Introduction
AI is no longer a “nice-to-have” experiment in finance. It’s fast becoming a core part of everyday operations. A recent KPMG study shows that nearly two-thirds of companies are already piloting or using AI for accounting and financial planning. For CFOs and FP&A teams, this signals a clear shift: Financial modeling is evolving from manual spreadsheet-heavy work to AI-driven workflows that are faster, smarter, and more reliable.
Instead of wrestling with static spreadsheets, finance leaders are now turning to AI-powered modeling tools that automatically generate forecasts, adapt to change in real time, and even explain results in plain English. The result? Less time stuck troubleshooting formulas and more time shaping strategy.
In this guide, we’ll explore the top 11 AI financial modeling tools of 2025, breaking down how each platform is helping finance teams forecast with confidence, streamline collaboration, and reduce manual work.
Best AI tools for financial modeling in 2025 at a glance
Drivetrain is a finance-focused, AI-native platform that helps B2B teams shift from static spreadsheets to agile, connected financial modeling.
Pigment combines AI-powered tools with collaborative workflows for dynamic financial modeling.
Anaplan equips enterprises with AI and machine learning to power complex, connected financial modeling across the organization.
Mosaic leverages AI to enable real-time, strategic financial modeling and variance analysis for finance teams.
Planful accelerates financial modeling within FP&A by integrating AI for more efficient model creation.
Cube merges spreadsheet flexibility with AI-assisted financial modeling to produce adaptable and accessible financial insights.
Adaptive (Workday Adaptive Planning) uses AI to enhance cloud-based financial modeling, deliver predictive analytics, and enable robust scenario building.
Datarails amplifies Excel-native FP&A with AI-driven, automated financial modeling and anomaly detection.
Vena combines process automation with AI-powered financial modeling to streamline planning and reporting workflows.
Jedox scales enterprise performance management by embedding AI into comprehensive financial modeling and planning solutions.
Prophix employs AI to automate and improve the accuracy of financial modeling and minimize manual work.
| Tool | Best for | Key AI capabilities |
|---|---|---|
| Drivetrain | Mid-market to enterprise businesses | • AI Analyst (conversational interface to surface insights) • AI model generator for automated financial model creation • AI Anomaly detection across revenue, spend, and headcount • AI Transforms (natural-language data transformation) • AI BvA (write board-level commentary explaining key variances) |
| Anaplan | Enterprise businesses | • PlanIQ (ML forecasting engine) • CoPlanner (conversational AI assistant) • Predictive Insights • Optimizer for scenario optimization |
| Pigment | Enterprise businesses | • Planner Agent (next-step recommendations) • Modeler Agent (formula writing, model optimization) • Analyst Agent (trend detection, narrated insights) |
| Mosaic | SMB to Mid-market businesses | • Automated Insights with NLP prompts • Automated BvA analysis |
| Planful | Mid-market businesses | • Planful Projections Forecasting Engine (ensemble modeling) • Planful Signals for anomaly detection • Conversational AI interface for natural-language insights |
| Cube | SMB to Mid-market businesses | • Conversational agents to answer questions • Automated analysis to spot key variances • Smart forecasting • Intelligent mapping of data |
| Workday Adaptive Planning | Enterprise businesses | • AI forecasting and scenario modeling • AI-driven planning assistant (conversational interface) • Anomaly detection for revenue and expenses |
| Datarails | SMB to Mid-market businesses (spreadsheet-native) | • Chat (conversational assistant) • Insights (automated reports) • Storyboards (narrative presentations) |
| Vena | Mid-market businesses (spreadsheet-native) | • Conversational AI assistant for Excel and Teams • Automated report generation from simple prompts • Built-in financial analysis to flag trends and anomalies • Learns from user input to improve personalization |
| Jedox | Mid-market to enterprise businesses | • NLP to explore complex datasets and answer questions about the product • Prebuilt templates for various planning scenarios |
| Prophix | Mid-market businesses | • Automatically generate summaries of visual data representations • Leverage historical data and AI algorithms to project future financial outcomes • NLP based conversational AI assistant |
Drivetrain
Drivetrain tops our list as one of the best AI-native financial modeling platforms built for modern finance teams. Having an AI-native architecture means core workflows, including financial modeling, are able to leverage AI in a way that makes them feel more intuitive and natural for users than AI capabilities added onto an existing platform.
