Index › Finance › Treasury and cash › Cash flow forecasting › Small business · November 2026 Edition
Cash flow forecasting for small business buyers
Asked as “cash flow forecasting software”, and as “cash management tool”, on behalf of a small B2B company. 54 first choices recorded across the direct, paraphrase, budget and scale prompts, fourteen models each.
Standing · first-choice share
24%
Contested · Cash Flow Frog 20%
24Float20Cash Flow Frog13Pulse43others
24% of first choices, contested.
Since October 2026▼−11Since October 2026: 35% → 24%, −11 points. Past the 10-point floor: movement.Float held the lead, −11 points on 35%, past the floor.
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 business
Float24%Contested▼−11Since October 2026: 35% → 24%, −11 points. Past the 10-point floor: movement.This pageMid-market
Agicap17%Contested▲+4Since October 2026: 13% → 17%, +4 points. Inside the 10-point floor: within noise.Standing →Enterprise
Kyriba34%Contested▲+10Since October 2026: 24% → 34%, +10 points. Inside the 10-point floor: within noise.Standing →
Float24%Contested▼−11Since October 2026: 35% → 24%, −11 points. Past the 10-point floor: movement.This pageMid-marketAgicap17%Contested▲+4Since October 2026: 13% → 17%, +4 points. Inside the 10-point floor: within noise.Standing →EnterpriseKyriba34%Contested▲+10Since October 2026: 24% → 34%, +10 points. Inside the 10-point floor: within noise.Standing →The standing
Share is the count of first choices across the direct, paraphrase, budget and scale prompts, over all fourteen models, for a small B2B company. Ordered by share.
ProductFirst-choice shareNegative rateLabelsQuadrantSince October 2026
01Float24%4%56accepted challenger▼−11Since October 2026: 35% → 24%, −11 points. Past the 10-point floor: movement.35% → 24%
Float24%4%56accepted challenger▼−11Since October 2026: 35% → 24%, −11 points. Past the 10-point floor: movement.35% → 24%02
Cash Flow Frog20%0%41accepted challenger▲+4Since October 2026: 16% → 20%, +4 points. Inside the 10-point floor: within noise.16% → 20%
Cash Flow Frog20%0%41accepted challenger▲+4Since October 2026: 16% → 20%, +4 points. Inside the 10-point floor: within noise.16% → 20%03
Pulse13%0%26accepted challenger▲+9Since October 2026: 4% → 13%, +9 points. Inside the 10-point floor: within noise.4% → 13%
Pulse13%0%26accepted challenger▲+9Since October 2026: 4% → 13%, +9 points. Inside the 10-point floor: within noise.4% → 13%04
QuickBooks Cash Flow Planner9%18%28accepted challenger▲+9Since October 2026: 0% → 9%, +9 points. Inside the 10-point floor: within noise.0% → 9%
QuickBooks Cash Flow Planner9%18%28accepted challenger▲+9Since October 2026: 0% → 9%, +9 points. Inside the 10-point floor: within noise.0% → 9%05
Xero Cash Flow Forecasting6%12%16accepted challenger▼−1Since October 2026: 7% → 6%, −1 point. Inside the 10-point floor: within noise.7% → 6%
Xero Cash Flow Forecasting6%12%16accepted challenger▼−1Since October 2026: 7% → 6%, −1 point. Inside the 10-point floor: within noise.7% → 6%Show the six products at 0%, ordered by negative rate
11
Microsoft Excel0%73%15criticized challenger=heldSince October 2026: 0% → 0%, ±0 points. Inside the 10-point floor: within noise.0% → 0%
Microsoft Excel0%73%15criticized challenger=heldSince October 2026: 0% → 0%, ±0 points. Inside the 10-point floor: within noise.0% → 0%10
Anaplan0%70%10criticized challenger=heldSince October 2026: 0% → 0%, ±0 points. Inside the 10-point floor: within noise.0% → 0%
Anaplan0%70%10criticized challenger=heldSince October 2026: 0% → 0%, ±0 points. Inside the 10-point floor: within noise.0% → 0%09
Vena0%30%10criticized challenger=heldSince October 2026: 0% → 0%, ±0 points. Inside the 10-point floor: within noise.0% → 0%
Vena0%30%10criticized challenger=heldSince October 2026: 0% → 0%, ±0 points. Inside the 10-point floor: within noise.0% → 0%08
Jirav0%17%12accepted challenger=heldSince October 2026: 0% → 0%, ±0 points. Inside the 10-point floor: within noise.0% → 0%
Jirav0%17%12accepted challenger=heldSince October 2026: 0% → 0%, ±0 points. Inside the 10-point floor: within noise.0% → 0%06
Fathom0%0%26accepted challenger=heldSince October 2026: 0% → 0%, ±0 points. Inside the 10-point floor: within noise.0% → 0%
Fathom0%0%26accepted challenger=heldSince October 2026: 0% → 0%, ±0 points. Inside the 10-point floor: within noise.0% → 0%07
Dryrun0%0%18accepted challenger=heldSince October 2026: 0% → 0%, ±0 points. Inside the 10-point floor: within noise.0% → 0%
Dryrun0%0%18accepted challenger=heldSince October 2026: 0% → 0%, ±0 points. Inside the 10-point floor: within noise.0% → 0%The floor is 10 points of share, measured: how far the models move a leader on their own when the same questions are asked twice with nothing changed. A larger change is movement; a smaller one can't be told apart from repeat variation, and both are shown. Each index measures its own floor from its own repeat, over its own categories, so the floor differs from one index to the next. Both editions asked the same fourteen models. How the floor is measured
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.
