Liquidity planning software: The 10 best tools compared 2025

The most important things in brief

• A software for liquidity planning improves your liquidity management, helps you identify bottlenecks at an early stage and make well-founded financial decisions based on real-time data — and saves valuable time at the same time.
• While tools like Tidely and Commitly specifically developed for liquidity planning , solutions such as Agicap, Board and Companyon offer additional functions such as dunning, business intelligence or controlling.
• To choose the right software, you should Define your requirements precisely, pay attention to support and individual advice and ensure that the tool fits the size of your company and can grow with you.

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What does liquidity planning mean?

Liquidity planning is a central part of financial management and ensures that a The company remains solvent at all times. It includes the systematic recording and forecasting of income and expenditure in order to to avoid bottlenecks and to identify investment potential at an early stage.

Care is taken not only to ensure that sufficient liquid assets are available for running costs such as wages, supplier invoices or taxes, but also whether Excess liquidity used wisely can be. A well-thought-out Liquidity planning helps to make well-founded decisions, develop the company in a targeted manner and ensure financial stability in the long term.

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

With such software, budgets can be managed efficiently Predict cash flows precisely and minimize financial risks. Especially for SMEs, start-ups and growing companies, it is an indispensable tool for actively managing their own financial future and keeping track of payment flows at all times.

Important notice: When choosing software, it is not so much the name that is decisive, but its actual focus. Is this based on the active management and planning of liquidity or primarily on the analysis of past financial data and comprehensive controlling? In the latter case, the functions for liquidity management and liquidity planning are often immature and secondary.

Why is liquidity management software important?

The manual financial planning With Excel or simple spreadsheets may initially be sufficient for freelancers and sole proprietorships, but it quickly reaches their limits. As soon as your own employees, more than a handful of customers or financings, and major financial decisions are involved, Excel immediately reaches its limits. A liquidity planning tool provides a remedy here by automating processes and ensuring greater transparency.

Du benefits from numerous functions, can, for example, collect data automatically and in real time, minimize risks by running through various scenarios or efficiently connecting your accounting and ERP systems. In the next section, you will find out what else a modern liquidity management tool should be able to do.

Key features of modern liquidity planning software

Powerful liquidity management software must offer more than just documenting deposits and withdrawals. It should help companies to reliably manage their financial future. Here are the key requirements that liquidity planning software should meet:

• Seamless integration with existing systems

Liquidity management software should be easy to connect to other financial systems. This includes connection to ERP and accounting programs, but also synchronization with bank accounts to automatically record financial data and keep it up to date.

• Ease of use and ease of use

A liquidity management tool must offer an intuitive user interface that can be understood without in-depth financial knowledge. Clear dashboards and easy navigation ensure that all relevant key figures are available at a glance.

• Real-time data for full transparency

Modern software should provide you with real-time data so that you get a daily overview of the financial situation. This allows you to react immediately to financial changes. Especially in phases of growth or unexpected crises, this transparency is crucial so that you remain able to pay and act at all times.

• scenario planning and forecasting

A good liquidity planning tool makes it possible to simulate various financial scenarios. This allows you to check how late customer payments or a planned investment on your liquidity have an impact — and take countermeasures in good time.

• Automation for greater efficiency

Financial planning software does a lot of manual work for you by automating repetitive tasks. This includes categorizing transactions, automatic liquidity forecasting, and retrieving real-time data from linked bank accounts and accounting systems.

• Visual reporting and KPIs at a glance

A clear visualization of financial figures makes liquidity flows easier to understand. Graphics, dashboards, and reports not only help with internal analysis, but are also valuable for banks, investors and stakeholders when you use a Get funding Would like to.

The 10 best liquidity planning software in comparison

Liquidity planning software should not only be functionally convincing, but should also suit your company in terms of usability and price. Here are the 10 best solutions for 2025 — including their most important strengths and weaknesses.

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1. Tidely

⭐️⭐️⭐️⭐️⭐️ 4.5/5

107 reviews on OMR

Prize: Starting at 45,00 €/month

Demo: Yes, 1:1 product presentation

Free trial account: 7 days

Tidely is a liquidity planning software developed in Germany, which was designed specifically for SMEs and growing companies. It provides a real-time overview of liquidity and enables connection to via 5,000 bank accounts as well as common ERP and accounting systems for automatic synchronization of financial data.

