Cash flow management software: Top 10 tools compared 2025

The most important things in brief

• Cash flow software enables better liquidity management, helps Identify bottlenecks earlyto make well-founded financial decisions through real-time data, and saves a lot of time.
• Tools like Tidely and Commitly are special focused on liquidity management, while Agicap, Board and companyon, for example, also cover other areas such as dunning, business intelligence or controlling.
• To find the right tool, you should use your Clearly define requirements and check whether support and individual advice are offered. Also choose software that fits the size of your company and can grow with you.

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What is cash flow and cash flow management?

Cash flow, in German cash flow, refers to the total deposits and withdrawals of a company within a specific period of time. It shows How much liquid assets are actually available and how the financial situation is developing. Cash flow management comprises all measures to actively manage these cash flows — for example through optimised payment terms, efficient receivables management or forward-looking financial planning.

This is exactly where a powerful cash flow software , which is also known as cash flow management software, cash flow management tool, but also as liquidity planning software and liquidity management software.

Although the terms cash flow management, liquidity management and liquidity planning often used synonymously , they relate to different areas within the strategic management of corporate liquidity.

If a company is profitable, it can still run into a liquidity bottleneck and become insolvent. In order to prevent this and to be able to make well-founded financial decisions, Liquidity management The A and O.

• Liquidity management comprises all strategic measures to ensure solvency (liquidity) in the long term.
• Liquidity planning is the systematic recording and forecasting of future cash flows, for example in order to identify financial bottlenecks at an early stage. It forms the basis for well-founded financial decisions.
• Cash flow management manages daily deposits and withdrawals and ensures that the company remains liquid in the short term.

All three areas are interlinked and are essential for solid and holistic financial management.

When choosing a tool, however, the name is less important. Much more important is the question of whether the Focus of such software is based on the planning and management of liquidity or on the analysis of historical data and comprehensive controlling. In the latter case, the functionalities for cash flow management and liquidity planning are usually rather immature and secondary.

Why is cash flow software important?

Cash flow management is one of the most important aspects of financial planning of a company. It ensures that Sufficient liquid assets available are to pay bills, make investments and cover unforeseen expenses. But without the right tools, things can quickly become confusing — especially when deposits and withdrawals are managed in manual Excel spreadsheets.

Good cash flow management software remedies this by linking all bank accounts and accounting systems together and providing an automated, up-to-date overview of the financial situation. This is how you can Monitor payment flows in real time, identify bottlenecks at an early stage and initiate targeted countermeasures so that the company is stable in the long term.

Predictive cash flow management is essential, particularly for companies with limited financial resources, such as start-ups and SMEs or companies with high-growth business models. Even minor fluctuations — such as late customer payments or unexpectedly high spending — can lead to liquidity bottlenecks. Cash flow software helps to minimize these risks, optimize costs and Make financial decisions based on data.

Requirements for modern cash flow management software

A good cash flow management tool must do more than just track deposits and withdrawals. Here are some important requirements that a suitable solution for your company should meet.

• Integration with other systems

A powerful tool must be easy to integrate into your IT landscape. This includes connecting to ERP and accounting systems as well as connecting to your bank accounts to automatically synchronize financial data.

• Ease of use and intuitive operation

A clear and intuitive user interface saves time and nerves. The design should be simple enough that even users without in-depth financial background can quickly understand and use the most important financial data and functions.

• Real time data

A cash flow management tool should provide you with real-time data so that you always have an up-to-date overview of your finances. This allows you to react directly to financial changes. This transparency is particularly important during growth phases or unexpected crises, so that you remain able to act and pay at all times.

• Scenario planning and forecasting

Modern cash flow software makes it easy to run through various financial scenarios. This scenario planning helps you to be better prepared for future developments. For example, you can test what happens if a major customer pays later or how an investment in the liquidity has an effect. In this way, you can identify potential risks at an early stage and take countermeasures in good time.

• Automation for greater efficiency

An important feature of modern cash flow management tools is the automation of recurring tasks such as synchronizing and categorizing transactions and invoices or automatically forecasting liquidity.

