Overview of 10 cash flow software in 2025

• re:cap
• Microsoft Excel 
• Tidely
• Commitly
• Atlar
• Finban
• Trovata
• Helu
• Embat
• Nomentia

Looking for a quick comparison of cash flow software providers, including their pricing and features? Our spreadsheet has you covered. It’s designed to help you make informed decisions and easily share it with your team and management. You'll find a side-by-side comparison of the top cash flow software options on the market. If you spot any mistakes, feel free to reach out to us.

What you should consider when choosing cash flow software

An effective cash flow software should offer more than just impressive features. It should provide real, tangible benefits that go beyond simple data collection and visualization. To ensure you choose the right tool for your needs, ask yourself these key questions before making your decision.

For what purpose do I need the cash flow software?

Cash flow software varies significantly in its features and target users. Some solutions are built for large, established companies with intricate financial structures, while others are designed specifically for startups, where cash management may be managed directly by founders. To choose the best software for your needs, consider your intended use. Assess whether the software’s features align with your requirements, or if you need a solution with a more comprehensive or specialized focus.

How complex are onboarding and maintenance?

Cash flow software that requires weeks or even months to onboard and demands extensive maintenance isn't what you need. Instead, you should expect a solution that connects data sources in minutes and operates seamlessly. Look for a data integration system that is quick, accurate, and fully automated, allowing you to focus on what matters.

Do I need all the features that the cash flow software offers?

Generally, software with more features comes with a higher price tag. A free trial helps you determine if you truly need all the offered functionalities or if the solution might be more complex than necessary for your needs. Ideally, you want to avoid spending thousands of euros on software when you’re only using a small portion of its features.

How is data quality ensured?

The effectiveness of cash flow software hinges on the accuracy of its data. For a solution to truly excel, it must not only classify transactions correctly but also manage data cleansing, validation, and enrichment effortlessly. Without these critical capabilities, even the best software can fall short.

Let's start and take a look at the options available.

Cash flow software comparison: providers to consider

re:cap

re:cap is a cash flow software tool that helps you plan, manage, and optimize your cash flow. It’s designed for startups, scaleups, and small to medium-sized businesses, providing solutions tailored to their financial needs.

The software delivers a real-time overview of your cash position by consolidating all your bank accounts and balances into a single, easy-to-navigate dashboard. Incoming and outgoing payments are automatically categorized with 98% accuracy, ensuring high-quality data. You can access essential financial metrics for your management, team, and investor reports. Plus, you can plan your liquidity and budgets as well as stress test your business with forecasting.

re:cap pricing

With re:cap, you can choose between different products. You don't have to pay for the entire platform. re:cap offers Liquidity Analysis, Accounting Automation, and Debt Funding. Access to the platform and your key financial metrics is always for free. With the free trial, you can test re:cap for 14 days before making a decision. You can find all the information on the pricing page.

• Liquidity Analysis: starting at €39 per month
• Accounting Automation: Beta phase
• Debt Funding: Individual prices

re:cap is unique among cash flow software tools because it allows you to invite an unlimited number of users and link an unlimited number of bank accounts, regardless of the plan you select.

Key features

Liquidity Management

re:cap's cash flow management covers the following areas:

• Cash flow statement: automatically categorizes transactions to ensure precise allocation of both incoming and outgoing payments and gives you an overview of your cash position.
• Profitability and financial health: delivers real-time insights into your profitability, keeping you updated on your financial performance – all based on your accounting data.
• Runway analysis: tracks cash burn and runway to provide a clear view of your financial health and sustainability.
• Cash consolidation: facilitates cash flow analysis across multiple levels, companies, and countries for a financial overview.
• Plan vs. Actuals comparisons: measures your business plan figures against actual performance to assess alignment and adjust strategies.
• Bank connections: integrates seamlessly with over 14,000 bank accounts for comprehensive financial management.

Liquidity Forecast

Liquidity planning is vital for your financial strategy. It integrates historical and real-time data to build accurate forecasts.

Stress testing your business allows you to evaluate the impact of major decisions, such as hiring or significant expenditures. This process reveals how key metrics perform under pressure, enabling you to refine your financial strategy.

Additionally, simulating the effects of debt or equity investments on cash flow and liquidity offers critical insights into their overall impact on your financial health.

