Overview: 5 Tidely alternatives you need to know

We've crafted a convenient spreadsheet to help you compare Tidely with its alternatives and competitors. It includes data on pricing, product features, and bank integrations. If you’re spotting a mistake, please let us know.

• Microsoft Excel 
• Commitly
• Atlar
• Finban
• re:cap

What you should consider when choosing a Tidely alternative

Fancy features can be tempting, but they only matter if they genuinely add value. When choosing cash or liquidity management software, keep these factors in mind:

What do I need the software for?

Choose software that meets your unique needs. Startups have different requirements than large enterprises, and finance teams require in-depth analyses that go beyond the key metrics management focuses on. Take the time to identify what truly matters for your business, and make sure the features you choose align perfectly with those needs.

How time-consuming are onboarding and maintenance?

From our conversations with customers, we’ve learned that onboarding with some providers can be a lengthy and resource-intensive process, often taking 2-3 months to implement. However, the payoff is a robust set of features. Before diving in, it’s crucial to assess the onboarding timeline and requirements: will it be a quick setup, or will it take weeks to start generating valuable insights?

The same careful consideration should be given to maintenance. Once your data sources are connected, the system should run smoothly without the need for constant adjustments.

Do I need all the features that the software offers?

More features often come with higher costs – whether you need them or not. This can lead to paying for capabilities you never use.

How is data quality ensured?

Even the best cash management software falls short if the data isn't accurate. Pay close attention to how well the software classifies transactions and whether it includes features for data cleansing, validation, and enrichment. These are the key elements that ensure your financial data is not just organized but reliable.

What are 5 Tidely alternatives?

Microsoft Excel

For over 30 years, Microsoft Excel has been a trusted tool for organizations of all sizes. Its flexibility as a spreadsheet and data analysis platform has made it a popular choice for managing cash flow and budgets. Yet, while Excel excels at many tasks, it has clear limitations when used for advanced cash management and financial planning.

Microsoft Excel pricing

With Excel, you have two options for your company: either use Excel as a standalone program or as part of Microsoft 365.

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

Key features

Excel can be a versatile tool, and many companies use it to track incoming and outgoing payments and manage their budgets. However, it's important to note that Excel relies entirely on manual input. 

When it comes to cash management, this approach has its drawbacks. Excel isn’t designed for effective liquidity management or financial planning. Key features are missing: you can’t automatically link bank accounts, so you must enter account balances manually, which is time-consuming and error-prone. Without real-time visibility into your transactions, liquidity planning and forecasting become challenging. Additionally, maintaining and updating your planning data manually means you risk losing information from previous scenarios.

Summary Microsoft Excel

Microsoft Excel remains a reliable tool for fundamental financial tasks, but for businesses with more complex cash management needs, dedicated software offers greater efficiency, accuracy, and insight.

Commitly

Commitly is a cash management software designed to help small and medium-sized enterprises (SMEs) and startups manage their finances efficiently. Its core functionality lies in creating detailed cash flow forecasts, enabling businesses to gain a clear overview of their liquidity and financial position.

Commitly pricing

Commitly offers three pricing tiers – Basic, Professional, and Business – each tailored to the needs of different company sizes and requirements. All plans can be billed annually or monthly, and a 14-day free trial is available.

• 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)
  • Bank account connections: 8
  • Number of users: 8

Key features

Commitly offers a range of features designed to simplify cash flow management and improve financial decision-making:

• Liquidity Overview: obtain a real-time overview of cash inflows and outflows to stay informed about daily liquidity.
• Cash Flow Forecasting and Scenarios: create forecasts and simulate various financial scenarios to plan for future liquidity needs.
• Bank and ERP Integrations: connect multiple bank accounts and integrate with ERP systems for streamlined financial management.
• Variance Analysis and Status Insights: analyze deviations between planned and actual figures with variance reports and detailed overviews.
• Accounts Receivable/Payable Management: centralize the tracking of open invoices and payments for better oversight.
• Group Consolidation: consolidate financial data across multiple companies, banks, and accounts for a unified view.
• Team Collaboration: assign user roles, set permissions, and manage approvals for efficient teamwork and control.

Summary Commitly

Commitly is particularly well-suited for SMEs and startups seeking an intuitive solution to manage cash flow and financial planning. Its tools are designed to support businesses in making informed decisions by providing real-time insights, simplifying forecasting, and enabling collaboration across teams.

Atlar

Atlar, headquartered in Sweden, offers a robust cash management software solution designed for medium-sized and large companies, as well as enterprise clients. The platform integrates key financial functions, including cash flow forecasting, payments management, and liquidity planning, into a single interface.

Atlar pricing

Atlar’s pricing is tailored to the size of your business and the features you require. The company provides three tiers of service: Essential, Professional, and Enterprise. Specific pricing details are not disclosed publicly, and Atlar does not offer a free trial period. According to Atlar, implementation typically requires 2-3 months, depending on the complexity of your operations.

Key features

Atlar’s platform consolidates cash flow insights into one comprehensive view. Its tools allow businesses to manage payments efficiently and create detailed liquidity plans by analyzing multiple financial scenarios. This functionality is designed to streamline financial workflows and enhance decision-making.

Atlar summary

Atlar provides a software solution that addresses essential cash management needs. While its features are comprehensive, the platform is particularly suited for organizations seeking centralized control over their financial operations without piecing together multiple tools.

Finban

Finban is an alternative to Atlar, designed to be adaptable to various business needs. It is financial planning software specifically tailored for agencies, SMEs, startups, and SaaS companies. Powered by finbot, an intelligent personal assistant, the platform provides actionable insights. Finbot analyzes your data, generates customized reports, offers recommendations, and alerts users to any irregularities or potential concerns.