Thanks to AI-based forecasts, scenario analyses and an individually customizable dashboard, Tidely helps companies identify financial bottlenecks at an early stage, make strategic decisions based on reliable data and thus grow securely.

That's what our customers say

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Tidely's strengths:

• Central financial overview and real-time overview of liquidity: Tidely bundles all financial data from your bank accounts and billing systems on one platform. This gives you a real-time overview of your finances and available liquidity at any time.
• Comprehensive integration & high automation: Tidely connects seamlessly with numerous ERP and accounting systems and offers intelligent automation features such as auto categorization and categorization rules. As a result, manual effort is significantly reduced — companies save up to 20 hours per month.
• Powerful features for liquidity planning, management and analysis: Tidely combines all essential tools and functions for professional liquidity planning, management and analysis in a single platform. Cash flow reports for banks or investors can also be created with just one click.
• Quick start and intuitive operation: Tidely is designed to be user-friendly, so that a quick start is possible even without in-depth financial knowledge. Bank accounts can be linked in just a few minutes, and initial analyses are available within 30 minutes — without a long training period.
• AI forecasting & scenario analyses: With just one click, Tidely creates AI-powered liquidity forecasts. Get meaningful target/actual comparisons on a daily, weekly and monthly basis. Simulate various scenarios — from sales increases to late payments — and identify financial risks or potential early on.
• German software with the highest data protection standards: Tidely was developed in Germany and is also hosted there. The solution is specifically designed for the German market and meets strict data protection requirements.
• Personal support and individual onboarding: Users benefit from a 60-minute introduction by a Tidely expert and direct, personal support — for seamless use from day one.

How much does Tidely cost?

Tidely offers four clearly structured parcels from €45.00 per month (if paid annually) — with no hidden fees. This makes it one of the most attractively priced solutions for SMEs.

Already over 1,000 companies from a wide range of industries Rely on Tidely. In addition to the software, users benefit from personal onboarding and German-language support to optimize their liquidity planning.

Try Tidely now 7 days free and optimize your financial management with an intuitive and efficient solution!

Request a test account now!

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2. Commitly

⭐️⭐️⭐️⭐️⭐️ 4.8/5

126 reviews on OMR

Prize: Starting at 45,00 €/ month

Demo: No

Free trial account: 14 days

Commitly is liquidity planning software that is also tailored to the requirements of SMEs, but is also aimed at financial experts and controlling departments. The focus is in particular on companies with specific requirements and a higher need for individualization.

Strengths of Commitly:

• Customizable API: The software provides a powerful API that can be flexibly connected to existing systems by internal developers — provided that the company has the appropriate technical know-how.
• Scenario planning and forecasting: Companies can simulate various financial scenarios in order to better assess possible developments and make strategic decisions based on a well-founded database.
• Integration with banking and ERP systems: Commitly connects to bank accounts and ERP solutions so that financial data is automatically synchronized and always kept up to date.

How much does Commitly cost?

Commitly starts at €45.00 per month (when paid annually) and offers a fairly priced solution, especially for small companies with specific requirements. However, some alternatives in this price range offer more features or more comprehensive support.

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3. Agicap

⭐️⭐️⭐️⭐️⭐️ 4.6/5

169 reviews on OMR

Prize: On request

Demo: Yes

Free trial account: Yes

Agicap is a SaaS solution from France that helps companies with liquidity planning and financial management. The software is aimed in particular at medium-sized and large companies that want to centrally manage their entire financial management in addition to classic cash flow planning. In addition to functions for the automatic recording and categorization of cash flows, Agicap enables individual adjustment to the respective business needs.

Strengths of Agicap:

• Holistic financial management: In addition to pure liquidity planning, Agicap also offers modules for credit card management, reminders and additional features such as cash pooling, making the tool suitable for companies that want to bundle their financial processes in a single platform.
• Flexibly expandable: Thanks to a modular structure, companies can only activate the functions they need, so that the software can be adapted to individual requirements and growth phases.

How much does Agicap cost?

Agicap's pricing is based on individual requirements and is in the higher segment, which can be a challenge for smaller companies and start-ups. In addition, many additional features are only available through paid modules and add-ons.

