8 Best Cash Forecasting Tools in 2026

Cash forecasting is the single most valuable thing a finance team does, and the hardest to get right. The best cash forecasting tools pull live data from banks and the ERP, apply AI or machine learning to project inflows and outflows, and update continuously, instead of the hand-built spreadsheet that breaks the moment a bank feed changes.

This guide compares the eight best cash forecasting tools in 2026, from AI-native platforms to enterprise treasury suites. For each, we cover what it does best, who it fits, and where it falls short. For the mechanics of how the technology works, see our companion guide to AI cash flow forecasting.

What Are the Best Cash Forecasting Tools?

The best cash forecasting tools in 2026 are HighRadius and Tesorio for AI-driven accuracy, Trovata for multibank visibility, Nilus for explainable forecasting, Agicap for European mid-market cash management, Kyriba and GTreasury for enterprise treasury, and Concourse for teams that want AI agents to run forecasting end to end on their existing systems.

Concourse is the AI-agent pick on this list. Instead of another dashboard, Concourse deploys autonomous finance agents that connect to your ERP, data warehouse, and banking data to build and refresh cash forecasts, run variance analysis, and produce liquidity reporting, with every number traceable back to source. It is built for finance teams that want AI to own the work, not just chart it.

Why Cash Forecasting Tools Matter

Treasury owns the most consequential question in finance, how much cash will we have and when, and most teams still answer it with tools that can’t keep up.

Forecasting is a top unsolved priority. In the Deloitte Global Corporate Treasury Survey, based on 213 treasury leaders worldwide, treasurers continue to name improving cash flow forecasting a top priority, with visibility across disparate bank and ERP systems a core challenge in building a reliable view.

The category is growing fast for a reason. The cash flow forecasting software market is projected to grow from about $1.2 billion in 2025 to $2.5 billion by 2034, a 9.2% compound annual rate, according to Verified Market Reports, driven largely by the shift from spreadsheets to AI- and machine-learning-based forecasting. A purpose-built tool that pulls live data and applies AI is how teams close the accuracy gap.

How We Evaluated Cash Forecasting Tools

No single tool is best for everyone. A global enterprise and a B2B SaaS startup have different forecasting problems. We compared tools across six criteria that change the buying decision.

• Data connectivity. How well it pulls live data from banks, the ERP, billing, and AR/AP.
• Forecasting method. AI/ML approach, and whether it models timing at the transaction or invoice level.
• Horizon. From a daily or 13-week view to longer-range planning.
• Automation & execution. Does it just forecast, or also run the analysis and actions around it?
• Explainability & auditability. Can you explain a forecast to leadership and trace it to source?
• Fit. Ideal company size, sector, and finance stack.

Cash Forecasting Tools Compared

The 8 Best Cash Forecasting Tools in 2026

1. Concourse, Best for AI Agents That Run Forecasting End to End

Concourse is an AI agent platform for corporate finance that connects directly to your ERP, data warehouse, billing, and banking data and runs forecasting as an autonomous workflow. Its agents build and refresh cash forecasts, run variance and flux analysis, and produce liquidity and board reporting on a schedule, rather than handing an analyst a dashboard to interpret.

What sets it apart is the execution model and traceability. Every forecast output traces back to source data and is validated against evals built for your business, which answers finance’s biggest objection to AI: whether you can defend the number to a board or auditor. It also works on the systems you already have, so there is no multi-year implementation.

Concourse reports customer results including a 75% reduction in manual work and 20+ hours saved per user per month, is SOC 2 Type II certified, and connects to 100+ systems including NetSuite, QuickBooks, Snowflake, Salesforce, and Stripe.

Best for. Finance and treasury teams that want AI agents to run forecasting, variance, and reporting on their existing stack, with full traceability.

Keep in mind. Concourse is an execution and analysis layer, not a bank-connectivity-and-payments TMS. If you need SWIFT rails or in-house banking, run it alongside a TMS. See how it applies AI agents to treasury workflows.

2. HighRadius, Best for AI Cash Forecasting at Enterprise Scale

HighRadius is an order-to-cash and treasury platform positioned as the AI-first cash-forecasting specialist, with agentic features across forecasting, cash application, and collections. It advertises up to 95% forecasting accuracy and is built for global enterprises with complex, high-volume operations, per its own treasury systems roundup.

Best for. Global enterprises ($500M+) with complex treasury and high transaction volume.

Keep in mind. Accuracy claims depend on data quality, and the platform is heavier than a focused forecasting tool.

3. Tesorio, Best for AR-Native Forecasting in B2B SaaS

Tesorio takes a different angle: it forecasts from the bottom up, using invoice-level machine learning trained on real customer payment behavior. It describes itself as "the leading AR-native cash flow forecasting platform for B2B SaaS companies," advertising 95% accuracy on 13-week rolling forecasts.

Best for. B2B SaaS and enterprise teams ($20M–$1B ARR) whose forecast error traces to unpredictable customer payments.

Keep in mind. Its center of gravity is AR-driven forecasting rather than full treasury operations.