• Visual reporting and KPIs at a glance

A clear visualization of financial data helps you quickly understand correlations and make better decisions. Dashboards that present key figures (KPIs) make it easy to monitor company performance. Diagrams and graphics make the development of cash flows easy to understand and create trust when you present the data to stakeholders, investors or banks.

The 10 best cash flow software in comparison

Good cash flow management software must suit you — not only in terms of functions, but also in terms of handling and costs. Here we present the 10 best tools for 2025 — compact and with their most important advantages and disadvantages.

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1. Tidely

⭐️⭐️⭐️⭐️⭐️ 4.5/5

107 reviews at OMR

prize: Starting at 45,00 €/month

demo: Yes, 1:1 product presentation

Free trial account: 7 days

Tidely is a cash flow management software developed in Germany that helps SMEs and scale-ups to monitor and manage their liquidity in real time. The platform enables the integration of over 5,000 bank accounts as well as common ERP and accounting systems, which automatically synchronizes and categorizes financial data.

With features such as AI-based forecasts, scenario analyses and a customizable dashboard, Tidely helps companies make well-founded decisions, avoid liquidity bottlenecks in good time and grow securely.

Features of Tidely:

• Intuitive operation & quick start: Tidely is designed to be user-friendly and makes it easy to get started — even without in-depth financial knowledge. Bank accounts and billing systems can be connected in just a few minutes, and initial analyses are available within 30 minutes. Thanks to the clear interface, you can immediately find your way around.
• Seamless integration & automated processes: Thanks to the connection to various ERP and accounting systems as well as intelligent automation functions such as auto categorization and categorization rules, Tidely minimizes manual effort. As a result, companies can up to 20 hours per month.
• AI-powered forecasts & scenario analyses: At the push of a button, Tidely creates precise liquidity forecasts, which are presented as target/actual comparisons on a daily, weekly or monthly basis. Users can also run through various scenarios — such as changes in sales or late payments — and thus identify financial risks at an early stage.
• Comprehensive tools for liquidity management & financial analysis: Tidely offers all essential functions to professionally plan, manage and analyze your liquidity. In addition, detailed cash flow reports for banks or investors can be generated with just one click.
• Security & data protection at the highest level: Tidely was developed in Germany, is hosted locally and complies with the strict data protection guidelines of the GDPR. This ensures that your financial data is protected in the best possible way.
• Personal support & individual onboarding: Customers benefit from a personal 60-minute introduction by a Tidely expert and direct support — for seamless use from day one. Tutorials and a knowledge database also make it easier to get started.

How much does Tidely cost?

There are four parcels from €45.00 per month available (with annual payment). At Tidely, prices are clear and transparent, with no hidden costs. As a result, the software offers one of the best price-performance ratios for SMEs.

More than 1000 companies from various industries They already rely on Tidely. In addition to cash flow software, Tidely offers an individual onboarding process and German-language support to get the most out of your cash flow management.

Try out Tidely now for 7 days free of charge and benefit from simpler, more transparent and efficient financial management!

Request a test account now!

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2. Agicap

⭐️⭐️⭐️⭐️⭐️ 4.6/5

169 reviews at OMR

Prize: On request

Demo: Yes

Free trial account: Yes

Agicap is a SaaS solution from France that, like Tidely, helps companies monitor and forecast their cash flow in real time. The software provides features such as automatic categorization of cash flows, budgeting, and financial forecasting to optimize financial decisions. Agicap is aimed at SMEs, but above all at growing and large companies.

Features of Agicap:

• Holistic financial management: In addition to cash flow management, Agicap offers advanced tools such as credit card management and reminders, which enable holistic financial management. This makes Agicap particularly interesting for companies that want to map everything in one tool.
• Modularly expandable: The software can be extended as needed and budget, so that companies only use the functions they actually need.
• Additional features and add-ons: In addition to cash flow planning, Agicap also offers reminders, credit card management, cash pooling and in-depth analyses. These functions enable comprehensive financial management and make Agicap particularly attractive for companies that want to map their entire financial management in one tool.

How much does Agicap cost?

The costs of Agicap depend on individual requirements, but are in the higher price segment, which can pose a financial hurdle for smaller companies or start-ups.

