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.
In this order: setup effort, what it really costs, how your data comes back out, whether
you can leave, and who each cash flow forecasting tool is built for. Why those five, and why there is no
score out of ten, is on the how we work page.
Quoted, modular, multi-year contracts; mid-market package priced by banking footprint
—
Group treasury departments needing payments, risk and debt in one
Companies without a treasury function that only need a cash forecast
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 20 in Best Cash Flow Forecasting Software in 2026.
Published pricingEurope
Fygr, now renamed Okimia, 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 follow the plans: the entry plan covers two banks and one user, multi-currency starts on Pro, and consolidation sits in the quoted multi-entity plan. Detailed scenario work is 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 needing a full treasury system with netting, hedging and in-house banking
FrancePer month by revenue band, published from 69 euros; multi-entity plan quoted; 7-day trial
German liquidity planning with DATEV and bank connections
Ranked #2 of 20 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 20 in Best Cash Flow Forecasting Software in 2026.
Published pricingEurope
RocketChart, now sold by Sellsy, 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
FrancePer month by number of connected banks, published; 12-month commitment
Cash forecasts built from QuickBooks, Xero or Sage Intacct data
Ranked #4 of 20 in Best Cash Flow Forecasting Software in 2026.
Published pricingMiddle East
Cash Flow Frog takes open receivables, payables and recurring transactions from the accounting system and projects the balance forward, which gives a usable forecast quickly without categorisation rules.
The weakness follows directly: if bookkeeping runs two weeks behind, so does the forecast, unless the optional Plaid bank feed is connected. The company is small, sells to small businesses and their bookkeepers, and publishes its price by revenue band, so the bill is known before the trial ends.
What stands out
Published pricing
Accounting sync
Small business
Where it costs you
Forecast depends on up-to-date bookkeeping unless the bank feed is connected
Small vendor with limited multi-entity support
Right for
Small companies on QuickBooks or Xero wanting a forecast within an hour
Wrong for
Groups with several entities and a treasurer managing banks
IsraelPer month by company revenue band, published; discounts for annual terms
Liquidity planning and open-items tracking for small German-speaking firms
Ranked #5 of 20 in Best Cash Flow Forecasting Software in 2026.
Published pricingEurope
Commitly does what Tidely does for a slightly different audience: liquidity planning from bank data and open items, scenarios, and a group view across several companies, with advisers able to work alongside the client.
Prices are on the website and setup is quick. Its weak points are reach and scale. Its customers sit mostly in German-speaking markets, though the product is multilingual, and a company banking outside the DACH region should get its banks confirmed in writing.
What stands out
Liquidity planning
Austrian vendor
Published pricing
Where it costs you
Customer base and support centred on the DACH region
Bank coverage outside Austria and Germany must be confirmed
Right for
Austrian and German small companies and their tax advisers planning liquidity
Wrong for
Companies outside German-speaking markets or with treasury teams
Bank-fed cash tracking and forecasting for French small businesses
Ranked #6 of 20 in Best Cash Flow Forecasting Software in 2026.
Free tierPublished pricingEurope
Trezy lowers the entry point further than Fygr or RocketChart: connect the bank, let it categorise, and see a forward balance without paying. Paid tiers add forecasting depth and reporting.
For a small French company that is enough, and it is quick. It is not a treasury tool, so intercompany flows, cash pooling and bank payments belong to Embat or Nomentia, and export of the categorised history should be tested early.
What stands out
Free plan
French vendor
Bank feeds
Where it costs you
Built for a single small business, not a treasury team
Bank coverage outside France needs confirming
Right for
French founders and small businesses wanting a free cash forecast
Wrong for
Groups with several entities and a treasury function
FranceFree plan with one bank account; paid plans per month, published
Treasury, reconciliation and forecasting for mid-size European groups
Ranked #7 of 20 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 from subsidiaries and banks, now part of Ripple Treasury
Ranked #8 of 20 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.
Since 2024 it belongs to GTreasury, now Ripple Treasury, which sells it as a forecasting module that can run alone. It assumes a treasury function exists, and the mapping work comes 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 #9 of 20 in Best Cash Flow Forecasting Software in 2026.
