The best-known European names here, Agicap and Float among them, are covered in our budgeting and planning guides, so this list ranks what is left on its own merits.
The model matters less than the bank connection: this guide ranks on which banks a product actually reads, how long setup takes, and how the data leaves.
Vendors can pay for visibility on this page. It never changes what an entry
says about a product, including the criticism, and we earn nothing when you click through to a
vendor. How that works.
In short
What cash flow forecasting software does
Cash flow forecasting software projects the money in your bank accounts weeks or months ahead, using bank transactions, unpaid invoices and planned costs rather than accounting profit.
Five things, in this order. Feature counts are not among them: they are the least useful
comparison in software, because every vendor ticks every box.
01
Setup effort in cash flow forecasting software
What the first ninety days of a cash flow forecasting software rollout cost in hours, not in licence fees. A product that needs a partner engagement before it does anything is a different purchase from one a team configures in an afternoon.
02
What cash flow forecasting software really costs
What the bill becomes once the modules a normal buyer of cash flow forecasting software needs are added, and whether you can read that number without a sales conversation.
03
Getting your data out of cash flow forecasting software
How your own data comes back out, in what format, and whether that export is included in the cash flow forecasting software contract or billed as a project.
04
Independence from the vendor
Whether you can buy cash flow forecasting software, run it and leave it on your own terms. This test decides most of the order on this page, and it is why the largest vendors in cash flow forecasting software often sit below the smaller ones.
05
Who the product is built for
The size and shape of company each cash flow forecasting software product was actually built for. Most regret in software comes from buying for a company you are not yet.
The fourth test decides most of the order on this page, and it is the reason the largest
cash flow forecasting software vendors sit below the smaller ones. A product with a published price, an export
that works and no mandatory implementation partner is a product you can leave.
A platform suite that arrives with a quote, a partner and a two-year commitment may well be
the better software and is still the harder decision to reverse. We rank cash flow forecasting software for the
buyer who has to live with that decision without a procurement department, which is a stated
bias rather than a hidden one.
We do not publish a score out of ten. A number like 8.4 is a judgement dressed as a
measurement, and nobody can check it.
What you can check is on this page: what each cash flow forecasting tool costs, where the vendor is
established, whether the price is published, and what we think it is bad at. Our full method
is on the how we work page.
Group treasury departments needing payments, risk and debt in one
Mid-market finance teams that have no treasury function
Country is where the vendor is headquartered or contracts from, which is a
different question from where your data is hosted. Where the two tell different stories, the
entry says so.
Direct cash forecasting for small French and European companies
Ranked #1 of 12 in Best Cash Flow Forecasting Software in 2026.
Published pricingEurope
Fygr is direct forecasting done simply: connect the accounts, teach it your categories, and the forecast updates as money moves. For a company under fifty people that is more useful than a model built from the profit and loss, because it answers the question about next month rather than next year.
The limits arrive with complexity. Multi-entity consolidation, foreign currency and detailed scenario work are where buyers start looking at heavier products.
What stands out
Published pricing
Bank feeds
Self-serve
Where it costs you
Bank coverage thins outside France and the larger EU banks
Scenario modelling is basic next to planning tools
Right for
Small companies wanting a live forecast without a planning project
Wrong for
Groups with several entities and currencies to consolidate
German liquidity planning with DATEV and bank connections
Ranked #2 of 12 in Best Cash Flow Forecasting Software in 2026.
Published pricingEurope
The German small-business setup splits the data: the tax adviser holds the books in DATEV, the company holds the bank access. Tidely bridges that split and produces a liquidity plan in the shape a German bank recognises, which matters when a credit line is under discussion.
Outside DACH the picture changes. Fewer bank connections, thinner documentation in English, and a planning layer that is not trying to be a budgeting system.
Cash flow tracking and scenarios for small finance teams
Ranked #3 of 12 in Best Cash Flow Forecasting Software in 2026.
Published pricingEurope
RocketChart occupies the space where the spreadsheet stopped coping but a planning platform would be absurd. Bank feeds supply the actuals, you own the categories, and scenarios are quick enough that people build them during a meeting.