With Drivetrain, finance teams also don’t have to depend on static spreadsheets or external add-ons. They get a solid platform that's designed to handle complexity from the ground up.
Drive AI, Drivetrain’s intelligent suite, includes AI Transforms, AI Analyst, AI-powered Model Generation, AI BvA, and AI Alerts, capabilities designed to cut down manual effort and give CFOs and FP&A teams greater confidence in their numbers. Together, these features make financial planning a faster, smarter, smoother, and more transparent process.
AI Transforms: One of the most challenging parts of financial modeling is consolidating data from different systems. With Drive AI, that step is automated. It instantly converts inputs from ERP, CRM, or HR systems into usable model parameters.
AI Model Generator: Building a first-cut financial model often takes weeks. Drivetrain’s AI Model Generator does it in one click. It pulls in data from your ERP, CRM, HRIS, or billing systems, applies logic, and produces a flexible baseline forecast you can refine.
AI Analyst: Instead of digging through spreadsheets to explain variances, you can ask Drivetrain questions in plain English. For example, you can ask questions like “What’s driving the change in EBITDA this quarter?” and get clear, data-backed answers. The AI Analyst quickly surfaces insights on forecast vs. actuals, sensitivities, and adjustments, making variance analysis faster and far more accessible to your team.
AI Alerts: Finance leaders don’t have time to monitor every number. Drivetrain proactively flags anomalies and variances in real time so finance leaders can course-correct before they snowball into bigger issues.
AI BvA: Drivetrain automatically explains the “why” behind budget variances across P&L, balance sheet, and cash flow. Leaders can drill down to transaction-level detail to discover the root drivers, like unexpected churn or cost overruns, and even investigate changes in key SaaS metrics.
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Anaplan brings AI-powered intelligence for enterprises that need collaborative, complex financial models. It addresses common financial modeling challenges like collaborative model creation, optimization, variance analysis, and financial forecasting. With tools such as CoPlanner, Optimizer, Predictive Insights, and PlanIQ, finance teams can build stronger models and respond to changing conditions more effectively.
CoPlanner: Instead of chasing model details across spreadsheets, CoPlanner lets you query models in plain English. It surfaces sensitivity parameters, tracks performance, and highlights optimization opportunities so your team can collaborate better and respond quickly during review cycles.
Optimizer: Managing trade-offs is easier with Optimizer. You can set goals like maximizing NPV or reallocating capital. Anaplan recommends the best parameter distribution, balancing constraints with outcomes to support smarter, faster financial decision-making.
Predictive insights and PlanIQ: By analyzing historical financial patterns and business drivers, these features generate nuanced predictions that go beyond simple trend projections. Anaplan helps finance leaders get more realistic, data-driven forecasts with these AI features.
Built for enterprise finance teams, Pigment AI enhances financial modeling workflows with NLP and a conversational interface. Its smart visualization system even recommends the best way to present your data, whether that’s a waterfall chart for variance analysis or a tornado diagram for stress-testing scenarios.
Planner agent: Pigment’s Planner Agent recommends actions based on your goals and market context. It can update forecasts, stress-test scenarios, and keep planning cycles moving forward without bogging down your team.
Modeler agent: This agent keeps your models clean and efficient by writing formulas, flagging errors, and optimizing workflows automatically. Instead of firefighting spreadsheet issues, your team can spend time refining assumptions and exploring scenarios.
Analyst agent: Pigment’s Analyst Agent makes it easier to explore sensitivities and drivers. This is one of those generative AI use cases in FP&A, where AI doesn’t just run calculations but narrates insights in plain English. It suggests prompts like “analyze sensitivity to cost of capital” or “identify optimal debt structure,” then lets you dive deeper with follow-up queries. Insights flow directly into your forecasts and models, making analysis faster and more actionable.
Mosaic makes financial modeling conversational. Its AI assistant, Arc, allows you to interact with models using natural language. So instead of digging through spreadsheets, you can simply ask questions like “Why did ARR spike?” and get clear, chart-backed answers in no time.
Automated insights: You can ask Arc plain-English questions like “What’s driving cloud costs higher this month?” and get instant, visual insights. It turns complex model exploration into quick conversations, saving your team valuable time.
Automated BvA Analysis: Variance analysis is often one of the most time-consuming FP&A tasks. Mosaic automates this by comparing planned vs. actuals, pinpointing underlying drivers, and generating explanatory narratives, helping you reconcile differences in minutes, not hours.
