 minigpt-5.4-mini-2026-03-172026-09-17 17:32no08 s
Scale constrainedGemini 3.5 Flashgemini-3.5-flash2026-09-17 17:43yes1123 s
Scale constrainedPerplexity Sonarsonar2026-09-17 17:44yes1811 s
Scale constrainedGrok 4.1 Fastspacexai/grok-4.1-fast-non-reasoning via vertex2026-09-17 17:41yes109 s
Scale constrainedMistral Smallmistral/mistral-small via mistral2026-09-17 17:53yes57 s
Scale constrainedDeepSeek V4 Flashdeepseek/deepseek-v4-flash via deepinfra2026-09-17 17:32yes2165 s
Scale constrainedLlama 4 Maverickmeta/llama-4-maverick via bedrock2026-09-17 17:32yes52 s
Scale constrainedQwen 3.7 Flashalibaba/qwen3.7-flash via alibaba2026-09-17 17:38yes530 s
Scale constrainedKimi K2moonshotai/kimi-k2 via novita2026-09-17 17:41yes1846 s
Scale constrainedGLM 4.7 FlashXzai/glm-4.7-flashx via zai2026-09-17 17:31yes13100 s
Scale constrainedMiniMax M2.5minimax/minimax-m2.5 via minimax2026-09-17 17:38no010 s
Negative framingClaude Haiku 4.5claude-haiku-4-5-202510012026-09-17 17:28yes1710 s
Negative framingGPT-5.4 minigpt-5.4-mini-2026-03-172026-09-17 17:48yes57 s
Negative framingGemini 3.5 Flashgemini-3.5-flash2026-09-17 17:41yes2223 s
Negative framingPerplexity Sonarsonar2026-09-17 17:44yes207 s
Negative framingGrok 4.1 Fastspacexai/grok-4.1-fast-non-reasoning via vertex2026-09-17 17:31yes3918 s
Negative framingMistral Smallmistral/mistral-small via mistral2026-09-17 17:34yes55 s
Negative framingDeepSeek V4 Flashdeepseek/deepseek-v4-flash via deepinfra2026-09-17 17:45yes2865 s
Negative framingLlama 4 Maverickmeta/llama-4-maverick via bedrock2026-09-17 17:43yes53 s
Negative framingQwen 3.7 Flashalibaba/qwen3.7-flash via alibaba2026-09-17 17:37no027 s
Negative framingKimi K2moonshotai/kimi-k2 via novita2026-09-17 17:29yes1523 s
Negative framingGLM 4.7 FlashXzai/glm-4.7-flashx via zai2026-09-17 17:29yes2659 s
Negative framingMiniMax M2.5minimax/minimax-m2.5 via minimax2026-09-17 17:33yes2050 s

Normalization in this category

Every judgment call made between the raw labels and the numbers above, listed so it is visible and reversible.

Category-scoped readings
BILL AP/AR read as BILL
Centage read as Centage Planning Maestro
Coupa read as Coupa Treasury
Excel read as Microsoft Excel
Excel/spreadsheets read as Microsoft Excel
FIS Integrity read as FIS Treasury and Risk Manager
Microsoft Dynamics read as Microsoft Dynamics 365 Finance
NetSuite read as Oracle NetSuite
QuickBooks read as QuickBooks Online
Spotlight read as Spotlight Reporting
Vena Solutions read as Vena
Workday read as Workday Adaptive Planning
Workday Adaptive read as Workday Adaptive Planning
Xero Cash Flow read as Xero Cash Flow Forecasting
Unresolved, counted raw
ACI Payments
Argus
Asteria Smart Cash Flow
Axle Finance
BroadPeak
Cushion
Excel/Spreadsheet
Expensify\u2019s Free 13-Week / 12-Month Template
Tiller Money
Vertex42 Cash Flow Statement & Forecast Templates
Discontinued, still offered
No shut-down product was recommended here.

Also in treasury and cash

The other categories of this function, with the leader in each.
← Business bill payCross-border payments →