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. 55 first choices recorded across the direct, paraphrase, budget and scale prompts, fourteen models each.
Standing · first-choice share
35%
Contested · Cash Flow Frog 16%
35Float16Cash Flow Frog07Xero Cash Flow Forecasting42others
35% of first choices, contested.
Since September 2026▲+3Since September 2026: 31% → 35%, +3 points. Inside the 10-point floor: within noise. Read over the models both editions asked.Float held the lead, +3 points on 31%, inside the 10-point 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
Float35%Contested▲+3Since September 2026: 31% → 35%, +3 points. Inside the 10-point floor: within noise. Read over the models both editions asked.This pageMid-market
Agicap13%Contested▼−2Since September 2026: 18% → 16%, −2 points. Inside the 10-point floor: within noise. Read over the models both editions asked.Standing →Enterprise
Kyriba24%Contested▼−13Since September 2026: 35% → 22%, −13 points. Past the 10-point floor: movement. Read over the models both editions asked.Standing →
Float35%Contested▲+3Since September 2026: 31% → 35%, +3 points. Inside the 10-point floor: within noise. Read over the models both editions asked.This pageMid-marketAgicap13%Contested▼−2Since September 2026: 18% → 16%, −2 points. Inside the 10-point floor: within noise. Read over the models both editions asked.Standing →EnterpriseKyriba24%Contested▼−13Since September 2026: 35% → 22%, −13 points. Past the 10-point floor: movement. Read over the models both editions asked.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 September 2026
01Float35%12%65endorsed leader▲+3Since September 2026: 31% → 35%, +3 points. Inside the 10-point floor: within noise. Read over the models both editions asked.31% → 35%
Float35%12%65endorsed leader▲+3Since September 2026: 31% → 35%, +3 points. Inside the 10-point floor: within noise. Read over the models both editions asked.31% → 35%02
Cash Flow Frog16%0%32accepted challenger=heldSince September 2026: 15% → 14%, ±0 points. Inside the 10-point floor: within noise. Read over the models both editions asked.15% → 14%
Cash Flow Frog16%0%32accepted challenger=heldSince September 2026: 15% → 14%, ±0 points. Inside the 10-point floor: within noise. Read over the models both editions asked.15% → 14%03
Xero Cash Flow Forecasting7%25%16criticized challenger▲+6Since September 2026: 2% → 8%, +6 points. Inside the 10-point floor: within noise. Read over the models both editions asked.2% → 8%
Xero Cash Flow Forecasting7%25%16criticized challenger▲+6Since September 2026: 2% → 8%, +6 points. Inside the 10-point floor: within noise. Read over the models both editions asked.2% → 8%04
Pulse4%4%23accepted challenger▼−4Since September 2026: 6% → 2%, −4 points. Inside the 10-point floor: within noise. Read over the models both editions asked.6% → 2%
Pulse4%4%23accepted challenger▼−4Since September 2026: 6% → 2%, −4 points. Inside the 10-point floor: within noise. Read over the models both editions asked.6% → 2%05
Chaser4%0%10accepted challenger▼−2Since September 2026: 6% → 4%, −2 points. Inside the 10-point floor: within noise. Read over the models both editions asked.6% → 4%
Chaser4%0%10accepted challenger▼−2Since September 2026: 6% → 4%, −2 points. Inside the 10-point floor: within noise. Read over the models both editions asked.6% → 4%06Agicap4%31%13criticized challenger▲+2Since September 2026: 2% → 4%, +2 points. Inside the 10-point floor: within noise. Read over the models both editions asked.2% → 4%
Agicap4%31%13criticized challenger▲+2Since September 2026: 2% → 4%, +2 points. Inside the 10-point floor: within noise. Read over the models both editions asked.2% → 4%Show the six products at 0%, ordered by negative rate
12
Anaplan0%91%11criticized challenger=heldSince September 2026: 0% → 0%, ±0 points. Inside the 10-point floor: within noise. Read over the models both editions asked.0% → 0%
Anaplan0%91%11criticized challenger=heldSince September 2026: 0% → 0%, ±0 points. Inside the 10-point floor: within noise. Read over the models both editions asked.0% → 0%11
Workday Adaptive Planning0%75%12criticized challenger=heldSince September 2026: 0% → 0%, ±0 points. Inside the 10-point floor: within noise. Read over the models both editions asked.0% → 0%