Planful is designed for mid-market finance teams that need forecasting accuracy without overwhelming complexity. Its AI features help FP&A teams build flexible models faster, reduce errors, and improve scenario planning, to make adapting to changing business realities easier.
Projections: Instead of starting from scratch, Planful auto-generates baseline forecasts using historical patterns and trends. This gives your team a head start, while also providing AI-driven recommendations for assumption changes to speed up scenario planning.
Signals: Signals continuously scans model results, flags unusual shifts or outliers, and explains what’s driving them. That way, your team can adjust assumptions before errors compound.
Help assistant: With Planful, you can simply ask questions like “What happens if churn increases by 2%?” and get instant model updates, charts, and narratives. This conversational assistant makes complex scenario testing much faster and more intuitive.
Workday Adaptive Planning embeds AI through its Illuminate™ engine, giving FP&A teams faster, smarter ways to model. From predictive forecasting to anomaly detection, it helps finance leaders catch risks early, test scenarios with confidence, and reduce the manual work of planning.
Intelligent planning: Instead of relying on static spreadsheets, Illuminate™ pulls from historical and external data to generate intelligent forecasts automatically. This helps your team set more accurate assumptions and spend less time building models from scratch.
Assistant: With a conversational interface, you can ask questions like “What's the forecasted headcount next quarter?” or “How does a tariff hike affect margins?” and get instant answers with charts, recommendations, and context.
Anomaly detection: Illuminate™ uses machine learning to flag data inconsistencies or unusual variances in forecasts, so your team can maintain data integrity and adjust assumptions.
Cube brings AI into financial modeling by embedding intelligent agents that reduce manual work and make models easier to manage. With conversational queries, automated variance analysis, smart forecasting, and plain-English mapping, it helps FP&A teams work faster, with more accuracy and less complexity.
Conversational Agent: You can ask questions like “Why did revenue dip in Q4?” directly in Slack, Teams, or Cube’s interface. It delivers instant answers, charts, and narratives to simplify model exploration.
Analysis agent: Cube automatically identifies variances between actuals and plans, then explains the drivers behind them—whether that’s a regional sales dip or slower hiring. This makes variance analysis quicker and helps finance teams keep forecasts accurate.
Forecasting agent: Cube analyzes historical data to generate a baseline forecast you can refine instantly. Your team can adjust assumptions, test scenarios, and see impacts in real time, speeding up the forecast cycle.
Mapping agent: Cube converts plain-English rules like “Group all EMEA sales under International Revenue” into structured logic, standardizing your models and reducing formula-related mistakes.
Genius by Datarails brings AI directly into financial modeling, turning complex models into conversations, insights, and stories. With automated analyses, narrative presentations, and chat-based exploration, FP&A teams can refine assumptions faster, track forecast shifts instantly, and share outcomes more clearly across the business.
Insights: Genius automatically generates summaries, analyses, and visualizations based on your preferences. You choose the format, timing, and audience, so decision-makers always receive the right information at the right time.
Storyboards: Building presentations no longer has to be a manual task. Storyboards automatically turn financial outputs into narrative slides with charts and commentary, whether it’s for a board pack or explaining forecast changes to business partners.
Chats: A built-in chat interface lets you ask questions like “What drove changes in our revenue forecast?” and instantly get chart-backed answers. This makes testing model assumptions far more intuitive and efficient.
Vena
Vena Copilot brings AI directly into Excel. With natural language queries, automated variance analysis, and AI-driven scenario testing, Copilot helps FP&A teams refine assumptions faster, explore outcomes more easily, and maintain collaborative, driver-based models with confidence.
Modeling agent: Embedded in Excel, the Modeling agent helps you build driver-based plans and projections more quickly. You can adjust assumptions through chat and see the model update instantly, enabling faster, more accurate scenario testing.
Analytics agent: This agent automatically uncovers trends and drivers in your models. It runs variance analysis and scenario simulations in real time, giving finance teams actionable insights they can use to refine forecasts and stress-test assumptions.
Reporting agent: Instead of building reports from scratch, you can ask questions like “Show modeled revenue for FY26” and immediately get a formatted Excel report. It’s an easy way to turn complex model outputs into clear, shareable insights.
