September 2026 Edition, published · The permanent record of that edition, superseded since. The current standing is on the category page →
Index › Finance › Treasury and cash › Cash flow forecasting · 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 · first-choice share
18%
Contested · QuickBooks Cash Flow Planner 10%
18Agicap10QuickBooks Cash Flow Planner10Tesorio61others

18% of first choices, contested.

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.

The 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
03QuickBooks Cash Flow Planner10%20%10accepted challenger
04Chaser8%0%13accepted challenger
05Cube4%0%24accepted challenger
06Float4%22%27accepted challenger
07Abacum4%6%17accepted challenger
08Cash Flow Frog2%0%18accepted challenger
09Kyriba2%22%23accepted challenger
10Trovata2%13%15accepted challenger
11GTreasury2%9%11accepted challenger
12Fathom2%20%10accepted challenger
Show the three products at 0%, ordered by negative rate
14Anaplan0%20%15accepted challenger
13HighRadius0%12%16accepted challenger
15Workday 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 product page.
All twenty-eight head-to-head pages: the top eight products, each against each

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
15
Accepted challengerEndorsed leader
0%First-choice share → · lines at 30% share and 25% negative30%
Key
01Agicap18%
02Tesorio10%
03QuickBooks Cash Flow Planner10%
04Chaser8%
05Cube4%
06Float4%
07Abacum4%
08Cash Flow Frog2%
09Kyriba2%
10Trovata2%
11GTreasury2%
12Fathom2%
13HighRadius0%
14Anaplan0%
15Workday Adaptive Planning0%

What 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 4.20, 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.
Microsoft Excel
83%
5 of 6 labels negative · 5 of 12 models · 4 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
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 4.20, 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

What they cite

Twelve of the twelve models returned a source list in this edition: four return the pages they cited and eight the search results they consulted.

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. 909 links across 191 sites, every framing counted. Ranked by the number of answers carrying the site or page.

vendor site · Tesorio34 answers · 35 citations · 12 models
vendor site · Cubesoftware33 answers · 43 citations · 11 models
vendor site · Guideflow30 answers · 33 citations · 10 models
20 answers · 26 citations · 11 models
20 answers · 22 citations · 10 models
vendor site · Upflow20 answers · 20 citations · 11 models
vendor site · Cash Flow Frog19 answers · 30 citations · 10 models
vendor site · Worldmetrics19 answers · 27 citations · 9 models
vendor site · Transformance19 answers · 21 citations · 10 models
vendor site · HighRadius17 answers · 21 citations · 8 models
vendor site · Nomentia15 answers · 21 citations · 9 models
vendor site · Agicap15 answers · 19 citations · 11 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.

Search against answers

Each company's standing in the answers beside its site's footprint in Google search, one row a site: the products the models named on it with their shares, and the share they add up to; monthly searches on Google, and DataForSEO's estimate of AI search demand (modeled from search signals, directional, not a count of queries to any assistant), for the most-searched of the company's and its products' names (the name is in each row's hover text); estimated monthly organic visits to the site; and its best position in Google's top ten for “best cash flow forecasting software”, “cash flow forecasting software”, “cash forecasting tools”. US estimates from DataForSEO and Google's Ads Transparency Center. A small company's site, or a mid-sized company's site for its flagship, is marked company; a product on a large parent's site (Google, Microsoft) has no site figures. A column with no figures for this category is left out, and an empty cell means none were seen, not none exist. Two measurements side by side: neither is read as the cause of the other.
Company and productsShareOwn site citedName searches, GoogleAI search demand, est.Organic visitsPaid search a month, est.Google ads, last 30 daysBest Google position
Agicap agicap.com18%123590531,99822
Tesorio tesorio.com10%15588081,07913
QuickBooks parent site
QuickBooks Cash Flow Planner 10%
10%411,000,00054,681
Chaser chaserhq.com8%1786,120,00013,68311,0660
Fluidly fluid.ly6%72041220
Cube cubesoftware.com4%30490,500152,613168,76413
Float floatapp.com4%12060,500177,38711,19922
Abacum abacum.ai4%601,3001879,014$26163
Drivetrain drivetrain.ai4%5518,1002,8188,983$13412
Centime centime.com4%431,3001971,6959

Google's top ten for the three searches hold 15 sites; 2 of them are among the sites the models cited here (cashflowfrog.com, highradius.com). The first result for “best cash flow forecasting software” is fathomhq.com.