Reporting

View key financial figures in one dashboard and extract them for your reports:

• Comprehensive insights: build reports from a complete view of liquidity, customers, profitability, and financial health by integrating banking, revenue, and accounting data.
• Single source of truth: address management inquiries with accurate, up-to-date financial information.
• Efficient reporting: focus on what matters to investors by extracting essential metrics and minimizing time spent on manual reporting.
• Enhanced financial accuracy: monitor revenue, costs, cash flow, and balances to ensure your projections align with reality.

What do companies use re:cap for?

When we ask our customers, they use re:cap primarily for the following:

• Gain instant, transparent insights into accounts and cash balance. Consolidate all cash flow data in one easily accessible platform.
• Track essential financial metrics – whether company-wide or by specific entities – keeping management and investors updated on figures like burn rate, revenue growth, and cash reserves at any moment.
• Uncover potential savings and cut costs by identifying opportunities for improvement. Stay aligned with their budget and take proactive measures when discrepancies arise.
• Define budget planning and boost accuracy with the Plan vs. Actuals feature.
• Enhance their liquidity planning by forecasting various scenarios, allowing them to model and anticipate future developments.
• Conduct liquidity stress tests to assess their impact on different areas of your business, ensuring they are prepared for any financial challenge.

Summary re:cap

re:cap is the cash flow software designed for thorough liquidity planning and efficient cash management. You get a precise overview of your cash position in real time, proactively plan your liquidity, and craft tailored cash scenarios to fit your needs.

Microsoft Excel

For over 30 years, Microsoft Excel has been an ally for start-ups, SMEs, and large corporations alike. Beyond performing calculations and generating charts, Excel can be also used for cash flow management.

Microsoft Excel pricing

With Excel, you have two choices: use it as a standalone application or use it within the Microsoft 365 suite.

• Excel standalone: $159
• Excel within Microsoft 365: $6.99 per month

What do companies use Microsoft Excel for?

Excel is a tool used for cash flow management, payment tracking, and budget monitoring in many companies. However, its limitations can significantly hinder effective financial management.

The manual data entry required by Excel poses considerable challenges. Without built-in features for automatic data integration, managing account balances becomes a time-consuming task fraught with potential errors. Moreover, Excel lacks real-time updates, complicating liquidity planning and forecasting. The need for manual updates increases the risk of losing crucial information from various scenarios. Consequently, Excel falls short of a comprehensive cash flow management solution.

Summary Microsoft Excel

While Excel might suffice for basic cash flow management with a single account and a handful of transactions, it quickly shows its limitations as your financial landscape becomes more complex. For sophisticated cash management needs, modern software offers advanced features and enhanced efficiency, making it the superior choice for comprehensive financial oversight.

Tidely

Tidely is a cash flow solution tailored for SMEs and large enterprises. It offers real-time financial oversight and liquidity management with a comprehensive dashboard, cash flow forecasts, scenario planning tools, and reporting.

Tidely pricing

Tidely's pricing depends on your company's size, the number of users, and the number of bank accounts you need. They offer four plans: Starter, Professional, Business, and Enterprise. It's worth noting that the Starter and Professional plans come with some limitations – allowing for only 1 and 5 bank accounts, and 1 and 2 users, respectively. To help you make a decision, Tidely provides a 7-day free trial, so you can explore their features before committing.

• Starter: €45 per month (annual billing)
  • Bank account connection: 1
  • Number of users: 1
• Professional: €85 per month (annual billing)
  • Bank account connections: 5
  • Number of users: 2
• Business: €215 per month (annual billing)
  • Bank account connections: 10
  • Number of users: 5
• Enterprise: customized prices and features

What do companies use Tidely for?

Tidely's cash flow software offers a suite of features. Here’s what you can expect:

• Liquidity overview and control: gain an overview of your financial landscape with all your data integrated into one platform.
• Liquidity planning: plan your cash flow and explore multiple scenarios to anticipate how your liquidity could develop.
• Reporting: generate and share detailed reports with different stakeholders, ensuring clarity and alignment.
• Team and company management: oversee cash flow across various teams, structures, and business units.
• Transaction and invoice management: streamline your transaction and invoice processes by integrating your bank accounts and ERP systems.

Summary Tidely

With Tidely, you get cash flow software that simplifies and optimizes your cash management tasks.

Commitly

Commitly is cash flow software designed to provide a comprehensive overview of your financial health. It focuses on cash forecasting with which you can plan liquidity. It is tailored for SMEs and startups.

