Os 10 Melhores Softwares de Previsão do Fluxo de Caixa Analisados em 2026

Análise do melhor software de previsão de fluxos de caixa

1. 

   1

   Vena

   Best for what-if scenarios for enterprises

   • Free demo available
   • Pricing upon request

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   Customer Rating:4.5/5This rating combines scores from multiple user review sites to reflect overall customer sentiment about the product.

   

   Vena is a finance planning and analysis platform that helps your business connect budgeting, forecasting, and reporting into one connected process. It uses familiar Excel spreadsheet interfaces combined with a centralized database to make your financial data accurate and accessible.

   Why I picked Vena: I picked Vena because it’s designed to give you visibility and control over your cash flow forecasting through its unified financial planning approach. Its predictive forecasting capabilities let you model multiple “what-if” scenarios, helping you understand how different variables affect your liquidity and future cash position. Vena also connects actuals and forecasts in one dynamic model, so your cash flow projections stay accurate as conditions change. Built-in workflow automation keeps your forecasting cycle consistent and auditable, while audit trails and data validation ensure your numbers can be trusted.

   Standout features & integrations:

   Features include continuous planning capabilities that automatically update your forecasts when new data comes in, so your cash flow projections stay current. The platform also includes driver-based modeling that lets you link business metrics directly to cash flow outcomes, helping you see how operational changes impact liquidity.

   Integrations include Microsoft Excel, Microsoft Dynamics, NetSuite, Sage Intacct, QuickBooks, Salesforce, SAP, Workday, and Power BI.

   Pros and Cons

   Pros:

   • Predictive modeling helps anticipate future cash trends
   • Familiar Excel-based interface reduces learning curve
   • Real-time data updates improve forecast accuracy

   Cons:

   • Setup and implementation can be time-intensive
   • Heavy reliance on Excel environment
   Learn more about Vena:

   • Check out Vena on their website
   • Read my in-depth review of Vena
2. 

   2

   Fathom

   Best for visual reporting

   • 7-day free trial + free demo available
   • From $15/month

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   Customer Rating:4.6/5This rating combines scores from multiple user review sites to reflect overall customer sentiment about the product.

   

   Fathom is a financial analysis and reporting tool, primarily used by small to medium-sized businesses and accountants. It offers key business functions such as generating visual financial reports and providing insights into cash flow performance.

   Why I picked Fathom: Fathom excels in visual reporting, offering features like customizable dashboards and detailed financial analytics. To start, the platform gives users the ability to generate clear visual representations of financial performance to help them better identify trends. Along with these insights, you can create accompanying visually appealing reports that make complex financial data easy to understand. 

   Standout features & integrations:

   Features include in-depth financial analysis, custom management reporting, and fast consolidated reporting. You can also create accurate cash flow forecasts and plans, with capabilities for scenario planning and driver-based budgeting. 

   Integrations include QuickBooks, Xero, MYOB, Excel, and Google Sheets.

   Pros and Cons

   Pros:

   • Scenario planning options
   • Multi-currency support
   • Driver-based budgeting

   Cons:

   • Limited advanced features
   • Learning curve for new users
   Learn more about Fathom:

   • Check out Fathom on their website
   • Read my in-depth review of Fathom
3. 

   3

   Anaplan

   Best for complex cashflow modeling

   • Free demo available
   • Pricing upon request

   Visit Website

   Customer Rating:4.5/5This rating combines scores from multiple user review sites to reflect overall customer sentiment about the product.

   

   Anaplan is an AI-driven scenario planning and analysis platform that covers financial modeling, cashflow forecasting, financial consolidation, and reporting across finance, sales, supply chain, and HR functions.

   Who Is Anaplan Best For?

   Anaplan is a strong fit for large enterprises with complex, multi-department planning needs that require coordinated cashflow modeling across global teams.

   Why I Picked Anaplan

   I picked Anaplan as one of the best because it's one of the few platforms built to handle cashflow modeling across multiple business functions at once. What I find compelling is its multidimensional modeling engine, which lets my team build and run complex cashflow scenarios that pull live data from finance, supply chain, and sales in a single model. I also rely on its Integrated Financial Planning application, which connects P&L, balance sheet, and cashflow forecasts so that changes in one area automatically ripple through the rest of the model.