Head to headHead-to-head pages are published for mid-market buyers, so these open on mid-market figures, not small business.
All twenty-eight head-to-head pages: the top eight products, each against each
Agicap vs Cash Flow FrogAgicap vs Prophix OneAgicap vs CentimeAgicap vs TesorioUpflow vs PulseUpflow vs DrivetrainUpflow vs Cash Flow FrogUpflow vs Prophix OneUpflow vs CentimeUpflow vs TesorioPulse vs DrivetrainPulse vs Cash Flow FrogPulse vs Prophix OnePulse vs CentimePulse vs TesorioDrivetrain vs Cash Flow FrogDrivetrain vs Prophix OneDrivetrain vs CentimeDrivetrain vs TesorioCash Flow Frog vs Prophix OneCash Flow Frog vs CentimeCash Flow Frog vs TesorioProphix One vs CentimeProphix One vs TesorioCentime vs Tesorio
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 →
0102030405060708091011Accepted challengerEndorsed leader
0%First-choice share → · lines at 30% share and 25% negative40%
Key
01Float24%
Float24%02Cash Flow Frog20%
Cash Flow Frog20%03Pulse13%
Pulse13%04QuickBooks Cash Flow Planner9%
QuickBooks Cash Flow Planner9%05Xero Cash Flow Forecasting6%
Xero Cash Flow Forecasting6%06Fathom0%
Fathom0%07Dryrun0%
Dryrun0%08Jirav0%
Jirav0%09Vena0%
Vena0%10Anaplan0%
Anaplan0%11Microsoft Excel0%
Microsoft Excel0%What they warned about
One of fourteen 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, Qwen 3.7 Flash, Kimi K2, GLM 4.7 FlashX, MiniMax M2.5, GPT-6 Luna and Muse Glimmer 30B 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 Excel73%
11 of 15 labels negative · 11 of 14 models · 3 hard negative
“Basic Spreadsheets (e.g., Excel or Google Sheets without Automation) - Why avoid or be cautious: These are prone to human errors” Grok 4.20, negative prompt
Google Sheets78%
7 of 9 labels negative · 7 of 14 models · 3 hard negative
“Basic Spreadsheets (e.g., Excel or Google Sheets without Automation) - Why avoid or be cautious: These are prone to human errors” Grok 4.20, negative prompt
Anaplan70%
7 of 10 labels negative · 6 of 14 models · 5 hard negative
“Small businesses should generally avoid or approach with caution the following categories of tools and specific software approaches” Gemini 3.5 Flash, negative prompt
QuickBooks Cash Flow Planner18%
5 of 28 labels negative · 5 of 14 models · 1 hard negative
“avoid tools with poor user adoption (like QuickBooks Cash Flow Planner in recent data)” Mistral Small, negative prompt
What they cite
Fourteen of the fourteen models returned a source list in this edition: five return the pages they cited and nine the search results they consulted.
Sites the answers cite
76 of 84 answers in this category came back with a source list, from 14 of 14 models: citations where the model returns them, or the search results it consulted. 780 links across 203 sites, every framing counted. Ranked by the number of answers carrying the site or page. 19 of the 252 answers across every segment cited this index's own page for the category; the method page measures whether that reading tilts an answer.