Workday Adaptive Planning0%75%12criticized challenger=heldSince September 2026: 0% → 0%, ±0 points. Inside the 10-point floor: within noise. Read over the models both editions asked.0% → 0%10
QuickBooks Cash Flow Planner0%22%18accepted challenger▼−15Since September 2026: 15% → 0%, −15 points. Past the 10-point floor: movement. Read over the models both editions asked.15% → 0%
QuickBooks Cash Flow Planner0%22%18accepted challenger▼−15Since September 2026: 15% → 0%, −15 points. Past the 10-point floor: movement. Read over the models both editions asked.15% → 0%09
Futrli0%10%10accepted challenger▼−2Since September 2026: 2% → 0%, −2 points. Inside the 10-point floor: within noise. Read over the models both editions asked.2% → 0%
Futrli0%10%10accepted challenger▼−2Since September 2026: 2% → 0%, −2 points. Inside the 10-point floor: within noise. Read over the models both editions asked.2% → 0%07
Fathom0%10%31accepted challenger=heldSince September 2026: 0% → 0%, ±0 points. Inside the 10-point floor: within noise. Read over the models both editions asked.0% → 0%
Fathom0%10%31accepted challenger=heldSince September 2026: 0% → 0%, ±0 points. Inside the 10-point floor: within noise. Read over the models both editions asked.0% → 0%08
Dryrun0%0%10accepted challenger=heldSince September 2026: 0% → 0%, ±0 points. Inside the 10-point floor: within noise. Read over the models both editions asked.0% → 0%
Dryrun0%0%10accepted challenger=heldSince September 2026: 0% → 0%, ±0 points. Inside the 10-point floor: within noise. Read over the models both editions asked.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 is noise, and both are shown. Movement is read over the twelve models both editions asked; GPT-6 Luna, Muse Glimmer 30B joined this edition and are in the standing but not yet in the comparison. 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.
For buyers
All twenty-eight head-to-head pages: the top eight products, each against each
Agicap vs TesorioAgicap vs CubeAgicap vs TrovataAgicap vs KyribaFloat vs Cash Flow FrogFloat vs ChaserFloat vs TesorioFloat vs CubeFloat vs TrovataFloat vs KyribaCash Flow Frog vs ChaserCash Flow Frog vs TesorioCash Flow Frog vs CubeCash Flow Frog vs TrovataCash Flow Frog vs KyribaChaser vs TesorioChaser vs CubeChaser vs TrovataChaser vs KyribaTesorio vs CubeTesorio vs TrovataTesorio vs KyribaCube vs TrovataCube vs KyribaTrovata vs Kyriba
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 →
010203040506070809101112Accepted challengerEndorsed leader
0%First-choice share → · lines at 30% share and 25% negative50%
Key
01Float35%
Float35%02Cash Flow Frog16%
Cash Flow Frog16%03Xero Cash Flow Forecasting7%
Xero Cash Flow Forecasting7%04Pulse4%
Pulse4%05Chaser4%
Chaser4%06Agicap4%
Agicap4%07Fathom0%
Fathom0%08Dryrun0%
Dryrun0%09Futrli0%
Futrli0%10QuickBooks Cash Flow Planner0%
QuickBooks Cash Flow Planner0%11Workday Adaptive Planning0%
Workday Adaptive Planning0%12Anaplan0%
Anaplan0%What they warned about
Two of fourteen models held their first choice under the paraphrase. Claude Haiku 4.5, GPT-5.4 mini, Gemini 3.5 Flash, Perplexity Sonar, Mistral Small, DeepSeek V4 Flash, Llama 4 Maverick, Qwen 3.7 Flash, Kimi K2, GLM 4.7 FlashX, MiniMax M2.5 and GPT-6 Luna 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 Excel88%
7 of 8 labels negative · 7 of 14 models · 2 hard negative
“Avoid Excel as Your Primary Forecasting Tool (Despite How Common It Is)” GLM 4.7 FlashX, negative prompt
Workday Adaptive Planning75%
9 of 12 labels negative · 6 of 14 models · 7 hard negative
“Tools like Anaplan and Workday Adaptive Planning are designed for large enterprises... often overkill for small businesses” Mistral Small, negative prompt
Anaplan91%
10 of 11 labels negative · 6 of 14 models · 6 hard negative
“Tools like Anaplan and Workday Adaptive Planning are designed for large enterprises... often overkill for small businesses” Mistral Small, negative prompt
Float12%
8 of 65 labels negative · 5 of 14 models · 2 hard negative
“I wouldn't start with Float on a tight budget: its listed single-entity plan is **$265/month**.” GPT-6 Luna, budget prompt
What they cite
Citations exist only for the models that return a source list: fourteen of the fourteen in this edition, and all six flagship models on the expanded tier.