Published pricingNorth 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
United StatesBase package published at $24,000 a year for one bank; more banks and TMS quoted
Nordic treasury suite covering payments and cash forecasting
Ranked #10 of 20 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 CFOs, advisers and their business clients
Ranked #11 of 20 in Best Cash Flow Forecasting Software in 2026.
Pricing on requestNorth 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
Multi-entity
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
Driver-based forecasting and reporting for small finance teams and accountants
Ranked #12 of 20 in Best Cash Flow Forecasting Software in 2026.
Published pricingNorth America
Jirav is closer to a light FP&A tool than to a cash tool: revenue drivers, headcount plans and the three statements, with cash as the result rather than the input.
For a CFO advising several clients that is the right shape, and the published entry prices make it easy to try. It will not tell you whether the payroll clears on Friday, and a model built on stale assumptions looks as confident as a fresh one.
What stands out
Three-statement forecast
Headcount planning
Accountant channel
Where it costs you
No daily bank-fed cash position
Driver models need a finance person to maintain them
Right for
Fractional CFOs and accounting firms forecasting several US small businesses
Wrong for
Treasurers who need this week's cash by bank account
United StatesBusinesses from $10,000 a year and accounting-firm plans from $50 a month, published; enterprise quoted
Three-statement forecasting and scenario modelling for small businesses and advisers
Ranked #13 of 20 in Best Cash Flow Forecasting Software in 2026.
Published pricingEurope
Brixx sits here because many buyers searching for cash flow forecasting actually need a three-statement plan: what the balance looks like in eighteen months if we hire, raise or open a site.
It does that well for its price, with scenarios side by side. It does not do what Tidely or Fygr do, which is read the bank and project the next thirteen weeks. Buy it for planning, not for treasury.
What stands out
Three-statement model
Scenarios
Published pricing
Where it costs you
No daily bank feed, so short-term cash is not its job
Assumption-driven models need maintaining by hand
Right for
Founders and advisers building funding cases and multi-year cash projections
Wrong for
Finance teams managing daily or weekly cash positions
Three-way forecasting and business modelling built for advisory accountants
Ranked #14 of 20 in Best Cash Flow Forecasting Software in 2026.
Published pricingAsia-Pacific
Castaway is the adviser's modelling tool: three-way forecasts, scenarios, consolidation and KPIs, fed from Xero, QuickBooks or spreadsheets and sold on plans sized by the number of forecast files.
That makes it a direct rival to Spotlight Reporting for firms in Australia, New Zealand and the UK. It asks for more training than a bank-feed tool, and the output answers funding and strategy questions better than whether this month's payments can be met.
What stands out
Three-way forecast
Adviser use
Published pricing
Where it costs you
Pricing by forecast file suits firms more than single companies
Indirect forecast; no daily bank feed
Right for
Accounting firms selling forecasting and advisory work to their clients
Wrong for
A single company wanting a thirteen-week bank-based cash view
AustraliaBy number of project files, published from $150; enterprise quoted
Business plan software with cash forecasts and plan-versus-actual tracking
Ranked #15 of 20 in Best Cash Flow Forecasting Software in 2026.
Published pricingNorth America
LivePlan walks a founder through the business plan, then the sales forecast, costs and cash flow projection a bank or investor expects to see, and later compares them with QuickBooks or Xero actuals.
It is cheap, published and quick. It is also a planning product sold to people who have not built a forecast before, so an experienced finance lead will find the model limited, and short-term cash visibility is not what it does.
What stands out
Business plans
Published pricing
Lender-ready
Where it costs you
Does not read bank accounts or build a weekly cash view
Forecast logic is simpler than dedicated planning tools
Right for
Founders preparing a business plan and cash projection for a lender
Wrong for
Finance teams managing short-term liquidity across several bank accounts
United StatesPer month by plan, published; lower rate billed annually
Reporting and three-way forecasts sold through accounting firms
Ranked #16 of 20 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
New ZealandPer adviser firm per month, published from $329; business plans also offered
Forecasting driven by when customers actually pay you
Ranked #17 of 20 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 #18 of 20 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
Treasury management platform formerly sold as GTreasury, now owned by Ripple
Ranked #19 of 20 in Best Cash Flow Forecasting Software in 2026.