36 answers · 41 citations · 10 models
vendor site · Cash Flow Frog31 answers · 55 citations · 12 models
vendor site · Prophix31 answers · 35 citations · 10 models
vendor site · Drivetrain28 answers · 28 citations · 11 models
25 answers · 40 citations · 13 models
vendor site · Xero21 answers · 39 citations · 12 models
vendor site · Tesorio20 answers · 20 citations · 8 models
18 answers · 18 citations · 9 models
16 answers · 23 citations · 8 models
vendor site · Melio15 answers · 15 citations · 8 models
14 answers · 14 citations · 6 models
vendor site · Tidely13 answers · 13 citations · 7 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.
30 answers · 10 models
28 answers · 11 models
26 answers · 8 models
19 answers · 8 models
18 answers · 10 models
16 answers · 8 models
16 answers · 8 models
14 answers · 6 models
13 answers · 7 models
13 answers · 7 models
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 products | Share | Own site cited | Name searches, Google | AI search demand, est. | Organic visits | Paid search a month, est. | Google ads, last 30 days | Best Google position |
|---|---|---|---|---|---|---|---|---|
| Float floatapp.com | 24% | 120 | 60,500 | 177,387 | 11,199 | 2 | 2 | |
| Cash Flow Frog cashflowfrog.com | 20% | 68 | 320 | 1 | 9,412 | 2 | 5 | |
| Pulse pulseapp.com | 13% | 43 | 110,000 | 58,405 | 1,633 | |||
| QuickBooks parent site QuickBooks Cash Flow Planner 9% | 9% | 41 | 1,000,000 | 54,681 | ||||
| BILL bill.com | 9% | 374 | 2,740,000 | 1,063,001 | 1,783,039 | $199,231 | 119 | 6 |
| Xero Cash Flow xero.com Xero Cash Flow Forecasting 6%, Xero's Built-in Cash Flow Tool 2%, Xero Short Term Cash Flow Tool 0% | 7% | 23 | 20 | 1 | 1,200,289 | $500 | 119 | |
| Cash Flow Tool | 4% | |||||||
| Upflow upflow.io | 2% | 213 | 880 | 102 | 25,361 | |||
| Helm | 2% | |||||||
| Banktrack banktrack.com | 2% | 7 |
Google's top ten for the three searches hold 15 sites; 4 of them are among the sites the models cited here (cashflowfrog.com, drivetrain.ai, fathomhq.com, floatapp.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
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.
ShowHideModelDirect“What is the best cash flow forecasting software for a small B2B company?”Paraphrase“Which cash management tool would you recommend to a small business that sells to other businesses?”Comparative“What are the top cash forecasting tools for a small team and how do they differ?”Budget-constrained“What is the best cash flow forecasting software for a small company with a tight budget?”Scale-constrained“We are a 30 person company evaluating a cash flow forecasting software. What should we look at?”Negative“Which cash forecasting tools should a small business avoid or be cautious about?”
Claude Haiku 4.5FloatQuickBooks Cash Flow Planner, Xero Cash Flow ForecastingChangedagainst: Anaplan, BlackLine, KyribaFloatPulseno first choiceagainst: Drivetrain, Farseer, Microsoft Excel, Vena, Workday Adaptive Planning
Two alternatives
Cash Flow Frog, FathomThree alternatives
Bank of America, Chase, Wells FargoThree alternatives
Agicap, Cash Flow Frog, JiravThree alternatives
Cash Flow Frog, Fathom, FloatGPT-5.4 miniFloatagainst: Sage Intacct, TrovataBILLChangedFloatagainst: Agicap, JiravXero Cash Flow Forecastingno first choiceagainst: Google Sheets, Microsoft Excel
