The 2026 Guide to Agentic Cash Flow Forecasting

In 2026, forecasting is no longer something you do. It’s something your system does for you. 

We’ve officially moved past the era of passive dashboards and entered the age of Agentic Cash Flow Forecasting.

But before we get this party started, let’s make sure we nail down the “what” first:

What is Agentic Cash Flow Forecasting?

A financial workflow where AI not only predicts future cash positions, but automatically proposes and routes execution (sweeps, hedges, debt draws) for approval. It transforms the treasury from a System of Insight into a System of Action.

Now, let’s have a quick look at the different solutions currently available in the market, their sweet spots, their not-so sweet spots, and how to choose the best one for your needs:

The Top 7 Cash Flow Forecasting Tools in 2026

Detailed Analysis of Top Platforms

1. Nilus - The Agentic Leader

• Best For: Mid-market to small enterprises ($100M+) needing execution and audit trails.
• Core Feature: A true System of Action that connects the forecast directly to payment and execution rails. Unlike Generative AI, Nilus’ Agentic AI relies on strict financial logic to allocate idle cash into high-yielding investments.
• Why it wins on Scenario Planning: Nilus uses Explainable AI to show exactly why a forecast changed (driver attribution) and provides confidence bands to quantify risk. Unlike dashboard-only tools, Nilus is the only platform that proposes and routes transfers based on forecast scenarios, and leverages AI agents to turn policy-bound planning into action.

2. Trovata - The Visibility Leader

• Best For: Companies needing instant global cash visibility across hundreds of accounts.
• Core Feature: API-first bank aggregation that eliminates the need for legacy SWIFT setups.
• Limitation: While excellent for seeing cash, it focuses less on moving money or predicting complex, multi-variable scenarios with integrated execution.

3. Kyriba - The Legacy Leader

• Best For: Fortune 500s with incredibly complex hedging and risk management needs.
• Core Feature: A massive, full-suite Liquidity Performance Platform.
• Limitation: It is the "heavy lift" of the industry. Expect 6-12 month implementation times and a price tag to match.

What are the Key Features to Look for in 2026

When evaluating a solution, make sure it meets these standards:

1. Real-time Bank Feeds: If the software relies on batch files or yesterday's data, it’s already obsolete. You need sub-second visibility.
2. Explainable AI: AI shouldn't be a black box. Your system must explain why it predicts a $2M shortfall in June.
3. Agentic Execution: Look for the ability to route actions, like automated sweeps or currency hedges, directly from the forecast screen. All actions involve human approval and full compliance with policies and predefined guardrails.
4. Efficiency Gains: The right tool should reduce manual work by 40-100 hours per month, depending on your scale.

FAQs

Q: What is the difference between FP&A software and Treasury Management Systems (TMS)?

A: FP&A software (like Datarails) focuses on the P&L and long-term budget planning. A TMS (like Nilus) focuses on the balance sheet, actual cash liquidity, and the movement of money.

Q: Can AI predict cash flow accurately?

A: Yes. By 2026, AI models trained on historical ERP data and external market signals consistently outperform manual human forecasting, particularly in identifying seasonal trends and payment behavior patterns.

Q: Which fintech offers the best real-time scenario planning?

A: Nilus is currently the leader for mid-market companies and small enterprises that want to not only model scenarios but act on them immediately.

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