The maintenance burden is real: rules drift as the business changes, and a neglected category set produces a forecast that looks precise and is wrong. Check the bank list for your own institutions first.
What stands out
Scenarios
Published pricing
Quick setup
Where it costs you
Categorisation rules need ongoing maintenance to stay accurate
Board-level reporting is thinner than the internal views
Right for
A finance lead who wants scenarios without leaving the bank data
Wrong for
Groups needing consolidated treasury reporting across several entities
Treasury, reconciliation and forecasting for mid-size European groups
Ranked #4 of 12 in Best Cash Flow Forecasting Software in 2026.
Pricing on requestEurope
Embat's centre of gravity is reconciliation: matching bank movements to the accounting automatically across entities, then forecasting from a base everyone trusts. For a group whose treasurer currently maintains a consolidated spreadsheet each Monday, that is the whole business case.
It is sold and priced as an enterprise product with onboarding attached, so the value only appears above a certain size, and below it the same money buys a simpler tool.
What stands out
Multi-entity
Bank reconciliation
EU focus
Where it costs you
Onboarding is a project, not a self-serve signup
Over-specified and expensive for a single-entity company
Right for
Mid-size European groups with several banks and several legal entities
Wrong for
Small companies with one bank and one legal entity
Group cash forecasting collected from subsidiaries and banks
Ranked #5 of 12 in Best Cash Flow Forecasting Software in 2026.
Pricing on requestEurope
The hard part of group forecasting is not arithmetic, it is getting twenty local controllers to submit on time and in the same format. CashAnalytics is built around that collection process, and the variance analysis afterwards, which shows who forecasts well and who guesses.
That is a narrow and valuable job. It assumes a treasury function exists to run it, and the implementation front-loads a lot of mapping work before any of it pays back.
What stands out
Group treasury
Subsidiary input
Variance analysis
Where it costs you
Pointless for a single-entity company
Implementation means mapping every entity and bank account
Right for
Group treasuries collecting forecasts from many local finance teams monthly
Wrong for
Companies wanting an automatic forecast with no human input
Bank API aggregation with forecasting on top of it
Ranked #6 of 12 in Best Cash Flow Forecasting Software in 2026.
Pricing on requestNorth America
Trovata was built on direct bank APIs rather than overnight files, so balances and transactions arrive faster and the setup is lighter than treasury platforms of similar ambition. The forecasting layer uses that history to project recurring flows.
The determining question is whether your banks are on the list, because a European company with two regional banks and a cooperative will get partial coverage and a partial forecast, which is worse than none.
What stands out
Direct bank APIs
Large balances
US banks
Where it costs you
Bank coverage favours US and large international institutions
Priced and sold to treasurers rather than controllers
Right for
Companies holding significant balances across several large, well connected banks
Wrong for
SMEs banking with regional or cooperative European banks
Nordic treasury suite covering payments and cash forecasting
Ranked #7 of 12 in Best Cash Flow Forecasting Software in 2026.
Pricing on requestEurope
Nomentia is the credible European answer when a treasury team does not want an American vendor holding its bank connectivity. Payments, bank statements, reconciliation and forecasting are separate modules on one platform, and the payment hub is the mature piece.
Buying only the forecasting misses the point and still involves an implementation. Parts of the product carry the history of the companies it was assembled from, and it shows in the interface.
What stands out
EU vendor
Payment hub
Modular
Where it costs you
Forecasting alone is less compelling than the full suite
Quote grows quickly as modules are added
Right for
European groups wanting payments and cash in one EU-based vendor
Scenario-led cash forecasting for advisers and their business clients
Ranked #8 of 12 in Best Cash Flow Forecasting Software in 2026.
Published pricingNorth America
Dryrun inverts the usual order: the scenario comes first and the data supports it. That fits an adviser conversation about a late customer or a delayed hire far better than a transaction-driven tool.
The risk is inherent to the design. Nothing forces the assumptions to be revisited, so a model built in March still looks authoritative in September, and only the person who built it knows what it no longer reflects.