Sites the answers cite
75 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. 1014 links across 208 sites, every framing counted. Ranked by the number of answers carrying the site or page. 7 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.
vendor site · Quicken41 answers · 64 citations · 12 models
vendor site · Tesorio39 answers · 48 citations · 11 models
vendor site · Guideflow36 answers · 39 citations · 11 models
vendor site · Drivetrain33 answers · 36 citations · 10 models
vendor site · Upflow26 answers · 32 citations · 10 models
vendor site · Abacum24 answers · 24 citations · 10 models
23 answers · 28 citations · 12 models
21 answers · 36 citations · 9 models
vendor site · Xero20 answers · 27 citations · 11 models
vendor site · Cubesoftware20 answers · 26 citations · 11 models
vendor site · Worldmetrics19 answers · 33 citations · 10 models
17 answers · 21 citations · 9 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.
38 answers · 11 models
33 answers · 10 models
31 answers · 11 models
30 answers · 10 models
24 answers · 10 models
23 answers · 10 models
17 answers · 9 models
16 answers · 8 models
15 answers · 11 models
15 answers · 8 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 | 35% | 139 | 60,500 | 177,387 | 11,199 | 2 | 2 | |
| Cash Flow Frog cashflowfrog.com | 16% | 57 | 320 | 1 | 9,412 | 2 | 5 | |
| Xero Cash Flow xero.com Xero Cash Flow Forecasting 7% | 7% | 25 | 20 | 1 | 1,200,289 | $500 | 119 | |
| Wave waveapps.com | 5% | 323 | 368,000 | 253,218 | 708,862 | 39 | ||
| Pulse pulseapp.com | 4% | 33 | 110,000 | 58,405 | 1,633 | |||
| Chaser chaserhq.com | 4% | 218 | 6,120,000 | 13,683 | 11,066 | 0 | ||
| Agicap agicap.com | 4% | 111 | 590 | 5 | 31,998 | 22 | ||
| Quicken Business & Personal quicken.com | 4% | 11 | ||||||
| BILL bill.com BILL 2%, BILL Accounts Receivable 2% | 4% | 444 | 2,740,000 | 1,063,001 | 1,783,039 | $199,231 | 119 | 6 |
| Tesorio tesorio.com | 2% | 153 | 880 | 8 | 1,079 | 13 |
Google's top ten for the three searches hold 15 sites; 4 of them are among the sites the models cited here (abacum.ai, 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 4.5FloatPulseChangedFloatagainst: FutrliLivePlanno first choiceagainst: Anaplan, Float, Manual Spreadsheets
Four alternatives
Cash Flow Frog, Chaser, Drivetrain, FathomTwo alternatives
Float, FluidlyThree alternatives
Cash Flow Frog, Fathom, Microsoft ExcelThree alternatives
Float, Helm, Xero Cash Flow ForecastingGPT-5.4 miniFloatBILLChangedCash Flow Frog, FloatXero Cash Flow Forecastingagainst: QuickBooks Cash Flow Plannerno first choicenothing named
Three alternatives
Agicap, Dryrun, FathomOne alternative
QuickBooks Cash Flow PlannerThree alternatives
Dryrun, Fathom, JiravOne alternative
Cash Flow FrogGemini 3.5 FlashCash Flow FrogFloatChangedFloatTrezyno first choiceagainst: Anaplan, Workday Adaptive Planningagainst: Anaplan, Board, Fathom, Google Sheets, Microsoft Excel, Planful, QuickBooks Cash Flow Planner, Reach Reporting, Spotlight Reporting, Workday Adaptive Planning, Xero Cash Flow Forecasting