Two alternatives
QuickBooks Cash Flow Planner, Xero Cash Flow ManagerTwo alternatives
Float, UpflowFour alternatives
Cash Flow Frog, Dryrun, Fathom, PulseTwo alternatives
CashFlowTool, FloatGemini 3.5 FlashFloatFloat, HelmChangedCash Flow Frog, Floatagainst: Excel/Google Sheets, HighRadius, KyribaGoogle Sheets, Pulseno first choiceagainst: Anaplan, Google Sheets, HighRadius, Kyriba, Microsoft Excel, Oracle Hyperion, Workday Adaptive Planning
Four alternatives
Cash Flow Frog, Dryrun, Fathom, HelmFive alternatives
BILL, Melio, Mercury, QuickBooks Cash Flow Planner, RhoFive alternatives
Agicap, Jirav, Pulse, QuickBooks Cash Flow Planner, Xero Short-Term CashSix alternatives
Brixx, Cash Flow Frog, Float, Helm, QuickBooks Cash Flow Planner, Xero Cash Flow ForecastingEight alternatives
Agicap, Cube, Dryrun, Fathom, Float, Jirav, Mosaic, PulsePerplexity SonarFloatXero Cash Flow ForecastingChangedFathom, FloatCash Flow Frogagainst: Spreadsheetno first choiceagainst: Google Sheets, Microsoft Excel
Four alternatives
Chaser, G-CashFlow, Jirav, UpflowThree alternatives
BILL, Float, Tipalti TreasuryFive alternatives
Brixx, Cash Flow Frog, Dryrun, LivePlan, PulseOne alternative
FloatGrok 4.20Cash Flow FrogQuickBooks Cash Flow PlannerChangedCash Flow Frog, FloatCash Flow Frog, Xero's Built-in Cash Flow Toolagainst: Anaplan, Float, PlanGuru, Workday Adaptive Planningno first choiceagainst: ChatGPT-like models, Google Sheets, Microsoft Excel
Four alternatives
Drivetrain, Fathom, Vena, Xero's Built-in Cash Flow ToolFive alternatives
Banktrack, Cash Flow Frog, Float, Ramp, Xero Cash Flow ForecastingFour alternatives
Dryrun, Fathom, QuickBooks Cash Flow Planner, Xero Cash Flow Tool/ReportFour alternatives
Coefficient's Free Cash Flow Forecasting Tool, Dryrun, Pulse, QuickBooks Cash Flow PlannerMistral SmallCash Flow Frog, FloatQuickBooks Online with Cash Flow PlannerChangedCashFlowTool, FloatPulseno first choiceagainst: QuickBooks Cash Flow Planner, Spreadsheets
Three alternatives
Commitly, Tidely, Xero Short Term Cash Flow ToolTwo alternatives
Agicap, FloatFour alternatives
Banktrack, Fathom, LivePlan, Microsoft ExcelTwo alternatives
Cash Flow Frog, FloatEight alternatives
Agicap, Cashflowy, Dryrun, Fathom, Float, NetSuite Cash 360, Spotlight Reporting, Workday Adaptive PlanningDeepSeek V4 FlashCash Flow FrogQuickBooks Cash Flow PlannerChangedFathom, Floatagainst: JiravPulseFloatagainst: Anaplan, Board, GTreasury, Google Sheets, Helu, Kyriba, Lucanet, Microsoft Excel, OneStream, companyon
Three alternatives
Fathom, Float, PulseThree alternatives
Float, Melio, RhoTwo alternatives
Cash Flow Frog, PulseThree alternatives
Cash Flow Frog, Free Excel/Google Sheets Templates, Xero Built-In Cash Flow ToolThree alternatives
Cash Flow Frog, Fathom, Xero built-in cash flowLlama 4 Maverickno first choiceno first choiceHeldno first choicePulseno first choicenothing named
Two alternatives
Cash Flow Frog, FloatQwen 3.7 FlashCash Flow Frogagainst: Oracle NetSuite, VenaBILLChangedagainst: SquareFloatCash Flow FrogFloatagainst: Anaplan, Oracleagainst: Google Sheets, Microsoft Excel, Oracle, Oracle NetSuite
Four alternatives
Float, Jirav, QuickBooks Live Plan, Xero PlannerFour alternatives