How 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.
ShowHide
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, Kyriba
TrovataChanged
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, SAP Treasury and Risk Management
Cash Flow Frog, Helm
Seven alternativesExpensify\u2019s Free 13-Week / 12-Month Template, Google Sheets, Microsoft Excel, Pulse, QuickBooks Cash Flow Planner, Tiller Money, Xero Cash Flow Forecasting
against: Dryrun
Agicap, Centime, Tesorio, Upflow
Five alternativesCentage Planning Maestro, Cube, Datarails, Planful, Vena
against: HighRadius, Kyriba
against: Excel/Google Sheets, ION Treasury, Kyriba, QuickBooks Cash Flow Planner, Wave, Xero Cash Flow Forecasting
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 4.20Chaser, Drivetrain
Two alternativesAbacum, Upflow
AgicapChanged
Four alternativesFloat, HighRadius, Kyriba, Qonto
against: QuickBooks Cash Flow Planner
Cash Flow Frog
Four alternativesAbacum, Cube, Dryrun, Float
against: Anaplan, Pulse, Workday Adaptive Planning
QuickBooks Cash Flow Planner, Xero Cash Flow Forecasting
Two alternativesCash Flow Frog, Pulse
against: Float
no first choiceagainst: Abacum, Fathom, Float, Fluidly, Kyriba, Prophix One, 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 One, Vena
AgicapChanged
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 Analytics
Fluidly, 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, Float
no first choiceagainst: SAP Treasury and Risk Managementagainst: Microsoft Excel, Oracle, Oracle NetSuite, PowerBI, SAP Treasury and Risk Management
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, PlanGuru
no first choiceagainst: Anaplan, Jirav, Microsoft Excel, Spreadsheet
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

The record

One row per call: the version string exactly as returned, whether the model searched, sources cited, and latency.
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 4.20spacexai/grok-4.1-fast-non-reasoning via vertex (asked for grok-4.20-non-reasoning; the API answered as this version)2026-09-17 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 4.20spacexai/grok-4.1-fast-non-reasoning via vertex (asked for grok-4.20-non-reasoning; the API answered as this version)2026-09-17 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 4.20spacexai/grok-4.1-fast-non-reasoning via vertex (asked for grok-4.20-non-reasoning; the API answered as this version)2026-09-17 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 4.20spacexai/grok-4.1-fast-non-reasoning via vertex (asked for grok-4.20-non-reasoning; the API answered as this version)2026-09-17 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 4.20spacexai/grok-4.1-fast-non-reasoning via vertex (asked for grok-4.20-non-reasoning; the API answered as this version)2026-09-17 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 4.20spacexai/grok-4.1-fast-non-reasoning via vertex (asked for grok-4.20-non-reasoning; the API answered as this version)2026-09-17 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.

ShowHide
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
Prophix read as Prophix One
QuickBooks read as QuickBooks Cash Flow Planner
QuickBooks Online (QBO) read as QuickBooks Cash Flow Planner
SAP read as SAP Treasury and Risk Management
Spotlight read as Spotlight Reporting
Vena Solutions read as Vena
Workday read as Workday Adaptive Planning
Workday Adaptive read as Workday Adaptive Planning
Xero read as Xero Cash Flow Forecasting
Xero Cash Flow read as Xero Cash Flow Forecasting
Unresolved, counted raw
ACI Payments
Argus
Asteria Smart Cash Flow
Axle Finance
BroadPeak
Cushion
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.
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