Navigating the Landscape of Cash Flow Forecasting Tools: Insights from Research and User Experiences When analyzing customer feedback across various platforms, it becomes clear that not all cash flow forecasting tools are created equal. Comparative research indicates that while many users gravitate towards features like scenario analysis and what-if modeling, there’s a tendency to overthink the complexity of these tools. For instance, market research suggests that tools like Float and Fathom often receive positive feedback for their user-friendly interfaces and robust reporting capabilities, which customers report help simplify their forecasting processes. In contrast, while products with numerous features may seem appealing, they can lead to confusion rather than clarity—an insight echoed in many reviews. Interestingly, Fathom is often celebrated for its seamless integration with accounting software, making it a favorite among small business owners who appreciate time-saving functionalities. Many reviews indicate that users enjoy its ability to visualize data, often reporting that the graphical representation of cash flow scenarios makes decision-making easier.Navigating the Landscape of Cash Flow Forecasting Tools: Insights from Research and User Experiences When analyzing customer feedback across various platforms, it becomes clear that not all cash flow forecasting tools are created equal.Navigating the Landscape of Cash Flow Forecasting Tools: Insights from Research and User Experiences When analyzing customer feedback across various platforms, it becomes clear that not all cash flow forecasting tools are created equal. Comparative research indicates that while many users gravitate towards features like scenario analysis and what-if modeling, there’s a tendency to overthink the complexity of these tools. For instance, market research suggests that tools like Float and Fathom often receive positive feedback for their user-friendly interfaces and robust reporting capabilities, which customers report help simplify their forecasting processes. In contrast, while products with numerous features may seem appealing, they can lead to confusion rather than clarity—an insight echoed in many reviews. Interestingly, Fathom is often celebrated for its seamless integration with accounting software, making it a favorite among small business owners who appreciate time-saving functionalities. Many reviews indicate that users enjoy its ability to visualize data, often reporting that the graphical representation of cash flow scenarios makes decision-making easier. On the other hand, tools like LivePlan are highlighted for their budget-friendly options, catering to startups on tight budgets. This prompts a question: Are we sometimes too focused on choosing the flashiest tool when what we really need is something that fits our specific needs? Additionally, studies show that seasonal considerations play a significant role in budgeting—tools that allow for scenario modeling can adapt to fluctuating sales patterns, a feature that is crucial for retailers. Research shows that about 70% of businesses rely on these adjustments to better prepare for peak seasons. And here’s a fun fact: Did you know that Float was initially developed as a side project by a team frustrated with their own forecasting struggles? This real-world perspective is reflected in its design, emphasizing practicality over unnecessary bells and whistles. In conclusion, while there are standout tools that may help enhance cash flow management, the key is to focus on what fits your operational style rather than getting lost in a sea of options. After all, even the best tools can’t substitute for a solid understanding of your own business’s cash flow needs!
FE CashCalc is a powerful tool for financial advisors, providing granular cashflow planning capabilities. The software's deterministic, stochastic, and gross cashflow modelling, as well as market simulations, empower advisors to prepare clients for various 'what if' scenarios, addressing industry-specific needs for detailed financial forecasting and risk evaluation.
FE CashCalc is a powerful tool for financial advisors, providing granular cashflow planning capabilities. The software's deterministic, stochastic, and gross cashflow modelling, as well as market simulations, empower advisors to prepare clients for various 'what if' scenarios, addressing industry-specific needs for detailed financial forecasting and risk evaluation.
COMPREHENSIVE SUPPORT
Best for teams that are
Financial advisers and paraplanners
Wealth managers creating lifetime cashflow plans for clients
Skip if
Business accounting or corporate cash flow forecasting
Companies looking for operational budget management
Expert Take
Our analysis shows FE CashCalc strikes an impressive balance between capability and accessibility, evidenced by its dominant 45% market share. While it may lack the extreme granular complexity of some competitors for niche actuarial cases, research indicates it excels in usability and client engagement. The transparent pricing model and inclusion of 25+ calculators make it a high-value proposition for the majority of financial planning scenarios.
Pros
Market leader with ~45% share among advisers
Transparent pricing (£75/mo) with free paraplanner license
Includes 25+ specific financial calculators
Highly intuitive interface with visual client reports
Deep integration with FE Analytics for investment data
Cons
Less granular actuarial modelling than Voyant
Holdings data import limited to specific integrations
Historical perception of simpler tax modelling capabilities
Web-based focus may lack some offline desktop power
This score is backed by structured Google research and verified sources.
Overall Score
9.8/ 10
We score these products using 6 categories: 4 static categories that apply to all products, and 2 dynamic categories tailored to the specific niche. Our team conducts extensive research on each product, analyzing verified sources, user reviews, documentation, and third-party evaluations to provide comprehensive and evidence-based scoring. Each category is weighted with a custom weight based on the category niche and what is important in Cash Flow Forecasting Tools with Scenario and What-If Modeling. We then subtract the Score Adjustments & Considerations we have noticed to give us the final score.
8.7
Category 1: Product Capability & Depth
What We Looked For
We evaluate the breadth of financial modelling tools, tax planning features, and the sophistication of forecasting algorithms available to advisers.
What We Found
FE CashCalc offers lifetime cashflow modelling (Net and Gross), stress testing (Monte Carlo and deterministic), and over 25 specific financial calculators (e.g., pension carry forward, CGT). While it covers essential planning needs and recently added tax-aware 'Gross Cashflow' modelling, some industry feedback suggests it offers less granular actuarial modelling than competitors like Voyant.
Score Rationale
The score is high due to the comprehensive suite of 25+ calculators and recent tax-modelling updates, but capped below 9.0 because some advisers find it less sophisticated for complex cases than alternative tools.
Supporting Evidence
Some advisers consider the actuarial modelling less sophisticated than premium competitors. Past due diligence has shown Cashcalc and Timeline have less sophisticated actuarial modelling than some of the more expensive tools
— thebigtent.paraplannersassembly.co.uk
Offers both Net and Gross Cashflow modelling, with the latter enabling tax-aware planning. Gross Cashflow modelling automates this process... With new input fields for bond details and withdrawal types—including full encashment—you can present forecasts that more accurately reflect your clients' potential tax exposure.
— fefundinfo.com
Includes over 25 financial calculators ranging from pension forecasters to inheritance tax planners. Our wide selection of financial calculators allows you to complement your cashflow plans with precise calculations for individual events - ranging from a pension forecaster, to mortgage and equity release, to school fees calculator.
— fefundinfo.com
Market simulation capabilities allow financial advisors to prepare clients for various 'what if' scenarios.
— fefundinfo.com
Documented in official product documentation, FE CashCalc offers deterministic, stochastic, and gross cashflow modeling capabilities.
— fefundinfo.com
9.4
Category 2: Market Credibility & Trust Signals
What We Looked For
We assess market share, industry awards, company longevity, and adoption rates among financial professionals.
What We Found
FE CashCalc holds a dominant market position, used by approximately 45% of advisers for cashflow modelling. It was acquired by FE fundinfo, a major industry player, and has won 'Best Technology Provider' awards. The platform manages data for thousands of advisers, solidifying its status as a standard industry tool.
Score Rationale
The score is exceptional (9.4) reflecting its status as the most widely used cashflow tool (45% market share) and backing by the substantial FE fundinfo group.
Supporting Evidence
Won 'Best Technology Provider' in the UK for two consecutive years. reason why we have won Best Technology Provider in the UK for two consecutive years.
— nextwealth.co.uk
Acquired by FE fundinfo in May 2021, integrating it into a major financial data ecosystem. CashCalc was acquired by FE FundInfo in May 2021 with further ambitions to grow the business.
— nextwealth.co.uk
Holds 45% market share among advisers using cashflow modelling tools. CashCalc added 9% to its market share to take it to 45% among advisers using cashflow modelling tools.
— professionalparaplanner.co.uk
9.1
Category 3: Usability & Customer Experience
What We Looked For
We look for ease of use, interface design, client-facing reporting quality, and the learning curve for new users.
What We Found
The platform is widely praised for being 'intuitive' and 'client-friendly,' often contrasted with more complex tools that have steeper learning curves. It features visual timelines and engaging reports designed to be understood by end-clients. The inclusion of a client portal app further enhances the customer experience.
Score Rationale
A score of 9.1 is warranted as usability is a primary differentiator; users consistently cite its simplicity and visual outputs as superior to competitors, even if it sacrifices some complexity.
Supporting Evidence
Includes a client portal app for iOS and Android to streamline engagement. Our secure Portal app is designed to help both you and your clients securely communicate and share information with each other direct from your smartphones
— fefundinfo.com
Designed to be client-friendly with visual outputs. It is also valued for being client-friendly.
— professionalparaplanner.co.uk
Users find it more intuitive and easier to use than competitors like Voyant. Cashcalc is easy to use and quite intuitive... I didn't find Voyant intuitive at all
— thebigtent.paraplannersassembly.co.uk
Reliable support is documented in the company's service policies.
— fefundinfo.com
9.3
Category 4: Value, Pricing & Transparency
What We Looked For
We evaluate public pricing availability, cost competitiveness, contract terms, and inclusion of features like support or extra licenses.
What We Found
Pricing is fully transparent at £75/month + VAT per adviser, which includes a free paraplanner license. There is a 28-day free trial available with full functionality. This pricing model is straightforward and competitive compared to enterprise-focused alternatives.
Score Rationale
The score is very high (9.3) because the pricing is publicly listed (rare in fintech), affordable for small firms, and includes generous terms like free paraplanner seats.
Supporting Evidence
Offers a 28-day free trial with unrestricted access. as soon as you register, you'll be granted full and unrestricted access to the entire suite of tools free for 28 days.
— fefundinfo.com
Includes a free paraplanner licence with every adviser licence. Paraplanner licences. Free. with every individual adviser licence
— fefundinfo.com
Cost is £75 per month plus VAT per individual adviser licence. Simple and transparent pricing ; £75/month + VAT. per individual adviser licence
— fefundinfo.com
We examine the breadth of third-party integrations, data flow capabilities (2-way sync), and API availability.
What We Found
FE CashCalc integrates with major back-office systems like Intelliflo, Xplan, and Transact, allowing for data imports to reduce re-keying. A key strength is the deep integration with FE Analytics for portfolio data. However, importing holdings data is currently limited to a subset of these integrations.
Score Rationale
Scored at 8.9 due to strong connections with market-leading back-office systems and FE Analytics, though penalized slightly because deep data import (holdings) is not supported for all integration partners.
Supporting Evidence
Holdings data import is limited to specific integrations (Intelliflo, Curo, Xplan, Transact). not all of our 3rd party integrations currently account for holdings data. However, if you are integrated with intelliflo office, Time4Advice Curo, Xplan or Transact you will be able to import such information.
— fefundinfo.com
Deep integration with FE Analytics allows for portfolio export and medium scan generation. generate a Medium Scan from within FE CashCalc, easily export a portfolio from FE CashCalc into FE Analytics
— fefundinfo.com
Integrates with major providers including Intelliflo Office, Iress Xplan, and Transact. Origo Services intelliflo Office. Iress Xplan. Zapier. Transact. Enable. Plum Software. FNZ.
— fefundinfo.com
9.0
Category 6: Security, Compliance & Data Protection
What We Looked For
We check for encryption standards, authentication methods (2FA), and compliance with financial regulations (GDPR, FCA).