   Anaplan Key Features

   • Rolling forecasts: Model and update cashflow forecasts on a continuous basis without being locked into static annual planning cycles.
   • Anaplan Intelligence: Use generative and agentic AI to automate forecasting tasks and surface cashflow insights from across your financial data.
   • Management reporting and analytics: Build and distribute financial and non-financial performance reports to stakeholders directly within the platform.
   • Specialty finance processes: Model planning techniques such as zero-based budgets and profitability analysis alongside your cashflow forecasts.

   Anaplan Integrations

   Anaplan connects with third-party data sources through its own connectors for Salesforce, Power BI Desktop, Informatica Cloud, MuleSoft, and Dell Boomi. It also offers extensions for Microsoft 365, Google Sheets, and Excel. An API and the Anaplan Data Orchestrator are available for custom integrations.

   Pros and Cons

   Pros:

   • Handles very large financial data volumes
   • Supports concurrent multi-user forecast editing
   • Multi-department scenario modeling in real time

   Cons:

   • Granular reporting capabilities feel limited
   • Complex data upload and import process
   Learn more about Anaplan:

   • Check out Anaplan on their website
   • Read my in-depth review of Anaplan
4. 

   4

   Xero

   Best for integration options

   • 1-month free trial available
   • From $27/month

   Visit Website

   Customer Rating:4.4/5This rating combines scores from multiple user review sites to reflect overall customer sentiment about the product.

   

   Xero is an accounting software platform designed for small to medium-sized businesses. It provides essential financial functions like cash flow forecasting, invoicing, and payroll management.

   Why I picked Xero: Xero offers extensive integration options, making it highly adaptable to your existing systems. It connects with a wide range of third-party applications to enhance its functionality, eliminating the need for manual data entry. This type of integration also ensures that forecasts are always based on up-to-date figures from invoices, bills, payroll, and bank account feeds.

   Standout features & integrations:

   Features include real-time financial reporting, customizable dashboards, and automated bank feeds. The software also supports multi-currency transactions, which is great for businesses operating globally.

   Integrations include PayPal, Stripe, Shopify, Square, HubSpot, Salesforce, Gusto, Mailchimp, and Vend.

   Pros and Cons

   Pros:

   • Real-time financial data
   • Customizable dashboards
   • Automated bank feeds

   Cons:

   • Steeper learning curve
   • Limited customization options
   Learn more about Xero:

   • Check out Xero on their website
   • Explore best alternatives to Xero
5. 

   5

   Cube

   Best for strategic finance teams

   • Free demo available
   • Pricing upon request

   Visit Website

   Customer Rating:4.5/5This rating combines scores from multiple user review sites to reflect overall customer sentiment about the product.

   

   Cube is an FP&A platform that layers a centralized data model on top of Excel and Google Sheets, supporting budgeting, forecasting, and financial consolidation without replacing your existing spreadsheet workflows.

   Who Is Cube Best For?

   Cube is a strong fit for FP&A teams at mid-sized companies that want a purpose-built planning layer without abandoning their existing spreadsheet workflows.

   Why I Picked Cube

   I've included Cube in my top picks because it's the only FP&A platform that lets my team keep working in their existing Excel and Google Sheets models while connecting them to a centralized data layer. What I really like is Cube's scenario planning module, which lets me build and compare multiple cash flow scenarios side by side without duplicating spreadsheets. I also use Cube's variance analysis workflows to track actuals against forecasts in real time, directly inside the spreadsheet interface my team already knows.

   Cube Key Features

   • Driver-based modeling: Build cash flow forecasts from underlying business drivers like headcount, revenue cohorts, and ARR, rather than entering numbers manually.
   • Trace to Truth drill-through: Drill from any top-line cash metric down to the specific GL transaction that produced it, in a single click.
   • Multi-entity and multi-currency consolidation: Handle intercompany eliminations, currency conversions, and cross-entity rollups as core architecture, not an add-on.
   • Rolling forecast automation: Keep cash forecasts current with automated data imports that pull live actuals from connected source systems without manual refreshes.

   Cube Integrations

   Cube offers 50+ native integrations spanning ERPs, CRMs, HRIS platforms, billing systems, and data warehouses, including NetSuite, Sage Intacct, QuickBooks, Xero, Salesforce, HubSpot, Workday, ADP, Snowflake, and Google Sheets. Custom connectors, flat file uploads, and an API are also available for connecting source systems that lack a standard integration.

