Software advice
Best AI Cash Flow Forecasting Software in 2026
AI cash flow forecasting software is a web application that connects to a company's accounting system or bank accounts and projects incoming and outgoing cash over weeks or months, with scenarios and, in some products, AI that drafts forecasts or lets an outside assistant edit them. It is not a full treasury system, a bookkeeping package or a corporate planning suite.
Quick answer
Commitly ranks first for printed prices, named AI features with human approval and Frankfurt hosting. Float fits UK Xero and QuickBooks users who want a 13-week view. Okimia fits French companies that want AI forecasting and bank tools together.
A small-business owner or finance lead choosing a forecasting tool usually has an accounting package, a bank balance that surprises them and a lender or investor asking for a 13-week view. The vendors now mention AI, but the pages differ on what it does: some draft the forecast, some let an assistant such as Claude edit it, and several name nothing. This ranking weighs printed prices, AI features the vendor actually names, stated data location and certifications, and how well the product fits a company with one to a few entities. It leaves out enterprise treasury and planning suites, which have their own pages. We read vendor pages in November 2026 and did not run the tools.
The 11 best AI cash flow forecasting software in 2026, ranked
There is no score. Vendors can pay for more visibility on this website, for example a higher place in a ranking or more room on a page. Commercial relationships can also affect which products we feature and how prominently. How we rank.
| # | Tool | Best for | Free plan | Entry price |
|---|---|---|---|---|
| 1 | Commitly | German-speaking small businesses that want a rolling forecast, DATEV links and approval-gated AI | Trial | EUR 55 per month, excluding VAT |
| 2 | Float | UK and Xero or QuickBooks businesses that want a 13-week view with printed plan prices | Trial | From £99 per month, excluding VAT |
| 3 | Okimia (formerly Fygr) | French small companies that want forecasting with AI plus bank, payment and card tools in one place | Trial | 69 EUR per month, excluding VAT |
| 4 | Cash Flow Frog | Owner-managed businesses that want to adjust a 36-month forecast by chatting with an AI assistant | No | $33 per month, early-bird price |
| 5 | Agicap | Mid-size companies that want a stated Belgian data location and ISO 27001 with an AI connection to Claude | Trial | Quoted |
| 6 | Fathom | Accountants and advisers who run forecasts for a client portfolio and need AI commentary on reports | Trial | $67 per month, billed monthly |
| 7 | Tidely | German companies that want bank, ERP and card data merged with an AI-generated forecast | Trial | Quoted |
| 8 | Futrli | Small firms and accounting practices that want daily forecasting and 3-way modelling on every plan | Trial | $40 per month, excluding VAT |
| 9 | Brixx | Startups and owner-run businesses that want a cheap, visual cash plan and no AI claims | No | $25 per month, or $240 per year |
| 10 | Dryrun | Companies on Sage Intacct, NetSuite or Business Central that want multi-entity scenario planning | No | Quoted |
| 11 | Castaway | Advisers and finance staff who want three-way forecasting with Australian data storage | Trial | Quoted |
- 1
Commitly takes first place because it is the only product here that prints four tiers, names its AI features and states where data sits. COMMITLY AI and the AI Connect MCP server only change a plan after a person approves it, and servers are in Frankfurt. The weak spots are a DACH bank focus, an AI add-on on the two cheapest tiers and a trial that needs an EU or Swiss business account.
Strong on
- Prices for Basis, Business and Professional are printed, with Enterprise on quote
- Platform data sits on dedicated servers in AWS Frankfurt, per the privacy page
- AI Connect lets Claude or ChatGPT add scenarios, applied only after approval
Weak on
- AI Connect is a paid add-on on Basis and Business
- Free trial requires an EU or Swiss company bank account
Skip it if: Companies outside Germany, Austria and Switzerland, since the named bank and accounting links are DATEV, lexoffice and German PSD2 banks. Basis on monthly billing for 1 company and 1 user. The AI and MCP server is an add-on until Professional.
- 2
Float ranks second. Its Growth and Scale prices are printed, the scenario and 13-week features are clearly described and the bank link runs through Xero or QuickBooks Online. The pages opened name no AI capability, which is why it sits behind Commitly in an AI-focused ranking. Multi-entity consolidation needs Scale, and the hosting region and certifications are not stated.
Strong on
- Growth and Scale list monthly and annual prices, with unlimited users
- Scenarios can switch income and costs on or off and price new hires
- Monthly, 13-week and weekly views, with the monthly view reaching three years
Weak on
- No AI capability is described on the pricing or home page
- Hosting region and certifications are not stated on the pages opened
Skip it if: Teams that need native bank feeds, since banks connect only through Xero or QuickBooks Online. The Small Business plan is for companies under £2m revenue; its contents were not shown on the pricing page.