4. Trovata, Best for Modern Multibank Cash Visibility

Trovata is a cloud, API-native platform focused on real-time multibank cash visibility, with AI/ML forecasting on top of aggregated bank data. After acquiring ATOM in 2025 it expanded into broader TMS coverage. Its strength is fast, current visibility for mid-market teams.

Best for. Mid-market corporate treasury teams that want modern, quick-to-deploy multibank visibility and forecasting.

Keep in mind. Some users find its forecasting depth trails specialist tools, especially across complex data streams.

5. Nilus, Best for Explainable, Driver-Based Forecasting

Nilus is an AI-native treasury platform that stands out when teams need forecasts they can explain, tied to underlying drivers and concrete actions rather than a black-box number. Its buyer’s guide positions it for PE-backed and multi-entity teams that need policy-backed liquidity decisions.

Best for. PE-backed and multi-entity organizations that need explainable, policy-driven forecasts.

Keep in mind. It is a newer, narrower platform, so validate coverage for your bank and ERP mix.

6. Agicap, Best for European Mid-Market Cash Management

Agicap is an AI-powered cash management platform that connects banks, ERPs, and AP/AR into short-term liquidity planning and forecasting. It serves SMBs and mid-market companies, with 8,000+ clients across 12 countries in Europe, and bundles forecasting with payments, collections, and reconciliation.

Best for. European SMB and mid-market companies that want cash forecasting inside a broader liquidity platform.

Keep in mind. It is strongest in Europe, and lighter on the deepest enterprise-treasury needs.

7. Kyriba, Best for Forecasting Inside an Enterprise TMS

Kyriba is one of the most widely deployed enterprise treasury management systems, with embedded AI forecasting alongside bank connectivity, payments, and risk. For large multinationals that want forecasting as part of a complete, governed platform, it is a natural choice. If you are cross-shopping suites, see our guide to Kyriba alternatives.

Best for. $1B+ multinationals that want forecasting inside a full enterprise TMS.

Keep in mind. Cost and implementation effort are significant, and it is overkill for a forecasting-only need.

8. GTreasury (Ripple Treasury), Best for Enterprise Treasury + Payments

GTreasury is a long-established enterprise TMS with AI forecasting, exposure management, and risk workflows. In late 2025, Ripple acquired GTreasury for $1 billion and launched Ripple Treasury, pairing the TMS with a modern payments network.

Best for. Mid-market to enterprise treasuries that want forecasting alongside centralized treasury and payments.

Keep in mind. The Ripple integration is still maturing, so evaluate the current roadmap.

Which Cash Forecasting Tool Is Right for You?

There is no single best cash forecasting tool. There is the best fit for your size, sector, and biggest source of forecast error. Here is the short version.

• Choose Concourse if you want AI agents to run forecasting, variance, and reporting on your existing systems, with every number traceable.
• Choose HighRadius if you’re a global enterprise needing AI forecasting at high transaction volume.
• Choose Tesorio if you’re B2B SaaS and your forecast error comes from customer payment timing.
• Choose Trovata if you’re mid-market and want fast multibank visibility with forecasting.
• Choose Nilus if explainable, driver-based forecasting matters most.
• Choose Agicap if you’re a European SMB or mid-market team.
• Choose Kyriba or GTreasury if you want forecasting inside a complete enterprise TMS.

Frequently Asked Questions

What is the best cash forecasting tool?

It depends on your size and where your forecast error comes from. HighRadius and Tesorio lead on AI-driven accuracy, Trovata on multibank visibility, and Kyriba or GTreasury for enterprise TMS-based forecasting. For teams that want AI agents to run forecasting end to end on their existing systems with full traceability, Concourse is the strongest AI-agent option.

What is the best cash forecasting tool for a SaaS company?

For B2B SaaS, Tesorio is purpose-built, forecasting from invoice-level payment behavior. Concourse is also a strong fit for SaaS finance teams that want AI agents to run forecasting alongside variance analysis and reporting on their existing billing and ERP data.

Can cash forecasting software replace spreadsheets?

Yes, and it should. Spreadsheets don’t refresh bank feeds, break silently, and depend on manual, inconsistent inputs from across the business. Software that pulls live bank and ERP data and applies AI/ML removes the manual refresh, versioning, and formula errors that make spreadsheet forecasts unreliable, which is a big reason the category is growing at roughly 9% a year.

Do I need a treasury management system for cash forecasting?

Not necessarily. Enterprise TMS suites include forecasting, but dedicated tools and AI-agent platforms like Concourse deliver it without a full TMS implementation. Match the tool to your need: a full TMS for connectivity and payments, or a lighter forecasting-first tool if that’s your priority.

The Bottom Line

Cash forecasting has outgrown the spreadsheet. With forecasting consistently rated among the hardest jobs on the treasury desk, the teams that win connect live data and forecast with AI. The right tool depends on your size, sector, and where your error comes from.

If you want AI agents to run forecasting on the systems you already have, with every number traceable and board-ready, book a demo of Concourse and put an agent on your next forecast.