What stands out
Scenario modelling
Adviser use
Published pricing
Where it costs you
Depends on manual assumptions that quietly go stale
Short integration list outside the main accounting packages
Right for
Accountants modelling what-if cash scenarios with their owner-managed business clients
Wrong for
Teams wanting the forecast maintained automatically from bank data
Reporting and three-way forecasts sold through accounting firms
Ranked #9 of 12 in Best Cash Flow Forecasting Software in 2026.
Published pricingAsia-Pacific
Spotlight builds the forecast the way a lender expects: profit and loss, balance sheet and cash flow tied together from the accounting data. That produces a document people trust in a funding conversation.
It is not a tool for managing Thursday's payment run, because the accounting is always behind the bank. The distribution model matters too: the product assumes an accounting practice sits between the vendor and you.
What stands out
Three-way forecast
Accountant-led
Published pricing
Where it costs you
Indirect method lags real bank movements
Buying without an accounting firm means less support
Right for
Three-way forecasts that a bank or an investor will accept
Wrong for
Weekly cash management driven by live bank transactions
Forecasting driven by when customers actually pay you
Ranked #10 of 12 in Best Cash Flow Forecasting Software in 2026.
Pricing on requestNorth America
Tesorio predicts when each customer will actually pay, based on how they have paid before rather than the terms on the invoice, and for a B2B company with a long ledger that is the largest source of forecast error solved.
The scope is deliberately narrow: the outflow side is thin, so it usually sits next to another tool. With few customers or little history, the behavioural model has nothing to learn from.
What stands out
Receivables-led
Payment behaviour
B2B
Where it costs you
Narrow focus on receivables leaves costs and payroll secondary
Needs substantial invoice history before predictions mean anything
Right for
B2B companies whose forecast lives or dies on customer payment timing
Wrong for
Businesses paid immediately, or with few large customers
Payment and bank connectivity platform with cash forecasting
Ranked #11 of 12 in Best Cash Flow Forecasting Software in 2026.
Pricing on requestEurope
TIS is really a bank connectivity and payment control platform, and the forecasting is what you get once all the flows pass through it.
For a group with dozens of bank accounts and a fraud-conscious audit committee, the approval workflows and screening justify the price on their own. Bought purely for forecasting it is poor value, and the implementation timetable depends on banks that answer at their own speed.
What stands out
Bank connectivity
Payment controls
Enterprise
Where it costs you
Expensive infrastructure if the forecast is all you want
Implementation runs for months and involves your banks
Right for
Large groups standardising bank connectivity and payment controls across subsidiaries
Enterprise treasury platform with forecasting among many modules
Ranked #12 of 12 in Best Cash Flow Forecasting Software in 2026.
Pricing on requestNorth America
Kyriba is the full treasury management system: payments, in-house banking, FX risk, debt and investments, with forecasting as one module among them. At group scale it does the job and the depth is real.
It also fails the independence test on every count. The implementation involves partners, the contract runs for years, the modules price separately, and extracting your treasury history into another system is its own programme of work.
What stands out
Enterprise treasury
Modular
Long contracts
Where it costs you
Modular pricing on multi-year terms adds up fast
Implementations are partner-led and leaving is a project
Right for
Group treasury departments needing payments, risk and debt in one
Wrong for
Mid-market finance teams that have no treasury function
United StatesQuoted, modular, multi-year contracts
Cash flow forecasting software projects the money in your bank accounts weeks or months ahead, using bank transactions, unpaid invoices and planned costs rather than accounting profit. The differences that matter are rarely in the feature list, so this is
the order we would work through them.
01
Decide whether you need a published price
5 of the 12 tools here publish what they cost; the other 7 quote per organisation, which means a sales conversation before you can compare anything. If you are buying without a procurement function, start with the ones that publish: Fygr, Tidely, RocketChart, Dryrun, Spotlight Reporting.
02
Work out what the first ninety days cost in time
Licence cost is the number in the contract; setup effort is the number that surprises people. Ask every shortlisted vendor who does the configuration, how long it took the last customer of your size, and what happens if that person leaves halfway.
