10 AI Financial Forecasting Tools for Cash Flow and Runway
Plan your cash and runway before the money runs short.
Key Takeaways
- Easiest cash flow trial: Float
- Lowest dollar price: Pulse, $29
- Rupee pricing: Zoho Books
- Spreadsheet fans: Cube, Datarails
The 10 best AI financial forecasting tools in 2026 help a startup see its cash, runway and next quarter before the money runs short.
Top 10 AI financial forecasting tools at a glance
| Tool | Best for | Free plan |
|---|---|---|
| 1. Fathom | Reporting and cash flow forecasts for accountants | Trial only |
| 2. Float | Live cash flow forecast | Trial only |
| 3. Pulse | Simple cash flow for small firms | Trial only |
| 4. Jirav | Driver-based forecasting | No |
| 5. Cube | FP&A inside spreadsheets | Trial only |
| 6. Fuelfinance | AI agents for finance | No |
| 7. Datarails | FP&A that keeps Excel | No |
| 8. Abacum | AI-native business planning | No |
| 9. Planful | Planning, close and reporting | No |
| 10. Zoho Books | Rupee pricing for Indian firms | Yes |
Jump toFathomFloatPulseJiravCubeFuelfinanceDatarailsAbacumPlanfulZoho Books
The 10 best AI financial forecasting tools in 2026
Every tool below was compared using its own official website. Most of them are built for finance teams, so prices are often shown only on request.
1. Fathom
Fathom combines reporting, cash flow forecasting and financial analysis in one tool. It connects to QuickBooks, Xero, MYOB and Sage, and its Commentary Writer adds AI commentary to reports.
Best for: Accountants and advisers managing several client companies
Free plan: 14-day free trial
Price: Fathom Pro from $450 a month, with 25 companies included
Website: fathomhq.com
2. Float
Float connects to your accounting software and turns live transaction data into a rolling cash flow forecast. It works with Xero and QuickBooks Online.
Best for: Finance teams that need a rolling cash flow view
Free plan: 14-day free trial, no credit card required
Price: Listed in GBP, USD, AUD and EUR on the Float website
Website: floatapp.com
3. Pulse
Pulse is a web-based cash flow management and projection tool for small businesses. It connects to QuickBooks Online so projections stay in sync with actuals.
Best for: Small businesses that use QuickBooks Online
Free plan: 30-day free trial
Price: Pulse Basics $29, Small Business Plan $59 and Premium $89 a month
Website: pulseapp.com
4. Jirav
Jirav is an all-in-one tool for forecasting, budgeting, reporting and dashboards. Its forecasts cover the P&L, balance sheet and cash flow statement.
Best for: Accounting firms and growing businesses
Free plan: No free plan, demo on request
Price: Listed on the Jirav website
Website: jirav.com
5. Cube
Cube calls itself an agentic FP&A platform. It delivers numbers in Excel, Google Sheets, Slack, Teams and PowerPoint, and offers an MCP server for AI assistants.
Best for: Teams that plan in spreadsheets
Free plan: Free trial button on the website
Price: Bronze, Silver and Gold plans, quoted for your company
Website: cubesoftware.com
6. Fuelfinance
Fuelfinance is an agentic finance platform with agent teams for analysis, forecasting, controlling and treasury. It syncs with over 350 apps, and a person approves every output.
Best for: Finance teams that want AI agents
Free plan: No free plan, book a demo
Price: Tailored to your business, no public prices
Website: fuelfinance.me
7. Datarails
Datarails is a FinanceOS for finance teams that works with Excel-connected models. It covers FP&A and offers Datarails AI, insights and anomaly detection.
Best for: Finance teams that live in Excel
Free plan: No free trial, request a demo
Price: Professional, Premium and Expert plans, by quote
Website: datarails.com
8. Abacum
Abacum is a business planning platform with an AI agent called Abra. Its AI features include AI forecasting and AI scenario planning.
Best for: Teams that want AI-led planning
Free plan: No free plan, book a demo
Price: Not shown on the website, book a demo
Website: abacum.ai
9. Planful
Planful connects planning, close, consolidation and reporting in one financial performance management platform. Its Planner assistant builds forecasts and models what-if scenarios.
Best for: Finance teams that want planning, close and reporting in one platform
Free plan: No free plan, book a demo
Price: Book a demo to ask about pricing
Website: planful.com
10. Zoho Books
Zoho Books is accounting software with cashflow forecasting on its Premium plan. It has an India site with prices in rupees.
Best for: Indian businesses that want accounting plus a forecast
Free plan: Free plan for revenue under Rs 25 lakh; 14-day free trial on paid plans
Price: Premium Rs 3,599 a month, or Rs 2,999 a month billed annually
Website: zoho.com/in/books
How to choose the right forecasting tool for a startup
Start with where your numbers live. If you keep books in QuickBooks or Xero, Float, Pulse and Fathom connect to them. If your team plans in spreadsheets, look at Cube and Datarails. If you want to pay in rupees, Zoho Books is the one with an India price list.
Then check how you can buy. Fathom, Float and Pulse offer a free trial. Most of the others ask you to book a demo, so plan a short call before you decide.
Final verdict
For a small startup, start with a free trial: Float or Pulse for cash flow, or Fathom if you work with an accountant. Indian businesses that want rupee billing can begin with Zoho Books. Pick one, connect your accounts and review the forecast every week.