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3. Commitly

⭐️⭐️⭐️⭐️⭐️ 4.8/5

126 reviews at OMR

Prize: Starting at 45,00 €/ month

Demo: No

Free trial account: 14 days

Like Tidely, Commitly is classic cash flow management software. It was developed specifically for financial experts and SMEs. Similar to Tidely, the core function is to create and monitor cash flow so that companies can precisely plan their future liquidity. The software also allows banking transactions to be synchronized and compared with users' financial plans to provide automated insights into liquidity.

Commitly features:

• Scenario planning and forecasting: The software offers functions to simulate various financial scenarios, which helps companies to better understand the effects of planned changes and make well-founded decisions.
• Integration with banking and ERP systems: Commitly enables seamless connection to various bank accounts and ERP systems, which automatically synchronizes and updates financial data.
• Custom API interface: Commitly offers a powerful API that can be optimally adapted to existing systems by internal programmers. However, this requires the necessary know-how.

How much does Commitly cost?

From €45.00 per month (when paid annually). Commitly offers a fair pricing structure, which makes it particularly attractive for small companies that only need a lean solution. For a comparable price, however, you can get more from other providers. Among other things, more flexible features, more comprehensive planning tools, and world-class support.

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4. Helu

⭐️⭐️⭐️⭐️⭐️ 4.5/5

51 reviews at OMR

Prize: On request

Demo: No

Free trial account: Yes

Helu is a comprehensive FP&A (Financial Planning and Analysis) solution that helps companies, finance teams, and consultants efficiently analyze, plan and manage financial data. The software integrates various data sources, automates reports and makes it possible to create individual dashboards to keep track of important key figures.

Features of Helu:

• DATEV integration and professional reports: Seamless integration with DATEV enables real-time import of accounting data and the preparation of detailed financial reports such as profit and loss statements, balance sheets and cash flow analyses. These detailed reports help you gain insights on a professional level.
• Automation and less manual work: Helu reduces manual effort through automatic reporting, accounting reconciliations and precise AI-based data analyses. This saves companies time and minimizes errors.
• Custom dashboards and flexible analysis options: Users can organize their financial data in customizable dashboards and use widgets to visualize the most important KPIs to make well-founded decisions.

How much does Helu cost?

Helu offers individual price offers based on a company's specific requirements. Interested companies can contact us directly to receive a tailor-made offer.

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5th re:cap

⭐️⭐️⭐️⭐️⭐️ 4.8/5

19 reviews at OMR

Prize: Starting at 39.00 €/ month

Demo: Yes

Free trial account: Yes, 14 days

re:cap was founded in 2021 and is a financing platform that also offers liquidity management as a further product. The offer is aimed at start-ups & Saas companies and was developed specifically for companies with recurring revenue.

Features of re:cap:

• Live overview of all bank accounts and transactions: All financial data can be accessed centrally in one platform, which means that there is no need to manually log in to various bank accounts.
• Flexible cash flow analysis: Payment flows are automatically categorized using AI, but can also be manually adjusted and provided with individual tags to carry out specific analyses.
• Comprehensive forecasts: re:cap enables forecasts of up to 24 months, simulation of investments and stress tests in order to identify financial risks at an early stage.

How much does re:cap cost?

re:cap offers a liquidity analysis package, which costs 39.00€ per month when paid annually. While some comparison platforms report that the liquidity analysis starts at €0 per month, this is not visible on the official website. It is also unclear how the other two offered packages — for automated accounting and external financing — can be combined, making direct comparisons with other providers difficult.

6. fygr

⭐️⭐️⭐️⭐️⭐️ 4.8/5

5 reviews at Capterra

Prize: Starting at 49,00 €/ month

Demo: No

Free trial account: Yes, 7 days

fygr offers easy cash flow planning with dynamic updates for smaller companies. By automatically synchronizing with bank accounts, fygr always provides an up-to-date overview of the financial situation.

Benefits of fygr:

• Quick scenario planning: fygr allows you to dynamically play through various scenarios. This feature helps to immediately assess the impact of cash flow changes.
• Customizable plans: The ability to adapt plans flexibly and dynamically makes fygr particularly interesting for companies that often have to react to changes.
• Ease of use: The software is designed in such a way that even users without previous accounting knowledge can easily use it.