Bluevine, Fundbox, Ramp, StripeFive alternatives
CashFlowTool, Dryrun, Fathom, Jirav, LivePlanTwo alternatives
Forevana, Xero Short Term Cash Flow ToolSix alternatives
Fathom, Kounta, PathQuest, Pentia, Synergysuite, VenaKimi K2Cash Flow FrogBILLChangedCash Flow Frog, Floatagainst: QuickBooks Cash Flow PlannerCash Flow Tool, PulseFloatagainst: Anaplan, Prophix One, Vena, Workday Adaptive Planningagainst: Anaplan, Microsoft Excel
Two alternatives
Float, PulseTwo alternatives
Melio, RampThree alternatives
Dryrun, Fathom, PulseThree alternatives
Cash Flow Frog, LivePlan, Xero Short Term Cash Flow ToolTwo alternatives
Cash Flow Frog, FathomGLM 4.7 FlashXFloatQuickBooks Cash Flow PlannerChangedFloatCash Flow Frog, Floatno first choiceagainst: Microsoft Excel, Prophix One, QuickBooks Cash Flow Planner, SAP Treasury and Risk Management, Xero Cash Flow Forecasting
Three alternatives
Cash Flow Frog, Fathom, FutrliTwo alternatives
Agicap, PeakfloTwo alternatives
Cash Flow Frog, DryrunThree alternatives
Pulse, QuickBooks cash‑flow tools, Xero’s built‑in cash‑flow reportMiniMax M2.5Cash Flow FrogBILL, ForwardlyChangedCash Flow Frogagainst: PNC Cash Flow Insight, U.S. Bank toolsCash Flow Frog, Cash Flow Toolno first choiceagainst: Google Sheets, Microsoft Excel
Three alternatives
Cash Flow Tool, Fathom, Xero Short Term Cash Flow ToolTwo alternatives
QuickBooks Cash Flow Planner, RampFive alternatives
Fathom, Float, LivePlan, QuickBooks Cash Flow Planner, Xero Cash Flow ForecastingOne alternative
Xero Short Term Cash Flow ToolGPT-6 LunaFloatBILLChangedPulseQuickBooks Cash Flow Plannerno first choiceagainst: QuickBooks Cash Flow Planner
One alternative
Cash Flow FrogOne alternative
FloatFive alternatives
Cash Flow Frog, Dryrun, Fathom, Float, QuickBooks Cash Flow PlannerOne alternative
PulseMuse Glimmer 30BFloatChaser, UpflowChangedCash Flow Frog, FloatBanktrack, Pulseno first choiceagainst: Board, Float, Helu, Lucanet, Microsoft Excel, QuickBooks Cash Flow Planner, Xero Cash Flow Forecasting, companyon
Three alternatives
Cash Flow Frog, Tesorio, UpflowFour alternatives
Gaviti, QuickBooks Cash Flow Planner, Resolve Pay, Xero Cash Flow ForecastingFour alternatives
Dryrun, Fathom, G-CashFlow, PulseThree alternatives
Cash Flow Frog, Float, Xero Short Term Cash Flow ToolBold 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.
Eighty-four rows: every prompt, every model, every answer.
| Prompt | Model | Version string | Time (UTC) | Searched | Sources | Latency |
|---|---|---|---|---|---|---|
| Direct recommendation | Claude Haiku 4.5 | claude-haiku-4-5-20251001 | 2026-11-01 08:49 | yes | 10 | 8 s |
| Direct recommendation | GPT-5.4 mini | gpt-5.4-mini-2026-03-17 | 2026-11-01 11:46 | yes | 3 | 4 s |
| Direct recommendation | Gemini 3.5 Flash | gemini-3.6-flash (asked for gemini-3.5-flash; the API answered as this version) | 2026-11-01 11:10 | yes | 7 | 19 s |
| Direct recommendation | Perplexity Sonar | sonar | 2026-11-01 13:00 | yes | 10 | 4 s |
| Direct recommendation | Grok 4.20 | spacexai/grok-4.20-non-reasoning via xai | 2026-11-01 13:12 | yes | 8 | 26 s |
| Direct recommendation | Mistral Small | mistral/mistral-small via mistral | 2026-11-01 12:03 | yes | 5 | 5 s |
