ReviewUpdated October 20267 tools compared

Best 13-week cash flow forecasting tools for 2026

We rank Transformance first for 13-week cash flow forecasting: it is our product, and its CashPulse module builds net cash from live AR and AP data, with 90-95% accuracy out to 90 days and a first 13-week forecast in 2-4 weeks. Six other tools are compared by use case.

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What a 13-week cash flow forecast tool needs to do

A 13-week cash flow forecast is a rolling, week-by-week projection of cash receipts and disbursements over the next quarter. It uses the direct method: actual cash in, actual cash out. Finance leaders use it to see liquidity gaps early, manage covenants, time capital spending and decide on credit lines.

Getting that projection right is hard. Cash and liquidity forecasting is treasury's most frequently cited challenge, named by 49% of respondents (AFP, 2026). Nearly four in five companies in Western Europe report late payments, and trade credit makes up 52% of all B2B transactions (Atradius, 2026). Every year, 11% of revenues are paid late to businesses, based on insights from 9,150 executives across 25 European countries (Intrum, 2025).

The tools in this list approach the job from different directions. Some are planning platforms where cash is one use case. Some are treasury suites with bank connectivity. Some are forecasting apps built for smaller teams. Transformance CashPulse predicts when each open invoice will be paid and projects payables from contracts, payroll, tax schedules and committed purchase orders.

This page compares seven tools by use case, using public information from each vendor. Use it to shortlist the two or three that match your ERP landscape, your team size and the level of detail you need.

Transformance CashPulse delivers 90-95% forecast accuracy out to 90 days, with 30-, 90- and 365-day horizons on one model (Transformance platform data, 2026). Customers get their first 13-week forecast from CashPulse in 2-4 weeks, with full rollout in up to 4-8 weeks (Transformance customer data, 2026).

At a glance

Our pick and the first two alternatives, A to Z

01

Net cash forecast from live AR and AP data, 90-95% accuracy to 90 days, first 13-week forecast in 2-4 weeks.

Multi-entity enterprises that want forecast and action in one platform Read review →
Alternative
Anaplan

Connected planning platform with an FP&A offering for forecasting and scenario modeling.

Enterprise FP&A teams that want cash planning inside a wider connected planning model. View profile →
Alternative
Centime

Fintech platform combining AP, AR, cash forecasting and expense management.

Mid-market finance teams on NetSuite, Sage Intacct, QuickBooks or Business Central. View profile →

How we rankedHow we built this ranking.

We rank Transformance first: it is our product, and it forecasts net cash from live AR and AP data with CashPulse, reaches 90-95% accuracy out to 90 days and produces a first 13-week forecast in 2-4 weeks. We looked at every tool through the same six questions below, using only public information from the vendors' own sites. The alternatives are listed in alphabetical order, and each is a good fit for the teams named under Best for.

Published by Transformance. We make CashPulse, which is included in this ranking. Information about the other vendors is from public sources, accessed October 2026.

  • Forecast method: Whether the tool predicts at invoice level, uses statistical or ML models, or extrapolates trends.
  • Data inputs: Which sources feed the forecast: ERP, bank statements, AR and AP sub-ledgers, spreadsheets.
  • Rolling window: Whether the 13-week window advances and recalculates automatically each week.
  • Scenario analysis: Whether you can run what-if cases, such as faster collections or delayed payments.
  • Fit and scope: The company size, systems and team type the vendor positions the product for.
  • Pricing information: What each vendor publishes and where to find it.
01

Transformance CashPulse

Net cash forecasting from live AR and AP data, part of the Transformance order-to-cash platform.

Best forMid-market and large enterprises with multiple entities, regions and currencies, including FMCG, manufacturing, MedTech and chemicals with FX or commodity exposure.

Interactive demo

Strengths

  • Net cash forecast from live AR and AP data, with best-case, expected and risk-adjusted views.
  • 90-95% forecast accuracy out to 90 days, with 30-, 90- and 365-day horizons.
  • Vero can trigger collection escalation, AI calls or dunning when a week looks tight.