03
Check the exit before the entry
Ask for an export of your own data in a format you can open, and ask whether it is included or billed as a project. A vendor that hesitates here is telling you what renewal negotiations will feel like in three years.
04
Match the tool to the size you are, not the size you plan to be
Most regret in this category comes from buying for a headcount that never arrived. The entry-level products here are not worse; they are aimed at a different company.
05
Decide how much the jurisdiction matters
These 12 vendors are established in 8 countries across 3 regions (Europe 7, North America 4, Asia-Pacific 1). Where a vendor is established decides which government can compel access to what it holds, which is a different question from where the servers are. For most buyers that is a factor, not a veto.
Direct or indirect: the split that decides which product fits
A direct forecast is built from transactions, so it knows the rent leaves on the twenty-eighth and the payroll run clears on the twenty-fifth. Fygr, Tidely, RocketChart and Trovata work this way, and they answer questions about the next thirteen weeks. An indirect forecast is derived from the profit and loss and balance sheet, which is what Spotlight Reporting produces and what a lender or an investor expects to read.
It answers questions about the next eighteen months and it cannot tell you about Thursday. Most finance teams need both, at different moments, and buying one product expecting it to serve the other purpose is the most common disappointment in this category. Decide which horizon is actually causing you pain before you look at a demo.
Write down the horizon that hurts: this quarter, or the next funding round.
If a bank asked for the forecast, you probably need the indirect method.
Do not judge a thirteen-week tool on how its annual view looks.
The bank connection is the product, whatever the marketing says
Every tool here shows a tidy chart in the demo. What differs is whether it can read your actual accounts, and open banking coverage across Europe is far less uniform than the regulation suggests. Large retail banks in France, Germany, the Netherlands and the Nordics are generally well covered. Regional banks, cooperative banks, savings banks and business accounts at smaller institutions are patchier, and coverage often stops at the balance and a limited transaction history.
Fygr and RocketChart are strongest with French institutions, Tidely with German ones, and Trovata with large banks and US institutions. Ask for the list of your own banks by name, and ask how many days of history come across and how often the connection has to be reauthorised, because a feed that breaks monthly is a manual process with a subscription attached.
Send the vendor your bank list by name and get a written answer.
Ask how often the connection needs reauthorising, and who notices when it breaks.
Check whether business accounts are covered, not just the retail equivalents.
Categorisation is the work nobody costs in
A direct forecast is only as good as the rules that sort transactions into categories, and those rules decay. A new supplier, a renamed payment reference or a switched payment provider quietly drops into the wrong bucket, and the forecast keeps looking precise while becoming wrong. RocketChart and Fygr both hand you the rules, which is the right trade, but it means somebody owns them.
Budget half a day a month for it and name the person. The alternative approach, taken by Tesorio, is to predict from receivable behaviour instead, which removes some of the manual work and narrows what the forecast covers. What you should not do is assume that automatic categorisation on day one stays accurate on day two hundred without anyone looking.
Name the person who reviews uncategorised transactions each month.
Ask how the tool flags a transaction it could not classify.
Compare last quarter's forecast against what actually happened before renewing.
Getting out, and what a treasury contract locks in
At the small end the exit is easy and worth confirming anyway: Fygr, RocketChart and Dryrun are month-to-month or annual, and your history exports to a spreadsheet. At the treasury end the calculation changes entirely. Kyriba, TIS and Nomentia sit between you and your banks, which means the bank connections, the payment formats and the approval workflows are configured in their platform, often with a partner.
Replacing that is not a data migration, it is a reconnection project with every bank involved, and it takes longer than the original implementation. That lock-in is not hidden, but it is rarely priced in the business case. If the forecast is what you need, buying an entire connectivity platform to get it is an expensive route.
Ask what happens to bank connections and payment templates on termination.
Export your full transaction and forecast history during the trial.
Price the treasury platform against a forecasting tool plus your existing bank portals.
What goes wrong most often when buying cash flow forecasting software
Buying a planning platform to answer a thirteen-week cash question. The model will be elegant and it will not know when the payroll clears.
