# Cash flow forecasting: what AI models recommend, September 2026

Gane Index, September 2026 Edition. Asked as "cash flow forecasting software" and as "cash management tool", six framings each, to twelve models with search on, on behalf of a mid-market B2B company. Page: https://www.gane.ai/index/finance/treasury/cash-flow-forecasting/2026-09

This is the permanent record of the September 2026 Edition, published September 17, 2026 and superseded since. The current standing: https://www.gane.ai/index/finance/treasury/cash-flow-forecasting/index.md

**Standing:** Agicap leads with 18% of first choices; verdict contested. 49 first choices across the direct, paraphrase, budget and scale prompts.

## First-choice share

| Rank | Product | Share | Negative rate | Labels |
|---|---|---|---|---|
| 1 | [Agicap](https://www.gane.ai/index/finance/vendors/agicap/index.md) | 18% | 4% | 24 |
| 2 | [Tesorio](https://www.gane.ai/index/finance/vendors/tesorio/index.md) | 10% | 5% | 22 |
| 3 | [QuickBooks Cash Flow Planner](https://www.gane.ai/index/finance/vendors/quickbooks-cash-flow-planner/index.md) | 10% | 20% | 10 |
| 4 | [Chaser](https://www.gane.ai/index/finance/vendors/chaser/index.md) | 8% | 0% | 13 |
| 6 | [Cube](https://www.gane.ai/index/finance/vendors/cube/index.md) | 4% | 0% | 24 |
| 7 | [Float](https://www.gane.ai/index/finance/vendors/float/index.md) | 4% | 22% | 27 |
| 8 | [Abacum](https://www.gane.ai/index/finance/vendors/abacum/index.md) | 4% | 6% | 17 |
| 12 | [Cash Flow Frog](https://www.gane.ai/index/finance/vendors/cash-flow-frog/index.md) | 2% | 0% | 18 |
| 13 | [Kyriba](https://www.gane.ai/index/finance/vendors/kyriba/index.md) | 2% | 22% | 23 |
| 14 | [Trovata](https://www.gane.ai/index/finance/vendors/trovata/index.md) | 2% | 13% | 15 |
| 15 | [GTreasury](https://www.gane.ai/index/finance/vendors/gtreasury/index.md) | 2% | 9% | 11 |
| 18 | [Fathom](https://www.gane.ai/index/finance/vendors/fathom/index.md) | 2% | 20% | 10 |

Rank is by share of first choices among all 83 products named; products with the same share are tied, and the order among them carries no meaning. The table lists those with at least 10 labels.

## Each model's first choice on the direct prompt

- Claude Haiku 4.5: Tesorio; alternatives Billtrust, Cube, Drivetrain
- GPT-5.4 mini: Agicap; alternatives Cube, Float, Tesorio
- Gemini 3.5 Flash: Centime, Tesorio; alternatives Agicap, Cube, Mosaic, Trovata
- Perplexity Sonar: Abacum, Drivetrain; alternatives Chaser, Cube, Vena
- Grok 4.20: Chaser, Drivetrain; alternatives Abacum, Upflow
- Mistral Small: Cube; alternatives Abacum, Chaser
- DeepSeek V4 Flash: Abacum; alternatives Centime, Chaser, Cube, Drivetrain
- Llama 4 Maverick: Cube; alternatives Abacum, Agicap, Chaser, GTreasury
- Qwen 3.7 Flash: Chaser; alternatives Abacum, Phocas Software, Vena
- Kimi K2: Tesorio; alternatives Agicap, Chaser, Cube, Float
- GLM 4.7 FlashX: Chaser; alternatives Abacum, Drivetrain, Float, Futrli
- MiniMax M2.5: Chaser; alternatives Cube, Tesorio

## Sources the answers cite

67 of 72 answers came back with a source list, from 12 of 12 models. Sites named in the most answers:

- tesorio.com: 34 answers, 35 citations
- cubesoftware.com: 33 answers, 43 citations
- guideflow.com: 30 answers, 33 citations
- chaserhq.com: 20 answers, 26 citations
- gartner.com: 20 answers, 22 citations
- upflow.io: 20 answers, 20 citations
- cashflowfrog.com: 19 answers, 30 citations
- worldmetrics.org: 19 answers, 27 citations

Pages named in the most answers:

- https://tesorio.com/blog/best-cash-flow-forecasting-software-in-2026-reviewed-and-compared (31 answers)
- https://cubesoftware.com/blog/best-cash-forecasting-software (29 answers)
- https://guideflow.com/blog/cash-flow-forecasting-software (26 answers)
- https://gartner.com/reviews/market/cash-flow-management-software (19 answers)
- https://chaserhq.com/blog/best-cash-flow-forecasting-software (16 answers)
- https://upflow.io/software/best-cash-flow-forecasting (16 answers)
- https://drivetrain.ai/solutions/cash-flow-forecasting-software (14 answers)
- https://cashflowfrog.com/blog/best-cash-flow-forecasting-software (13 answers)
- https://articsledge.com/post/cash-flow-forecasting-software (11 answers)
- https://fathomhq.com/blog/the-best-cash-flow-forecasting-software (11 answers)

## Warned against

- Microsoft Excel: 5 of 6 labels 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: 6 of 27 labels 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: 5 of 23 labels negative. "If you are a small business or a mid-market company, avoid these platforms." (Gemini 3.5 Flash, negative prompt)
- Excel/Google Sheets: 3 of 3 labels negative. "Avoid Spreadsheets Eventually: While Excel/Google Sheets are "free," they become inefficient and error-prone" (Qwen 3.7 Flash, budget prompt)

## Record

- Method: https://www.gane.ai/index/finance/methodology
- License: CC BY 4.0. Cite as Gane Index, September 2026 Edition, www.gane.ai/index/finance.