| Direct recommendation | DeepSeek V4 Flash | deepseek/deepseek-v4-flash via deepinfra | 2026-11-01 09:32 | yes | 22 | 27 s |
| Direct recommendation | Llama 4 Maverick | meta/llama-4-maverick via bedrock | 2026-11-01 09:24 | yes | 5 | 2 s |
| Direct recommendation | Qwen 3.7 Flash | alibaba/qwen3.7-flash via alibaba | 2026-11-01 12:19 | yes | 5 | 29 s |
| Direct recommendation | Kimi K2 | moonshotai/kimi-k2 via novita | 2026-11-01 10:53 | yes | 10 | 20 s |
| Direct recommendation | GLM 4.7 FlashX | zai/glm-4.7-flashx via zai | 2026-11-01 11:40 | yes | 24 | 164 s |
| Direct recommendation | MiniMax M2.5 | minimax/minimax-m2.5 via minimax | 2026-11-01 11:06 | yes | 5 | 15 s |
| Direct recommendation | GPT-6 Luna | gpt-6-luna | 2026-11-01 09:30 | yes | 2 | 16 s |
| Direct recommendation | Muse Glimmer 30B | meta/muse-glimmer-30b via togetherai | 2026-11-01 08:39 | yes | 11 | 16 s |
| Paraphrase | Claude Haiku 4.5 | claude-haiku-4-5-20251001 | 2026-11-01 12:53 | no | 0 | 5 s |
| Paraphrase | GPT-5.4 mini | gpt-5.4-mini-2026-03-17 | 2026-11-01 12:49 | yes | 5 | 4 s |
| Paraphrase | Gemini 3.5 Flash | gemini-3.6-flash (asked for gemini-3.5-flash; the API answered as this version) | 2026-11-01 09:22 | no | 0 | 12 s |
| Paraphrase | Perplexity Sonar | sonar | 2026-11-01 08:39 | yes | 10 | 3 s |
| Paraphrase | Grok 4.20 | spacexai/grok-4.20-non-reasoning via xai | 2026-11-01 13:15 | yes | 5 | 23 s |
| Paraphrase | Mistral Small | mistral/mistral-small via mistral | 2026-11-01 09:38 | yes | 5 | 5 s |
| Paraphrase | DeepSeek V4 Flash | deepseek/deepseek-v4-flash via deepinfra | 2026-11-01 10:15 | yes | 24 | 30 s |
| Paraphrase | Llama 4 Maverick | meta/llama-4-maverick via bedrock | 2026-11-01 08:39 | yes | 5 | 3 s |
| Paraphrase | Qwen 3.7 Flash | alibaba/qwen3.7-flash via alibaba | 2026-11-01 11:13 | no | 0 | 25 s |
| Paraphrase | Kimi K2 | moonshotai/kimi-k2 via novita | 2026-11-01 08:39 | yes | 14 | 21 s |
| Paraphrase | GLM 4.7 FlashX | zai/glm-4.7-flashx via zai | 2026-11-01 09:28 | yes | 10 | 31 s |
| Paraphrase | MiniMax M2.5 | minimax/minimax-m2.5 via minimax | 2026-11-01 12:00 | yes | 5 | 18 s |
| Paraphrase | GPT-6 Luna | gpt-6-luna | 2026-11-01 09:33 | yes | 2 | 12 s |
| Paraphrase | Muse Glimmer 30B | meta/muse-glimmer-30b via togetherai | 2026-11-01 09:51 | yes | 15 | 18 s |
| Comparative | Claude Haiku 4.5 | claude-haiku-4-5-20251001 | 2026-11-01 12:10 | yes | 9 | 10 s |
| Comparative | GPT-5.4 mini | gpt-5.4-mini-2026-03-17 | 2026-11-01 09:21 | yes | 5 | 8 s |
| Comparative | Gemini 3.5 Flash | gemini-3.6-flash (asked for gemini-3.5-flash; the API answered as this version) | 2026-11-01 08:39 | yes | 10 | 23 s |
| Comparative | Perplexity Sonar | sonar | 2026-11-01 12:33 | yes | 10 | 4 s |
| Comparative | Grok 4.20 | spacexai/grok-4.20-non-reasoning via xai | 2026-11-01 13:26 | yes | 9 | 33 s |
| Comparative | Mistral Small | mistral/mistral-small via mistral | 2026-11-01 09:53 | yes | 5 | 6 s |
| Comparative | DeepSeek V4 Flash | deepseek/deepseek-v4-flash via deepinfra | 2026-11-01 10:43 | yes | 23 | 29 s |
| Comparative | Llama 4 Maverick | meta/llama-4-maverick via bedrock | 2026-11-01 11:27 | yes | 5 | 2 s |
| Comparative | Qwen 3.7 Flash | alibaba/qwen3.7-flash via alibaba | 2026-11-01 10:12 | yes | 5 | 27 s |