Signing before testing your own bank connections. Coverage claims are written for the large banks, and your cooperative bank is the exception.
Leaving the categorisation rules to look after themselves. A stale rule set produces a confident forecast that nobody checks against reality.
Letting the treasury vendor own the bank connectivity without pricing the exit. Reconnecting every bank elsewhere costs more than the original project.
07
Frequently asked questions
9 answers
What is the best cash flow forecasting in 2026?
Fygr leads our ranking of 12. Connects the bank accounts, categorises the transactions and builds a rolling forecast from what actually moved, which is the right method for a company under fifty people.
Published pricing and setup in an afternoon. Bank coverage is strongest in France and thins out further east, and the scenario modelling is basic next to a planning tool. Multi-entity consolidation is the point where you outgrow it.
How did you rank these cash flow forecasting tools?
On what separates products after the demo: how much setup the first ninety days take, what the price becomes once the modules a normal buyer needs are added, how your data comes back out, whether you can buy and leave it without a partner engagement, and who the product is genuinely for.
That fourth test is why the large platform suites usually sit lower here than their market share would suggest. Not on feature counts, and not on a score we invented.
Which cash flow forecasting tools publish their pricing?
5 of the 12, with the pricing model each one publishes:
Fygr: Per month by company size, published.
Tidely: Per month by tier, published.
RocketChart: Per month by transaction volume, published.
Dryrun: Per company per month, published.
Spotlight Reporting: Per firm or per client, published.
The other 7 quote per organisation.
Is there a free cash flow forecasting tool?
None of the tools here offer a usable free tier, which is itself a signal about who this category is sold to.
Where are these cash flow forecasting vendors established?
In 8 countries across 3 regions: Europe 7, North America 4, Asia-Pacific 1.
Fygr is established in France.
Tidely is established in Germany.
RocketChart is established in France.
Embat is established in Spain.
CashAnalytics is established in Ireland.
Trovata is established in the United States.
Nomentia is established in Finland.
Dryrun is established in Canada.
Spotlight Reporting is established in New Zealand.
Tesorio is established in the United States.
TIS is established in Germany.
Kyriba is established in the United States.
Establishment decides whose courts and whose disclosure laws apply, which is a separate question from where the data is hosted.
What should you use instead of Fygr?
Tidely and RocketChart are the next two on this page.
Tidely is for German SMEs whose bookkeeping sits with an external tax adviser; RocketChart is for a finance lead who wants scenarios without leaving the bank data. All 12 are ranked here with what each one is bad at.
Who should not buy Fygr?
Groups with several entities and currencies to consolidate. Bank coverage thins outside France and the larger EU banks.
Do you get paid for these rankings?
Vendors can pay for visibility, which affects where and how prominently a product appears. It does not change a word of what the entry says about that product, including the criticism, and it cannot buy inclusion for something that does not belong in the category.
We take no commission when you click through to a vendor and we do not know whether you bought anything. The full arrangement is on our disclosure page.
How often is this cash flow forecasting guide updated?
Whenever the facts move: a price change, an acquisition, a product that stops being maintained. The published and updated dates at the top of the page are real, and a review means someone went back to the vendor documentation rather than bumping a date.
These 12 products are the ones we judged worth ranking in cash flow forecasting. If yours belongs here and is missing, tell us what it does and who it is for, and we will look at it. Inclusion is an editorial call and it is not for sale — but nobody gets considered for a list they were never put in front of.
People land on this page with a shortlist to make, not a browsing habit to feed. That is a narrower audience than a banner reaches and a far more decided one.
Written by us, about you
We describe the product in our own words, say who it suits and say who it does not. A vendor never writes the entry and never sees it before it goes up.
A correction costs nothing
If a fact about your product is wrong here, tell us and we fix it, whether or not there is any money between us. That offer is older than any commercial arrangement on this site.
Placement is separate, and disclosed
Where a product sits in the ranking can be paid for, and the notice above the list says so on every page. What the entry says about the product is not for sale at any price.
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