How much does fygr cost?

fygr offers three packages starting at 49.00€ per month (with annual payment). The exact costs vary depending on the selected range of functions and the size of the company.

7. company

⭐️⭐️⭐️⭐️⭐️ 4.9/5

7 reviews at OMR

Prize: Starting at 69,00 €/ month

Demo: Yes

Free trial account: Yes, 14 days

companyon is a controlling software that was developed specifically for SMEs, but also offers packages for larger companies. There are functions for planning, controlling and liquidity management, including budget planning, key figure analysis, BWA, target/actual comparisons and liquidity forecasts.

Benefits of companyon:

• Easy to implement and use: The software is set up in just a few minutes and is intuitive to use, making it easy to get started.
• Automatic liquidity forecasts: companyon automatically creates liquidity forecasts from actual and planned data, which provide an outlook on a company's ability to pay in the coming months and years.

How much does Companyon cost?

companyon offers four packages. The basic package starts at €69.00 per month, with annual payment. There is also the Professional, Expert and Premium packages.

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8. finban

⭐️⭐️⭐️⭐️⭐️ 4.8/5

11 reviews at OMR

Prize: Starting at 26.25 €/ month

Demo: Yes

Free trial account: Yes, 14 days

finban was founded in 2023 and is modern financial planning software developed specifically for SMEs, start-ups, agencies and SaaS companies. It offers features such as real-time cash flow forecasting, scenario planning, and integration of bank accounts and accounting tools, making finban a real alternative to traditional Excel spreadsheets.

Benefits of finban:

• Intuitive user interface: finban offers a clear layout that allows users to quickly start cash flow management without needing in-depth financial knowledge.
• Flexible scenario planning: Companies can create and compare various financial scenarios to see how investments or defaults would affect their liquidity.
• High data security and GDPR compliance: finban stores data on AWS servers in Europe and meets GDPR and ISO/IEC 27001:2013 standards, which ensures a high level of security and integrity — ideal for data-sensitive companies.

How much does Finban cost?

finban offers three packages. The starter package costs 26.25€ per month, paid annually. This package includes a user, a bank connection and an organization. If you want more, you can upgrade to the business or professional package.

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9. board

⭐️⭐️⭐️⭐️⭐️ 4.7/5

30 reviews at OMR

Prize: On request

Demo: Yes

Free trial account: No

Board is a comprehensive platform for business intelligence (BI), performance management, and analytics that also offers liquidity and cash flow management capabilities. It enables the integration of various data sources and helps companies make well-founded decisions.

Board features:

• Comprehensive BI and performance management features: Board combines BI, performance management and analytics in one platform, which enables companies to efficiently manage and analyze their data. 
• Integration of various data sources: The platform enables seamless integration of various data sources, which ensures a consolidated view of company data.

How much does Board cost?

The costs for Board are not directly visible on the website and must be requested and agreed individually. However, since the tool is primarily aimed at large companies, the cost structure can be a challenge for small companies.

10. finway

⭐️⭐️⭐️⭐️⭐️ 4.5/5

57 reviews at OMR

Prize: Starting at 209.00 €/ month

Demo: Yes

Free trial account: Yes, 14 days

finway was founded in 2020 and developed specifically for SMEs. It is an innovative platform that automates and optimizes financial processes in companies. Thanks to DATEV integration and bank connection, it simplifies accounting and payment processing. However, this tool does not focus on cash flow and liquidity management, which is why this software can be used more in addition to a cash flow solution.

Features of finway:

• Ease of use: Users appreciate the intuitive operation and the clear presentation, which make everyday work easier.
• Comprehensive features: The software allows you to manage payments, purchases, and expenses in a single tool, which reduces the need for complicated folder structures with Excel files.
• Quick customer service: The support team responds promptly and competently to inquiries, which is positively emphasized by many users.

How much does Finway cost?

Finway offers two packages, with the cheaper one starting at €209.00. The final price is determined on the basis of incoming invoices to be processed monthly. 100 invoices are included in the price. This makes Finway more of a high-priced solution, which can pose a financial hurdle for SMEs and start-ups.