Key facts

  • Focus: Cash forecasting module of the Transformance O2C platform
  • Scale: 20+ countries on one model, 100+ drivers
  • Time to first forecast: First 13-week forecast in 2-4 weeks
  • Rollout: Full rollout in up to 4-8 weeks

CashPulse predicts AR at invoice level from each customer's payment behaviour and projects AP from contracts, payroll, tax schedules and committed purchase orders. Known future inputs such as FX rates, holiday calendars, planned promotions and booking pipelines and commodity futures feed the model directly. Each entity and region gets a forecast tuned to its own data, and the system shows which factors moved each forecast. It connects to SAP S/4HANA and ECC, Oracle, NetSuite and Dynamics.

Because CashPulse shares Customer 360 with cash application, collections and deductions, matched payments, open disputes and promise-to-pay dates flow into the forecast and the forecast can drive action. Vero keeps each customer's payment patterns, broken promises and seasonality in Customer 360, so the forecast learns from every payment cycle.

Pricing

Transformance does not publish list prices; pricing is scoped to volume and modules. Book a call for a quote.

The alternatives and their best fit

Anaplan

Connected planning platform with an FP&A offering for forecasting and scenario modeling.

Best forEnterprise FP&A teams that want cash planning inside a wider connected planning model.

Strengths

  • Time hierarchies let daily, weekly and monthly data sit in one model.
  • Connects income statement, balance sheet and cash flow forecasts.
  • Scenario modeling and three-statement planning.

Key facts

Anaplan is a connected planning platform used for financial planning and analysis. Its cash planning use case links the income statement, balance sheet and cash flow in one model.

Pricing

See the vendor's website.

Centime

Fintech platform combining AP, AR, cash forecasting and expense management.

Best forMid-market finance teams on NetSuite, Sage Intacct, QuickBooks or Business Central.

Strengths

  • 13-week cash outlook built from AP, AR and bank data.
  • Cash Forecasting Workbench for baseline and scenario modeling.
  • Embeds in QuickBooks, Dynamics Business Central, NetSuite and Sage Intacct.

Key facts

  • Headquarters: Boston, Massachusetts, USA
  • Focus: AP, AR and cash forecasting in one platform

Centime brings payables, receivables and bank data together to produce a 13-week cash outlook inside the ERP. The Cash Forecasting Workbench supports baseline and scenario views.

Pricing

See the vendor's website.

Float

Cash flow forecasting software for small and mid-sized businesses.

Best forSmall and mid-sized businesses and accountancy firms on Xero or QuickBooks.

Strengths

  • Live sync with Xero and QuickBooks Online.
  • Direct-method forecast from reconciled bank balances with a rolling 13-week view.
  • Multi-entity consolidation and role-based permissions.

Key facts

  • Headquarters: Edinburgh, UK

Float connects to Xero and QuickBooks Online and builds a rolling forecast from reconciled bank balances. It supports single companies as well as multi-entity groups.

Pricing

See the vendor's website.

Kyriba

Treasury and liquidity platform with Advanced Liquidity Planning.

Best forTreasury teams needing bank connectivity and liquidity planning in one suite.

Strengths

  • Multi-horizon visibility: daily and weekly operations, 13-week rolling forecasts and longer-range planning.
  • Consolidates data from ERPs, bank statements, AR/AP and Excel or CSV files.
  • Forecast-to-actuals variance analysis.

Key facts

  • Headquarters: San Diego, California, USA
  • Focus: Treasury and liquidity management

Kyriba is a treasury platform whose liquidity planning covers short-term operations, 13-week rolling forecasts and longer-range planning. It brings ERP, bank, AR/AP and spreadsheet data into one view and compares forecasts with actuals.

Pricing

See the vendor's website.

Pigment

Integrated business planning platform covering FP&A, supply chain, sales and HR planning.