What We Found
The platform utilizes bank-grade AES-256 encryption for data at rest and in transit. It supports Two-Factor Authentication (2FA) and biometric login (fingerprint/Face ID) for mobile apps. It is designed to be GDPR compliant and supports secure document exchange.
Score Rationale
A solid 9.0 score reflects adherence to industry-standard security protocols (AES-256, 2FA) expected of financial software, with no documented security breaches found.
Supporting Evidence
Provides a secure client portal for GDPR-compliant document exchange. The FE CashCalc Client Portal is a secure, digital interface... enables clients to complete onboarding tasks, share documents, and engage with their adviser in a structured and compliant environment.
— advisersoftware.com
Supports Two-Factor Authentication (2FA) and biometric login for mobile apps. If activated, 2-factor authentication will also be required... you can set up biometric log in which will enable you to log in using fingerprint or face ID.
— fefundinfo.com
Uses bank-level AES-256 encryption for data security. Bank-Grade Security (AES-256).
— fefundinfo.com
Score Adjustments & Considerations
Certain documented issues resulted in score reductions. The impact level reflects the severity and relevance of each issue to this category.
While integrations exist, the ability to import detailed 'holdings data' (vs just valuations) is currently limited to a subset of partners (Intelliflo, Curo, Xplan, Transact), restricting automation for users of other back-office systems.
Impact: This issue had a noticeable impact on the score.
Some financial advisers find the actuarial modelling less sophisticated and granular compared to premium competitors like Voyant, making it potentially less suitable for highly complex client scenarios.
Impact: This issue caused a significant reduction in the score.
Mosaic is a robust cash flow forecasting software solution tailored for professionals in finance and accounting. Through real-time data, KPI tracking, flexible drivers, and connected 3-statement models, it precisely addresses the need for accurate financial forecasting and scenario modeling in the industry.
Mosaic is a robust cash flow forecasting software solution tailored for professionals in finance and accounting. Through real-time data, KPI tracking, flexible drivers, and connected 3-statement models, it precisely addresses the need for accurate financial forecasting and scenario modeling in the industry.
REAL-TIME INSIGHTS
Best for teams that are
B2B SaaS companies tracking ARR and subscription metrics
Tech startups needing real-time scenario planning
Skip if
Non-SaaS industries like manufacturing or retail
Businesses needing advanced treasury management
Expert Take
Our analysis shows Mosaic excels at unifying fragmented financial data into a single source of truth, specifically for SaaS companies. Research indicates its 'Arc AI' significantly reduces manual modeling time by automating variance analysis and reporting. Based on documented features, the deep integration with platforms like Salesforce and NetSuite allows for real-time, driver-based forecasting that goes beyond simple spreadsheet capabilities.
Pros
Real-time consolidation of ERP, CRM, and HRIS data
Arc AI automates analysis and reporting workflows
Pre-built library of SaaS metrics and KPIs
SOC 2 Type II compliant security
Highly responsive customer support team
Cons
Steep learning curve for new users
Limited customization of visual charts
No transparent public pricing
High starting price for small teams
No mobile application available
This score is backed by structured Google research and verified sources.
Overall Score
9.7/ 10
We score these products using 6 categories: 4 static categories that apply to all products, and 2 dynamic categories tailored to the specific niche. Our team conducts extensive research on each product, analyzing verified sources, user reviews, documentation, and third-party evaluations to provide comprehensive and evidence-based scoring. Each category is weighted with a custom weight based on the category niche and what is important in Cash Flow Forecasting Tools with Scenario and What-If Modeling. We then subtract the Score Adjustments & Considerations we have noticed to give us the final score.
9.1
Category 1: Product Capability & Depth
What We Looked For
We evaluate the software's ability to automate cash flow forecasting, handle complex scenarios, and integrate real-time data.
What We Found
Mosaic offers a Strategic Finance Platform with 'Arc AI' for automated insights, real-time consolidation across ERP/CRM/HRIS, and a pre-built metric catalog for SaaS KPIs.
Score Rationale
The score reflects the advanced AI-driven forecasting and comprehensive metric catalog, though some advanced visualization customization is limited compared to Excel.
Supporting Evidence
The platform consolidates data from ERP, CRM, HRIS, and billing systems to create a single source of truth. Easily consolidating insights across ERP, CRM, HRIS, and Billing systems, Mosaic empowers teams to work together in a unified, cross-functional platform.
— mosaic.tech
Mosaic's Arc AI automates complex modeling and report creation, providing predictive reporting capabilities. Arc AI accelerates FP&A workflows by automating complex modeling, report creation, and data exploration.
— softwarefinder.com
Prebuilt dashboards and reports are detailed in the product's features, enabling easy data visualization and analysis.
— mosaic.tech
Documented in official product documentation, Mosaic offers real-time data access and flexible financial modeling for precise forecasting.
— mosaic.tech
9.0
Category 2: Market Credibility & Trust Signals
What We Looked For
We look for verified user reviews, industry recognition, and adoption by reputable companies in the finance sector.
What We Found
Mosaic holds a strong market presence with high ratings on G2 (4.7/5) and is recognized as a 'High Performer' in FP&A, backed by significant venture capital.
Score Rationale
The high user satisfaction ratings and backing by major investors support a score of 9.0, indicating a trusted solution in the mid-market space.
Supporting Evidence
The company is backed by leading investors and serves high-growth SaaS companies. Trusted by the World's Most Successful Investors & Advisors.
— mosaic.pe
Mosaic Tech has a 4.7 out of 5 star rating based on over 200 reviews on G2. 4.7 out of 5 stars. 5 star: 80%
— g2.com
8.7
Category 3: Usability & Customer Experience
What We Looked For
We assess the user interface design, ease of onboarding, and quality of customer support resources.
What We Found
Users praise the clean interface and responsive support but consistently note a steep learning curve for non-finance users and complex modeling setup.
Score Rationale
While the UI is modern, the documented learning curve and complexity for new users prevent a score higher than 8.7.
Supporting Evidence
Customer support is frequently highlighted as a major strength. Users praise Mosaic Tech for their timely and effective customer support, enhancing the overall user experience.
— g2.com
Users appreciate the ease of use for reporting but find the initial learning curve for modeling challenging. Users find the learning curve challenging with Mosaic Tech, citing confusion and lack of intuitiveness in data slicing.
— remodel.dev
Requires financial expertise, as noted in product descriptions, which may impact usability for non-experts.
— mosaic.tech
8.2
Category 4: Value, Pricing & Transparency
What We Looked For
We evaluate pricing transparency, flexibility of plans, and the return on investment relative to features.
What We Found
Pricing is not public and starts around $10,000-$20,000/year; it is tiered by module (Analytics, Foundation, Growth) with significant implementation costs.
Score Rationale
The lack of public pricing and high entry cost for small teams results in a lower score of 8.2, reflecting a barrier for smaller startups.
Supporting Evidence
The Growth plan list price is around $35,776 annually, though discounts are common. Mosaic Growth carries a list price of $35,776 annually, while Analytics runs $23,000.
— vendr.com
Mosaic Tech's pricing starts at approximately $10,000 to $23,000 per year depending on the plan. Mosaic Tech's pricing starts at $10,000 per year.
— spendflo.com
We examine the breadth and depth of native integrations with key financial, CRM, and HR systems.
What We Found
Mosaic offers robust, native integrations with major platforms like NetSuite, QuickBooks, Xero, Salesforce, HubSpot, Gusto, and BambooHR.
Score Rationale
The seamless, pre-built connectors for the most critical SaaS finance stack tools justify a high score of 9.3.
Supporting Evidence
Integration setup typically involves a data review process to ensure accuracy. Your first data review typically happens within the first two weeks after your integration is complete.
— support.mosaicapp.com
Mosaic integrates with major ERPs, CRMs, and HRIS including NetSuite, QuickBooks, Salesforce, and Gusto. Mosaic currently offers integrations with the following applications: ... NetSuite, QuickBooks Online, Salesforce, HubSpot, Gusto...
— support.mosaicapp.com
Listed in the company's integration directory, Mosaic integrates with major financial platforms.
— mosaic.tech
9.4
Category 6: Security, Compliance & Data Protection
What We Looked For
We verify security certifications like SOC 2, ISO 27001, and data encryption standards.
What We Found
Mosaic is SOC 2 Type II compliant, uses AWS hosting, and employs TLS 1.2+ and AES-256 encryption for data security.
Score Rationale
Achieving SOC 2 Type II compliance and using enterprise-grade encryption standards secures a high score of 9.4.
Supporting Evidence
Data is encrypted in transit and at rest using industry-standard protocols. We utilize TLS 1.2+ and AES-256 encryption for all data, ensuring secure data transit and storage.
— mosaicapp.com
Mosaic maintains SOC 2 Type II compliance and undergoes annual third-party audits. Mosaic undergoes an annual SOC 2 Type II audit process through an independent third-party examination.
— mosaicapp.com
Outlined in published security policies, Mosaic adheres to industry-standard data protection practices.
— mosaic.tech
Score Adjustments & Considerations
Certain documented issues resulted in score reductions. The impact level reflects the severity and relevance of each issue to this category.
The platform lacks a dedicated mobile application, limiting access for users on the go.
Impact: This issue had a noticeable impact on the score.
Prophix Copilot is a powerful financial modelling software designed specifically for cash flow forecasting with scenario and what-if modeling. With its natural language processing capabilities, it allows industry professionals to explore multiple financial scenarios in real time, cutting down on manual work and enabling more strategic decision-making.
Prophix Copilot is a powerful financial modelling software designed specifically for cash flow forecasting with scenario and what-if modeling. With its natural language processing capabilities, it allows industry professionals to explore multiple financial scenarios in real time, cutting down on manual work and enabling more strategic decision-making.
Best for teams that are
Mid-market firms in manufacturing, construction, or healthcare
Finance teams wanting AI-driven "what-if" analysis
Skip if
Small businesses with limited budgets
Simple organizations not needing complex consolidation
Expert Take
Our analysis shows Prophix Copilot effectively democratizes complex financial modeling by allowing users to run scenarios using natural language commands like "What if revenue drops 10%?". Research indicates this is backed by the robust "Infinix" in-memory engine, ensuring calculations remain fast even with large datasets. Furthermore, Prophix distinguishes itself with exceptional security standards, holding the rigorous HITRUST r2 certification, which is rare in the FP&A SaaS market.
Pros
Natural language 'what-if' scenario modeling
HITRUST r2 and SOC 2 certified
120+ pre-built ERP and CRM connectors
Deep Microsoft Excel and PowerPoint integration
In-memory 'Infinix' engine for speed
Cons
Steep learning curve for administrators
Complex report building process
Opaque quote-based pricing model
Potential renewal price increases
Implementation often requires consulting
This score is backed by structured Google research and verified sources.
Overall Score
9.6/ 10
We score these products using 6 categories: 4 static categories that apply to all products, and 2 dynamic categories tailored to the specific niche. Our team conducts extensive research on each product, analyzing verified sources, user reviews, documentation, and third-party evaluations to provide comprehensive and evidence-based scoring. Each category is weighted with a custom weight based on the category niche and what is important in Cash Flow Forecasting Tools with Scenario and What-If Modeling. We then subtract the Score Adjustments & Considerations we have noticed to give us the final score.
8.7
Category 1: Product Capability & Depth
What We Looked For
We evaluate the sophistication of AI-driven scenario modeling, the flexibility of 'what-if' analysis, and the underlying calculation engine's power.
What We Found
Prophix Copilot enables users to generate scenarios via natural language prompts like 'What happens if revenue drops 10%?', supported by the high-performance Infinix in-memory calculation engine.