Commitly pricing

Commitly’s pricing is dependent on factors like company size, user count, and the number of bank accounts. The software is available in three plans: Basic, Business, and Professional. Plus, you can explore all its features with a 14-day free trial.

• Basic: €45.83 per month (annual billing)
  • Bank account connections: 1
  • Number of users: 1
• Professional: €70.83 per month (annual billing)
  • Bank account connections: 3
  • Number of users: 5
• Business: €120.83 per month (annual billing)
  • Online accounts: 8
  • Number of users: 8

What do companies use Commitly for?

Commitly delivers a suite of tools designed to streamline cash flow management and liquidity planning:

• Bank & ERP Integrations: connect all your banks and relevant systems for seamless financial management.
• Cash Flow Monitoring: stay up-to-date with a real-time overview of your cash position.
• Cash Flow Planning & Scenarios: create simple yet professional plans and run scenarios for better decision-making.
• Controlling & Status Insights: access variance analyses, status overviews, and detailed development reports.
• Accounts Receivables/Payables Management: centralize and streamline the tracking of open items.
• Consolidation for Groups of Companies: view all companies, banks, and bank accounts at a glance for easy consolidation.
• Team Collaboration: assign roles, set permissions, and manage approvals down to the category level.

Summary Commitly

Commitly’s cash flow software provides a comprehensive snapshot of your financial position and critical metrics. With a focus on forecasting, it enables the planning and modeling of various cash scenarios.

Atlar

Atlar is cash flow software for cash management, payment processing, and cash flow forecasting. The tool is tailored for medium to large enterprises.

Atlar pricing

Pricing for Atlar depends on company size and selected features; you’ll receive a customized quote. Atlar offers three plans: Essential, Professional, and Enterprise. The pricing details are not disclosed publicly, and it is not clear if Atlar offers a free trial. According to Atlar, implementation of the software typically takes 2-3 months.

What companies use Atlar for

Atlar’s cash flow software delivers comprehensive solutions designed to elevate your financial management:

• Cash management: get real-time insights into your cash positions and maintain a clear view of your financial health.
• Payments: enhance efficiency by streamlining and optimizing your payment processes.
• Cash flow forecasting: Develop liquidity plans and simulate different scenarios to anticipate future cash flow trends.

Summary Atlar

With Atlar you access cash flow software that covers basic needs. It simplifies cash flow management and forecasting, ensuring you stay on top of the essentials.

Finban

Finban is a financial planning software tailored for agencies, SMEs, startups, and SaaS companies. Powered by finbot, a smart personal assistant, the platform delivers intelligent insights. finbot automatically analyzes your data, generates customized reports, provides actionable recommendations, and notifies users of irregularities or potential concerns.

Finban pricing

Finban offers three pricing plans, each with a 14-day free trial and the flexibility to upgrade at any time. All prices are exclusive of VAT. The number of bank connections and users varies depending on the plan.

• Starter Plan
  • Monthly payment: €35 per month
  • Annual payment: €26.25 per month
  • 1 bank connection
  • 1 user

• Business Plan
  • Monthly payment: €65 per month
  • Annual payment: €48.75 per month
  • 3 bank connections
  • 5 users

• Professional Plan
  • Monthly payment: €120 per month
  • Annual payment: €90 per month
  • 10 bank connections
  • 10 users

Key features

Finban offers streamlined cash flow and financial forecasting for companies and founders. It helps answer key questions like: What happens if we don’t acquire new customers? Can we hire new employees? How will tax payments impact our business? Key features include:

• Liquidity Planning
• Scenarios & Forecasting
• Budget Planning
• Analytics & Reporting
• Personnel Planning

Summary Finban

Finban is a financial planning software designed to assist agencies, SMEs, startups, and SaaS companies. It leverages finbot, a smart personal assistant, to automatically analyze data, generate customized reports, provide actionable insights, and notify users of potential concerns. The platform offers flexible pricing plans with a 14-day free trial and the option to upgrade. Its features include cash flow management, scenario planning, budget planning, analytics, and personnel forecasting.

Trovata

Trovata is a cash management platform that helps large companies and corporations automate their cash flow processes. It centralizes multi-bank data and provides a dashboard for liquidity management. With features like automated cash flow analysis, forecasting, and real-time insights, it simplifies financial oversight.