Jedox
JedoxAI accelerates financial modeling by automating forecasts, uncovering drivers, and simplifying model interaction. With predictive forecasting, natural language queries, and intelligent pattern detection, FP&A teams can move from manual model maintenance to faster, insight-driven scenario planning with more accuracy and less effort.
AIssisted™ Planning Wizards: The AI-powered Planning Wizard from JedoxAI guides setup for common use cases like revenue forecasting, demand planning, or workforce budgeting. It auto-generates model structures and baselines, helping your team move straight into refining assumptions.
JedoxAI: Natural language processing is built into Jedox workflows, allowing you to ask questions like “Show me revenue by region” or “Add headcount growth to the forecast.” This makes navigating and adjusting models faster and more intuitive.
AI search: When you need to adjust a model, JedoxAI acts as a contextual guide. Ask “How do I add a new cost center?” and get step-by-step instructions instantly. This reduces reliance on IT and helps your team adapt models quickly.
Prophix
Prophix One Intelligence is an AI-powered solution that transforms financial modeling by making it faster, more adaptive, and easier to align with business realities. Finance teams can use Prophix to forecast, generate scenarios, and uncover key drivers in real time.
Prophix Copilot: Instead of manually setting up models, finance teams can use plain-English commands like “Build me a cash flow scenario with a 5% revenue drop.” Prophix instantly creates structured models, making scenario planning faster and more accessible.
Predictive forecasting: Prophix applies machine learning to historical data to generate baseline forecasts. Finance teams can then compare best-, base-, and worst-case scenarios, stress-test assumptions, and adjust drivers quickly to keep forecasts aligned with market conditions.
Chart Insights: This feature translates variances and trends into plain-language commentary—for example, pointing out that a margin dip is tied to rising costs in a specific region—helping finance leaders act on data faster.
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Features to look for in an AI modeling tool
Every platform today claims to have “AI features,” but not all of them make a real impact on your workflows. The right tool should reduce manual work, keep models up to date automatically, and help your finance team collaborate and make better decisions. In this section, we cover the key features worth paying attention to.
Native Integrations
When you’re choosing an AI FP&A tool, you need to make sure it integrates directly with the systems you already use. No CFO (or finance pro for that matter) likes being stuck exporting and reconciling data from ERP, CRM, HRIS, and billing systems. A good AI tool integrates with these systems directly. It syncs actuals in real time. This way, your models always reflect current business conditions, and your team spends less time on data prep.
AI-assisted model creation
Building models from scratch takes weeks of manual work. With AI-assisted model creation, baseline forecasts, formulas, and assumptions are generated automatically from historical data. This gives you a solid starting point, freeing up time to refine scenarios instead of creating models line by line.
Conversational assistants and plain-English queries
Your finance team shouldn’t need advanced formulas to ask basic questions. Conversational assistants let you type or say queries like “Why did gross margin drop?” and get instant explanations of variances. This makes financial models more accessible across teams, not just to Excel power users.
Collaborative, cloud-native modeling environment
Financial planning gets messy when everyone is stuck in their own version of a spreadsheet. A cloud-native tool gives your organization a single source of truth with secure, role-based access. Department leaders can update forecasts, view dashboards, and share inputs directly, while finance retains control and accuracy across the board.
Natural language prompting for modeling tasks
As you compare AI financial planning and analysis tools, focus on whether they actually reduce complexity. Writing and troubleshooting formulas is error-prone and time-consuming. One wrong reference or broken formula can throw off an entire forecast.
AI FP&A tools that allow you to create or adjust models in plain English speed up iterations at a fraction of the usual time. Instead of writing formulas, you can say “Add churn at 5%” and see the model update instantly. This makes planning cycles faster, reduces complexity, and makes advanced modeling more intuitive.
Enterprise-grade Security
When evaluating financial planning platforms, security should always be a top priority. Your financial models contain some of the most sensitive data in the business, including salaries, margins, forecasts, and spending plans. The right tool should come with encryption, audit trails, and strict access controls, backed by certifications like SOC 2 and GDPR. With solid safeguards in place, your team can work together confidently, knowing the data is both protected and compliant.
Explainable AI
CFOs don’t trust “black box” outputs and certainly don’t want to present them to the board. Explainable AI makes predictions and variances transparent by showing specifically which drivers influenced results and the information used to reach those conclusions. This builds trust in the system and ensures finance leaders can validate assumptions before making important decisions.