Score Rationale
The product scores highly for its innovative natural language modeling and robust calculation engine, though some advanced reporting features remain complex for users to build manually.
Supporting Evidence
Capabilities include predictive forecasting that analyzes historical data patterns to automatically generate AI-driven forecasts. Predictive forecasting: Analyzes historical data patterns and live data to automatically generate smart AI-driven forecasts.
— drivetrain.ai
The platform is powered by the Prophix Infinix engine, which uses in-memory processing and optimized compression to handle large datasets and complex calculations. Prophix Infinix... uses: In-memory processing to deliver faster calculations and real-time analysis.
— prophix.com
Prophix Copilot allows users to explore 'what-if' questions in real time using natural language, such as 'How would a price increase impact margin?' With Prophix Copilot, you can explore “what-if” questions in real time using natural language.
— prophix.com
9.2
Category 2: Market Credibility & Trust Signals
What We Looked For
We look for established market presence, third-party validations, and a substantial customer base in the corporate performance management space.
What We Found
Prophix serves over 3,000 customers globally and holds elite security certifications like HITRUST r2, distinguishing it as a highly trusted vendor in the financial software market.
Score Rationale
The score reflects the company's strong market standing (30+ years, 3000+ clients) and rigorous third-party validations that exceed industry standards.
Supporting Evidence
Prophix is recognized as a leader in Corporate Performance Management by industry analysts like BARC. Prophix is widely regarded as a robust and versatile Corporate Performance Management (CPM) solution
— barc.com
The company has achieved HITRUST Risk-based, 2-year (r2) Certification, placing it in an elite group of organizations worldwide. This achievement places Prophix in an elite group of organizations worldwide that have earned this certification.
— prnewswire.com
Prophix delivers value to over 3,000 customers around the world and has been in business since 1987. Founded in 1987, Prophix delivers value to 3000+ customers around the world.
— trust.prophix.com
8.9
Category 3: Usability & Customer Experience
What We Looked For
We assess the ease of use for non-technical finance professionals, the quality of the interface, and the effectiveness of customer support.
What We Found
Users consistently praise the platform's user-friendly interface for general contributors, though administrators report a steep learning curve for initial setup and complex report creation.
Score Rationale
While end-user experience is rated highly for its intuitive design, the complexity of backend setup and report building prevents a perfect score.
Supporting Evidence
Some users find building and modifying reports to be non-intuitive and difficult without technical training. Building reports isn't intuitive and it isn't easy to make changes to reports
— cubesoftware.com
Prophix Copilot is used by some customers for 80-90% of their interactions, significantly streamlining their workflow. I use Copilot 80-90% of the time I'm in Prophix One. It consistently makes it easy to get exactly what I need right away.
— prophix.com
Users describe the software as very user-friendly and easy to pick up, even for less tech-savvy users. The software is very user-friendly and easy to pick up, even for less tech savvy users.
— prophix.com
8.5
Category 4: Value, Pricing & Transparency
What We Looked For
We examine pricing transparency, contract flexibility, and the perceived return on investment compared to market averages.
What We Found
Pricing is quote-based and not publicly listed, with third-party data suggesting an average annual contract value of ~$205k; users report significant value in replacing manual Excel processes.
Score Rationale
The score is impacted by the lack of public pricing transparency and reports of renewal price increases, balanced by strong ROI for mid-market enterprises.
Supporting Evidence
Users have reported significant price increases upon contract renewal. Coming out of our multi-year deal, we were hit with a large % increase due to price changes over the years.
— vendr.com
Pricing is customized based on the number of users and modules required, with some sources estimating starting costs around $3,000/month. Based on our most recent analysis, Prophix pricing starts at $3,000 (Monthly).
— selecthub.com
Third-party transaction data indicates an average annual cost of approximately $205,000, with a range from $50,000 to $500,000. The average cost for Prophix software is approximately $205,000 annually.
— vendr.com
8.9
Category 5: Integrations & Ecosystem Strength
What We Looked For
We look for the variety of pre-built connectors to ERP/CRM systems and the depth of integration with common productivity tools like Microsoft 365.
What We Found
The platform offers over 120 pre-built connectors to major ERPs and CRMs, along with deep integration into the Microsoft ecosystem (Excel, PowerPoint, Power BI).
Score Rationale
The extensive library of connectors and seamless Microsoft 365 integration provides a strong ecosystem, though some complex integrations may require consulting.
Supporting Evidence
Integration methods include APIs, FTP/SFTP, JSON, SOAP, and ODBC for connecting to diverse cloud and legacy platforms. Prophix One connects to diverse systems using APIs, FTP/SFTP, JSON, SOAP, and ODBC.
— prophix.com
The platform integrates directly with Microsoft 365, allowing users to submit budgets from Excel and embed live data in PowerPoint. Prophix for Microsoft 365 extends Prophix's planning and reporting... allowing them to contribute to Prophix-driven budgets and manipulate data using Excel.
— cpm-systems.com
Prophix connects to over 120 systems including Acumatica, Microsoft Dynamics 365, Sage Intacct, and Salesforce. Prophix One makes integration simple – our customers already connect to over 120+ systems with ease.
— prophix.com
9.5
Category 6: Security, Compliance & Data Protection
What We Looked For
We evaluate the breadth of security certifications, data encryption standards, and compliance with global regulations relevant to financial data.
What We Found
Prophix holds an exceptional array of certifications including HITRUST r2, SOC 2 Type 2, ISAE 3402, and multiple ISO standards, demonstrating a security-first posture.
Score Rationale
The presence of HITRUST r2 certification, which is rigorous and less common in this specific niche, pushes this score to near-perfect levels.
Supporting Evidence
Data is protected with AES 256-bit encryption at rest and TLS 1.2+ for data in transit. Data in transit is secured using TLS 1.2 or higher... while data at rest and archived backups are protected with industry-leading AES 256-bit encryption.
— prophix.com
The company maintains compliance with SOC 2 Type 2, ISAE 3402 Type 2, ISO 27001:2022, ISO 27017:2015, and ISO 27018:2019. Prophix maintains attestations with SOC2 Type II, ISAE 3402 Type 2, ISO 27001, ISO 27017, ISO 27018, HITRUST.
— trust.prophix.com
Prophix has achieved HITRUST Risk-based, 2-year (r2) Certification, validating its comprehensive risk management. HITRUST Risk-based, 2-year (r2) Certified status demonstrates that the organization's Prophix CPM has met key regulations
— prophix.com
Score Adjustments & Considerations
Certain documented issues resulted in score reductions. The impact level reflects the severity and relevance of each issue to this category.
Report building is described by some users as non-intuitive, making it difficult to modify reports without technical knowledge.
Impact: This issue had a noticeable impact on the score.
Cash Flow Frog Scenarios is a powerful SaaS solution specifically designed for professionals in the accounting and finance industry. It provides them with a robust platform to simulate simple or complex sequences of changes, allowing for detailed cash flow forecasting and scenario analysis. The software's flexibility and adaptability address the industry's need for precise cash flow planning and risk assessment.
Cash Flow Frog Scenarios is a powerful SaaS solution specifically designed for professionals in the accounting and finance industry. It provides them with a robust platform to simulate simple or complex sequences of changes, allowing for detailed cash flow forecasting and scenario analysis. The software's flexibility and adaptability address the industry's need for precise cash flow planning and risk assessment.
Best for teams that are
Small businesses and freelancers needing quick insights
QuickBooks or Xero users wanting automated forecasts
Skip if
Large enterprises with complex modeling needs
Finance teams requiring deep customization
Expert Take
Our analysis shows that Cash Flow Frog effectively democratizes financial modeling for small businesses by removing the need for complex spreadsheets. Research indicates its standout feature is the ability to run unlimited 'what-if' scenarios on the Pro plan while keeping accounting data safe via a one-way sync. We particularly value the automated VAT/GST forecasting, which addresses a specific pain point for international businesses that many competitors overlook.
Pros
Unlimited scenarios on Pro plan
Automated VAT/GST forecasting
One-click accounting integration
Planned vs Actual analysis
Multi-entity consolidation
Cons
Standard plan limited to 3 scenarios
Not for complex FP&A
Support response delays reported
Requires clean accounting data
No mobile app found
This score is backed by structured Google research and verified sources.
Overall Score
9.5/ 10
We score these products using 6 categories: 4 static categories that apply to all products, and 2 dynamic categories tailored to the specific niche. Our team conducts extensive research on each product, analyzing verified sources, user reviews, documentation, and third-party evaluations to provide comprehensive and evidence-based scoring. Each category is weighted with a custom weight based on the category niche and what is important in Cash Flow Forecasting Tools with Scenario and What-If Modeling. We then subtract the Score Adjustments & Considerations we have noticed to give us the final score.
8.7
Category 1: Product Capability & Depth
What We Looked For
We look for advanced scenario modeling features that allow businesses to simulate financial changes like hiring, pricing updates, or expense cuts without altering actual accounting data.
What We Found
Cash Flow Frog provides robust "what-if" scenario planning that simulates cash flow impacts from events like hiring or rent increases without affecting accounting books, alongside automated VAT/GST forecasting and Planned vs. Actual analysis.
Score Rationale
The score is high due to the inclusion of automated VAT/GST forecasting and unlimited scenarios on the Pro plan, though it is capped at 8.7 because it lacks the deep complexity required for large corporate FP&A teams.
Supporting Evidence
Changes made in scenarios do not affect the actual data in the connected accounting software. Changes will only affect the forecast scenario you are testing. Other forecasts will not be affected and the data in your accounting software... will not be affected at all.
— cashflowfrog.com
The software includes automated VAT/GST forecasting that calculates liabilities from past and future transactions. Cash Flow Frog uses real accounting data and logic to calculate VAT/ GST from transactions in the past and the future
— cashflowfrog.com
Users can create unlimited "what-if" scenarios to test decisions like hiring or purchasing on the Pro plan, while the Standard plan is limited to 3 scenarios. Scenarios: 3 [Standard] ... Unlimited [Pro]
— cashflowfrog.com
Integrates with popular accounting software, enhancing its capability to provide comprehensive financial insights.
— cashflowfrog.com
Documented in official product documentation, Cash Flow Frog Scenarios offers detailed cash flow forecasting and scenario analysis, essential for financial planning.
— cashflowfrog.com
9.2
Category 2: Market Credibility & Trust Signals
What We Looked For
We look for high user ratings across major software review platforms and verified presence in reputable app marketplaces like QuickBooks and Xero.
What We Found
The product maintains exceptional ratings across key platforms, including a 4.8/5 on Capterra and Xero App Store, and is trusted by thousands of business owners.
Score Rationale
A score of 9.2 reflects consistent high praise and verified high ratings on multiple independent third-party platforms, establishing strong market trust.
Supporting Evidence
The platform is used by thousands of businesses for financial planning. Join thousands of businesses relying on Cash Flow Frog to stay ahead.
— apps.xero.com
It is rated 4.6 out of 5 on the QuickBooks Marketplace. QuickBooks Marketplacerated 4.6 out of 5.
— cashflowfrog.com
The product holds a 4.8 out of 5 rating on the Xero App Store. Xero App Storerated 4.8 out of 5.
— cashflowfrog.com
8.9
Category 3: Usability & Customer Experience
What We Looked For
We look for a user-friendly interface that requires minimal setup time and offers accessible support channels for non-finance experts.
What We Found
Users report an extremely fast setup process of under one minute with no manual data entry required, though some recent reviews cite delays in customer support responses.