Trovata pricing

Trovata’s pricing is tailored to a company’s size and needs. The base package costs €24,000 per year and includes:

• Up to 10 users
• Up to 100 data connections
• Up to 1 million transactions

What companies use Trovata for

Trovata helps businesses optimize cash flow and improve financial transparency. It consolidates data from multiple bank accounts, automates reporting, and delivers accurate cash flow forecasts. This enables better financial decisions and early detection of potential liquidity gaps.

Key features

• Cash Flow Analysis: automated tracking of cash movements to identify trends and patterns.
• Cash Forecasting: accurate projections based on historical data and real-time trends.
• Cash Positioning: a single view of all financial data and metrics.
• Cash Reporting: generates reports without manual effort.
• Multi-Bank Integration: combines data from multiple accounts for a comprehensive financial overview.

Summary Trovata

Trovata is built for enterprises managing cash across multiple entities and jurisdictions. It streamlines cash management with automation, real-time insights, and centralized control – helping businesses stay ahead of financial risks.

Helu

Helu is a cash flow software designed for startups and small to mid-sized businesses. It integrates seamlessly with DATEV and specializes in real-time financial reporting.

Helu pricing

Essentials Plan:

• 1 user
• 3 reports
• 3 pivot tables
• 3 exports per month

Premium Plan:

• 3 users
• 10 reports
• 10 pivot tables
• 10 exports per month

Professional Plan:

• 10 users
• 30 reports
• 30 pivot tables
• 30 exports per month

Enterprise Plan:

• Custom solutions

What companies use Helu for

Helu helps companies analyze financial data, plan budgets, and improve team collaboration. It provides reporting tools, forecasting capabilities, and an integrated approach to financial management.

Key features

• Analysis: Visualization and interpretation of financial data.
• Planning: Budgeting and forecasting to support financial decision-making.
• Collaboration: Shared report creation and editing for better teamwork.
• Consolidation: Integration of financial data from various sources for a comprehensive overview.
• DATEV Integration: Automated data exchange with DATEV.

Summary Helu

Helu streamlines financial reporting by automating data consolidation and report generation. It simplifies collaboration across teams and reduces the time spent on financial reporting.

Embat

Embat is a cash flow software designed for mid-sized and large companies looking to automate and streamline their financial processes. The platform connects to bank accounts in real time, allowing users to manage cash flow, debt, and forecasts.

Embat pricing

Embat offers three pricing plans: Starter, Professional, and Enterprise. Pricing details are not publicly available. Contact the sales team for a quote.

What companies use Embat for

Companies use Embat to digitize treasury processes, gain real-time financial insights, and reduce manual tasks. The software visualizes cash flow, automates reporting, and generates liquidity forecasts.

Key features

• Real-Time Bank Connectivity: access financial data from over 13,000 institutions worldwide.
• Cash Flow Forecasting: short-, mid-, and long-term liquidity planning.
• Automated Accounting: AI-driven processes for bookkeeping and reconciliations.
• Centralized Payment Management: handle all payments from a single platform.
• Custom Reports & KPIs: tailored analytics for better decision-making.

Summary Embat

Embat is a comprehensive cash management tool that supports businesses in all key financial operations.

Nomentia

Nomentia is a software solution for managing payments, liquidity, and treasury operations. It is designed primarily for large enterprises. With Nomentia, you can centrally monitor and manage liquidity, improving financial transparency and decision-making.

Nomentia pricing

There is no publicly available pricing information for Nomentia.

What do companies use Nomentia for?

The platform provides tools for managing bank accounts, analyzing bank fees, and forecasting cash flow.

Key features

• Payment Hub: centralizes and controls all corporate payment flows.
• Liquidity Management: monitors and manages group-wide liquidity in one place.
• Cash Flow Forecasting: generates accurate predictions by consolidating data and using AI.
• Bank Account Management: centrally manages and monitors all corporate bank accounts.
• Treasury Reporting: compiles treasury reports using data from various systems and banks.

Summary Nomentia

Nomentia is a comprehensive liquidity and treasury management solution that helps businesses streamline payment and liquidity processes.

Summary: The 10 best cash flow software

We’ve assessed the top ten cash flow software options, comparing them against key criteria. Each solution offers unique advantages and drawbacks. To assist you in making a well-informed decision, we’ve provide you a comparison table highlighting these insights.

Our selection includes a diverse array of options, catering to both high-end needs and everyday simplicity. Some software delivers a wealth of advanced features but may involve a more intensive onboarding process and a steeper learning curve. On the other hand, other solutions are crafted for effortless setup and immediate use, offering essential cash flow management with an intuitive interface.