Six alternatives
Dryrun, Float, Jirav, QuickBooks Cash Flow Planner, Trezy, Xero Cash Flow ForecastingFour alternatives
BILL, Helm, Melio, MercuryFive alternatives
Cash Flow Frog, Dryrun, Fathom, Helm, TrezyFour alternatives
Helm, Pulse, QuickBooks Cash Flow Planner, Xero Short-Term Cash FlowPerplexity SonarFloatUpflowChangedFloatQuicken Business & Personal, Xero Cash Flow Forecastingno first choiceagainst: Excel/Google Sheets, Float, Fluidly, Xero Cash Flow Forecasting
Two alternatives
Chaser, FathomThree alternatives
Float, Qonto, RhoFour alternatives
Agicap, Cube, Fathom, FutrliOne alternative
FloatGrok 4.1 FastFloatFloatHeldFloatagainst: Anaplan, VenaQuicken Business & Personal, Waveagainst: Float, Microsoft Excel, TidelyCash Flow Frog, Floatagainst: Agicap, Anaplan, Excel spreadsheets or free templates, Float, HighRadius, Oracle NetSuite, Planful, Trovata, Workday Adaptive Planning
Two alternatives
Cash Flow Frog, DryrunFour alternatives
BILL, QuickBooks Cash Flow Planner, Relay, Xero Cash Flow ForecastingFour alternatives
Cash Flow Frog, Fathom, Futrli, PulseOne alternative
Cash Flow FrogOne alternative
FathomMistral SmallFloatQonto, Xero Cash Flow ForecastingChangedFloat, PulseFloatno first choiceagainst: Anaplan, Workday Adaptive Planning
Two alternatives
Chaser, UpflowTwo alternatives
Panax, SpendfloTwo alternatives
Cushion, FathomTwo alternatives
Cubes Software, QuickenDeepSeek V4 FlashCash Flow FrogChaserChangedFloatagainst: Agicap, Anaplan, Microsoft Excel, Oracle, PlanfulXero Cash Flow ForecastingCash Flow Frog, Floatagainst: Anaplan, HighRadius, Kyriba, Workday Adaptive Planningagainst: Anaplan, Excel/Google Sheets, FIS, Kyriba, Pulse, Workday Adaptive Planning
Four alternatives
Fathom, Float, Jirav, UpflowFour alternatives
BILL, Float, QuickBooks Cash Flow Planner, UpflowFour alternatives
Brixx, Cash Flow Frog, Fathom, FutrliThree alternatives
Cash Flow Frog, Quicken Business & Personal, WaveTwo alternatives
Fathom, Xero Cash Flow ForecastingLlama 4 MaverickFloatno first choiceChangedno first choiceno first choiceTesorionothing named
Three alternatives
Chaser, Cube, UpflowTwo alternatives
Guideflow Blog, TesorioFour alternatives
Cube, Fathom, Float, Workday Adaptive PlanningQwen 3.7 FlashFloat Financeagainst: LivePlanFloatChangedFloatagainst: FathomCash Flow Frog, Waveno first choiceagainst: Oracle, SAP Treasury and Risk Managementagainst: Google Sheets, Microsoft Excel, Oracle Cloud, Oracle NetSuite, SAP Treasury and Risk Management
Two alternatives
Kashoo, PulseFour alternatives
BILL, QuickBooks Cash Flow Planner, Ramp, StripeThree alternatives
Dryrun365, Excel/Google Sheets, PulseThree alternatives
CashFlowTool, Syft Analytics, Xero Built-In ForecastingKimi K2Cash Flow Frog, FloatAgicap, FloatChangedFloatWaveAgicap, Floatagainst: Causal, Cube, Mosaicagainst: Agicap, Board, Helu, Manual Excel Spreadsheets, companyon