Best forFinance teams wanting one planning platform across functions, with cash as one use case.

Strengths

  • Connects to ERPs, CRMs, HRIS tools, data lakes and spreadsheets.
  • Covers FP&A, supply chain, sales and HR planning on one platform.
  • Agentic AI features for planning.

Key facts

  • Focus: Integrated business planning

Pigment is a planning platform that spans finance and operational planning. Teams that already plan in Pigment can model cash alongside other drivers.

Pricing

See the vendor's website.

Workday Adaptive Planning

FP&A planning product from Workday with scenario planning and integrated financial modeling.

Best forWorkday customers and FP&A teams modeling cash flow alongside P&L and balance sheet.

Strengths

  • Scenario planning creates multiple scenarios and forecasts cash flow across them.
  • Integrated P&L, balance sheet and cash flow modeling.
  • Actuals are brought into the plan automatically.

Key facts

  • Headquarters: Pleasanton, California, USA (Workday)

Adaptive Planning (Adaptive from Workday) is a planning product used by FP&A teams. It brings actuals into the plan and models cash flow alongside the income statement and balance sheet.

Pricing

See the vendor's website.

Our pick and the alternatives at a glance

Our pick first, then the alternatives in alphabetical order, each with the use case it suits best.

  • Transformance CashPulse: Net cash forecast from live AR and AP data, 90-95% accuracy to 90 days. Best for: Multi-entity enterprises
  • Anaplan: Connected planning with cash inside a wider financial model. Best for: Enterprise FP&A teams
  • Centime: AP, AR and bank data combined into a 13-week cash outlook. Best for: Mid-market teams on NetSuite, Sage Intacct or QuickBooks
  • Float: Forecasting app with live Xero and QuickBooks Online sync. Best for: SMBs and accountancy firms
  • Kyriba: Treasury suite with 13-week rolling forecasts and bank connectivity. Best for: Treasury teams
  • Pigment: Planning platform across finance, supply chain, sales and HR. Best for: Cross-functional planning teams
  • Workday Adaptive Planning: FP&A planning with scenario-based cash forecasts. Best for: Workday customers
How to choose

How to choose a 13-week cash flow forecasting tool

Start from the problem you need to solve, then match the tool category.

  • Messy or late AR data: check whether the forecast can use matched payments, open disputes and promise-to-pay dates.
  • Planning flexibility: a planning platform suits teams that want cash inside a wider driver-based model.
  • Bank connectivity and treasury operations: a treasury suite suits teams that manage many banks and currencies.
  • Small team on Xero or QuickBooks: a forecasting app built for smaller teams connects to your accounting system directly.

For a broader view of the category, see our guide to cash flow forecasting software.

Why 13-week forecasts miss the mark

Forecasting stays hard for most treasury teams: in the 2026 AFP Treasury Benchmarking Survey, 49% of respondents named cash and liquidity forecasting as a top challenge. The difficulty is rarely the math. It is the inputs.

  • Unprocessed AR data: remittances sit in inboxes and deductions are unclassified, so disputed invoices count as expected cash.
  • Manual updates: by the time an analyst refreshes the spreadsheet, the cash position has moved.
  • Category averages: a single AR collections line hides the fact that your largest customers pay on very different schedules.
  • No feedback loop: last week's forecast is rarely reconciled with actuals in a way that improves next week's.

Read more in why most cash flow forecasts are inaccurate.

How AI improves 13-week forecast accuracy

AI-driven forecasting predicts payment timing for each open invoice instead of averaging across categories. Typical signals are:

  • Customer payment history: one customer pays on day 32 on average but slows down in Q4; another pays early when offered a discount.
  • Current AR status: invoices in dispute, promise-to-pay dates from collection calls, and payments just matched from remittances.
  • Seasonal and behavioral patterns: learned from history rather than set as manual rules.

The forecast becomes a living document that updates as cash application and collections data change during the day. See AR cash forecasting methods for the detail.