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4. Microsoft Excel

⭐️⭐️⭐️⭐️⭐️ 4.5/5

141 reviews on OMR

Prize: Starting at 5.60 €/ month

Demo: No

Free trial account: Yes, 1 month

Microsoft Excel is one of the most well-known spreadsheet programs and has been used for financial planning, analyses and calculations for decades. It is also used by many companies for liquidity planning. It allows you to manually record income and expenses, make forecasts, and analyze cash flows. However, using Excel for liquidity planning poses some challenges.

Strengths of Microsoft Excel:

• Flexibility and adaptability: Excel can be individually adapted for various financial processes. Users can use formulas, pivot tables, and charts to manually manage financial data.
• Distribution and compatibility: Seamless integration with other Microsoft products, such as Word, PowerPoint, and Teams, makes collaboration easy. Excel is also widely used, meaning that many companies are already familiar with the tool.
• Favourable pricing structure: Compared to specialized liquidity planning software, Excel is often a more cost-effective solution.

Weaknesses of Microsoft Excel:

• High manual effort: Data maintenance requires regular manual updates, which is time-consuming and prone to errors. A lack of automation makes efficient and dynamic liquidity planning difficult.
• No real-time overview: Financial data must be updated manually, and automatic synchronization with bank accounts or accounting systems is not possible. This makes planning difficult and requires constant manual adjustments.
• Lack of automation and vulnerability to errors: In contrast to specialized liquidity management tools, Excel does not provide built-in functions for automatic forecasting or simulations of liquidity developments. In addition, due to the large number of manual processes, formula errors or transcription errors can quickly creep in, which falsify the entire financial planning.

How much does Microsoft Excel cost

Excel can be purchased as a single product for 159€ or used as part of a Microsoft 365 subscription. The prices vary depending on the range of functions: The cheapest option — Microsoft 365 Business Basic — is available from €5.60 per month (when billed annually).

5. Helu

⭐️⭐️⭐️⭐️⭐️ 4.5/5

51 reviews on OMR

prize: On request

demo: No

Free trial account: Yes

Helu is financial planning and analysis software (FP&A) developed specifically for small and medium-sized companies and start-ups. The focus is on automating financial reports, integrating accounting systems and transparency across all financial indicators. The software enables companies to analyze their financial data in real time and make planning more efficient. Thanks to the seamless connection with DATEV and other systems, Helu makes controlling easier and supports companies with their long-term financial strategy.

Helu's strengths:

• Automated financial analysis and reporting: By automatically synchronizing with accounting systems such as DATEV, Helu reduces manual effort and enables detailed financial reports at the push of a button.
• Individual dashboards and customizable analysis options: Financial data can be organized in customizable dashboards and the most important KPIs can be visualized with widgets to make better decisions.
• Automation and less manual work: The software relieves companies of manual work through automatic reporting, account reconciliation and precise AI-based data analysis.

How much does Helu cost?

Helu sets the price individually depending on the company's requirements. Companies interested in an individual offer can contact Helu directly.

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6. Lucanet

⭐️⭐️⭐️⭐️⭐️ 4.3/5

11 reviews on OMR

prize: On request

demo: Yes

Free trial account:

Lucanet is financial software that helps CFOs and finance teams plan, consolidate and report their financial data. The solution is aimed primarily at medium-sized and large companies that need a central platform for their financial processes.

Lucanet's strengths:

• Efficient financial reporting: Lucanet enables structured and automated preparation of financial reports, including budgeting, variance analyses and forecasts. Thanks to an intuitive user interface, even users without in-depth IT knowledge can quickly use the software.
• High flexibility in data integration: Lucanet provides a versatile connection to various accounting and ERP systems, including SAP S4/Hana. Companies can flexibly import and process financial data, which makes detailed and individual financial analysis easier.
• Comprehensive forecasts: Lucanet offers dynamic planning functions that enable companies to simulate scenarios, evaluate investments and identify financial risks at an early stage.

How much does Lucanet cost?

Lucanet offers the packages Basic, Advanced and Professional, which vary in terms of features and support. The prices are individually adjustable and are only available on request.