   Pros and Cons

   Pros:

   • Supports multi-scenario analysis with AI-based forecasting
   • Works natively on both Excel and Google
   • Deploys in days without external consultants

   Cons:

   • Dashboarding lacks depth compared to BI tools
   • Limited custom dimensions for complex models
   Learn more about Cube:

   • Check out Cube on their website
   • Read my in-depth review of Cube
6. 

   6

   Planful

   Best for continuous planning and reporting

   • Free demo available
   • Pricing upon request

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   Customer Rating:4.2/5This rating combines scores from multiple user review sites to reflect overall customer sentiment about the product.

   

   Planful is a financial performance management platform that covers FP&A, budgeting, forecasting, financial close, consolidation, and reporting in a single connected system.

   Who Is Planful Best For?

   Planful is a strong fit for mid-market and enterprise FP&A teams that need a unified platform for budgeting, close, and reporting across the business.

   Why I Picked Planful

   Planful earns its spot on my shortlist because it's built around continuous planning rather than static annual cycles, which matters a lot when you're managing cash flow across a live business. I use Planful's rolling forecast templates to update projections without rebuilding models from scratch each period. Its structured financial modeling layer also lets my team run driver-based forecasts tied directly to operational inputs, not just historical actuals.

   Planful Key Features

   • AI Projections: Uses machine learning to build budget baselines from your historical data, reducing the time spent on manual input.
   • Anomaly detection signals: Automatically flags errors, outliers, and potential risks surfaced from your financial data.
   • Spotlight for Microsoft 365: Refreshes live Planful data inside Excel, Word, and PowerPoint with a single click.
   • Real-time dashboards: Track KPIs, monitor variances, and drill into underlying data without relying on static reports.

   Planful Integrations

   Planful integrates with ERPs like SAP, Oracle, and NetSuite, CRMs like Salesforce, HRIS platforms like Workday, and data warehouses like Snowflake. It also connects with Microsoft Power BI and offers thousands of pre-built connectors across cloud-based and on-premise systems. A full suite of RESTful APIs is available for custom integrations.

   Pros and Cons

   Pros:

   • Rolling forecasts update without rebuilding models
   • ERPs Supports both 13-week and long-term models
   • Consolidates multi-entity data from separate ERPs

   Cons:

   • Browser performance lags in larger templates
   • Report building takes time to learn
   Learn more about Planful:

   • Check out Planful on their website
   • Read my in-depth review of Planful
7. 

   7

   Kyriba

   Best for liquidity management

   • Free demo available
   • Pricing upon request

   Visit Website

   Customer Rating:4.2/5This rating combines scores from multiple user review sites to reflect overall customer sentiment about the product.

   

   Kyriba is a cloud-based treasury management platform covering cash positioning, liquidity forecasting, payments, bank connectivity, and working capital optimization.

   Who Is Kyriba Best For?

   Kyriba is a strong fit for mid-to-large enterprises with dedicated treasury teams managing multi-entity cash positions across multiple banks and currencies.

   Why I Picked Kyriba

   Kyriba earns its spot on my shortlist because it gives my team real-time cash visibility across every bank account and entity in a single dashboard. I rely on its daily cash positioning to run accurate short-term liquidity forecasts without waiting for manual bank file imports. Its AI-driven forecasting engine flags variance between projected and actual cash flows, which my team uses to course-correct before gaps become problems.

   Kyriba Key Features

   • Multi-bank connectivity: Connect to thousands of banks globally via SWIFT, H2H, and API to pull in transaction data automatically.
   • Scenario planning: Build and compare multiple cash flow scenarios side by side to stress-test liquidity positions.
   • FX exposure management: Track foreign currency exposures across entities and model the impact on cash positions.
   • Cash pooling: Configure physical and notional cash pooling structures to consolidate balances across accounts.

   Kyriba Integrations

   Kyriba connects to a network of over 10,000 banks and 10,000+ ERP instances through pre-built API connectors, with certified integrations for SAP, Oracle EBS, Oracle Fusion, Oracle NetSuite, and Microsoft Dynamics 365. It also offers an Open API platform, a Developer Portal, and an App Marketplace for custom and partner-built integrations.

   Pros and Cons

   Pros:

   • Connects to thousands of banks globally
   • AI-driven variance analysis for forecasts
   • Automated daily bank reconciliations with high accuracy

   Cons:

   • Customization options feel restrictive
   • Implementation setup can be slow
   Learn more about Kyriba:

   • Check out Kyriba on their website
8. 