5 steps to build an accurate 13-week cash flow forecast

  1. Start with a reconciled cash balance. Verify the opening position against bank statements.
  2. Map inflows at the most granular level. Ideally invoice by invoice; at minimum by customer segment.
  3. Categorize disbursements by predictability. Payroll and rent are predictable; vendor payments and taxes vary, so separate them.
  4. Automate the rolling window. Each week the completed week drops off and a new week 13 is added.
  5. Reconcile forecast and actuals weekly. Feed the variance back into the model.

Our step-by-step guide on how to build a 13-week cash flow forecast includes a free template.

13-week forecast versus monthly forecast

A 13-week forecast uses weekly buckets and the direct method, so it shows liquidity swings inside each month. Monthly forecasts often start from net income (the indirect method) and can hide intra-month gaps. That weekly granularity is why the 13-week view is the standard for covenant compliance and short-term liquidity management. Read the full explainer: 13-week cash flow, the short-term forecast.

Multi-entity and ERP considerations

Groups with several legal entities, currencies and ERPs need one forecast that rolls up consistently. Check how each tool handles multi-entity cash flow forecasting, which ERPs it connects to, and whether per-entity behavior is modeled or averaged. Transformance connects to SAP S/4HANA and ECC, Oracle, NetSuite and Dynamics. You can also try the free cash flow forecasting tool to explore your own numbers.

See Transformance, the #1 pick, on your own data

Book a call and we will show CashPulse building a rolling 13-week forecast from your own AR and AP data.

Book a Call

Frequently asked

Questions buyers ask before they choose

What is a 13-week cash flow forecast?

A 13-week cash flow forecast is a rolling weekly projection of cash receipts and disbursements over the next 13 weeks, built with the direct method. It is also called a 13WCF. Finance teams use it to spot liquidity gaps, manage covenants and time capital spending. See the glossary definition.

What is the best 13-week cash flow forecasting tool for enterprises?

For enterprises with multiple entities and currencies, we rank Transformance first: it is our product, and it forecasts net cash with CashPulse from live AR and AP data, with 90-95% accuracy out to 90 days and confidence ranges. Other tools fit other needs: treasury suites for bank connectivity, planning platforms for FP&A-led modeling, and forecasting apps built for smaller teams.

How do you build an accurate 13-week rolling cash forecast?

Start with a reconciled opening cash balance, then project weekly inflows and outflows with the direct method. Break AR collections into customer segments with distinct payment patterns instead of using one DSO average. Automate the rolling window and reconcile forecast against actuals every week.

Why are most cash flow forecasts inaccurate?

The main cause is stale or unprocessed AR data. When remittances sit unmatched and deductions are unclassified, the forecast treats disputed invoices as expected cash. Late payment adds to the problem: Intrum's European Payment Report 2025 calculates that 11% of revenues are paid late to businesses every year.

What is invoice-level cash prediction?

Invoice-level cash prediction forecasts when each open invoice will be paid, instead of estimating total collections as a category average. It uses customer payment history, dispute status, collection activity and seasonal patterns to assign an expected date to every open item.

How does a 13-week forecast differ from a monthly forecast?

A 13-week forecast uses weekly buckets and actual cash receipts and disbursements, while monthly forecasts often start from net income and adjust. The weekly view shows intra-month liquidity swings, which is why it is the standard for covenant compliance and short-term liquidity management.

How long does it take to get a first 13-week forecast with Transformance?

Customers get a first 13-week forecast from CashPulse in 2-4 weeks. Full rollout takes up to 4-8 weeks, and a proof of value runs in 4-5 weeks on one entity. Timelines depend on the number of entities and data sources.

Which tool suits a small business on Xero or QuickBooks?

Centime lists integrations with QuickBooks, Sage Intacct, NetSuite and Dynamics Business Central for mid-market teams. Float lists live sync with Xero and QuickBooks Online and a rolling 13-week view.

Published by Transformance. We make CashPulse, which is included in this ranking.

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