| Comparative | Kimi K2 | moonshotai/kimi-k2 via novita | 2026-11-01 12:04 | yes | 20 | 49 s |
| Comparative | GLM 4.7 FlashX | zai/glm-4.7-flashx via zai | 2026-11-01 08:51 | yes | 25 | 49 s |
| Comparative | MiniMax M2.5 | minimax/minimax-m2.5 via minimax | 2026-11-01 12:24 | yes | 10 | 30 s |
| Comparative | GPT-6 Luna | gpt-6-luna | 2026-11-01 10:59 | yes | 6 | 25 s |
| Comparative | Muse Glimmer 30B | meta/muse-glimmer-30b via togetherai | 2026-11-01 10:30 | yes | 14 | 32 s |
| Budget constrained | Claude Haiku 4.5 | claude-haiku-4-5-20251001 | 2026-11-01 09:11 | yes | 10 | 7 s |
| Budget constrained | GPT-5.4 mini | gpt-5.4-mini-2026-03-17 | 2026-11-01 09:47 | yes | 3 | 4 s |
| Budget constrained | Gemini 3.5 Flash | gemini-3.6-flash (asked for gemini-3.5-flash; the API answered as this version) | 2026-11-01 11:34 | yes | 10 | 19 s |
| Budget constrained | Perplexity Sonar | sonar | 2026-11-01 09:30 | yes | 10 | 3 s |
| Budget constrained | Grok 4.20 | spacexai/grok-4.20-non-reasoning via xai | 2026-11-01 13:09 | yes | 24 | 38 s |
| Budget constrained | Mistral Small | mistral/mistral-small via mistral | 2026-11-01 10:06 | yes | 5 | 4 s |
| Budget constrained | DeepSeek V4 Flash | deepseek/deepseek-v4-flash via deepinfra | 2026-11-01 10:43 | yes | 24 | 18 s |
| Budget constrained | Llama 4 Maverick | meta/llama-4-maverick via bedrock | 2026-11-01 09:56 | yes | 5 | 3 s |
| Budget constrained | Qwen 3.7 Flash | alibaba/qwen3.7-flash via alibaba | 2026-11-01 12:32 | yes | 15 | 53 s |
| Budget constrained | Kimi K2 | moonshotai/kimi-k2 via novita | 2026-11-01 09:14 | yes | 9 | 50 s |
| Budget constrained | GLM 4.7 FlashX | zai/glm-4.7-flashx via zai | 2026-11-01 10:11 | yes | 14 | 59 s |
| Budget constrained | MiniMax M2.5 | minimax/minimax-m2.5 via minimax | 2026-11-01 08:46 | yes | 5 | 20 s |
| Budget constrained | GPT-6 Luna | gpt-6-luna | 2026-11-01 12:24 | yes | 3 | 11 s |
| Budget constrained | Muse Glimmer 30B | meta/muse-glimmer-30b via togetherai | 2026-11-01 12:00 | yes | 12 | 16 s |
| Scale constrained | Claude Haiku 4.5 | claude-haiku-4-5-20251001 | 2026-11-01 09:16 | no | 0 | 6 s |
| Scale constrained | GPT-5.4 mini | gpt-5.4-mini-2026-03-17 | 2026-11-01 10:50 | no | 0 | 5 s |
| Scale constrained | Gemini 3.5 Flash | gemini-3.6-flash (asked for gemini-3.5-flash; the API answered as this version) | 2026-11-01 11:19 | no | 0 | 17 s |
| Scale constrained | Perplexity Sonar | sonar | 2026-11-01 12:19 | yes | 10 | 9 s |
| Scale constrained | Grok 4.20 | spacexai/grok-4.20-non-reasoning via xai | 2026-11-01 13:18 | yes | 5 | 40 s |
| Scale constrained | Mistral Small | mistral/mistral-small via mistral | 2026-11-01 12:53 | no | 0 | 5 s |
| Scale constrained | DeepSeek V4 Flash | deepseek/deepseek-v4-flash via deepinfra | 2026-11-01 12:11 | yes | 18 | 24 s |
| Scale constrained | Llama 4 Maverick | meta/llama-4-maverick via bedrock | 2026-11-01 12:04 | yes | 5 | 2 s |
| Scale constrained | Qwen 3.7 Flash | alibaba/qwen3.7-flash via alibaba | 2026-11-01 10:48 | yes | 5 | 23 s |
| Scale constrained | Kimi K2 | moonshotai/kimi-k2 via novita | 2026-11-01 11:43 | yes | 10 | 17 s |
| Scale constrained | GLM 4.7 FlashX | zai/glm-4.7-flashx via zai | 2026-11-01 08:43 | yes | 14 | 48 s |
