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

Gane Index, November 2026 Edition. Asked as "cash flow forecasting software" and as "cash management tool", six framings each, to fourteen models with search on, on behalf of a mid-market B2B company. Page: https://www.gane.ai/index/finance/treasury/cash-flow-forecasting/2026-11

**Standing:** Agicap leads with 17% of first choices; verdict contested. 54 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) | 17% | 3% | 35 |
| 2 | [Upflow](https://www.gane.ai/index/finance/vendors/upflow/index.md) | 9% | 0% | 11 |
| 3 | [Pulse](https://www.gane.ai/index/finance/vendors/pulse/index.md) | 9% | 7% | 14 |
| 4 | [Drivetrain](https://www.gane.ai/index/finance/vendors/drivetrain/index.md) | 9% | 17% | 12 |
| 5 | [Cash Flow Frog](https://www.gane.ai/index/finance/vendors/cash-flow-frog/index.md) | 7% | 0% | 23 |
| 6 | [Prophix One](https://www.gane.ai/index/finance/vendors/prophix-one/index.md) | 7% | 0% | 21 |
| 7 | [Centime](https://www.gane.ai/index/finance/vendors/centime/index.md) | 7% | 0% | 12 |
| 8 | [Tesorio](https://www.gane.ai/index/finance/vendors/tesorio/index.md) | 6% | 0% | 25 |
| 9 | [Trovata](https://www.gane.ai/index/finance/vendors/trovata/index.md) | 4% | 0% | 18 |
| 11 | [Float](https://www.gane.ai/index/finance/vendors/float/index.md) | 2% | 8% | 36 |
| 12 | [Kyriba](https://www.gane.ai/index/finance/vendors/kyriba/index.md) | 2% | 16% | 32 |
| 13 | [Chaser](https://www.gane.ai/index/finance/vendors/chaser/index.md) | 2% | 0% | 13 |

Rank is by share of first choices among all 102 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: Prophix One; alternatives Chaser, Cube, Tesorio, Trovata
- GPT-5.4 mini: Kyriba; alternatives Agicap, Anaplan, Drivetrain
- Gemini 3.5 Flash: Centime, Tesorio; alternatives Abacum, Agicap, Cube, Trovata
- Perplexity Sonar: Upflow; alternatives Chaser, Prophix One, Tesorio
- Grok 4.20: Drivetrain; alternatives Agicap, Cash Flow Frog, CashAnalytics, Float
- Mistral Small: Prophix One, Upflow; alternatives Chaser, Tesorio
- DeepSeek V4 Flash: Agicap; alternatives Centime, Chaser, Prophix One, Tesorio
- Llama 4 Maverick: Chaser; alternatives Prophix One, Upflow, Vena
- Qwen 3.7 Flash: Tesorio, Upflow; alternatives Prophix One, Trovata, Vena
- Kimi K2: Agicap, Drivetrain; alternatives Chaser, Cube, Prophix One, Vena
- GLM 4.7 FlashX: Drivetrain; alternatives Agicap, Float, Prophix One, Vena
- MiniMax M2.5: Centime, Upflow; alternatives Prophix One, Vena
- GPT-6 Luna: Agicap; alternatives Centime, Prophix One, Tesorio
- Muse Glimmer 30B: Drivetrain, Prophix One; alternatives Abacum, Agicap, Chaser, Tesorio

## Sources the answers cite

75 of 84 answers came back with a source list, from 14 of 14 models. Sites named in the most answers:

- prophix.com: 34 answers, 39 citations
- drivetrain.ai: 27 answers, 28 citations
- floatapp.com: 24 answers, 37 citations
- tesorio.com: 24 answers, 24 citations
- getaleph.com: 23 answers, 27 citations
- chaserhq.com: 22 answers, 27 citations
- upflow.io: 18 answers, 20 citations
- fathomhq.com: 16 answers, 21 citations

Pages named in the most answers:

- https://prophix.com/blog/best-cash-flow-forecasting-software (30 answers)
- https://drivetrain.ai/solutions/cash-flow-forecasting-software (27 answers)
- https://getaleph.com/answers/cash-flow-runway-forecasting-software (20 answers)
- https://floatapp.com/blog/best-cash-flow-forecasting-software-finance-teams (18 answers)
- https://upflow.io/software/best-cash-flow-forecasting (18 answers)
- https://tesorio.com/blog/best-cash-flow-forecasting-software-in-2026-reviewed-and-compared (16 answers)
- https://chaserhq.com/blog/best-cash-flow-forecasting-software (14 answers)
- https://tidely.com/en/blog-posts/liquidity-software-comparison (14 answers)
- https://fathomhq.com/blog/cash-flow-forecasting-tools-guide-for-accurate-projections (13 answers)
- https://cashflowfrog.com/blog/best-cash-flow-forecasting-software (11 answers)

## Warned against

- Microsoft Excel: 7 of 8 labels negative. "Bare Manual Spreadsheets (Excel / Google Sheets) *for Mid-Market & Enterprise* ... relying solely on static spreadsheets for complex, multi-entity, or fast-growing businesses is a major trap." (Gemini 3.5 Flash, negative prompt)
- Google Sheets: 6 of 7 labels negative. "Basic Spreadsheets (Excel/Google Sheets) for Complex Businesses ... When to avoid: If you have high transaction volume, multiple entities, or need real-time visibility." (MiniMax M2.5, negative prompt)
- Anaplan: 8 of 21 labels negative. "Avoid for tight budgets: Enterprise tools like Drivetrain, Vena, or Anaplan, which are powerful but geared toward larger teams with higher costs." (Grok 4.20, budget prompt)
- Kyriba: 5 of 32 labels negative. "What to Avoid - Kyriba / GTreasury / TIS: Powerful but typically over-engineered and expensive for mid-sized B2B" (Kimi K2, paraphrase prompt)

## Movement since October 2026

Floor: 10 points of share, measured on the calibration repeat.
Same leader: Agicap at 17%.

- Drivetrain: 2% to 9%, +7. Inside the floor by 3 points · rank 14 → 4 of 102.
- Prophix One: 0% to 7%, +7. Inside the floor by 3 points · rank 32 → 6 of 102.
- Float: 8% to 2%, −6. Inside the floor by 4 points · rank 2 → 11 of 102.
- Chaser: 8% to 2%, −6. Inside the floor by 4 points · rank 4 → 13 of 102.
- Cube: 6% to 0%, −6. Inside the floor by 4 points · rank 6 → 24 of 102.
- Agicap: 13% to 17%, +4. Inside the floor by 6 points · rank 1 of 102, unchanged.
- Upflow: 6% to 9%, +3. Inside the floor by 7 points · rank 7 → 2 of 102.
- Pulse: 6% to 9%, +3. Inside the floor by 7 points · rank 8 → 3 of 102.
- Centime: 4% to 7%, +3. Inside the floor by 7 points · rank 11 → 7 of 102.
- Kyriba: 4% to 2%, −2. Inside the floor by 8 points · rank 10 → 12 of 102.
- HighRadius: 0% to 2%, +2. Inside the floor by 8 points · rank 25 → 14 of 102.
- QuickBooks Cash Flow Planner: 4% to 2%, −2. Inside the floor by 8 points · rank 13 → 16 of 102.

## Record

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