Two alternatives
Quicken Business & Personal, TesorioThree alternatives
BILL, Melio, UpflowFour alternatives
Cash Flow Frog, Dryrun, LiveFlow, PulseTwo alternatives
Cash Flow Frog, FloatGLM 4.7 FlashXFloatagainst: AbacumForwardlyChangedFloatDibeinno first choiceagainst: Microsoft Excel
One alternative
FutrliFive alternatives
BILL, Billtrust, Chaser, Float, MelioFour alternatives
Causal, Fathom, Futrli, PulseFive alternatives
Cash Flow Frog, Excel/Google Sheets, Float, Spotlight Forecasting, U.S. Bank Cash Flow ToolMiniMax M2.5FloatBILL Accounts Receivable, ChaserChangedFloatCash Flow Frog, Lunosno first choiceagainst: Anaplan, Float, Google Sheets, Microsoft Excel, Workday Adaptive Planning
Five alternatives
Chaser, Futrli, Pulse, Tesorio, UpflowThree alternatives
Billtrust, Datarails, QontoThree alternatives
Agicap, Cube, TesorioTwo alternatives
Excel/Google Sheets, FloatGPT-6 LunaCash Flow FrogQuickBooks Online's Cash Flow PlannerChangedQuickBooks Online forecastingagainst: FloatPulseagainst: Floatno first choiceagainst: Fathom, Float, QuickBooks Cash Flow Planner, Xero Cash Flow Forecasting
One alternative
FloatOne alternative
CentimeThree alternatives
Cash Flow Frog, Fathom, PulseOne alternative
QuickBooks Cash Flow PlannerMuse Glimmer 30BFloatFloatHeldAgicap, FloatCash Flow Frogno first choiceagainst: Agicap, Board, Cube, Google Sheets, Helu, Kyriba, Lucanet, MYOB, Microsoft Excel, Pigment, QuickBooks Cash Flow Planner, Workday Adaptive Planning, Xero Cash Flow Forecasting, companyon
Three alternatives
Agicap, Chaser, TesorioFour alternatives
BILL, Chaser, Pulse, QuickBooks Cash Flow PlannerTwo alternatives
Dryrun, PulseSix alternatives
CashFlowTool, Dibein, Float, QuickBooks Cash Flow Planner, Spotlight Forecasting, WaveFive alternatives
Agicap, Brixx, Cash Flow Frog, Fathom, FloatBold 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. Full answer text is in the free responses file. Download the record
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 | 2026-10-01 10:13 | yes | 9 | 7 s |
| Direct recommendation | GPT-5.4 mini | gpt-5.4-mini-2026-03-17 | 2026-10-01 09:17 | yes | 4 | 5 s |
| Direct recommendation | Gemini 3.5 Flash | gemini-3.5-flash | 2026-10-01 11:21 | yes | 20 | 21 s |
| Direct recommendation | Perplexity Sonar | sonar | 2026-10-01 09:55 | yes | 18 | 3 s |
| Direct recommendation | Grok 4.1 Fast | spacexai/grok-4.1-fast-non-reasoning via vertex | 2026-10-01 11:05 | yes | 21 | 8 s |
| Direct recommendation | Mistral Small | mistral/mistral-small via mistral | 2026-10-01 11:14 | yes | 5 | 4 s |
| Direct recommendation | DeepSeek V4 Flash | deepseek/deepseek-v4-flash via deepinfra | 2026-10-01 09:20 | yes | 17 | 35 s |
| Direct recommendation | Llama 4 Maverick | meta/llama-4-maverick via bedrock | 2026-10-01 10:21 | yes | 5 | 2 s |
| Direct recommendation | Qwen 3.7 Flash | alibaba/qwen3.7-flash via alibaba | 2026-10-01 10:42 | no | 0 | 34 s |