7. TRESIO

⭐️⭐️⭐️⭐️ 4/5

3 reviews on Trustpilot

prize: Starting at 35.00 CHF/ month

demo: Onboarding service

Free trial account: Yes

Tresio is liquidity management software from Switzerland, which is particularly suitable for companies with Swiss bank accounts and helps analyze and forecast cash flow. The software enables seamless integration of bank accounts and connection to several billing systems. A multi-banking function ensures that all relevant account movements are visible in one place — even across multiple currencies.

Tresio's strengths:

• Comprehensive scenario planning: Tresio makes it possible to create and compare “what-if” scenarios in order to assess the financial impact of various business decisions — such as cost reductions or new hires — in advance.
• Central bank connection: The tool offers a multi-banking interface to provide a daily overview of all transactions and balances — including in various currencies, including cryptocurrencies.
• Flexible data import: Tresio allows you to import financial data both via API integrations and manual file uploads (CSV, Excel, FTP). This allows companies to easily connect their accounting systems.

How much does Tresio cost?

Tresio offers various pricing models based on company size and range of functions. The packages start at 39 CHF per month when paid annually. All three packages include an onboarding service.

8. companyon

⭐️⭐️⭐️⭐️⭐️ 4.9/5

7 reviews on OMR

prize: Starting at 69,00 €/ month

demo: Yes

Free trial account: Yes, 14 days

companyon is software for financial planning, controlling and liquidity management, which is aimed specifically at small and medium-sized companies. The tool offers functions such as budget planning, key figure analysis, BWA, target/actual comparisons and liquidity forecasts. In addition to automated analyses, companyon also creates scenarios such as best and worst case forecasts.

Companyon's strengths:

• Automatic liquidity forecasts: The software analyses actual and planning data to create liquidity forecasts. This gives companies an early overview of their future solvency.
• Easy to implement: The tool can be set up within a few minutes and is particularly user-friendly, even for companies without extensive controlling experience.
• Graphic analyses and visualization: Financial data is automatically converted into charts and reports, which makes it easier to intuitively evaluate company figures.

What does companyon cost?

companyon provides four different packages, starting with the basic package from 69,00€ per month with annual payment. There are also Professional, Expert and Premium plans, which include additional features and adapt to the needs of growing companies.

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9. finban

⭐️⭐️⭐️⭐️⭐️ 4.8/5

11 reviews on OMR

Prize: Starting at 26.25 €/ month

Demo: Yes

Free trial account: Yes, 14 days

finban is financial planning software founded in 2023 that is specifically tailored to the needs of SMEs, start-ups, agencies and SaaS companies. The tool enables efficient liquidity planning and management, offers automated analyses and is a user-friendly alternative to classic Excel spreadsheets.

Finban's strengths:

• Flexible scenario planning: Companies can simulate various scenarios and check their effects on liquidity — ideal for planning investments or minimizing risks.
• Automated analytics & AI-powered assistant: The “finbot” digital assistant continuously analyses financial data, creates individual reports and issues alerts in the event of irregularities or financial bottlenecks.
• Easy operation & intuitive visualization: Through a Kanban view and a tabular presentation, users have an overview of all financial figures and can implement plans without in-depth financial knowledge.

How much does Finban cost?

Finban offers three pricing models, starting with the starter package from 26.25€ per month (when paid annually), which comprises a user, a bank connection and an organization. The business and professional packages offer additional features such as extended user access, multiple bank connections and more detailed financial reports.

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10. board

⭐️⭐️⭐️⭐️⭐️ 4.7/5

30 reviews on OMR

Prize: On request

Demo: Yes

Free trial account: No

Board is a comprehensive platform for business intelligence (BI), analytics, and performance management, which also offers cash flow and liquidity management features. The software is aimed in particular at larger companies in industries such as finance, retail, supply chain, sales and human resources. It can be used both as a cloud and as an on-premise solution.

Board's strengths:

• Flexible data integration: The tool makes it possible to integrate various data sources, creating a central, consolidated financial overview.
• Comprehensive BI and financial planning capabilities: Board combines performance management, reporting, and financial analysis in one tool so that companies can strategically manage their liquidity.
• Simulate business scenarios: Companies can model various financial scenarios in order to identify potential effects on liquidity at an early stage.

That costs Board?

The prices for board are not publicly available and must be requested individually. They depend on factors such as company size, desired range of functions and integrations. Interested companies can test a demo version or contact sales directly to receive a tailor-made offer.

