Best cash flow forecasting software
Seven cash flow forecasting vendors with an Accountio profile, side by side.
See all 188 FP&A and Forecasting tools in the directory →
Listed alphabetically. Accountio does not rank vendors, and a featured listing does not change the order.
Cash flow forecasting software projects cash coming in and going out from bank, ERP, payables and receivables data, and lets finance teams model scenarios. The seven vendors here fall into two groups: treasury and cash management platforms (Centime, Embat, Panax and Payflows) that forecast from live bank and ERP data, and FP&A platforms (Abacum, Aleph and Pigment) that build forecasting into the wider plan. Which one fits depends on how far ahead you forecast, where the data sits and who owns the model.
Cash flow forecasting software at a glance
| Vendor | Best for | Founded and HQ | Customers | Pricing |
|---|---|---|---|---|
 Abacum | FP&A and finance teams at mid-market, high-growth companies and scaling enterprises | Founded 2020; headquartered in New York, with offices in Barcelona, Toronto and Buenos Aires | Hundreds of mid-market companies in 31 countries (June 2025), including Strava, Aiven, JG Wentworth and Mastercam | Not published |
 Aleph | Finance and FP&A teams that keep working in Excel and Google Sheets; solutions for PE-backed and VC-backed companies, PE funds and fractional CFOs | Not published | Hundreds of finance teams, including Zapier, Turo, Harvey and Chess.com | Not published; free full-access trial and demo on request |
 Centime | Growing mid-market businesses with US$10m to US$250m in revenue | 2022; headquarters not published | Named customers include Synergy HomeCare, FC Cincinnati, Erdman Holdings, JobGet and CyberMaxx; count not published | Not published |
 Embat | Medium-sized and large companies across sectors, for their finance and treasury teams | 2021; Madrid, Spain (offices in London, Berlin and Munich) | Customer stories include Wallapop, Fever, SeQura and Parlem; no customer count published | Quote on request; modular plans priced to the modules selected |
 Panax | Lean finance teams with complex treasury operations; CFOs, finance teams and treasury teams | 2022; Tel Aviv, Israel | Customer stories include Optimove, GoGlobal, Rotovia and Beachwold Residential; no customer count published | Quote on request; three plans (Start, Grow, Pro) on a yearly contract priced by number and complexity of bank, platform and ERP connections |
 Payflows | Enterprise finance, procurement and treasury teams that want to keep their existing ERP | 2022; Paris, France | Named customers include Feedzai, Spendesk, Electra, Swile, Evaneos and Homa | Not published |
 Pigment | Finance, sales, HR and supply chain teams at enterprises | 2019; Paris, France | Unilever, Snowflake, Siemens and Anthropic; approaching US$100m ARR (Mar 2026) | Not published; demo on request |
The seven vendors
In alphabetical order. “Not published” means the vendor does not state it.
Abacum
Best for: FP&A and finance teams at mid-market, high-growth companies and scaling enterprises
FP&A platform: planning, forecasting, scenario modelling, headcount planning and automated reporting, bringing financial and operational data into one place.
- Founded and HQ
- Founded 2020; headquartered in New York, with offices in Barcelona, Toronto and Buenos Aires
- Ownership
- Venture-backed; US$100m raised, including a US$60m Series B (June 2025) led by Scale Venture Partners
- Customers
- Hundreds of mid-market companies in 31 countries (June 2025), including Strava, Aiven, JG Wentworth and Mastercam
- Pricing
- Not published
- How it runs
- Customers in 31 countries; offices in the US, Spain, Canada and Argentina
- Good to know
- Founded by two former CFOs, Julio Martínez and Jorge Lluch; headcount planning built in
Aleph
Best for: Finance and FP&A teams that keep working in Excel and Google Sheets; solutions for PE-backed and VC-backed companies, PE funds and fractional CFOs
AI-native FP&A platform: 150+ no-code data connectors for ERP, HRIS and CRM data, Excel and Google Sheets add-ins, dashboards, reporting, budgeting, forecasting and headcount planning, with AI agents.
- Founded and HQ
- Not published
- Ownership
- Venture-backed; US$29m Series B (Sep 2025) led by Khosla Ventures with Picus Capital, Bain Capital Ventures and Y Combinator; US$46m raised in total
- Customers
- Hundreds of finance teams, including Zapier, Turo, Harvey and Chess.com
- Pricing
- Not published; free full-access trial and demo on request
- How it runs
- Cloud web platform with Excel and Google Sheets add-ins; SOC 2 Type 2 certified
- Good to know
- Excel and Google Sheets add-ins; SOC 2 Type 2 certified
Centime
Best for: Growing mid-market businesses with US$10m to US$250m in revenue
Cash management embedded in the ERP: accounts payable, accounts receivable, a rolling 13-week cash forecast, expenses, business banking and treasury management.