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3 tips: How to find the right cash flow management tool

Choosing the right cash flow management software depends on what you expect from the tool itself and what services your company depends on. There is no such thing as the right software — to make your decision easier, we have put together helpful tips that you should definitely consider when choosing:

1. Define exactly what you need this tool for

If you're looking for software that focuses specifically on managing your cash flow, consider tools like Tidely. Tidely was developed specifically for liquidity management, scenario planning, and real-time overviews of your payment flows. They help you identify financial bottlenecks at an early stage and optimally manage your liquidity.

2. Consider the size of your business

Depending on the size of the company, the requirements for cash flow software vary significantly. Tidely is especially for SMEs, start-ups and scale-ups suitable because it is easy to use, quick to implement and offers an attractive price-performance ratio. For those who, in addition to liquidity and cash flow management, are also looking for advanced functions such as cash pooling, reminders, BI or corporate credit cards, Bord or Agicap could be an alternative — but you also have to expect higher costs here.

3. Prioritize support and individual advice

Good support is crucial, especially at the beginning, when you set up the tool. Make sure that the provider comprehensive consulting and support options offers — especially on this point, Tidely is a good Commitly alternative. Because we offer personal onboarding, personal support via email, chat, telephone or even a personal advisor. We also provide you with video tutorials and an extensive knowledge database.

Conclusion: Which cash flow software is right for you?

If you're looking for a easy to use, transparent and affordable If you are looking for a solution for your cash flow management and financial planning, then this is Tidely Just the thing for you. Tidely offers everything that small and medium-sized businesses and scale-ups need — simply and without hidden costs.

Unlike many competitors, we attach great importance to ensuring that you are not left alone. Unser personal support, intuitive usability and the focus on key features make Tidely the ideal solution for SMEs, growing companies and project-based business models.

If your company needs more and you're willing to pay a premium price, Board or Agicap an alternative be.

Choosing the right cash flow tool therefore depends heavily on what you and your company actually need. With Tidely You get a solution that offers all important functions, remains clearly structured and doesn't break the bank — ideal for anyone who wants to organize their financial management simply, professionally and without stress.

Try Tidely now 7 days free and benefit from simpler, more transparent and efficient financial management!

Request a test account now!

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note: As our industry is rapidly evolving, the details and prices of providers can change very quickly. If you notice an error, feel free to contact us and let us know. We will then fix it. Contact now.

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FAQ

What does Tidely do?

Tidely is a Cash flow management software specifically for SMEs was developed. It provides real-time liquidity monitoring, enables scenario analyses and forecasts, and integrates with bank accounts and accounting systems. The aim is to enable companies to plan financially transparently and automatically and to help them grow securely.

Which cash flow software is right for SMEs?

Which is the best cash flow software for SMEs depends on individual requirements. Tidely is ideal for companies that have a user-friendly and transparent solution search. Commitly offers a specialized solution for financial professionals that is less flexible and focuses on committing budgets. Agicap is also suitable for large companies with comprehensive requirements and more budgets.

Is Tidely an Agicap alternative?

Yes Tidely is a good Agicap alternative. Both tools provide cash flow management and scenario planning features. The difference is in the price and the target group: While Agicap offers a wider range of functions more for larger companies, Tidely focuses on SMEs and scale-ups and is more transparent and cheaper in pricing.

Is Tidely a Commitly alternative?

Yes Tidely can be used as an alternative to Commitly be seen. Both solutions specialize in cash flow management and offer real-time data and forecasting functions. However, Commitly is even more streamlined and focused on financial professionals, while Tidely offers a more user-friendly interface, personalized onboarding, and additional support.

Which is the best cash flow management software?

Which is the best software depends on your company's needs. Tidely is ideal for SMEs and scale-ups because it's easy to use and affordable. Agicap offers more comprehensive features for large companies, but is therefore more expensive.

Is there any free cash flow software?

Yes, there are tools like Tidely who offer a free trial period. As a rule, often Excel templates used, which are suitable for simple cash flow planning. However They quickly reach their limits, because Excel never gives you your liquidity data in real time. Each Excel spreadsheet must be updated manually, which is very error-prone and time-consuming — especially with more complex structures.

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