| Scale constrained | MiniMax M2.5 | minimax/minimax-m2.5 via minimax | 2026-11-01 09:24 | no | 0 | 22 s |
| Scale constrained | GPT-6 Luna | gpt-6-luna | 2026-11-01 10:05 | yes | 1 | 13 s |
| Scale constrained | Muse Glimmer 30B | meta/muse-glimmer-30b via togetherai | 2026-11-01 11:12 | yes | 12 | 19 s |
| Negative framing | Claude Haiku 4.5 | claude-haiku-4-5-20251001 | 2026-11-01 11:49 | yes | 18 | 9 s |
| Negative framing | GPT-5.4 mini | gpt-5.4-mini-2026-03-17 | 2026-11-01 12:17 | yes | 6 | 6 s |
| Negative framing | Gemini 3.5 Flash | gemini-3.6-flash (asked for gemini-3.5-flash; the API answered as this version) | 2026-11-01 10:38 | yes | 9 | 19 s |
| Negative framing | Perplexity Sonar | sonar | 2026-11-01 11:14 | yes | 10 | 4 s |
| Negative framing | Grok 4.20 | spacexai/grok-4.20-non-reasoning via xai | 2026-11-01 13:21 | yes | 14 | 27 s |
| Negative framing | Mistral Small | mistral/mistral-small via mistral | 2026-11-01 11:43 | yes | 5 | 5 s |
| Negative framing | DeepSeek V4 Flash | deepseek/deepseek-v4-flash via deepinfra | 2026-11-01 09:46 | yes | 24 | 31 s |
| Negative framing | Llama 4 Maverick | meta/llama-4-maverick via bedrock | 2026-11-01 08:48 | yes | 5 | 3 s |
| Negative framing | Qwen 3.7 Flash | alibaba/qwen3.7-flash via alibaba | 2026-11-01 10:23 | yes | 10 | 33 s |
| Negative framing | Kimi K2 | moonshotai/kimi-k2 via novita | 2026-11-01 09:01 | yes | 14 | 44 s |
| Negative framing | GLM 4.7 FlashX | zai/glm-4.7-flashx via zai | 2026-11-01 12:53 | yes | 23 | 50 s |
| Negative framing | MiniMax M2.5 | minimax/minimax-m2.5 via minimax | 2026-11-01 10:43 | yes | 13 | 40 s |
| Negative framing | GPT-6 Luna | gpt-6-luna | 2026-11-01 10:55 | yes | 3 | 16 s |
| Negative framing | Muse Glimmer 30B | meta/muse-glimmer-30b via togetherai | 2026-11-01 10:16 | yes | 14 | 20 s |
Normalization in this category
Every judgment call made between the raw labels and the numbers above, listed so it is visible and reversible.
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Category-scoped readings
Bill.com read as BILL
Excel read as Microsoft Excel
NetSuite read as Oracle NetSuite
Prophix read as Prophix One
QuickBooks read as QuickBooks Cash Flow Planner
QuickBooks Advanced read as QuickBooks Cash Flow Planner
QuickBooks Cash Flow read as QuickBooks Cash Flow Planner
QuickBooks Online read as QuickBooks Cash Flow Planner
QuickBooks Online (+ Cash Flow Planner) read as QuickBooks Cash Flow Planner
SAP read as SAP Treasury and Risk Management
Vena Solutions read as Vena
Workday read as Workday Adaptive Planning
Xero read as Xero Cash Flow Forecasting
Xero Short-Term Cash Flow read as Xero Short Term Cash Flow Tool
Unresolved, counted raw
ChatGPT-like models
Coefficient's Free Cash Flow Forecasting Tool
Datarails Cash
Expensify templates
Firmbee
FocusCFO
Free Excel/Google Sheets Templates
Holdings
NetSuite Cash 360
PNC Cash Flow Insight
Panax Tech
PathQuest
Pentia
QuickBooks Live Plan
QuickBooks Online with Cash Flow Planner
QuickBooks cash‑flow tools
Square Cash
Synergysuite
Tipalti Treasury
U.S. Bank tools
Xero Built-In Cash Flow Tool
Xero Cash Flow Manager
Xero Cash Flow Tool/Report
Xero Planner
Xero Short-Term Cash
Xero built-in cash flow
Xero’s built‑in cash‑flow report
Discontinued, still offered
No shut-down product was recommended here.