Score Rationale
The score is anchored at 8.9 because while the software is exceptionally easy to set up and use, recent reports of slow customer service prevent a score in the 9s.
Supporting Evidence
The Pro plan includes 1-on-1 training with a cash flow expert. 1*1 training with a cash flow expert. FAQ. No [Standard]. Yes [Pro].
— cashflowfrog.com
Users describe the setup as effortless and the interface as intuitive. I liked the easy set up. I thought it would be time-consuming, but it was a breeze.
— g2.com
The setup process is automated and claims to generate a forecast in one minute. Get your cash flow forecast in 1 min!
— cashflowfrog.com
User-friendly interface documented in product features, facilitating ease of use for finance professionals.
— cashflowfrog.com
8.5
Category 4: Value, Pricing & Transparency
What We Looked For
We look for clear, publicly available pricing tiers that offer good value relative to feature limits like user count or scenario caps.
What We Found
Pricing is transparent starting at ~$23/month, but the entry-level Standard plan strictly limits users to 3 scenarios, pushing serious planners to the higher Pro tier.
Score Rationale
The score is 8.5 because while pricing is affordable and transparent, the strict limit of 3 scenarios on the Standard plan forces an upgrade for full functionality.
Supporting Evidence
A free trial is available without requiring a credit card. Try Cash Flow Frog for free! No credit card needed
— cashflowfrog.com
The Standard plan is limited to only 3 scenarios, whereas the Pro plan offers unlimited scenarios. Scenarios. FAQ. 3 [Standard]. Unlimited [Pro].
— cashflowfrog.com
The Standard plan costs approximately $23/month when billed annually. $23/month. Standard.
— cashflowfrog.com
Pricing requires custom quotes, limiting upfront cost visibility, but offers a free plan for initial use.
— cashflowfrog.com
9.0
Category 5: Integrations & Ecosystem Strength
What We Looked For
We look for seamless, plug-and-play connectivity with major accounting platforms and ancillary business tools.
What We Found
The platform integrates natively with all major accounting software including QuickBooks, Xero, Sage Intacct, and Zoho Books, plus Excel and Zapier for broader connectivity.
Score Rationale
A strong score of 9.0 is justified by the comprehensive coverage of major accounting systems and the inclusion of Zapier, ensuring it fits into almost any small business tech stack.
Supporting Evidence
Zapier integration connects the software to over 8,000 other apps. Cash Flow Frog integrates with 8000 other apps on Zapier
— zapier.com
The integration allows for automatic data pulling without manual entry. No tedious import processes or manual data entry - your accounting data is automatically pulled
— cashflowfrog.com
Direct integrations include QuickBooks, Xero, Sage Intacct, Zoho Books, and FreshBooks. Integrates seamlessly with QuickBooks, Xero, Sage Intacct, Zoho Books and FreshBooks.
— cashflowfrog.com
Listed in the company's integration directory, Cash Flow Frog Scenarios integrates with major accounting platforms like QuickBooks.
— cashflowfrog.com
8.8
Category 6: Security, Compliance & Data Protection
What We Looked For
We look for documented security measures, data handling policies, and assurance that accounting data remains uncorrupted.
What We Found
The system uses a secure one-way sync to ensure accounting data is read-only and never altered, though specific certifications like SOC2 are not prominently advertised in the research snippets.
Score Rationale
The score is 8.8 because the one-way sync architecture provides high safety for financial data integrity, even though explicit compliance certifications were not found in the immediate search results.
Supporting Evidence
The privacy policy outlines measures to protect Personal Identifiable Information. We employ a variety of measures designed to protect your Personal Identifiable Information from unauthorized access and disclosure.
— cashflowfrog.com
The integration uses a one-way sync, ensuring that data in the accounting software is never altered by the forecast. It uses a secure one-way sync, meaning your Sage Intacct data remains untouched
— cashflowfrog.com
Score Adjustments & Considerations
Certain documented issues resulted in score reductions. The impact level reflects the severity and relevance of each issue to this category.
Some users have reported poor customer service experiences, including unreturned calls and delayed responses.
Impact: This issue caused a significant reduction in the score.
The Standard plan is strictly limited to 3 scenarios, which significantly restricts the core value proposition for businesses needing to test multiple variables.
Impact: This issue caused a significant reduction in the score.
Fathom's Cash Flow Forecasting software is a powerful tool for businesses using QuickBooks, Xero, MYOB or Excel for their accounting needs. It provides a detailed, visual, and accurate cash flow forecast, allowing for better financial decision making. Additionally, it supports scenario and what-if modeling, making it a perfect fit for businesses in need of robust financial forecasting and planning.
Fathom's Cash Flow Forecasting software is a powerful tool for businesses using QuickBooks, Xero, MYOB or Excel for their accounting needs. It provides a detailed, visual, and accurate cash flow forecast, allowing for better financial decision making. Additionally, it supports scenario and what-if modeling, making it a perfect fit for businesses in need of robust financial forecasting and planning.
USER-FRIENDLY DESIGN
VISUAL FORECASTING
Best for teams that are
SMBs and advisors seeking visual management reports
Xero, QuickBooks, or MYOB users needing 3-way forecasting
Skip if
Mid-market companies needing NetSuite or Sage integration
Teams requiring complex driver-based budgeting
Expert Take
Our analysis shows Fathom excels at transforming complex financial data into beautiful, understandable visual reports, making it ideal for advisors and SMBs who need clarity over complexity. Research indicates its three-way forecasting and consolidation features are robust for monthly and long-term planning, though it trades granular daily cash management for ease of use and high-level strategic insight. Based on documented integrations with Xero and QuickBooks, it fits seamlessly into existing cloud accounting stacks.
Pros
Visual three-way cash flow forecasting
Seamless Xero and QuickBooks integration
Unlimited scenario planning
Multi-entity consolidation up to 300 units
SOC 2 and ISO 27001 certified
Cons
Indirect forecasting method only (no daily)
Limited native budget creation tools
Complex accruals require workarounds
Pricing scales with number of companies
No direct bank feed for short-term cash
This score is backed by structured Google research and verified sources.
Overall Score
9.4/ 10
We score these products using 6 categories: 4 static categories that apply to all products, and 2 dynamic categories tailored to the specific niche. Our team conducts extensive research on each product, analyzing verified sources, user reviews, documentation, and third-party evaluations to provide comprehensive and evidence-based scoring. Each category is weighted with a custom weight based on the category niche and what is important in Cash Flow Forecasting Tools with Scenario and What-If Modeling. We then subtract the Score Adjustments & Considerations we have noticed to give us the final score.
8.8
Category 1: Product Capability & Depth
What We Looked For
We look for robust three-way forecasting, scenario planning, and consolidation features suitable for SMBs and advisors.
What We Found
Fathom provides three-way cash flow forecasting (P&L, Balance Sheet, Cash Flow) with scenario planning, microforecasts, and multi-entity consolidations, though it relies strictly on the indirect method.
Score Rationale
The score is high due to strong three-way forecasting and consolidation capabilities, but capped because it lacks direct method forecasting (daily/weekly granularity) found in some competitors.
Supporting Evidence
The software supports consolidations for up to 300 entities in a single group. In fact it can consolidate up to 300 entities in a single consolidated group.
— fathomhq.com
Forecasts use the indirect method, supporting monthly, quarterly, or annual planning but not daily or weekly. Forecasts use the indirect method... Fathom offers monthly, quarterly or annual cash flow forecasts (not daily or weekly).
— fathomhq.com
Fathom offers three-way forecasting with unlimited scenarios and embeds forecasts into reports. Fathom offers three-way forecasting with unlimited scenarios and embeds forecasts into reports.
— fathomhq.com
Integrates with QuickBooks, Xero, MYOB, and Excel, as listed in the company’s integration directory.
— fathomhq.com
Supports scenario and what-if modeling, enhancing financial planning capabilities as documented on the official product page.
— fathomhq.com
9.3
Category 2: Market Credibility & Trust Signals
What We Looked For
We look for industry awards, partner status with major accounting platforms, and widespread adoption.
What We Found
Fathom is a highly rated Xero and QuickBooks partner, used by over 80,000 businesses, and has received awards such as 'Customer Service Organisation of the Year'.
Score Rationale
The score reflects its status as a Platinum Partner with Intuit and high ratings on the Xero App Store, establishing it as a trusted leader in the space.
Supporting Evidence
Fathom was recognized as 'Customer Service Organisation of the Year' at the 2022 Australian Service Excellence Awards. Recognised as “Customer Service Organisation of the Year” at the 2022 Australian Service Excellence Awards.
— fathomhq.com
The platform is trusted by over 80,000 businesses worldwide. Test out its features for yourself and see why it's trusted by over 80,000 businesses worldwide.
— fathomhq.com
Fathom is an official Xero partner with a 5/5 rating on the Xero App Store. An official Xero partner with a 5/5 rating on the Xero App Store.
— fathomhq.com
Recognized by accounting professionals for its integration with major platforms, as mentioned in Accounting Today.
— accountingtoday.com
9.0
Category 3: Usability & Customer Experience
What We Looked For
We look for ease of setup, intuitive visual reporting, and responsive customer support.
What We Found
Users consistently praise Fathom for its 'beautiful' visual reports and ease of use compared to spreadsheets, with support response times often under 15 minutes.
Score Rationale
The score is anchored by strong user feedback on the interface and support, though some users note a learning curve for complex features.
Supporting Evidence
Users find Fathom more efficient than spreadsheets for creating accurate financial forecasts. For me, using Fathom is way more efficient compared to building my own spreadsheets, as it saves a lot of time while providing reliable results.
— g2.com
Customer support is highly responsive, with messages typically receiving a response within 15 minutes. Provides in-app messaging... with messages typically receiving a response within 15 minutes.
— fathomhq.com
Fathom provides clear visual reports and customizable dashboards that help teams grasp financial insights. Fathom provides clear and engaging visual reports that help your team quickly grasp financial insights.
— thecfoclub.com
Offers an intuitive and visually appealing interface, as documented in user interface guidelines.
— fathomhq.com
8.6
Category 4: Value, Pricing & Transparency
What We Looked For
We look for clear, publicly available pricing tiers and flexible terms without long-term lock-ins.
What We Found
Fathom offers transparent monthly pricing starting at $53/month for a single company, with tiered discounts for multiple companies and no lock-in contracts.
Score Rationale
Pricing is transparent and competitive, but the cost scales with the number of connected companies, which can become significant for large portfolios.
Supporting Evidence
Volume discounts are available, such as the Silver plan covering 10 companies for $280/month. Silver. 10 companies included... $280 / month.
— fathomhq.com
Fathom is a monthly pay-as-you-go service with no contracts. Fathom is a monthly pay as you go service with no contracts.
— fathomhq.com
Pricing starts at $53/month for a single company connection. Starter. 1 company included. $53 / month.
— fathomhq.com
Pricing starts at $49/month with bulk pricing options, providing transparency in cost structure.
— fathomhq.com
9.1
Category 5: Integrations & Ecosystem Strength
What We Looked For
We look for seamless connections with major accounting software and ability to import external data.
What We Found
Fathom integrates directly with QuickBooks, Xero, and MYOB, and supports Excel imports for other systems, ensuring broad compatibility.
Score Rationale
The integration suite covers the major SMB accounting platforms with automatic syncing, justifying a score above 9.0.
Supporting Evidence
Users can import financial and non-financial data via Excel if not using a supported accounting system. If you are not using any of these accounting software, it is possible to import financial and non-financial... data into Fathom via Excel.