- 3
Okimia is third because its plan cards state caps in plain numbers (banks, transactions, users, scenarios) and put AI forecasting on both priced tiers. It also offers an MCP server for outside agents. It loses ground on data: hosting, retention and certifications were not stated on the pages opened, and the site is in French. Payments and cards are quote only.
Strong on
- Starter and Pro both list forecasting with AI, with 3 and 5 scenarios
- Starter and Pro caps on banks, transactions and users are printed
- An MCP server is named for connecting AI agents
Weak on
- Starter allows 1 user, 2 banks and 3,000 transactions
- Hosting region, retention and certifications were not stated
Skip it if: Teams that need legal pages and sales material in English or want a stated data region before a trial. Starter for companies up to 2 M EUR revenue, with 1 user and 2 banks. Monthly and annual selector shown.
- 4
Cash Flow Frog is fourth. Its AI Connector lets Claude, ChatGPT, Copilot, Gemini or another MCP agent change the forecast by conversation, and the entry price is the lowest of the AI-labeled tools. Only one tier is visible, the price scales with revenue, and the trial length is not stated. An ISO 27001 compliance line is in the privacy policy.
Strong on
- AI Connector works with several assistants through MCP
- Customer insights rank clients by collection speed and punctuality
- Entry tier covers up to 10 users and 36 months
Weak on
- Only one tier is visible and price depends on annual revenue
- Hosting region and model-training use are not stated
Skip it if: Businesses above $1M revenue that need a published price, since only the first revenue tier is shown. Pro Tier 1 for businesses up to $1M revenue; price rises with revenue. The page strikes through $55.
- 5
Agicap ranks fifth. Its security page is the most specific here: financial data in Google Cloud in Belgium, ISO 27001:2022 and a statement that customer data is not used to train AI models. Forecasts use receivables timing based on each customer's DSO. The cost is opacity, since there are no prices and the contract runs at least 12 months. Agicap AI is named but its mechanics are not described.
Strong on
- Security page states Belgian hosting, ISO 27001:2022 and no AI model training on customer data
- Receivables forecasts are refined using each customer's actual days sales outstanding
- Existing spreadsheet forecast models can be imported rather than rebuilt from scratch
Weak on
- No prices published and the minimum term is 12 months
- The AI forecast mechanics page was not readable
Skip it if: Small teams that want to see a price and cancel monthly before committing. No amounts are published, subscriptions run at least 12 months and the trial length is not stated.
- 6
Fathom sits sixth because it is built for advisers, not for a company forecasting its own cash. Pro at $450 a month includes three-way cash flow, scenarios, consolidations and an AI Commentary Writer, and the integration list is wide. A single business pays that price for features it may not need. Certifications are not named, and Azure is the host without a region.
Strong on
- Pro adds three-way cash flow, budgets, scenarios and multi-currency consolidations
- AI Commentary Writer drafts report commentary with full number visibility
- Integrations include Xero, QuickBooks, MYOB, FreeAgent and Sage
Weak on
- The $67 Portfolio plan lacks three-way cash flow
- Each company above 25 on Pro costs $17 a month
Skip it if: A single company wanting its own cash forecast, because the pricing is built around client portfolios. Portfolio plan for 100 companies. Three-way cash flow forecasting needs Pro at $450 a month for 25 companies.
- 7
Tidely is seventh. Auto Forecast is named as an AI-generated forecast, banks, EBICS, PayPal and card providers feed one liquidity view, and the homepage says the product is hosted in Germany. Without prices, tier contents or a readable privacy document, a buyer cannot compare it with those above. The 7-day trial is the way to find out what Starter holds.
Strong on
- Auto Forecast is named on the homepage as an AI-generated forecast
- Banks, EBICS, PayPal and card providers feed one liquidity view
- Homepage states the product is developed and hosted in Germany
Weak on
- No prices or tier contents appear on the pages opened
- The privacy PDF returned no readable text, so retention is unverified
Skip it if: Buyers who need a price list or retention terms before a trial. Starter and Professional are named, with no amounts. A 7-day trial needs no credit card.
- 8
Futrli is eighth. Every one of its tiers has the same feature set, including daily cash flow forecasting, 3-way forecasting and scenario modelling, and the per-licence price steps down as a practice grows. The pages opened name no AI capability beyond a single webinar mention, the security and privacy pages were unreadable, and the currency labels conflict.
Strong on
- All tiers include 3-way forecasting and scenario modelling
- Per-licence price falls from $40 to $11 as licence bands grow
- HR forecasting projects new starters' salaries and payroll taxes
Weak on
- No AI capability is described in the forecasting features, only a webinar mention
- Privacy and security pages returned 404 when opened
Skip it if: Buyers who need a stated hosting region or certification, since neither could be read. Single plan for 1 to 5 licences. The page shows conflicting currency labels, so confirm before quoting.