- Founded and HQ
- 2022; headquarters not published
- Ownership
- Not published
- Customers
- Named customers include Synergy HomeCare, FC Cincinnati, Erdman Holdings, JobGet and CyberMaxx; count not published
- Pricing
- Not published
- How it runs
- Embedded in the ERP; banking products provided by FNBO, Member FDIC
- Good to know
- Rolling 13-week forecast from AP, AR and bank data in real time; SOC 2 Type II
Embat
Best for: Medium-sized and large companies across sectors, for their finance and treasury teams
Cloud treasury management platform: real-time cash positions, forecasting, bank and PSP reconciliation, and payment execution, with the TellMe AI agent.
- Founded and HQ
- 2021; Madrid, Spain (offices in London, Berlin and Munich)
- Ownership
- Private, venture-backed; Series B, €30m (May 2026); investors include Cathay Innovation, Creandum, Samaipata, Venture Friends and 4Founders Capital
- Customers
- Customer stories include Wallapop, Fever, SeQura and Parlem; no customer count published
- Pricing
- Quote on request; modular plans priced to the modules selected
- How it runs
- Cloud-native; offices in Spain, the UK and Germany; site in English, German and Spanish; payments in over 50 currencies
- Good to know
- Real-time cash visibility across banks and entities, scenario planning and deviation alerts
Panax
Best for: Lean finance teams with complex treasury operations; CFOs, finance teams and treasury teams
AI-native treasury and cash management platform that connects bank and ERP data and runs AI agents for forecasting, reconciliation, reporting and payments.
- Founded and HQ
- 2022; Tel Aviv, Israel
- Ownership
- Private, venture-backed; Series A, US$10m from Team8 and TLV Partners
- Customers
- Customer stories include Optimove, GoGlobal, Rotovia and Beachwold Residential; no customer count published
- Pricing
- Quote on request; three plans (Start, Grow, Pro) on a yearly contract priced by number and complexity of bank, platform and ERP connections
- How it runs
- Serves lean finance teams worldwide; over 10,000 banks supported globally
- Good to know
- AI-assisted forecasting from ERP history, assumptions and scenarios on the Pro plan
Payflows
Best for: Enterprise finance, procurement and treasury teams that want to keep their existing ERP
AI finance platform of sub-ledgers for procurement, vendor and contract management, accounts payable and treasury.
- Founded and HQ
- 2022; Paris, France
- Ownership
- Private (Payflows SAS); Series A of €25m (April 2024)
- Customers
- Named customers include Feedzai, Spendesk, Electra, Swile, Evaneos and Homa
- Pricing
- Not published
- How it runs
- Cloud, hosted in Ireland (Amazon Data Services Ireland); multi-entity and multi-currency; roles in Paris and New York
- Good to know
- AI cash flow forecasts from ERP and bank data, with scenario modelling and variance tracking
Pigment
Best for: Finance, sales, HR and supply chain teams at enterprises
AI business planning and performance management: budgeting and forecasting, financial statements, headcount, sales capacity and territory planning, and S&OP.
- Founded and HQ
- 2019; Paris, France
- Ownership
- Venture-backed; US$145m Series D led by ICONIQ Growth (Apr 2024), with IVP, Meritech, Greenoaks and Felix Capital
- Customers
- Unilever, Snowflake, Siemens and Anthropic; approaching US$100m ARR (Mar 2026)
- Pricing
- Not published; demo on request
- How it runs
- Cloud, including a French sovereign cloud option; offices in Paris, New York and Toronto; North America is its largest market
- Good to know
- Cloud, including a French sovereign cloud option
Related tools
Planning, treasury and collections tools that finance teams look at alongside cash forecasting.
How to choose cash flow forecasting software
- How far ahead do you forecast, and how often does the forecast need to refresh?Centime keeps a rolling 13-week forecast that stays current. Embat gives real-time cash visibility across banks and entities. Abacum, Aleph and Pigment cover planning and forecasting across the business.
- Where does the data come from: bank accounts, the ERP, payables and receivables, or spreadsheets?Centime builds its forecast from AP, AR and bank data, Payflows from ERP and bank data, and Panax from ERP history and assumptions. Aleph brings ERP, HRIS and CRM data into Excel and Google Sheets.
- Do you need treasury work alongside the forecast, such as payments and reconciliation?Centime, Embat, Panax and Payflows also run payments; Embat, Panax and Payflows add reconciliation. Abacum, Aleph and Pigment focus on planning, forecasting and reporting.
- Who builds and owns the model: finance alone, or finance with other teams?Pigment plans for finance, sales, HR and supply chain teams; Abacum adds headcount planning; Aleph works inside Excel and Google Sheets.
Compare further
Common questions
What does cash flow forecasting software do?+
It pulls bank, ERP, payables and receivables data into a forecast of cash coming in and going out, and lets finance teams model scenarios and track variances against the forecast.
How much does cash flow forecasting software cost?+
None of the seven vendors here publish prices. Embat prices modular plans to the modules selected; Panax sells three plans (Start, Grow, Pro) on a yearly contract, priced by the number and complexity of connections; Aleph offers a free full-access trial.
Is cash flow forecasting software the same as FP&A software?+
They overlap. Treasury and cash management platforms such as Centime, Embat, Panax and Payflows forecast cash from live bank and ERP data, Centime over a rolling 13 weeks; FP&A platforms such as Abacum, Aleph and Pigment build forecasts into budgets, headcount plans and reporting.
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