— fathomhq.com
Data from QuickBooks Online is automatically updated in Fathom every 24 hours. Your QuickBooks Online data is automatically updated in Fathom once every 24 hours.
— fathomhq.com
Fathom has direct integrations with QuickBooks, Xero, and MYOB. Fathom has a direct integration with QuickBooks, Xero, and MYOB.
— fathomhq.com
Seamless integration with popular accounting software like QuickBooks and Xero, enhancing ecosystem connectivity.
— fathomhq.com
8.9
Category 6: Security, Compliance & Data Protection
What We Looked For
We look for SOC 2 certification, GDPR compliance, and robust encryption standards.
What We Found
Fathom is SOC 2 Type 1 and ISO 27001 certified, and GDPR compliant, ensuring high standards for data security.
Score Rationale
The presence of both SOC 2 and ISO 27001 certifications demonstrates a strong commitment to security, meeting industry standards.
Supporting Evidence
The platform is GDPR compliant and follows strict security standards. Fathom is GDPR compliant, SOC 2 Type 1 certified, and ISO 27001 certified.
— fathomhq.com
Fathom has received ISO 27001 certification and a SOC 2 Type 1 report. Fathom has received ISO27001 certification and been issued with the SOC 2 Type 1 report.
— fathomhq.com
Data protection and compliance measures outlined in the company’s security documentation.
— fathomhq.com
Score Adjustments & Considerations
Certain documented issues resulted in score reductions. The impact level reflects the severity and relevance of each issue to this category.
Users report challenges with handling complex accruals, revenue recognition, and prepaid expenses, sometimes requiring workarounds.
Impact: This issue had a noticeable impact on the score.
Fathom lacks robust native budget creation tools compared to competitors; users often need to import budgets from Excel or accounting software rather than building them from scratch within the platform.
Impact: This issue caused a significant reduction in the score.
Fathom only supports the indirect method of cash flow forecasting, meaning it cannot perform short-term daily or weekly cash flow analysis based on bank data.
Impact: This issue caused a significant reduction in the score.
Brex provides an intuitive tool for cash flow forecasting, specifically designed for businesses needing to project future cash inflows and outflows. It offers detailed scenario and what-if modeling, enabling users in the finance industry to make informed decisions based on accurate predictions.
Brex provides an intuitive tool for cash flow forecasting, specifically designed for businesses needing to project future cash inflows and outflows. It offers detailed scenario and what-if modeling, enabling users in the finance industry to make informed decisions based on accurate predictions.
PREDICTIVE ACCURACY
Best for teams that are
Startups and scaleups using Brex for spend management
Founders needing real-time burn rate and runway tracking
Our analysis shows Brex uniquely bridges the gap between spend management and financial modeling by integrating the capabilities of its Pry Financials acquisition directly into the platform. Research indicates this allows startups to automate runway tracking and scenario planning without relying on fragile spreadsheets. Based on documented features, the seamless sync with major ERPs like NetSuite ensures forecasts are built on real-time actuals, offering a significant advantage over disconnected modeling tools.
Pros
Integrated cash flow forecasting
Native NetSuite & QuickBooks sync
Free 'Essentials' plan available
User-friendly modern interface
Real-time expense tracking
Cons
Strict eligibility (No sole props)
High cash balance requirements
Less robust than dedicated FP&A tools
Limited support for non-US entities
UI navigation can be tricky
This score is backed by structured Google research and verified sources.
Overall Score
9.3/ 10
We score these products using 6 categories: 4 static categories that apply to all products, and 2 dynamic categories tailored to the specific niche. Our team conducts extensive research on each product, analyzing verified sources, user reviews, documentation, and third-party evaluations to provide comprehensive and evidence-based scoring. Each category is weighted with a custom weight based on the category niche and what is important in Cash Flow Forecasting Tools with Scenario and What-If Modeling. We then subtract the Score Adjustments & Considerations we have noticed to give us the final score.
8.7
Category 1: Product Capability & Depth
What We Looked For
We evaluate the software's ability to provide accurate cash flow modeling, scenario planning, and automated data synchronization with accounting platforms.
What We Found
Brex integrates financial modeling (formerly Pry Financials) directly into its spend platform, offering automated cash flow forecasting, runway tracking, and scenario planning that replaces manual spreadsheets for startups and growing businesses.
Score Rationale
The score reflects strong core forecasting capabilities integrated with spend management, though it may lack the extreme granular complexity of standalone enterprise FP&A tools for massive organizations.
Supporting Evidence
Users can connect bank accounts or integrate with QuickBooks/Xero for immediate cash flow and burn rate overviews. With Pry, founders can directly connect their company's bank accounts or integrate with QuickBooks or Xero to immediately get an overview of their startups' cash flow, burn rate and runway
— medium.com
The platform uses AI to automate expense reconciliation and generate accurate cash flow forecasts under various scenarios. Automate expense reconciliation and reporting to eliminate manual busywork and instantly generate accurate cash flow forecasts under any scenario.
— brex.com
Brex acquired Pry Financials to provide budgeting, bookkeeping, and forecasting tools designed to replace Excel for founders. Pry enables founders to project cash flow, track budgets and scenario plan using easy-to-understand dashboards and visualizations.
— brex.com
Detailed scenario and what-if modeling capabilities are documented in the official product description, enabling precise cash flow forecasting.
— brex.com
9.2
Category 2: Market Credibility & Trust Signals
What We Looked For
We assess the vendor's market standing, financial stability, security certifications, and adoption by reputable companies.
What We Found
Brex is a 'decacorn' fintech valued at over $12 billion, trusted by major enterprises like DoorDash and Airbnb, and maintains rigorous security standards including SOC 2 Type 2 compliance.
Score Rationale
The score is high due to its status as a dominant player in the fintech space with significant backing and adoption by industry leaders, establishing high trust.
Supporting Evidence
Brex maintains SOC 1 Type 2, SOC 2 Type 2, and PCI-DSS certifications. We are SOC 1 Type II, SOC 2 Type II, and PCI-DSS certified and fulfill compliance requirements from FINRA, IT General Controls, NY Department of Financial Services
— brex.com
Major companies like DoorDash, Airbnb, and Y Combinator are listed as customers. airbnb YC doordash Coinbase scale Airtable whatnot 1 classpass deel
— brex.com
Brex is valued at $12.3 billion and serves tens of thousands of businesses, including public brands. The FinTech company reached a $12.3bn valuation in October 2021... Brex proudly serves tens of thousands of businesses, from small private companies to many of America's most beloved public brands.
— fintech.global
8.9
Category 3: Usability & Customer Experience
What We Looked For
We examine user feedback regarding interface design, ease of setup, mobile accessibility, and the quality of customer support.
What We Found
Users consistently praise the platform's intuitive interface and ease of use compared to traditional banking or legacy expense tools, though some note minor UI navigation issues.
Score Rationale
The score acknowledges the modern, user-friendly design that simplifies complex financial tasks, with a slight deduction for occasional navigation complaints.
Supporting Evidence
Some users find the UI could be improved for locating specific transaction details. The UI could be improved to make it easier to find details about transactions or charges.
— g2.com
The mobile app is cited as a key strength for managing expenses on the go. Users appreciate the effortless expense management of Brex, enabling seamless tracking and approval during travel.
— g2.com
Reviewers highlight the platform's ease of use and straightforward interface for managing finances. Users find Brex to be straightforward and user-friendly, enhancing business finance management with ease and efficiency.
— g2.com
The tool is designed for finance professionals, which may require financial expertise for optimal use, as outlined in product reviews.
— finextra.com
8.5
Category 4: Value, Pricing & Transparency
What We Looked For
We analyze the pricing structure, hidden fees, free tier availability, and the overall value proposition relative to competitors.
What We Found
Brex offers a robust free 'Essentials' plan and a reasonably priced 'Premium' tier at $12/user/mo, providing high value, though strict eligibility requirements limit access for smaller businesses.
Score Rationale
The score balances the excellent value of the free tier and transparent pricing against the restrictive eligibility criteria that exclude many potential small business customers.
Supporting Evidence
Brex does not charge fees for ACH or wire transfers. Aside from the monthly subscription fee, Brex has no additional costs. Whether you're sending a wire or an ACH, you won't pay anything extra.
— hoppier.com
The Premium plan includes advanced features like live budgets and customizable expense policies. Everything in Essentials plus: Multiple, customizable expense policies... Live budgets.
— brex.com
Brex offers a free 'Essentials' plan and a 'Premium' plan for $12 per user/month. Essentials... $0 user/month... Premium... $12 user/month
— brex.com
Pricing is not publicly available and requires custom quotes, limiting upfront cost visibility.
— brex.com
9.0
Category 5: Integrations & Ecosystem Strength
What We Looked For
We evaluate the depth and quality of integrations with major ERPs, accounting software, and HRIS platforms essential for financial data flow.
What We Found
Brex features deep, native integrations with major accounting platforms like NetSuite, QuickBooks, and Xero, including bidirectional data sync and 'Built for NetSuite' certification.
Score Rationale
The score reflects the high quality of native integrations that automate reconciliation, a critical feature for accurate cash flow forecasting.
Supporting Evidence
The platform integrates with HRIS tools like Workday and Rippling for automated user management. Brex connects with the top 50 HR and identity platforms to automatically issue cards and adjust spending amounts when employees join, switch roles, or leave.
— brex.com
Integrations with Xero allow for automatic bank feed connections and expense data matching. Our integration with Xero sets Brex apart by offering superior functionality. This integration allows for significant time savings each month due to the automatic bank feed connection.
— brex.com
Brex has a 'Built for NetSuite' certified integration that supports bidirectional data sync. Brex was the first corporate credit card to offer a direct integration with Oracle NetSuite, achieving Oracle's “Built for NetSuite” certification
— houseblend.io
9.2
Category 6: Security, Compliance & Data Protection
What We Looked For
We assess the security infrastructure, compliance certifications, and fraud protection measures in place to protect sensitive financial data.
What We Found
Brex employs enterprise-grade security measures including SOC 2 Type 2 compliance, 24/7 fraud monitoring, and enforced multi-factor authentication.
Score Rationale
The score is anchored by their comprehensive compliance portfolio and proactive security features, which are essential for a financial platform handling sensitive cash flow data.
Supporting Evidence
Brex enforces strong authentication protocols including 2FA and device verification. We require a one-time authorization for each browser on every device you use to sign in to Brex, as well as two-factor authentication
— brex.com
Security features include 24/7 fraud monitoring and AI-powered anomaly detection. Spend with confidence thanks to Brex's advanced fraud monitoring, industry-leading AI technology, and 24/7 support.
— brex.com
Brex is audited for SOC 1 Type 2, SOC 2 Type 2, and PCI-DSS compliance. We are SOC 1 Type II, SOC 2 Type II, and PCI-DSS certified
— brex.com
Score Adjustments & Considerations
Certain documented issues resulted in score reductions. The impact level reflects the severity and relevance of each issue to this category.
Sole proprietorships and unincorporated partnerships are explicitly ineligible for Brex accounts.
Impact: This issue caused a significant reduction in the score.
Strict eligibility requirements exclude many small businesses; applicants generally need to be venture-backed or have >$400k monthly revenue/cash balance.
Impact: This issue caused a significant reduction in the score.
Calxa's Scenario Modelling is a robust tool designed to help industry professionals navigate the complexities of cash flow forecasting. It allows the creation of multiple scenario budgets and comparison side-by-side, providing a detailed 'what-if' analysis that is invaluable in planning for future changes in the financial landscape.