- 9
Brixx is ninth. It is the cheapest product here, with three printed tiers, drag-and-drop timing and best-case against worst-case plans. It is a planning tool, not a feed of live bank data: Xero is the only named integration, no AI feature is named and no certifications are stated. It suits a founder building a first forecast by hand.
Strong on
- Three tiers at $25, $50 and $75, with all features on each
- Drag-and-drop timing moves sales, hires or costs and updates the forecast
- A cash flow report is generated directly from the plan
Weak on
- Plan counts and forecast length are capped by tier, from 1 plan to 5
- Xero is the only integration named on the pages opened
Skip it if: Finance teams that want live multi-bank cash positions or any named AI feature. Foundations allows 1 plan and a one-year forecast. The page shows a dollar sign without a currency code.
- 10
Dryrun ranks tenth. Its named integrations (Sage Intacct, NetSuite, Business Central, QuickBooks, Xero) are broader than most, and it consolidates entities and currencies for multi-company groups. The pages opened publish no prices or security detail, and its automation features are not described as AI. A buyer has to book a demo to learn the cost.
Strong on
- Connects to Sage Intacct, NetSuite, Business Central and Intuit Enterprise Suite
- Consolidates multiple entities and currencies in one forecast
- Scenario planning covers hires, projects and purchases before they are committed
Weak on
- No prices, plans or trial length appear on the pages opened
- The security page returned 404 when opened, so data handling is unverified
Skip it if: Buyers who want self-serve pricing, a stated trial length or documented AI forecasting. No prices on the home page, the pricing URL returned 404 and a demo is the route to a quote.
- 11
Castaway closes the ranking. Three-way cash flow forecasting, scenario modelling and dashboards are described, and the privacy policy states that personal information is stored in Australia. No AI feature is named, the pricing and features pages returned 404 and the only integration named is Xero, in a testimonial. It is a forecasting tool with little to compare.
Strong on
- Three-way cash flow forecasting delivered as a cloud app, per the home page
- Privacy policy states personal information is stored in Australia
- Scenario modelling in a few clicks plus customizable dashboards and storyboards for reporting
Weak on
- No prices or tiers appear on the pages opened
- The integration list could not be read, since the features page returned 404
Skip it if: Teams that need AI forecasting, a price list or a documented integration list. No amounts or tiers on the home page and the pricing page returned 404. A free trial button exists.
How these AI cash flow forecasting software were judged
Which cash flow tools actually use AI in the forecast?
Only some do. Commitly lists AI Insights, Smart Planning and Advisory, applied only after approval. Okimia lists forecasting with AI on Starter and Pro, with 3 and 5 scenarios. Tidely names Auto Forecast as an AI-generated forecast, and Fathom names an AI Commentary Writer for reports. Cash Flow Frog and Agicap connect assistants such as Claude, while Agicap's page does not describe how its forecast works. Float, Futrli, Brixx, Dryrun and Castaway name no AI feature on the pages we read. Test any claim by feeding in twelve months of your own history and comparing the forecast with what happened next.
What does cash flow forecasting software cost for a small business?
Entry prices run from about $25 to $100 a month before taxes, as of November 2026. Brixx starts at $25, Cash Flow Frog at $33 early-bird, Futrli at $40 and Commitly at EUR 55. Okimia lists 69 EUR, Float lists from £99, and Fathom Pro is $450 for 25 companies. Agicap, Tidely, Dryrun and Castaway publish no amounts. Watch the add-ons: Commitly charges extra for its AI and MCP server below Professional, Float needs Scale for multi-entity, and Agicap runs minimum 12-month terms. Compare the tier that holds the forecast length and entity count you need, not the headline price.
Where does a cash forecasting tool store your bank and invoice data?
Few vendors answer fully. Agicap states Google Cloud in Belgium, ISO 27001:2022 and no use of customer data to train AI models. Commitly states AWS Frankfurt, Tidely says hosting in Germany and Castaway states storage in Australia. Cash Flow Frog states ISO 27001 compliance in its privacy policy. Float, Fathom, Okimia, Brixx and Futrli did not state a region on pages we read, and training use is unstated for most. Because these tools see bank balances and customer invoices, request a data processing agreement and the AI provider list in writing before connecting accounts.
How hard is it to move a forecast to another tool?
Forecast logic is the part that does not move. Most products export reports or spreadsheets, and Brixx exports PDF, PNG and Excel, Float offers CSV and PDF, and Agicap and Dryrun import spreadsheet models. Scenarios, formulas and forecast rules rarely carry across, so a switch means rebuilding assumptions. Agicap's 12-month minimum term and Commitly's 12 and 24-month discount terms add a calendar cost. Connections to Xero, QuickBooks or banks are re-authorized at the new vendor in minutes, while history and variance records stay behind. Export your actuals and scenario tables before the trial ends so a replacement can be tested against them.
