FP&A software is no longer just a budget template. Buyers now compare how actuals land in the model, whether scenarios stay three-way balanced, who can edit drivers, and whether AI writes a useful variance note or a confident hallucination.
This guide compares five planning platforms using official pages and clearly labeled public pricing signals checked on September 18, 2026. Several vendors do not publish a rate card. Where we cite third-party ranges, they are context only.
AI FP&A software compared at a glance
| Platform | Pricing | Best For | Link |
|---|---|---|---|
| Cube | Trial / paid workspace* | Spreadsheet-native planning | Visit β |
| Jirav | From ~$10k/yr business; firm from $50/mo* | Mid-market 3-way plans | Visit β |
| Mosaic | Custom* | Growth-company finance suite | Visit β |
| Pigment | Custom enterprise* | Multi-function planning | Visit β |
| Datarails | Custom* | Excel consolidation | Visit β |
*Checked September 18, 2026. Jirav publishes more than one price book. Mosaic, Pigment and Datarails are sales-quoted. Confirm a written quote.
The best AI FP&A platforms in 2026, compared
1. Cube
Best spreadsheet-native FP&A
Best for: Finance teams that refuse to abandon Excel or Google Sheets and want a controlled planning layer on top.
| Entry price | Public list pricing is limited; Cube markets a free/trial path and paid workspace plans β confirm current checkout* |
| Free plan / trial | Vendor advertises a low-friction start; production seats are paid |
| AI layer | Formula assistance, mapping and variance explanation inside a spreadsheet workflow |
| Source systems | QuickBooks, Xero, NetSuite and warehouse connectors, depending on plan |
| Main tradeoff | You keep spreadsheet flexibility β and some of spreadsheet risk β unless controls are enforced |
- Best first FP&A tool when the operating model is still a well-structured workbook.
- Implementation is usually shorter than a full EPM rebuild.
- Ask how audit trail and permissioning work before treating it as the system of record.
2. Jirav
Best mid-market three-statement model
Best for: Accounting firms and mid-market teams that need connected P&L, balance sheet and cash-flow plans without an enterprise EPM project.
| Entry price | Business plans advertised from about $10,000/year (Starter) and $15,000/year (Pro); firm wholesale pages list Controller Essentials from $50/mo* |
| Free plan / trial | Demo-led; no meaningful free production plan |
| AI layer | Auto-generated budgets and AI-assisted forecasts on current packages |
| Source systems | Accounting, payroll/workforce, Sheets and Excel |
| Main tradeoff | Two price books (business vs firm) make published numbers easy to misread |
- Strong when a CPA firm packages planning as a client service.
- Three-way financials matter more here than pretty dashboards.
- Confirm whether you are buying the business SKU or the wholesale firm SKU.
3. Mosaic
Best modern mid-market finance suite
Best for: Growth-stage companies that want planning, metrics and headcount in one purpose-built workspace rather than a spreadsheet or a 1990s EPM.
| Entry price | Custom; buyer reports often land in the thousands of dollars per company per month β not a self-serve list price* |
| Free plan / trial | Sales-led pilots |
| AI layer | Automated reporting, anomaly and driver commentary on top of connected actuals |
| Source systems | ERP, HRIS, billing and warehouse connectors aimed at growth finance teams |
| Main tradeoff | Price and implementation assume a dedicated finance owner, not a founder-only workbook |
- Fits a Series Bβstyle team that has outgrown Sheets but is not ready for Anaplan.
- Expect a scoped implementation, not a credit-card signup.
- Ask for named connectors and model ownership before signing.
4. Pigment
Best flexible enterprise planning platform
Best for: Larger planning teams that need multi-model collaboration (finance, workforce, sales) with governance.
| Entry price | Custom enterprise; third-party compilations often quote mid-five to low-six figures per year β treat as directional only* |
| Free plan / trial | Sales-led |
| AI layer | Assisted modeling, commentary and scenario generation inside governed models |
| Source systems | Enterprise ERP/HRIS plus planning contributors across functions |
| Main tradeoff | Capability and cost both sit above mid-market FP&A tools |
- Choose Pigment when several departments must plan in the same model.
- Budget for implementation partners, not just licenses.
- Do not use vendor-blog ARR figures as your quote.
5. Datarails
Best Excel-first consolidation
Best for: Teams that will not leave Excel and need automated collection, consolidation and some AI on top of existing workbooks.
| Entry price | Custom / sales-quoted* |
| Free plan / trial | Demo-led |
| AI layer | Narrative and mapping assistance around existing Excel models |
| Source systems | Excel as the UX; ERPs and files underneath |
| Main tradeoff | You keep Excel β including version-control discipline as a requirement |
- The least disruptive path for an Excel-native controller team.
- Works only if workbook standards already exist.
- Compare against Cube on spreadsheet philosophy before a bake-off.
Kurums Match: choose by workflow
Start with the job you need to complete, then expand the closest match.
Our model still lives in Excel and that will not change
Start with Cube or Datarails. Pick Cube for a cleaner multiplayer sheet layer; pick Datarails if consolidation of existing workbooks is the pain.
We sell planning as a firm service
Start with Jiravβs firm / wholesale packaging. Confirm per-client economics against the $50β$150/mo published firm rungs.
We are a growth-stage company with a finance lead
Start with Mosaic. It is built as a company workspace, not an Excel add-in. Budget implementation time.
Workforce, sales and finance must share one model
Start with Pigment. Capability and governance match multi-function planning; so does the commercial process.
What to compare before you buy
Demand a live connection from your actuals, a three-statement sample, named user permissions and an example of AI commentary on last monthβs variance. If the vendor cannot show those four things on your data shape, keep looking.
Our verdict
Stay spreadsheet-native until the workbook is the bottleneck. Jump to Jirav or Mosaic when connected actuals and scenarios are the bottleneck. Reserve Pigment for multi-function planning with a real owner.
How we evaluated these tools
Kurums reviewed official product and pricing pages available on September 18, 2026, and labeled any non-vendor price context. We compared packaging, planning depth, spreadsheet stance, AI claims and commercial model.
This comparison is independent and informational. Product placement is not an award, score or endorsement.
Frequently Asked Questions
What is the best AI FP&A software in 2026?
It depends on whether you will leave Excel. Cube and Datarails fit spreadsheet teams; Jirav and Mosaic fit mid-market connected planning; Pigment fits multi-function enterprise planning.
How much does FP&A software cost?
Jirav is one of the few with public rungs (about $10kβ$15k per year on the business page, plus a cheaper firm book). Mosaic, Pigment and Datarails are quote-based. Implementation is often the larger check.
Can AI build my annual plan?
It can draft drivers and narratives. It cannot own assumptions, board targets or forecast integrity. Keep a human on the model.
Is Anaplan or Workday Adaptive Planning in this list?
Those remain relevant enterprise EPM suites. This page focuses on the 2026 mid-market and spreadsheet-native set most finance teams actually shortlist first.
β See all AI tools & comparisons
Last Updated: September 18, 2026 Β· Reviewed by the Kurums Finance editorial team.
Disclosure: This comparison is independent and informational. Some outbound links may be affiliate links. Affiliate eligibility does not determine product order, labels or conclusions. Verify pricing, availability, data-processing terms and regulatory fit directly with each provider. This page is not investment, tax or accounting advice.
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