| Direct recommendation | Kimi K2 | moonshotai/kimi-k2 via novita | 2026-10-01 10:51 | yes | 9 | 13 s |
| Direct recommendation | GLM 4.7 FlashX | zai/glm-4.7-flashx via zai | 2026-10-01 10:45 | yes | 24 | 43 s |
| Direct recommendation | MiniMax M2.5 | minimax/minimax-m2.5 via minimax | 2026-10-01 08:10 | yes | 10 | 39 s |
| Direct recommendation | GPT-6 Luna | gpt-6-luna | 2026-10-01 10:36 | yes | 2 | 25 s |
| Direct recommendation | Muse Glimmer 30B | meta/muse-glimmer-30b via togetherai | 2026-10-01 09:34 | yes | 11 | 17 s |
| Paraphrase | Claude Haiku 4.5 | claude-haiku-4-5-20251001 | 2026-10-01 10:59 | no | 0 | 4 s |
| Paraphrase | GPT-5.4 mini | gpt-5.4-mini-2026-03-17 | 2026-10-01 10:02 | yes | 2 | 5 s |
| Paraphrase | Gemini 3.5 Flash | gemini-3.5-flash | 2026-10-01 07:58 | yes | 11 | 21 s |
| Paraphrase | Perplexity Sonar | sonar | 2026-10-01 10:17 | yes | 31 | 2 s |
| Paraphrase | Grok 4.1 Fast | spacexai/grok-4.1-fast-non-reasoning via vertex | 2026-10-01 07:49 | yes | 24 | 8 s |
| Paraphrase | Mistral Small | mistral/mistral-small via mistral | 2026-10-01 08:38 | yes | 5 | 4 s |
| Paraphrase | DeepSeek V4 Flash | deepseek/deepseek-v4-flash via deepinfra | 2026-10-01 08:43 | yes | 23 | 26 s |
| Paraphrase | Llama 4 Maverick | meta/llama-4-maverick via bedrock | 2026-10-01 09:59 | yes | 5 | 2 s |
| Paraphrase | Qwen 3.7 Flash | alibaba/qwen3.7-flash via alibaba | 2026-10-01 08:11 | no | 0 | 36 s |
| Paraphrase | Kimi K2 | moonshotai/kimi-k2 via novita | 2026-10-01 11:00 | yes | 20 | 20 s |
| Paraphrase | GLM 4.7 FlashX | zai/glm-4.7-flashx via zai | 2026-10-01 08:04 | yes | 10 | 54 s |
| Paraphrase | MiniMax M2.5 | minimax/minimax-m2.5 via minimax | 2026-10-01 09:35 | yes | 13 | 31 s |
| Paraphrase | GPT-6 Luna | gpt-6-luna | 2026-10-01 09:38 | yes | 2 | 14 s |
| Paraphrase | Muse Glimmer 30B | meta/muse-glimmer-30b via togetherai | 2026-10-01 10:43 | yes | 23 | 27 s |
| Comparative | Claude Haiku 4.5 | claude-haiku-4-5-20251001 | 2026-10-01 10:46 | yes | 9 | 10 s |
| Comparative | GPT-5.4 mini | gpt-5.4-mini-2026-03-17 | 2026-10-01 10:18 | yes | 6 | 7 s |
| Comparative | Gemini 3.5 Flash | gemini-3.5-flash | 2026-10-01 10:25 | yes | 17 | 27 s |
| Comparative | Perplexity Sonar | sonar | 2026-10-01 07:59 | yes | 19 | 5 s |
| Comparative | Grok 4.1 Fast | spacexai/grok-4.1-fast-non-reasoning via vertex | 2026-10-01 09:11 | yes | 23 | 15 s |
| Comparative | Mistral Small | mistral/mistral-small via mistral | 2026-10-01 09:38 | yes | 20 | 11 s |
| Comparative | DeepSeek V4 Flash | deepseek/deepseek-v4-flash via deepinfra | 2026-10-01 08:35 | yes | 20 | 33 s |
| Comparative | Llama 4 Maverick | meta/llama-4-maverick via bedrock | 2026-10-01 08:56 | yes | 5 | 2 s |
| Comparative | Qwen 3.7 Flash | alibaba/qwen3.7-flash via alibaba | 2026-10-01 09:09 | yes | 17 | 108 s |
| Comparative | Kimi K2 | moonshotai/kimi-k2 via novita | 2026-10-01 08:01 | yes | 18 | 24 s |
