Comparison: 9 Atlar alternatives

We’ve created a handy overview spreadsheet that allows you to compare Atlar with its alternatives and competitors. This includes data on pricing, product features, and bank integrations. If you’re spotting a mistake, please let us know.

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

What to consider when choosing an Atlar alternative

While fancy features can be appealing, they’re only worthwhile if they truly add value. When evaluating cash management software or liquidity management software, consider the following:

What do I need the software for?

Choose software that fits your specific needs. Startups require different functionalities than large enterprises, and finance teams need distinct analyses compared to only looking at the most important numbers as management does. Identify your true requirements and ensure the features align with them.

How time-consuming are onboarding and maintenance?

From our discussions with companies, we know that onboarding with some providers is time-consuming and requires a lot of resources (implementation time is weeks or months).

However, it offers a wide array of features in return. Before committing, try to gauge the onboarding timeline and requirements: can it be completed in minutes, or will it take months to achieve the desired insights?

The same consideration applies to maintenance. Once your data sources are connected, everything should operate seamlessly without needing frequent adjustments.

Do I need all the features that the software offers?

More features often mean higher costs. This might result in paying for features you don’t use.

How is data quality ensured?

Even the best cash management software is ineffective if the data is inaccurate. Focus on how well the software classifies transactions and whether it offers data cleansing, validation, and enrichment features.

What are 9 Atlar alternatives?

re:cap

re:cap helps companies make better financial decisions and maximize their capital efficiency. They integrate analysis, forecast, and funding in one platform – the Capital OS. This ensures that financial operations and funding work as one.

The analysis part offers a real-time snapshot of all bank accounts and transactions and automatically categorizes your bank transactions. You'll get immediate access to crucial financial metrics, making it easy to generate reports for management and investors.

Plus, you can do a financial forecast and run simulations, including stress tests, to ensure you're ready for any scenario.

re:cap pricing

With re:cap, you can choose between two different plans: Essential and Pro.

Essential

• For free
• Real-time basics: cash flow, burn rate, runway 
• Access funding info and covenants
• One pre-defined long-term liquidity forecast

Pro

• Starts at €79 per month
• Full control: customizable dashboards & forecasts (weekly + monthly), unlimited scenarios
• Detailed cash flow & transaction analyses
• Covenant alerts
• Expert support

Funding (for both plans when funded):

• Flexible, non-dilutive credit line (€50K-€5M)
• Terms between 1-60 months
• No warrants, equity kickers, or personal guarantees

You can find all the information on our pricing page.

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

Key capabilities

Analysis

With Analysis, companies bring all their financial data in real-time into one place. They see cash balances, runway, and growth at a glance, track transactions across accounts, and understand where money flows. Benchmarks, capital needs, and a rating system show how fundable a company is and what to improve.

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

• With the cash flow statement, we automatically categorize all your transactions, making it easy for you to track all cash inflows and outflows.
• With the P&L statement, you can leverage real-time profitability analysis to stay updated and make optimizations.
• The runway analysis helps you to keep a close eye on your cash burn and runway to enhance your financial strategy and ensure better planning.
• Consolidation helps you to gain insights into liquidity across various levels, company structures, and entities.
• With Plan vs. Actuals, you can compare your business plan projections with actual results to spot deviations.
• You gain access to over 14,000 bank accounts, allowing you to view all your financial information on one platform.
• Get a complete picture: build your company reports on a comprehensive understanding of liquidity, customers, profitability, and financial health by connecting banking, revenue, and accounting data.
• Single source of truth: you’re always prepared to discuss financial metrics and answer any finance-related questions from your management team with confidence.
• Report better with less work: extract key business metrics that matter most to your investors and save time on repetitive manual investor reporting.
• Ensure financial precision: track revenue, costs, cash flow, and balances to ensure projected outcomes match reality. This sharpens your financial precision and enhances plan accuracy.

Forecast

With Forecast, companies plan short-term liquidity and long-term capital needs in one place. Using cash flow, invoices, actuals, and budgets, they create weekly and monthly forecasts, test scenarios, and add funding events to see the impact. This shows them clearly when capital is needed, what is possible with the funds available, or what kind makes sense.

It covers the following areas:

• Craft a forecast (short-term or long-term) based on historical data, with the flexibility to manually adjust and explore different scenarios.
• Get a clearer picture of how major decisions (funding, new hires, large expenditures, or mergers and acquisitions) could affect your cash flow.
• Conduct stress tests to see how key metrics perform under pressure, helping you pinpoint critical areas to address in your financial strategy.
• Assess how debt and equity investments influence your financial planning and liquidity.

What do companies use re:cap for?

Our customers use re:cap for different purposes:

• Get an instant, transparent view of account transactions and cash balances, automatically updated from your bank accounts.
• See all key financial metrics at a glance, whether for the entire organization or individual entities.
• Keep your management team and investors informed with critical metrics like burn rate, revenue growth, and cash balance.
• Spot opportunities to save money and cut costs.
• Monitor your budget closely and respond quickly to any deviations.
• Simplify budget planning with clear comparisons between business plan targets and actual performance.
• Plan your liquidity more precisely by creating customized scenarios to model and understand future developments.
• Conduct liquidity stress tests to see how various impacts affect other areas of your business.