Which cash flow forecasting tool fits your company?
Match the tool to your accounting system and country. A UK business on Xero or QuickBooks fits Float or Futrli. A German-speaking company on DATEV or lexoffice fits Commitly or Tidely. French teams look at Okimia, and Agicap fits mid-size groups that accept a quote and a 12-month term. Owners who want a conversational interface look at Cash Flow Frog. Accountants running many clients fit Fathom, and finance teams on Sage Intacct or NetSuite look at Dryrun. A founder drafting a first plan by hand fits Brixx. Count entities and banks first, because limits sit there.
How to choose an AI cash flow forecasting software in three steps
- List your accounting system, banks and entities. Write down the accounting package, the number of bank accounts and the number of legal entities before you open any trial. Float connects to banks only through Xero or QuickBooks Online, Okimia caps Starter at 2 banks and 1 entity, and Fathom prices by company count. A tool that cannot read your accounting file or your bank leaves you typing numbers by hand, which defeats the point. Check the named integration list rather than the generic claim, and confirm that your country's banks are covered.
- Replay one past quarter through the forecast. Load twelve months of actuals into each trial and ask for the forecast that would have been made at the start of the last quarter. Compare it with what happened, especially late customer payments and tax dates. Agicap says receivables are adjusted by each customer's DSO and Cash Flow Frog ranks customers by punctuality, so test whether those signals change the outcome. Where AI is named, ask the vendor which model provider reads your invoices, and whether the assistant can change the plan without approval.
- Read the term, the add-ons and the exit. Before paying, confirm the billing term, the tier that holds your entity count and the cost of any AI add-on. Agicap sells 12-month minimums, Commitly bills AI separately below Professional, and Futrli's page shows conflicting currency labels, so ask which currency applies to you. Ask what is deleted at cancellation, because Float's terms state account data is deleted within 90 days in the ordinary course. Export a forecast and its actuals from the trial to see what a future move would take with it.
Frequently asked questions
What is the best AI cash flow forecasting software in 2026?
Commitly ranks first here because it prints four tiers, names its AI features, applies AI changes only after approval and states Frankfurt hosting. Float is the pick for UK Xero and QuickBooks users who want a 13-week view, and Okimia suits French companies that want AI forecasting plus bank and payment tools.
Does AI cash flow forecasting replace a finance person?
No. Commitly states that AI suggestions are not applied until approved, and Cash Flow Frog describes changing the forecast by chat, not replacing a review. Someone still has to judge late payers, tax dates and one-off deals the history does not show. Expect AI to save data entry and scenario setup, not accountability.
Which cash flow forecasting tool is cheapest?
Brixx is cheapest at $25 a month, or $240 a year, with one plan and a one-year forecast. Cash Flow Frog lists $33 early-bird and Futrli $40, as of November 2026. Brixx names no AI feature, so the cheapest AI-labeled option on printed prices is Cash Flow Frog, with Okimia at 69 EUR.
Can I connect Claude or ChatGPT to my cash flow forecast?
Yes in a few products. Cash Flow Frog names Claude, ChatGPT, Copilot and Gemini through an AI Connector, Commitly offers an AI Connect MCP server for Claude and ChatGPT, and Okimia names an MCP server. Agicap says it connects liquidity to Claude. Check which plan includes the connection, since Commitly sells it as an add-on below Professional.
Which forecasting tools state where data is hosted?
Agicap states Google Cloud in Belgium, Commitly states AWS Frankfurt, Tidely states Germany and Castaway states Australia. Fathom names Microsoft Azure without a region. Float, Okimia, Brixx, Futrli, Dryrun and Cash Flow Frog did not state a region on pages we read, so ask for the data processing agreement.
Do I need a 13-week cash flow forecast?
Lenders and boards often ask for one, and Float, Commitly and Agicap list a 13-week view. Float also shows weekly and monthly views reaching three years, while Brixx works month by month and Futrli lists daily forecasting. If your cash is tight, choose a tool that updates weekly from bank data, not a monthly plan.
How is this different from AI treasury or FP&A software?
Cash forecasting tools focus on a single question: how much cash will we have in the coming weeks and months. Treasury systems add payments, bank connectivity at scale and risk, and FP&A suites cover budgets, P&L and board reporting. Many small firms need only the first. The site ranks the other two types on their own pages.
Is there a free cash flow forecasting plan?
None of the products ranked here lists a permanent free plan on the pages we read. Float, Okimia, Commitly, Tidely and Fathom offer free trials of 7 to 14 days, and Futrli offers 14 days. Brixx and Dryrun state no trial length. Use the trial with real data, not a sample company, to judge the forecast.