| Comparative | GLM 4.7 FlashX | zai/glm-4.7-flashx via zai | 2026-10-01 09:41 | yes | 22 | 45 s |
| Comparative | MiniMax M2.5 | minimax/minimax-m2.5 via minimax | 2026-10-01 07:58 | yes | 11 | 23 s |
| Comparative | GPT-6 Luna | gpt-6-luna | 2026-10-01 10:17 | yes | 5 | 26 s |
| Comparative | Muse Glimmer 30B | meta/muse-glimmer-30b via togetherai | 2026-10-01 11:20 | yes | 13 | 29 s |
| Budget constrained | Claude Haiku 4.5 | claude-haiku-4-5-20251001 | 2026-10-01 09:36 | yes | 9 | 7 s |
| Budget constrained | GPT-5.4 mini | gpt-5.4-mini-2026-03-17 | 2026-10-01 08:58 | yes | 2 | 4 s |
| Budget constrained | Gemini 3.5 Flash | gemini-3.5-flash | 2026-10-01 10:34 | yes | 19 | 22 s |
| Budget constrained | Perplexity Sonar | sonar | 2026-10-01 08:53 | yes | 20 | 3 s |
| Budget constrained | Grok 4.1 Fast | spacexai/grok-4.1-fast-non-reasoning via vertex | 2026-10-01 09:37 | yes | 22 | 8 s |
| Budget constrained | Mistral Small | mistral/mistral-small via mistral | 2026-10-01 08:00 | yes | 5 | 3 s |
| Budget constrained | DeepSeek V4 Flash | deepseek/deepseek-v4-flash via deepinfra | 2026-10-01 07:55 | yes | 16 | 17 s |
| Budget constrained | Llama 4 Maverick | meta/llama-4-maverick via bedrock | 2026-10-01 11:26 | yes | 5 | 4 s |
| Budget constrained | Qwen 3.7 Flash | alibaba/qwen3.7-flash via alibaba | 2026-10-01 08:42 | yes | 9 | 17 s |
| Budget constrained | Kimi K2 | moonshotai/kimi-k2 via novita | 2026-10-01 10:21 | yes | 11 | 25 s |
| Budget constrained | GLM 4.7 FlashX | zai/glm-4.7-flashx via zai | 2026-10-01 10:45 | yes | 23 | 100 s |
| Budget constrained | MiniMax M2.5 | minimax/minimax-m2.5 via minimax | 2026-10-01 08:55 | yes | 10 | 18 s |
| Budget constrained | GPT-6 Luna | gpt-6-luna | 2026-10-01 08:18 | yes | 2 | 11 s |
| Budget constrained | Muse Glimmer 30B | meta/muse-glimmer-30b via togetherai | 2026-10-01 10:51 | yes | 14 | 22 s |
| Scale constrained | Claude Haiku 4.5 | claude-haiku-4-5-20251001 | 2026-10-01 08:08 | no | 0 | 6 s |
| Scale constrained | GPT-5.4 mini | gpt-5.4-mini-2026-03-17 | 2026-10-01 08:31 | no | 0 | 8 s |
| Scale constrained | Gemini 3.5 Flash | gemini-3.5-flash | 2026-10-01 10:34 | yes | 18 | 26 s |
| Scale constrained | Perplexity Sonar | sonar | 2026-10-01 07:44 | yes | 20 | 5 s |
| Scale constrained | Grok 4.1 Fast | spacexai/grok-4.1-fast-non-reasoning via vertex | 2026-10-01 08:37 | yes | 10 | 5 s |
| Scale constrained | Mistral Small | mistral/mistral-small via mistral | 2026-10-01 09:59 | no | 0 | 8 s |
| Scale constrained | DeepSeek V4 Flash | deepseek/deepseek-v4-flash via deepinfra | 2026-10-01 09:15 | yes | 24 | 44 s |
| Scale constrained | Llama 4 Maverick | meta/llama-4-maverick via bedrock | 2026-10-01 08:22 | yes | 5 | 2 s |
| Scale constrained | Qwen 3.7 Flash | alibaba/qwen3.7-flash via alibaba | 2026-10-01 09:25 | no | 0 | 36 s |
| Scale constrained | Kimi K2 | moonshotai/kimi-k2 via novita | 2026-10-01 10:55 | yes | 19 | 24 s |