Summary re:cap

With re:cap, you gain access to the Capital OS and can analyze and manage your, create forecasts to see what and how much funding you need, and directly access it.

Microsoft Excel

For over 30 years, Microsoft Excel has been a cornerstone for organizations of all sizes. As a versatile spreadsheet and data analysis tool, Excel is also used for cash management, though with limitations.

Microsoft Excel pricing

Excel offers two options: either you can use it as a standalone program or as part of Microsoft 365.

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

Key features

Excel has a wide range of uses and is often employed by companies to track incoming and outgoing payments and monitor budgets.

However, it’s important to note that Excel is a manual tool, which presents challenges for effective cash management. It lacks key functionalities needed for managing liquidity or creating financial plans.

For instance, Excel cannot automatically link to bank accounts, requiring manual entry of account balances and transactions. This process is time-consuming and increases the risk of errors.

Additionally, it does not provide real-time insights into cash flows, making liquidity planning and forecasting more complex. Updating existing plans manually while retaining data from previous scenarios adds further difficulty.

Summary Microsoft Excel

Microsoft Excel has long been a trusted tool for a variety of organizational tasks, including basic cash management. Its flexibility and affordability make it accessible, whether as a standalone program or part of Microsoft 365.

However, Excel's manual processes and lack of advanced features limit its effectiveness for comprehensive liquidity planning and real-time financial oversight. For businesses with complex cash management needs, dedicated financial software may offer a more efficient and accurate solution.

Tidely

Tidely is a cash management software for SMEs and large companies. With Tidely, you can manage your liquidity and keep an eye on your cash flow. The software offers a dashboard, cash forecasts, scenario planning, and reports.

Tidely pricing

Tidely's prices depend on the size of your company, the number of users, and bank accounts. You have four plans to choose from: Starter, Professional, Business, and Enterprise. There is a free trial period of 7 days.

• 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

Key features

Companies use Tidely's cash management software for various purposes:

• They get an overview of their liquidity and can manage it better.
• For liquidity planning and to run through various scenarios.
• To create financial reports.
• To manage complex structures at the team or company level.
• To connect all your bank accounts and ERP systems. 

Summary Tidely

Tidely is a versatile cash management solution designed to help businesses of all sizes efficiently manage their liquidity and cash flow.

The platform combines essential features like real-time dashboards, cash forecasting, scenario planning, and reporting tools, making it easier to streamline financial processes.

With flexible pricing tailored to company size, users, and bank account connections, Tidely offers plans ranging from the affordable Starter package to fully customized Enterprise solutions.

Companies use Tidely to gain better visibility into their finances, plan liquidity, and manage complex financial structures across teams and systems, all with the convenience of integrated bank and ERP connections.

Commitly

Commitly is a cash management software that allows you to create an overview of your cash flow and manage your company's finances. According to Commitly, the centerpiece of the software is the creation of forecasts. The software is primarily aimed at SMEs and startups.

Commitly pricing

Commitly's prices are based on the size of the company, the number of users, and bank accounts. There are three different plans: Basic, Business, and Professional. You can also test the software for 14 days free of charge.

• 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

Key features

Companies use Commitly to obtain a daily liquidity overview and to track deposits and withdrawals. They can also carry out cash flow planning and model various scenarios of how liquidity will develop.

• 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 is a cash management software designed to provide SMEs and startups with a comprehensive solution for tracking and managing their finances. It focuses on creating detailed cash flow forecasts, helping businesses gain real-time insights into their liquidity.

Commitly offers flexible pricing plans that cater to different company sizes and needs, with features like bank account integrations, cash flow monitoring, and scenario planning.

Its intuitive tools make it easier to plan, control, and consolidate financial data, while also fostering team collaboration through customizable permissions and approvals.

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

Finban Summary

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.

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's cash management tool 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 is built for enterprises managing cash across multiple entities and jurisdictions. It streamlines cash management with automation, real-time insights, and centralized control. This helps businesses stay ahead of financial risks.

Helu

Helu is a cash management 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's software for cash management

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 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 management 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's cash management 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.

Conclusion

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 companies use Nomentia's cash management tool 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 is a comprehensive liquidity and treasury management solution that helps businesses streamline payment and liquidity processes.

Summary: 9 Atlar alternatives to watch in 2025

We’ve evaluated five of the best alternatives to Atlar for liquidity management and financial planning. Each option has its unique strengths and weaknesses. Here’s a quick comparison:

• Functionality vs. Price: some tools offer extensive features at a higher price, while others prioritize simplicity and ease of use.
• Onboarding and Usability: some platforms require significant onboarding time, while others let you start quickly with minimal setup.
• Data connections: while some options offer unlimited number of (bank) accounts and users, others limit both based on the plan.

The most suitable cash management software for your business depends on several factors, including your specific use case, the level of complexity your financial processes require, and the nature of your business model.

Consider whether you need basic cash flow tracking or advanced features like scenario planning, real-time bank integrations, and detailed forecasting.

The size of your team, the number of bank accounts, and the industry you operate in are also key considerations when choosing the right software.