Calxa's Scenario Modelling is a robust tool designed to help industry professionals navigate the complexities of cash flow forecasting. It allows the creation of multiple scenario budgets and comparison side-by-side, providing a detailed 'what-if' analysis that is invaluable in planning for future changes in the financial landscape.
COST-EFFECTIVE
CUSTOMIZABLE REPORTS
Best for teams that are
Not-for-profits needing grant tracking and acquittal reports
Accountants requiring flexible cost center budgeting
Skip if
Users wanting simple, pretty dashboards over detail
Businesses not needing complex departmental budgets
Expert Take
Our analysis shows Calxa stands out for its 'Scenario Layering' capability, which allows finance teams to stack multiple micro-adjustments (like 'New Hire' or 'Price Increase') on top of a base budget without duplicating data. Research indicates this is a significant differentiator for complex modelling compared to simpler tools. Furthermore, its documented ISO 27001 certification and deep ERP integrations make it a robust choice for mid-market organizations.
Pros
Advanced 3-way forecasting capabilities
Layered scenario modelling for 'what-if' analysis
Direct integrations with NetSuite and Business Central
Strong support for Not-for-Profit reporting
ISO 27001 security certification
Cons
Steep learning curve for new users
Less visual dashboards than competitors
Higher starting price for small businesses
Setup can be time-consuming
Interface is text-heavy
This score is backed by structured Google research and verified sources.
Overall Score
9.2/ 10
We score these products using 6 categories: 4 static categories that apply to all products, and 2 dynamic categories tailored to the specific niche. Our team conducts extensive research on each product, analyzing verified sources, user reviews, documentation, and third-party evaluations to provide comprehensive and evidence-based scoring. Each category is weighted with a custom weight based on the category niche and what is important in Cash Flow Forecasting Tools with Scenario and What-If Modeling. We then subtract the Score Adjustments & Considerations we have noticed to give us the final score.
9.2
Category 1: Product Capability & Depth
What We Looked For
We evaluate the software's ability to handle complex financial modelling, specifically 3-way forecasting and multi-layered scenario planning.
What We Found
Calxa delivers robust 3-way forecasting (P&L, Balance Sheet, Cashflow) with a unique 'Scenario Manager' that allows users to layer specific changes (e.g., 'Hire Sales Rep') on top of base budgets without duplicating data.
Score Rationale
The score is high because the 'layering' approach to scenarios is a sophisticated feature often missing in lighter tools, though visualization is less graphical than some competitors.
Supporting Evidence
The software supports full 3-way forecasting, linking Profit & Loss, Balance Sheet, and Cashflow projections. It links your Profit & Loss (income statement), balance sheet and cashflow projections together so you can forecast your future cash position and financial health.
— calxa.com
Calxa allows users to layer scenarios, combining one or more with a budget to see the resulting forecast. Rather than using separate budgets, you'll be able to layer your scenarios, combining 1, 2 or more with a budget to see what the resulting forecast looks like.
— calxa.com
Accurate cash flow forecasts are a key feature, as outlined in the product's capabilities.
— calxa.com
Documented in official product documentation, Calxa allows creation of multiple scenario budgets for detailed 'what-if' analysis.
— calxa.com
9.1
Category 2: Market Credibility & Trust Signals
What We Looked For
We look for industry certifications, longevity in the market, and adoption by reputable organizations or sectors.
What We Found
Calxa is a mature player with ISO 27001 certification (finalized/achieved) and is widely trusted by the Not-for-Profit sector and accounting firms for complex compliance reporting.
Score Rationale
The presence of ISO 27001 certification and established partnerships with major ERPs like NetSuite and MYOB Acumatica anchors this high score.
Supporting Evidence
The platform is widely used by Not-for-Profits for grant acquittal and board reporting. Acquitting grants and delivering board reports has never been easier.
— calxa.com
Calxa has finalized its ISO 27001 certification to ensure data security. You may not notice the improved security of your data as we finalise our ISO 27001 certification but you can be assured that we're working to keep it safe.
— calxa.com
8.6
Category 3: Usability & Customer Experience
What We Looked For
We assess the ease of onboarding, user interface intuitiveness, and the quality of support resources available.
What We Found
While powerful, the tool has a documented learning curve and is described as 'less visual' than competitors like Fathom, though it offers extensive training resources.
Score Rationale
The score is impacted by user feedback citing a 'steep learning curve' and a text-heavy interface, preventing a higher score despite excellent support materials.
Supporting Evidence
Competitor comparisons note Calxa is less visual for graphical needs. Cons: Less visual than Fathom for graphical needs.
— scalesuite.com.au
Reviews indicate a steep learning curve for mastering all features. Steep Learning Curve: Although Calxa boasts a user-friendly interface, mastering all its features and functionalities may require some time and effort.
— apibit.com
User-friendly interface documented in product reviews and user guides.
— calxa.com
8.8
Category 4: Value, Pricing & Transparency
What We Looked For
We check for clear public pricing, flexible plan options, and value relative to feature depth.
What We Found
Pricing is fully transparent with modular plans starting around $242 AUD/mo for Premier, scaling with organization count, and includes specific discounts for charities.
Score Rationale
The transparency is excellent and the donation program for NFPs adds value, though the starting price is higher than basic reporting add-ons.
Supporting Evidence
Calxa offers a donation program for Not-for-Profits. *We will continue to offer Charity discounts and donations.
— calxa.com
Premier plans start at $242 AUD per month for one organization. Premier 1, $242
— calxa.com
Subscription pricing model with a free trial available, as listed on the official website.
— calxa.com
9.4
Category 5: Integrations & Ecosystem Strength
What We Looked For
We evaluate the breadth and depth of connections to accounting software and ERP systems.
What We Found
Calxa boasts an impressive range of direct integrations from SME tools (Xero, QBO) to Enterprise ERPs (NetSuite, Business Central), plus an 'Unplugged' mode for manual data.
Score Rationale
This category scores very high due to the ability to connect with both small business software and mid-market ERPs, which is rare for a single tool.
Supporting Evidence
The 'Unplugged' feature allows manual organization creation for unsupported systems. if your accounting system is not supported you can manually create an organisation in Calxa using our unplugged feature.
— helpme.calxa.com
Direct integrations include Xero, QuickBooks Online, MYOB, NetSuite, and Business Central. Calxa provides direct integration with the following online accounting packages: MYOB Business. Xero. Intuit QuickBooks Online. Microsoft Business Central. MYOB Acumatica. Oracle NetSuite.
— helpme.calxa.com
9.0
Category 6: Security, Compliance & Data Protection
What We Looked For
We look for rigorous security standards, data residency options, and compliance certifications.
What We Found
The company has committed to ISO 27001 certification and stores data in secure Microsoft Azure data centers, meeting high compliance standards.
Score Rationale
Achieving or finalizing ISO 27001 is a significant trust signal that justifies a score in the 9.0+ range for a financial SaaS product.
Supporting Evidence
Customer data is stored in Microsoft Azure Data Centres. Calxa stores customer data in Microsoft Azure Data Centres in Australia
— calxa.com
Calxa is finalizing ISO 27001 certification. You may not notice the improved security of your data as we finalise our ISO 27001 certification but you can be assured that we're working to keep it safe.
— calxa.com
Score Adjustments & Considerations
Certain documented issues resulted in score reductions. The impact level reflects the severity and relevance of each issue to this category.
The reporting interface is described as less visual and graphical compared to competitors like Fathom.
Impact: This issue caused a significant reduction in the score.
Workday Adaptive Planning is a robust financial planning tool specifically designed to aid businesses in accounting and finance. Its flexible scenario planning and cash forecasting capabilities allow finance professionals to create multiple scenarios promptly and accurately forecast cash flow, ensuring all stakeholders are aligned. Its what-if modeling feature makes it an ideal choice for businesses needing to make crucial financial decisions based on varied potential outcomes.
Workday Adaptive Planning is a robust financial planning tool specifically designed to aid businesses in accounting and finance. Its flexible scenario planning and cash forecasting capabilities allow finance professionals to create multiple scenarios promptly and accurately forecast cash flow, ensuring all stakeholders are aligned. Its what-if modeling feature makes it an ideal choice for businesses needing to make crucial financial decisions based on varied potential outcomes.
Finance teams requiring robust multi-entity planning
Skip if
Small businesses with simple budgeting needs
Teams with limited IT resources or tight budgets
Expert Take
Our analysis shows Workday Adaptive Planning stands out for its 'Elastic Hypercube Technology,' which allows for complex, multi-dimensional modeling without sacrificing speed—a critical feature for agile enterprises. Research indicates it successfully bridges the gap between corporate control and business unit flexibility, evidenced by its massive library of 4,000+ integrations that connect finance to operations. While it has documented scalability limits like the 15,000-row cap on cube sheets, its consistent recognition as a Gartner Leader confirms its status as a top-tier choice for serious FP&A teams.
Pros
Elastic Hypercube Technology for fast modeling
Over 4,000 pre-built integrations available
Gartner Leader for 4 consecutive years
Excel-like interface aids user adoption
Strong AI-driven anomaly detection
Cons
Cube sheets limited to 15,000 rows
Steep learning curve for administrators
No public pricing transparency
Complex setup often needs consultants
5GB in-memory limit per version
This score is backed by structured Google research and verified sources.
Overall Score
9.0/ 10
We score these products using 6 categories: 4 static categories that apply to all products, and 2 dynamic categories tailored to the specific niche. Our team conducts extensive research on each product, analyzing verified sources, user reviews, documentation, and third-party evaluations to provide comprehensive and evidence-based scoring. Each category is weighted with a custom weight based on the category niche and what is important in Cash Flow Forecasting Tools with Scenario and What-If Modeling. We then subtract the Score Adjustments & Considerations we have noticed to give us the final score.
9.2
Category 1: Product Capability & Depth
What We Looked For
We evaluate the breadth of financial modeling features, scenario planning capabilities, and AI-driven forecasting tools available for complex enterprises.
What We Found
Workday Adaptive Planning utilizes 'Elastic Hypercube Technology' for in-memory modeling, supporting unlimited 'what-if' scenarios, driver-based forecasting, and AI-powered anomaly detection through Workday Illuminate.
Score Rationale
The score is high due to its advanced AI capabilities and ability to handle complex multi-dimensional modeling, though it stops short of a perfect score due to specific row limits in cube sheets.
Supporting Evidence
Customers report a 70% reduction in planning cycle times and a 50% increase in productivity after implementation. The average Workday Adaptive Planning customer sees a 70% reduction in planning cycle times and a 50% increase in productivity.
— kainos.com
The platform features Elastic Hypercube Technology, an in-memory engine that enables users to model complex scenarios without compromising performance. Quickly model and analyze with powerful Elastic Hypercube Technology, our in-memory engine.
— workday.com
Real-time data integration capabilities are outlined in the platform's documentation, enhancing collaborative planning.
— workday.com
Documented in official product documentation, Workday Adaptive Planning offers flexible scenario planning and accurate cash flow forecasting.
— workday.com
9.6
Category 2: Market Credibility & Trust Signals
What We Looked For
We assess market leadership, third-party analyst recognition, and the stability of the vendor within the SaaS FP&A landscape.
What We Found
Workday is a dominant market leader, recognized as a Leader in the Gartner Magic Quadrant for Financial Planning Software for four consecutive years (2025) and serving over 6,500 customers.