Drivetrain vs. the field
AI in finance is moving beyond automation and into strategy alignment. Most FP&A platforms have added AI features as an afterthought. Drivetrain has taken a different approach to AI. As an AI-native solution, every feature is designed with intelligence built in. For mid-market and enterprise companies, this means faster modeling, smarter insights, and fewer manual workarounds compared to bolt-on solutions that only scratch the surface.
Offers 800+ integrations
Finance leaders know models are only as good as the data behind them. Drivetrain integrates with 800+ systems, including ERP, CRM, HR, billing systems, and more, pulling actuals straight into your models without endless exports. Even custom fields are automatically mapped into one consistent structure. Instead of reconciling spreadsheets before every review, you’re working from one reliable source of truth.
Supports several advanced AI capabilities
Drivetrain’s Drive AI supports finance teams throughout the modeling process. It spots anomalies before they snowball into bigger issues. The platform also lets you reshape data using plain-English prompts instead of complex formulas. It builds baseline models in seconds from historical patterns. And when reporting time comes around, it automatically writes variance commentary and surfaces insights, turning what used to take hours into a quick, confident process.
Faster time to value
Most enterprise tools demand months of setup before you see any impact. Drivetrain’s AI-first design makes onboarding quick, so finance teams can start using it in weeks—not months. Drivetrain customers say they hit ROI in just six months, often within the same planning cycle. Pair that with its intuitive design, and it’s no surprise Drivetrain scores top marks on G2 for usability, implementation, and customer satisfaction.
Built to boost cross-functional collaboration
Drivetrain makes it easier for finance and business teams to work together without losing control of sensitive data. Each user gets a view tailored to their role, while access controls ensure financial ownership stays with FP&A. Department leaders can update forecasts, check dashboards, and run reports on their own, supported by built-in workflows and notes that keep everything transparent. With Drive AI, a conversational assistant is always available to answer questions, helping teams move faster while staying aligned.
Rest assured with a high level of security and transparency
Drivetrain is built with security and accountability at its core. It meets the highest industry standards like SOC 1 Type II, SOC 2 Type II, ISO, and GDPR, so sensitive financial data stays protected. Features like data masking and dimensional-level access controls make sure that teams only see what’s relevant to them. Every AI-generated response also comes with source attribution and transparent logic, so you can check the calculations behind the insights. This combination of enterprise-grade security and explainable AI gives finance teams confidence that their data and decisions are always reliable.
FAQs
AI modeling tools in 2025 are a big step up from the first wave of automation. The best ones can:
- Build baseline models automatically from system data
- Let you ask questions or make changes in plain English
- Run what-if scenarios and sensitivity tests instantly
- Use predictive analytics to sharpen forecasts
- Flag anomalies before they distort results
- Explain exactly how they arrived at an output
For enterprise organizations with complex data needs, the most suited tools are:
- Drivetrain: AI-native platform with strong forecasting, variance analysis, and explainable AI
- Pigment: Enterprise planning with AI agents for formulas, scenarios, and visualization
- Anaplan: Connected planning solution with ML forecasting and optimization
- Workday Adaptive Planning: Enterprise-grade forecasts, anomaly detection, and conversational AI
- Jedox: AI-assisted planning with NLP queries and prebuilt scenario templates
AI in FP&A improves financial modeling by reducing manual work and making models smarter, faster, and more dynamic. It generates baseline forecasts automatically, flags anomalies before they distort assumptions, and enables instant scenario analysis. AI also translates results into plain-language insights and keeps models updated in real time, turning static spreadsheets into rolling forecasts that adapt with the business.
Automation is table stakes when it comes to implementing AI, and that starts with the ability to integrate with ERP, CRM, HRIS, and other systems that house the data needed for financial modeling. Integrations keep AI modeling tools connected to real-time data, which eliminates manual exports, reduces errors, and provides finance teams a single, reliable view of performance. By consolidating information across platforms, integrations improve forecast accuracy, streamline workflows, and make adoption easier, because models pull directly from systems teams already use.
Drivetrain’s Drive AI suite covers the full modeling cycle. It can:
- Transform raw data into clean, model-ready inputs with AI Transforms
- Build baseline models instantly with AI Model Generator
- Answer questions and surface insights through a conversational AI Analyst
- Flag issues as they happen with AI Alerts
- Automatically generate variance commentary with AI BvA
Related AI Modeling tool guides
We have even more information on AI modeling-related software and tools. Check them out.
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