Finban pricing

Finban offers three pricing plans, each including a 14-day free trial and the flexibility to upgrade at any time. All prices are exclusive of VAT. The features and bank connection limits vary depending on the chosen 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 financial planning and cash flow forecasting for businesses. It helps address important questions, such as: What happens if we don’t acquire new customers? Can we hire additional employees? How will tax payments impact our business? The key features include:

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

Finban summary

Finban is a financial planning tool designed to support agencies, SMEs, startups, and SaaS companies. It uses finbot, a smart personal assistant, to automatically analyze data, generate tailored reports, provide actionable insights, and notify users of potential issues. Finban offers flexible pricing plans with a 14-day free trial and the option to upgrade. Its core functionalities include cash flow management, scenario planning, budget planning, analytics, and personnel forecasting.

re:cap

re:cap is liquidity management software designed to support businesses in planning, monitoring, and optimizing cash flow with precision. Tailored for startups, scaleups, and small to medium-sized enterprises, it offers a structured approach to efficiently manage cash movements and ensure financial stability. However, re:cap not only offers cash management software but also funding products – so you can optimize your liquidity and finance your business if needed in one platform.

The software provides a real-time overview of all linked bank accounts and transactions, automatically categorizing incoming and outgoing cash flows. This ensures instant access to key financial metrics for accurate reporting to management, teams, and investors. Additionally, re:cap enables you to plan liquidity, simulate stress tests, and evaluate the financial impact of significant business decisions, helping you stay prepared for various scenarios.

re:cap pricing

With re:cap, you have three plans to choose from: Basic, Insights, and Funding & Insights. Plus, you can enjoy a 14-day free trial to explore re:cap at no cost. Find all information on the pricing page.

• Basic: €0 per month
• Insights: €39 per month (annual billing)
• Funding & Insights: customized prices

Note: You can invite unlimited users and link as many bank accounts as you need – regardless of your plan.

Key features

Liquidity Management

The liquidity management of re:cap covers a wide range of functions:

• Cash flow statement: we automatically categorize all your transactions, making it easy for you to track all cash transactions.
• P&L statement: leverage real-time profitability analysis to stay updated and make timely optimizations.
• Runway analysis: keep a close watch on your cash burn and runway to fine-tune your financial strategy and ensure optimal planning.
• Consolidation: gain insights into liquidity across various levels and entities.
• Plan vs. Actuals: compare your business plan projections with actual results to spot deviations early on.
• Bank connections: gain access to over 14,000 bank accounts, allowing you to view all your financial information on one platform.

Reporting

You see all key financial figures in one dashboard and can extract them for your reports:

• Get the full picture: build reports based on a complete view of liquidity, customers, profitability, and financial health by connecting banking, revenue, and accounting data.
• One source of truth: be ready to discuss financial metrics and answer management’s questions with confidence.
• Report smarter, not harder: extract key metrics investors care about and save time on manual reporting.
• Sharpen financial accuracy: track revenue, costs, cash flow, and balances to ensure your projections match reality.

Liquidity Forecast

Liquidity forecast covers the following areas:

• Design a liquidity plan using historical data, and adjust manually to explore various scenarios.
• Gain a clearer understanding of how key decisions, such as new hires, significant expenses, or M&A, might impact your cash flow.
• Perform stress tests and simulate how key metrics behave under pressure. This helps you identify crucial areas to focus on in your financial planning.
• Evaluate how debt and equity investments impact your financial planning and liquidity.

Accounting Automation

Our AI streamlines the accounting process, enabling companies to close their books swiftly. It automatically matches invoices with transactions, allowing teams to simply review and approve. By forwarding invoices to their dedicated re:cap email, they seamlessly appear on the platform. This approach frees up valuable time for accountants, eliminating tedious admin tasks and letting them focus on what truly matters – advising your business.

What do companies use re:cap for?

Our customers use re:cap primarily for the following purposes:

• They gain an instant, transparent view of account transactions and cash balances, all updated automatically from their bank accounts.
• They can view all essential financial figures at a glance, whether for the entire organization or individual entities.
• They can keep your management team and investors updated with essential metrics, including burn rate, revenue growth, and cash balance.
• They can identify opportunities to save and cut costs.
• They can monitor the budget closely and respond swiftly to any deviations.
• It simplifies budget planning by providing a clear comparison between business plan targets and actual performance.
• Plan your liquidity with greater precision by creating customized scenarios to better model and understand future developments.
• They can perform liquidity stress tests to evaluate how these impacts affect other areas.

Summary re:cap

With re:cap, you get top-tier cash management software that covers all the essentials: cash flow management, key metrics for reports to different stakeholders, and tools to plan your liquidity and build forecasts.

Summary: 5 Tidely alternatives in 2025

You can choose between several alternatives to Tidely for liquidity management and financial planning. These tools each come with unique strengths and limitations, making it important to carefully consider which option best aligns with your specific needs. Below, we provide a concise comparison to guide your decision:

Functionality vs. Pricing

Some solutions offer a wide array of features, but at a higher cost, while others emphasize simplicity and ease of use. The challenge lies in finding the right balance between comprehensive functionality and affordability that best suits your requirements and budget.

Onboarding and usability:

Certain platforms require extensive setup and training, whereas others enable a smooth, effortless start with minimal configuration. The ease of getting up and running varies, so it's crucial to choose a solution that aligns with your team's capabilities and operational needs.

This comparison should help you navigate your options more effectively and select the solution that best meets your liquidity management and financial planning goals.