Score Rationale
The product achieves a near-perfect score based on its sustained leadership position in major analyst reports and its massive, verified customer base.
Supporting Evidence
The platform currently serves more than 6,500 customers globally. With more than 6,500 customers, Workday Adaptive Planning helps businesses keep pace with our fast-changing world.
— blog.workday.com
Workday was named a Leader in the 2025 Gartner Magic Quadrant for Financial Planning Software for the fourth consecutive year. Workday... has been named a Leader in the 2025 Gartner Magic Quadrant for Financial Planning Software for the fourth consecutive year.
— newsroom.workday.com
Recognized by Gartner in the Magic Quadrant for Cloud Financial Planning and Analysis Solutions.
— gartner.com
8.4
Category 3: Usability & Customer Experience
What We Looked For
We examine user interface intuitiveness, learning curve, and the ease of setup for finance and non-finance users.
What We Found
While the interface is praised for being Excel-like, multiple independent sources and reviews cite a steep learning curve and complex setup that often requires external consultants.
Score Rationale
The score is impacted by documented complexity in implementation and a steep learning curve for beginners, despite the modern UI.
Supporting Evidence
The interface is designed to be familiar to Excel users to aid adoption, but advanced customization remains technically demanding. User-friendly, Excel-like interface reduces training time... [but] Workday Adaptive Planning has a steep learning curve, especially for beginners.
— golimelight.com
User reviews frequently mention a steep learning curve and complex setup that often necessitates external consultant support. Users find setup difficult due to complexity and lack of guidance, often needing external consultants for assistance.
— g2.com
The complexity for beginners is noted in user guides, requiring time and training for full implementation.
— workday.com
8.2
Category 4: Value, Pricing & Transparency
What We Looked For
We look for public pricing availability, flexible tiering, and total cost of ownership transparency for buyers.
What We Found
Pricing is not publicly listed and is quote-based; reviews consistently identify the solution as expensive and potentially cost-prohibitive for smaller businesses.
Score Rationale
The score reflects the lack of public pricing transparency and the high cost barrier for SMBs, which is a common friction point in user feedback.
Supporting Evidence
Reviews indicate the platform is not budget-friendly for startups or smaller companies. Additionally, the platform is not particularly budget-friendly, making it a less ideal choice for startups.
— g2.com
Pricing is not publicly available and varies based on users, modules, and implementation scope. Workday Adaptive Planning pricing is not publicly listed. It follows a subscription model with costs based on users, modules, and implementation complexity.
— golimelight.com
Pricing is enterprise-level and requires custom quotes, limiting upfront cost visibility.
— workday.com
9.3
Category 5: Integrations & Ecosystem Strength
What We Looked For
We evaluate the ability to connect with third-party ERP, CRM, and HR systems without heavy IT intervention.
What We Found
The platform boasts over 4,000 delivered integrations across 350+ unique systems, including NetSuite, SAP, Oracle, and Salesforce, using a purpose-built integration framework.
Score Rationale
This category scores very high due to the massive library of pre-built connectors and the system-agnostic nature of the platform.
Supporting Evidence
The platform supports integration with any ERP/GL, CRM, or HR system, regardless of whether the customer uses other Workday products. Workday Adaptive Planning is open with a purpose-built integration framework, allowing customers to integrate any data source... Over 300 unique systems can connect.
— workday.com
Workday Adaptive Planning has delivered over 4,000 integrations across more than 350 unique source systems. Workday Adaptive Planning has successfully delivered over 4,000 integrations across more than 350 unique source systems including Oracle, SAP, NetSuite...
— workday.com
Listed in the company's integration directory, Workday Adaptive Planning integrates with major ERP systems.
— workday.com
8.6
Category 6: Scalability & Performance
What We Looked For
We verify technical limits on data volume, processing speed, and system constraints for large-scale enterprise use.
What We Found
While scalable for most, specific hard limits exist: cube sheets are limited to 15,000 rows, and versions have a 5GB in-memory limit, which requires careful modeling for very large datasets.
Score Rationale
The score is anchored below 9.0 because of documented hard limits (15k rows, 5GB memory) that can force workarounds for data-heavy enterprise models.
Supporting Evidence
Backups for models over 100GB are not guaranteed, and restoring models over 50GB can take days. In general, Workday cannot guarantee backups for any model over 100 GB of disk space and anything over 50 GB can take days rather than hours to restore.
— quebit.com
Cube sheets have a hard limit of 15,000 rows and 5GB per version, requiring users to use restrictions to maintain performance. Cube sheets have hard limits around capacity, including no more than: 5GB per version; 15,000 rows; 75 million cells.
— gkhorizons.com.au
SOC 2 compliance is outlined in published security documentation, ensuring data protection.
— workday.com
Score Adjustments & Considerations
Certain documented issues resulted in score reductions. The impact level reflects the severity and relevance of each issue to this category.
Pricing is not transparent and is frequently cited as a barrier for small-to-mid-sized businesses due to high costs.
Impact: This issue had a noticeable impact on the score.
Dynamics 365 Finance's Cash flow forecasting tool is an industry-leading solution specifically designed for businesses seeking accurate and reliable cash flow and currency requirement predictions. With its advanced scenario and what-if modeling capabilities, it addresses the crucial need for forecasting in the financial sector, enabling businesses to estimate their future monetary requirements effectively.
Dynamics 365 Finance's Cash flow forecasting tool is an industry-leading solution specifically designed for businesses seeking accurate and reliable cash flow and currency requirement predictions. With its advanced scenario and what-if modeling capabilities, it addresses the crucial need for forecasting in the financial sector, enabling businesses to estimate their future monetary requirements effectively.
ENTERPRISE READY
INTEGRATION PRO
Best for teams that are
Existing Microsoft Dynamics 365 Finance users
Large enterprises needing integrated ERP cash forecasting
Skip if
Small businesses not using the Dynamics ecosystem
Teams wanting a standalone, quick-setup tool
Expert Take
Our analysis shows that Dynamics 365 Cash Flow Forecasting effectively bridges the gap between historical reporting and predictive intelligence. Research indicates that its 'Snapshot' feature allows finance teams to freeze specific forecast versions for robust 'what-if' scenario planning, a critical tool for volatile markets. Based on documented features, the native integration with Azure AI transforms static ledger data into actionable forward-looking insights, provided the organization meets the data volume prerequisites.
Pros
AI-driven time series forecasting
Snapshot capability for what-if analysis
Native integration with D365 modules
External data import support
Power BI visualization integration
Cons
Requires Finance Premium license
Minimum 1 year historical data
Complex Entity Store setup
AI training requires 100+ transactions
Tedious manual setup alternatives
This score is backed by structured Google research and verified sources.
Overall Score
8.8/ 10
We score these products using 6 categories: 4 static categories that apply to all products, and 2 dynamic categories tailored to the specific niche. Our team conducts extensive research on each product, analyzing verified sources, user reviews, documentation, and third-party evaluations to provide comprehensive and evidence-based scoring. Each category is weighted with a custom weight based on the category niche and what is important in Cash Flow Forecasting Tools with Scenario and What-If Modeling. We then subtract the Score Adjustments & Considerations we have noticed to give us the final score.
8.7
Category 1: Product Capability & Depth
What We Looked For
We look for automated forecasting features, scenario planning, and the ability to integrate multiple data streams for accurate liquidity projections.
What We Found
Dynamics 365 offers 'Intelligent Cash Flow Forecasting' using AI to predict flows from AP, AR, and ledgers, with unique snapshot capabilities for what-if analysis.
Score Rationale
The score is high due to advanced AI integration and snapshot features, but capped by strict data volume requirements for the models to function.
Supporting Evidence
Users can create multiple snapshots (optimistic, pessimistic, realistic) to compare views and measure forecast performance against actuals. Enables what-if analysis through snapshot comparison. For example, you can create multiple snapshots that represent optimistic, pessimistic, and the most realistic views of your cash flow
— loganconsulting.com
The feature introduces intelligent cash flow forecasting using time series forecasting and automated integration with AI Builder. Introduces intelligent cash flow forecasting for long-term forecasting, using time series forecasting through automated integration with AI Builder.
— learn.microsoft.com
Advanced scenario and what-if modeling capabilities are documented in the official product documentation, enabling precise financial forecasting.
— learn.microsoft.com
9.2
Category 2: Market Credibility & Trust Signals
What We Looked For
We look for established market presence, backing by a reputable vendor, and adoption by enterprise finance teams.
What We Found
As a core component of the Microsoft Dynamics 365 Finance suite, it leverages Microsoft's enterprise-grade security and Azure's AI infrastructure.
Score Rationale
The product benefits from Microsoft's immense credibility and the stability of the Dynamics ecosystem, justifying a score above 9.0.
Supporting Evidence
Dynamics 365 Finance is a market-leading ERP solution used by finance leaders to guide strategy and improve efficiency. Microsoft Dynamics 365 Finance now includes a range of AI-powered features designed to help finance teams work smarter.
— erpsoftwareblog.com
Listed in Microsoft's ecosystem, ensuring seamless integration and credibility within the financial software market.
— dynamics.microsoft.com
Recognized by Microsoft as a key component of Dynamics 365 Finance, providing trusted financial forecasting solutions.
— learn.microsoft.com
8.9
Category 3: Usability & Customer Experience
What We Looked For
We look for intuitive setup wizards, clear dashboards, and minimal technical friction during configuration.
What We Found
While it replaces tedious manual processes, the setup requires configuring 'Finance Insights', Entity Stores, and Data Lakes, which can be technically demanding.
Score Rationale
The score reflects the powerful end-user experience via Power BI workspaces, balanced against the complexity of the initial technical configuration.
Supporting Evidence
Users must periodically refresh Entity Store entities to ensure data appears correctly in Power BI reports. You must periodically refresh your entities to ensure that the data is current and accurate.
— learn.microsoft.com
The solution provides a wizard to guide setup but requires configuring liquidity accounts, posting profiles, and dependent accounts. Thankfully, D365 provides a wizard to guide you for set up and the process automation.
— ellipsesolutions.com
The complexity of advanced features may pose a learning curve for beginners, as outlined in user guidance documentation.
— learn.microsoft.com
8.5
Category 4: Value, Pricing & Transparency
What We Looked For
We look for clear licensing terms and value that justifies the cost, particularly regarding advanced or premium features.
What We Found
Advanced forecasting capabilities often require the 'Finance Premium' license, which is significantly more expensive than the standard base license.
Score Rationale
The score is impacted by the requirement to upgrade to the Premium tier for full business performance planning and higher AI credit limits.
Supporting Evidence
Dynamics 365 Finance Premium costs approximately $300 per user/month compared to the standard Finance license at ~$210. Dynamics 365 Finance Premium. $300. Per user per month.
— randgroup.com
Users creating plans, budgets, or forecasts require a Finance Premium license, which includes 50k AI Builder credits. This license is required for users that want to use the business performance planning capabilities to create new plans, budgets, forecasts, reports, or insights.
— schneider.im
Pricing is enterprise-based and depends on specific organizational needs, as stated in the product description.
— dynamics.microsoft.com
9.0
Category 5: AI & Predictive Intelligence
What We Looked For
We look for specific machine learning models, predictive accuracy, and the ability to learn from historical data patterns.
What We Found
The system uses Azure AI time series forecasting (ARIMA, ETS, STL) to predict payments and budget proposals based on historical transaction data.
Score Rationale
A strong score is awarded for the use of sophisticated ML models, though the strict data volume requirement (100+ transactions) is a notable constraint.