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3 tips: How to find the right liquidity planning software

Which software is right for you depends on what requirements you place on the tool and what services your company requires. There is no such thing as the right software — to make your decision easier, we have summarized useful tips to help you make your choice:

1. Define exactly what you want to use the software for

If you focus on liquidity management, scenario planning, and a real-time overview of your payment flows, a tool like Tidely is particularly suitable. These solutions help you identify financial bottlenecks at an early stage and manage your liquidity management efficiently.

If you are looking for a holistic financial planning tool that covers not only liquidity forecasting, but also controlling, accounting or budgeting, Lucanet, Helu or companyon is the right choice for you. These tools provide additional features for profit analysis and planning. However, liquidity planning & management are generally less sophisticated than with specialized tools such as Tidely.

2. Consider your company size

The requirements for liquidity management software vary depending on the size of the company. Solutions such as Tidely are particularly suitable for SMEs and start-ups, but also for scale-ups, as they are user-friendly, can be quickly implemented and a good value for money offer. Agicap is an alternative for companies that are looking for additional functions such as cash pooling, dunning and credit management in addition to pure liquidity management and are willing to dig deeper into their pockets to do so.

3. Support and individual advice as an important factor

A Good support is particularly importantwhen you set up the tool for the first time. Especially in this regard, Tidely is a good alternative to Commitly. Because Tidely stands out in this area through personal onboarding, personal support via chat, email or even telephone (depending on the package). Customers also benefit from video tutorials and an extensive knowledge database.

Conclusion: Which cash flow software is right for you?

For all small and medium-sized companies that have a user-friendly, transparent and cost-effective solution looking for their liquidity management is Tidely the right choice. With Tidely, companies get what they need — easily and without hidden costs.

In contrast to other tools, we attach particular importance to not leaving you alone. With our personal support, intuitive operation and by focusing on the essentials, Tidely is the ideal solution for SMEs, start-ups, scale-ups and project-based business models.

If you're willing to pay a higher price for your business and need features that are available via the Liquidity management and planning could go beyond Agicap an alternative be.

Ultimately, choosing the right liquidity planning software depends on your individual requirementsn off. Tidely offers a structured, powerful and at the same time cost-effective solution that takes your liquidity management to a new level — simple, professional and stress-free.

Try Tidely now for 7 days for free and benefit from efficient and transparent financial management!

Request a test account now!

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Note: This industry is developing rapidly, meaning that the prices and service details of providers can change at any time. If you notice a discrepancy or an error, we would be happy to hear from you — we will then update the information as soon as possible. contact form.‍

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FAQ

When does liquidity planning make sense?

Liquidity planning makes sense in order to identify financial bottlenecks at an early stage, to manage investments in a targeted manner and to remain solvent at all times. Especially SMEs and growing companies benefit from structured planningto minimize unforeseen risks and make strategic decisions on a solid financial basis.

Who is Tidely for?

Tidely is ideal for small and medium-sized businesses as well as growing companies that have a simple and effective solution for your liquidity planning search. With intuitive operation, real-time data and scenario planning, it helps to identify financial bottlenecks at an early stage. Companies without their own financial team in particular benefit from the structured and easy-to-understand application and comprehensive support.

Which tool is Tidely an alternative for?

Tidely is especially for SMEs A strong Agicap alternativebecause it is easier to use and significantly less expensive. If you don't want to pay for numerous additional functions that you don't even need, Tidely is an ideal solution. Tidely is also a Commitly alternativebecause both tools are structured in a similar way. However, Commitly is leaner and more focused on financial professionals, while Tidely impresses with a more user-friendly interface, personal onboarding, and additional support.

Which software do SMEs use for liquidity planning?

SMEs often use for their liquidity planning Software solutions such as Tidely or Commitly, as they are easy to use and enable rapid implementation. Finban or Companyon are also suitable for small and medium-sized companies, as they offer easy financial planning. For larger companies or more complex financial structures, Agicap, Lucanet or Board are the better choice.

Which liquidity planning software is free?

Some providers offer free trial periods or Excel templates available, which are sufficient for simple planning. However, they offer no real-time data and require manual updates, which is time-consuming and prone to errors. Anyone looking for a professional solution with automated data update should rely on specialized tools with an inexpensive cost structure.

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