Pricing on requestNorth America
GTreasury was a familiar mid-to-large treasury system before Ripple bought it, and the platform still covers bank connectivity, cash positioning, forecasting, payments, netting and hedging. It is usually shortlisted against Kyriba and treasury modules from ERP vendors.
The forecasting module, the former CashAnalytics, can be bought alone, but the rest of the platform is where the price goes. The same exit problem applies as with Kyriba and TIS: once bank connections and payment formats live here, leaving means reconnecting every bank elsewhere.
What stands out
Enterprise treasury
Bank connectivity
Recently acquired
Where it costs you
Quoted, modular pricing with an implementation involving your banks
Ownership change adds roadmap uncertainty
Right for
Corporate treasury teams wanting cash positioning, payments and forecasting in one system
Wrong for
Companies that only need a cash forecast from accounting data
Enterprise treasury platform with forecasting among many modules
Ranked #20 of 20 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
Enterprise implementations are large and leaving is a project
Right for
Group treasury departments needing payments, risk and debt in one
Wrong for
Companies without a treasury function that only need a cash forecast
United StatesQuoted, modular, multi-year contracts; mid-market package priced by banking footprint
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
12 of the 20 tools here publish what they cost; the other 8 quote per organisation. The ones you can compare without a sales call: Okimia (formerly Fygr), Tidely, RocketChart by Sellsy, Cash Flow Frog, Commitly, Trezy, Trovata, Jirav, Brixx, Castaway, LivePlan, Spotlight Reporting.
02
Decide how much the jurisdiction matters
These 20 vendors are established in 12 countries across 4 regions (Europe 10, North America 7, Asia-Pacific 2, Middle East 1). That decides whose disclosure law applies to what the vendor holds, wherever the servers are.
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, Tidely and Trezy offer monthly or annual terms, 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
6 answers
What is the best cash flow forecasting in 2026?
Okimia (formerly Fygr) leads our ranking of 20. Now renamed Okimia. 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, with supplier payments and cash placement recently added. Bank coverage is strongest in France, and the scenario modelling is basic next to a planning tool. Multi-entity consolidation exists but sits in the quoted top plan.
Which cash flow forecasting tools publish their pricing?
12 of the 20, with the pricing model each one publishes:
Okimia (formerly Fygr): Per month by revenue band, published from 69 euros; multi-entity plan quoted; 7-day trial.
Tidely: Per month by tier, published; DATEV connector a paid add-on.
RocketChart by Sellsy: Per month by number of connected banks, published; 12-month commitment.
Cash Flow Frog: Per month by company revenue band, published; discounts for annual terms.
Commitly: Per month by plan, published.
Trezy: Free plan with one bank account; paid plans per month, published.
Trovata: Base package published at $24,000 a year for one bank; more banks and TMS quoted.
Jirav: Businesses from $10,000 a year and accounting-firm plans from $50 a month, published; enterprise quoted.
Brixx: Per month by plan, published.
Castaway: By number of project files, published from $150; enterprise quoted.
LivePlan: Per month by plan, published; lower rate billed annually.
Spotlight Reporting: Per adviser firm per month, published from $329; business plans also offered.
The other 8 quote per organisation.
Is there a free cash flow forecasting tool?
Trezy offer a free tier or a free self-hosted edition.
Where are these cash flow forecasting vendors established?
In 12 countries across 4 regions: Europe 10, North America 7, Asia-Pacific 2, Middle East 1.
What should you use instead of Okimia (formerly Fygr)?
Tidely and RocketChart by Sellsy are the next two on this page. Tidely is for German SMEs whose bookkeeping sits with an external tax adviser; RocketChart by Sellsy is for a finance lead who wants scenarios without leaving the bank data.
Who should not buy Okimia (formerly Fygr)?
Groups needing a full treasury system with netting, hedging and in-house banking. Bank coverage thins outside France and the larger EU banks.
If your cash flow forecasting product belongs among these 20, tell us what it does and who it is for. Inclusion is an editorial call; what a listing is and is not is set out under software advice.