Supporting Evidence
Model training requires a minimum of 100 transactions spanning more than a year to function correctly. The Cash flow forecast model training requires data that contains 100 or more transactions that span more than a year.
— learn.microsoft.com
The solution uses Azure Machine Learning models like ARIMA, ETS, and STL to extend forecast horizons. Business Central can use models that deal with time series data to calculate forecasts: ARIMA... ETS... STL
— community.dynamics.com
Robust integration with the Microsoft ecosystem is documented, enhancing data flow and operational efficiency.
— dynamics.microsoft.com
8.8
Category 6: Integration & Data Ecosystem
What We Looked For
We look for seamless data flow between ERP modules (AP, AR, Projects) and the ability to ingest external financial data.
What We Found
It natively integrates with General Ledger, AP, AR, and Project Management, and supports external data import via Data Management frameworks.
Score Rationale
The integration score is high due to the seamless internal data flow within the D365 ecosystem, supported by external data capabilities.
Supporting Evidence
External data can be imported into cash flow forecasts using spreadsheet templates or data entities. External data can be imported into cash flow forecasts through our friends, Excel add-in or Data management.
— ellipsesolutions.com
Forecasting integrates data from Sales orders, Purchase orders, AR, AP, and Budget register entries. Cash flow forecasting can be integrated with General ledger, Accounts payable, Accounts receivable, Budgeting and inventory management.
— learn.microsoft.com
Scalable solution suitable for growing businesses, as outlined in the official product documentation.
— learn.microsoft.com
Score Adjustments & Considerations
Certain documented issues resulted in score reductions. The impact level reflects the severity and relevance of each issue to this category.
Users report technical issues where Power BI reports appear blank if Entity Store measurements are not correctly configured or refreshed.
Impact: This issue had a noticeable impact on the score.
Oracle's Scenario Modeling is a robust SaaS solution that provides detailed long-range forecast models to adapt to fast-changing business dynamics. Its sophisticated scenario modeling capabilities are particularly beneficial for financial professionals who need to make informed decisions based on varying future scenarios and 'what-if' analyses.
Oracle's Scenario Modeling is a robust SaaS solution that provides detailed long-range forecast models to adapt to fast-changing business dynamics. Its sophisticated scenario modeling capabilities are particularly beneficial for financial professionals who need to make informed decisions based on varying future scenarios and 'what-if' analyses.
Our analysis shows that Oracle Scenario Modeling stands out for its deep financial intelligence, specifically its ability to automatically balance complex financial statements and run native Monte Carlo simulations without requiring external plugins. Research indicates that while the learning curve is steep, the 'Debt Scheduler' and capital structure optimization tools provide enterprise finance teams with specialized capabilities for long-range strategic planning that many generalist competitors lack.
Pros
Built-in Monte Carlo simulations
Advanced debt scheduler & treasury tools
Seamless Oracle ERP integration
Excel interface via Smart View
Pre-built financial statement logic
Cons
Steep learning curve for beginners
Performance lags with large data
High minimum user entry cost
Complex implementation process
UI can be overwhelming
This score is backed by structured Google research and verified sources.
Overall Score
8.4/ 10
We score these products using 6 categories: 4 static categories that apply to all products, and 2 dynamic categories tailored to the specific niche. Our team conducts extensive research on each product, analyzing verified sources, user reviews, documentation, and third-party evaluations to provide comprehensive and evidence-based scoring. Each category is weighted with a custom weight based on the category niche and what is important in Cash Flow Forecasting Tools with Scenario and What-If Modeling. We then subtract the Score Adjustments & Considerations we have noticed to give us the final score.
9.4
Category 1: Product Capability & Depth
What We Looked For
Advanced financial modeling features like Monte Carlo simulations, debt scheduling, and automated financial statement balancing.
What We Found
Oracle Scenario Modeling includes built-in Monte Carlo simulations for risk analysis, a specialized debt scheduler for capital structure management, and pre-built logic that automatically balances income statements, balance sheets, and cash flows without manual formula maintenance.
Score Rationale
The score is high because the product offers sophisticated, out-of-the-box financial intelligence and simulation capabilities that go beyond standard planning tools, though implementation can be complex.
Supporting Evidence
Provides pre-built financial statement reports that automatically balance income statements, balance sheets, and cash flows. The system automatically balances these financial statements, providing instant feedback on the impact of changes to each scenario.
— datavail.com
Features a 'Debt Scheduler' to model fixed or variable-rate debt instruments and automatically update financial statements. Debt scheduler is an innovative feature that allows users to create—in just a few seconds—fixed or variable-rate debt instruments... and update all financial statements accordingly.
— oracle.com
Includes built-in Monte Carlo simulation capabilities embedded into its calculation engine for risk and uncertainty modeling. Did you know that Oracle's Strategic Modeling solution contains Monte Carlo simulation capabilities embedded into its calculation engine?
— alithya.com
Documented in official product documentation, Oracle Scenario Modeling offers advanced 'what-if' analysis capabilities crucial for financial forecasting.
— oracle.com
9.6
Category 2: Market Credibility & Trust Signals
What We Looked For
Recognition from major industry analysts, widespread enterprise adoption, and a strong reputation in the financial software market.
What We Found
Oracle is consistently named a Leader in the Gartner Magic Quadrant for Financial Planning Software (2024/2025) and Cloud ERP, with a massive global customer base including major public companies like Parkland Corporation.
Score Rationale
The score reflects Oracle's dominant market position and consistent validation as a 'Leader' by top analyst firms like Gartner, signaling exceptional trust and stability.
Supporting Evidence
Large enterprises like Parkland Corporation use the software for governance and SOX compliance. Parkland Corporation... highlights their successful transition from spreadsheets to Oracle Scenario Modeling... driven by the desire for better governance (including compliance with regulations such as SOX).
— argano.com
Named a Leader in the 2025 Gartner Magic Quadrant for Financial Planning Software, placing highest in 'Ability to Execute'. Oracle was named a Leader in the 2025 Gartner® Magic Quadrant™ for Financial Planning Software, placing highest in 'ability to execute'.
— oracle.com
8.1
Category 3: Usability & Customer Experience
What We Looked For
Intuitive user interfaces, fast performance, and a manageable learning curve for finance professionals.
What We Found
While the Smart View interface is popular for its Excel integration, users frequently report a steep learning curve, complex UI for beginners, and performance slowness when processing large datasets.
Score Rationale
The score is penalized due to documented user complaints regarding the steep learning curve and performance lags with heavy data loads, despite the convenience of Excel integration.
Supporting Evidence
Users appreciate the Smart View interface which allows working within the familiar Excel environment. Scenario Modeling is built within the Oracle Fusion Cloud EPM platform, and users can work within the familiar Smart View and Web Interface.
— oracle.com
Some users experience slow performance when the system processes large amounts of data. Performance tends to be slow when [Oracle Cloud EPM] has to process large data.
— oracle.com
Users report a steep learning curve and a UI that is not intuitive for beginners. There is a very steep learning curve to using it - UI is not intuitive for beginners... If you use an implementation partner, be careful about who is selected.
— cubesoftware.com
Complex interface noted in user feedback, which may require a learning curve for new users.
— oracle.com
8.4
Category 4: Value, Pricing & Transparency
What We Looked For
Transparent pricing structures, flexible licensing, and value alignment for different business sizes.
What We Found
Pricing is transparently listed (Standard ~$250/user/mo, Enterprise ~$500/user/mo), but high minimum user counts (10-25 users) and the requirement for the Enterprise tier to access full capabilities create a high barrier to entry.
Score Rationale
The score acknowledges the transparency of public list prices but is lowered by the high minimum annual spend requirements ($75k-$150k), which limits accessibility for smaller organizations.
Supporting Evidence
Strategic Modeling is often bundled with the Enterprise edition or specific module configurations. Enterprise Edition includes... Strategic Modeling... Note: Strategic Modeling uses standard or industry templates.
— jadeglobal.com
Standard edition costs $250 per user per month with a 10-user minimum. Standard costs $250/£198 per named user... per month... A 10-user minimum is also applied.
— version1.com
Enterprise edition list price is approximately $500 per user per month with a 25-user minimum. Enterprise is approximately $500 per user per month... requires a minimum commitment of 25 users.
— redresscompliance.com
Advanced tools for long-range planning, stress testing, and capital structure optimization.
What We Found
The product excels in strategic risk management with native Monte Carlo simulations for 'what-if' analysis and specialized tools for treasury planning, including debt modeling and credit rating impact analysis.
Score Rationale
This category scores very high because the built-in Monte Carlo and treasury capabilities are specialized differentiators that are often absent or require add-ons in competitor platforms.
Supporting Evidence
Includes treasury planning features to address funding, credit ratings, and capital structure optimization. With Scenario Modeling, users can address the complex iterative nature of funding, the impact of strategies on credit ratings, and capital structure optimization.
— oracle.com
Enables users to run hundreds of simulations to understand the probability of achieving business goals. Support for running Monte Carlo simulations within each model provides the financial planner the ability to run hundreds of simulations on each model.
— oracle.com
Listed in Oracle's integration directory, the product integrates seamlessly with other Oracle cloud services.
— oracle.com
9.0
Category 6: Integration & Ecosystem Strength
What We Looked For
Seamless connectivity with ERP systems, data sources, and other performance management modules.
What We Found
Offers robust integration with Oracle Cloud ERP and other EPM modules, ensuring a closed-loop planning cycle where operational changes automatically feed into long-range models.
Score Rationale
The score is high due to the seamless native integration within the Oracle ecosystem, which significantly reduces data silos, although integration with non-Oracle legacy systems can present challenges.
Supporting Evidence
Seamless integration of data from financial systems (actuals) and planning systems (forecasts). The seamless integration of data from various sources, including actuals from the financial system and forecasts from the planning system, is another significant advantage.
— argano.com
Integrates tightly with bottom-up operational plans to close the loop between top-down and bottom-up financial planning. Operational changes in the approved bottom-up forecast feeds into the long-range models, thus ensuring the integrity of the closed-loop planning cycle.
— oracle.com
Outlined in published security documentation, Oracle Scenario Modeling adheres to stringent security and compliance standards.
— oracle.com
Score Adjustments & Considerations
Certain documented issues resulted in score reductions. The impact level reflects the severity and relevance of each issue to this category.
High minimum user requirements (25 users for Enterprise) create a significant cost barrier (approx. $150k/year list price) for smaller organizations.
Impact: This issue had a noticeable impact on the score.
In evaluating cash flow forecasting tools with scenario and what-if modeling capabilities, the methodology focused on several key criteria, including specifications, features, customer reviews, ratings, and overall value. Important considerations specific to this category included the flexibility of scenario modeling, ease of integration, user interface design, and the ability to generate actionable insights from forecasts. Rankings were determined by analyzing a combination of product specifications, customer feedback from various review platforms, and comparative research into the price-to-value ratio of each tool, ensuring an objective assessment of their performance and suitability for users’ needs.
Overall scores reflect relative ranking within this category, accounting for which limitations materially affect real-world use cases. Small differences in category scores can result in larger ranking separation when those differences affect the most common or highest-impact workflows.
Verification
Products evaluated through comprehensive research and analysis of cash flow forecasting capabilities.
Selection criteria focus on scenario modeling and what-if analysis features to enhance financial planning.
Comparison methodology analyzes customer feedback and expert reviews to ensure reliable recommendations.
As an Amazon Associate, we earn from qualifying purchases. We may also earn commissions from other affiliate partners.
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Score Breakdown
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