   8

   PocketSmith

   Best for personal planning

   • 14-day money-back guarantee available
   • From $9.99/month (billed annually)

   Visit Website

   

   Pocketsmith is a personal finance and budgeting software designed for individuals looking to manage their personal finances. It offers tools for cash flow forecasting, budgeting, and financial tracking.

   Why I picked Pocketsmith: Pocketsmith is tailored for personal use, providing features that help individuals manage their finances effectively. The platform offers cash flow forecasts and personalized budgeting tools, making it easier for you to track spending and plan for the future. Additionally, its calendar-based financial planning adds a unique touch to finance management, providing you with the tools needed for financial success.

   Standout features & integrations:

   Features include financial tracking of expenses and income to stay on top of your finances. The software also provides future projections to help you plan for upcoming expenses.

   Integrations include Bank Feeds, Xero, Mint, Yodlee, and Plaid.

   Pros and Cons

   Pros:

   • Personalized budgeting tools
   • Detailed cash flow forecasts
   • Future financial projections

   Cons:

   • Limited business features
   • Requires manual data input
   Learn more about PocketSmith:

   • Check out PocketSmith on their website
   • Read my in-depth review of PocketSmith
9. 

   9

   Prophix

   Best for enterprise FP&A

   • Free demo available
   • Pricing upon request

   Visit Website

   Customer Rating:4.5/5This rating combines scores from multiple user review sites to reflect overall customer sentiment about the product.

   

   Prophix is a corporate performance management software aimed at large enterprises. It offers advanced planning, budgeting, and cash flow management functionalities to support complex financial operations.

   Why I picked Prophix: Prophix is ideal for enterprise use, providing features that cater to large-scale financial planning needs. It includes detailed budgeting tools and advanced cash flow planning capabilities. You can also leverage its extensive analytics and reporting functions to gain deeper insights into your financial data. 

   Standout features & integrations:

   Features include conduct variance analysis to compare actuals against forecasts, providing insights into financial performance. Additionally, Prophix supports driver-based planning for more accurate financial projections.

   Integrations include Microsoft Dynamics, NetSuite, Sage Intacct, and SAP.

   Pros and Cons

   Pros:

   • Detailed variance analysis
   • Supports driver-based planning
   • Collaborative planning tools

   Cons:

   • Steeper learning curve
   • Limited customization options
   Learn more about Prophix:

   • Check out Prophix on their website
   • Read my in-depth review of Prophix
10. 

    10

    Float

    Best for SMB scenario planning

    • 30-day free trial + demo available
    • From $7/user/month

    Visit Website

    Customer Rating:4.4/5This rating combines scores from multiple user review sites to reflect overall customer sentiment about the product.

    

    Float is a dedicated cashflow forecasting tool that pulls live data from your accounting software to generate rolling cash flow forecasts, run scenario comparisons, and track actuals against projections.

    Who Is Float Best For?

    Float is a natural fit for small and midsize business owners and finance leads who need a dedicated forecasting layer on top of their existing accounting software.

    Why I Picked Float

    I picked Float as one of the best because it's built specifically for cash flow forecasting, not adapted from a broader finance platform. I use Float's scenario planning to model best-case and worst-case positions side by side, which is something I can set up in minutes without building custom spreadsheet logic. Its direct sync with accounting software means my actuals update automatically, so my rolling forecasts stay current without manual data entry.

    Float Key Features

    • 13-week cash flow view: Switch between daily, weekly, and monthly forecast views to zoom in or out on your cash position.
    • Cash runway tracking: Set a minimum cash threshold and Float calculates the date you'll hit it across different scenarios.
    • Multi-entity management: Access and manage cash flow data across multiple companies from a single account.
    • Invoice and bill visibility: Track outstanding invoices and upcoming bills directly within your forecast to see how they affect future cash.

    Float Integrations

    Float offers native integrations with Xero, QuickBooks, and FreeAgent, which are its three core accounting platform connections. An API is not clearly documented, and Zapier support is not listed.

    Pros and Cons

    Pros:

    • Daily, weekly, and monthly forecast views
    • Scenario planning reduces hours to minutes
    • Quick three-minute setup from accounting sync

    Cons:

    • Limited multi-currency support for global teams
    • Less useful for long-term cash projections
    Learn more about Float:

    • Check out Float on their website