| Scale constrained | GLM 4.7 FlashX | zai/glm-4.7-flashx via zai | 2026-10-01 07:37 | yes | 9 | 25 s |
| Scale constrained | MiniMax M2.5 | minimax/minimax-m2.5 via minimax | 2026-10-01 11:27 | yes | 5 | 30 s |
| Scale constrained | GPT-6 Luna | gpt-6-luna | 2026-10-01 08:49 | yes | 3 | 17 s |
| Scale constrained | Muse Glimmer 30B | meta/muse-glimmer-30b via togetherai | 2026-10-01 08:04 | yes | 12 | 24 s |
| Negative framing | Claude Haiku 4.5 | claude-haiku-4-5-20251001 | 2026-10-01 11:11 | yes | 15 | 10 s |
| Negative framing | GPT-5.4 mini | gpt-5.4-mini-2026-03-17 | 2026-10-01 09:05 | no | 0 | 5 s |
| Negative framing | Gemini 3.5 Flash | gemini-3.5-flash | 2026-10-01 09:27 | yes | 24 | 25 s |
| Negative framing | Perplexity Sonar | sonar | 2026-10-01 09:22 | yes | 27 | 3 s |
| Negative framing | Grok 4.1 Fast | spacexai/grok-4.1-fast-non-reasoning via vertex | 2026-10-01 08:00 | yes | 23 | 8 s |
| Negative framing | Mistral Small | mistral/mistral-small via mistral | 2026-10-01 08:49 | yes | 5 | 4 s |
| Negative framing | DeepSeek V4 Flash | deepseek/deepseek-v4-flash via deepinfra | 2026-10-01 07:36 | yes | 18 | 35 s |
| Negative framing | Llama 4 Maverick | meta/llama-4-maverick via bedrock | 2026-10-01 08:36 | yes | 5 | 1 s |
| Negative framing | Qwen 3.7 Flash | alibaba/qwen3.7-flash via alibaba | 2026-10-01 07:50 | no | 0 | 35 s |
| Negative framing | Kimi K2 | moonshotai/kimi-k2 via novita | 2026-10-01 08:58 | yes | 23 | 27 s |
| Negative framing | GLM 4.7 FlashX | zai/glm-4.7-flashx via zai | 2026-10-01 08:16 | yes | 17 | 89 s |
| Negative framing | MiniMax M2.5 | minimax/minimax-m2.5 via minimax | 2026-10-01 08:54 | yes | 16 | 34 s |
| Negative framing | GPT-6 Luna | gpt-6-luna | 2026-10-01 08:48 | yes | 4 | 20 s |
| Negative framing | Muse Glimmer 30B | meta/muse-glimmer-30b via togetherai | 2026-10-01 07:58 | yes | 16 | 38 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
Adaptive Insights read as Workday Adaptive Planning
BILL AP/AR read as BILL
BILL.com read as BILL
Bill.com read as BILL
Excel read as Microsoft Excel
NetSuite read as Oracle NetSuite
QuickBooks 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
QuickBooks Online (QBO) read as QuickBooks Cash Flow Planner
SAP read as SAP Treasury and Risk Management
Workday read as Workday Adaptive Planning
Workday Adaptive read as Workday Adaptive Planning
Xero read as Xero Cash Flow Forecasting
Xero (Short-Term Cash Flow) read as Xero Cash Flow Forecasting
Xero (built-in) read as Xero Cash Flow Forecasting
Unresolved, counted raw
Banktrack
Commitly
Cubes Software
Cushion
Dryrun365
Excel spreadsheets or free templates
Finban
FloCash
Float Finance
FlowCast
Guideflow Blog
Manual Excel Spreadsheets
Mosaic Data Science
Oracle Cloud
PNC Cash Flow Insight®
QuickBooks Online forecasting
QuickBooks Online's Cash Flow Planner
The 13-Week Cash Flow Spreadsheet
U.S. Bank Cash Flow Tool
Xero Built-In Forecasting
Discontinued, still offered
No shut-down product was recommended here.