Comparison: 10 cash management software you need to know in 2025

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

Seeking a swift and comprehensive comparison of cash management software providers, including their pricing and features? Our handy spreadsheet delivers what you need. 

Designed for clarity and ease of use, it helps you make well-informed decisions and share insights with your team and management. Discover a side-by-side comparison of leading cash management software options. Please let us know, if you spot a mistake.

What should you consider when choosing software for cash management?

An effective cash management software does more than showcase impressive features. It delivers concrete benefits that extend beyond data collection and visualization. To find the best tool for your needs, consider these essential questions:

For what purpose do I need the cash management software?

Cash management software comes in different forms, each tailored to different needs. Some solutions cater to large, established companies with complex financial structures, while others are crafted for startups, where founders often handle cash management personally.

To find the ideal software for your needs, evaluate your specific requirements. Determine if the features align with your current needs or if you require a more specialized or comprehensive solution. You should watch out for these features:

• Cash flow forecasting
• Liquidity management
• Real-time data connections
• Multi-bank connectivity
• Simple and well structured dashboards
• Reporting

How complex are onboarding and maintenance?

Cash management software that takes weeks or months to onboard and demands constant maintenance isn't what you need. Look for a solution that integrates data sources in minutes and operates effortlessly.

Seek out a data integration system that is swift, precise, and fully automated, so you can concentrate on what matters.

Do I need all the features that cash management tool offers?

In the world of software, more features often mean a higher price. A free trial lets you assess whether you need all those extra functionalities or if the software is more complex than required for your purposes. Ideally, you want to avoid investing thousands of euros in software and only use a fraction of its capabilities.

How is data quality ensured?

The success of cash management software relies heavily on the precision of its data. For a solution to truly excel, it must go beyond merely classifying transactions. It should seamlessly handle data cleansing, validation, and enrichment.

Without these essential features, even the most advanced software may not deliver the needed results.

Overview: Top 10 cash management software

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 an ally for start-ups, SMEs, and large corporations alike. Beyond performing calculations and generating charts, you can use Excel also for cash management.

Microsoft Excel pricing

With Excel, you have two choices: use it as a standalone application or 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 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 management solution.

Summary of Microsoft Excel

While Excel might suffice for basic cash management with a single account and a handful of transactions, it quickly shows its limitations as your financial landscape becomes more complex.

For more 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 management 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 have limitations, allowing for 1 and 5 bank accounts, and 1 and 2 users, respectively. To help you with your decision, Tidely provides a 7-day free trial, so you can explore their features before committing.

• Starter: €45 per month (billed annually)
  • 1 bank account connection
  • 1 user
• Professional: €85 per month (billed annually)
  • 5 bank account connections
  • 2 users
• Business: €215 per month (annual billing)
  • 10 bank account connections
  • 5 users
• Enterprise: Customized prices

What do companies use Tidely's cash management software for?

Tidely's cash management 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

Tidely simplifies cash management for businesses of all sizes, providing real-time financial insights and robust tools for liquidity planning, scenario analysis, and reporting.

With features like integrated data dashboards, team management capabilities, and seamless transaction handling, it’s a comprehensive solution for overseeing cash flow across diverse business structures.

Flexible pricing plans cater to varying needs, from small teams to large enterprises, with a 7-day free trial allowing potential users to explore its capabilities before committing.

Commitly

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

Commitly pricing

Commitly’s pricing depends 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's cash management tool 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 is the cash management software that helps SMEs and startups take control of their finances. Commitly adapts to businesses of all sizes, offering flexible pricing plans and features like bank integrations, cash flow tracking, and scenario planning. Its user-friendly tools simplify financial planning, consolidate data seamlessly, and empower teams with customizable permissions and approvals. Commitly turns complex financial management into effortless clarity.

Atlar

Atlar is cash management 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 Atlar does not offer a free trial. According to Atlar, implementation typically takes 2-3 months.

What companies use Atlar's cash management software for

Atlar’s cash management 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 of Atlar

With Atlar you access cash management 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 from Finban's software for cash management

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.

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'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: The 10 best cash management software

We’ve evaluated ten cash management software options, and benchmarked them against crucial criteria. Each solution presents strengths and weaknesses. To help you navigate these choices, you can use this comparison table, highlighting the key insights.

Our selection encompasses a range of options to suit both sophisticated needs and everyday simplicity. While some software packages offer a rich array of advanced features, they may require a more comprehensive onboarding process and a steeper learning curve.

Conversely, other solutions are designed for quick setup and immediate use, providing essential cash management through an intuitive interface.

Q&A: Cash management software

What is cash management?

Cash management is the process of monitoring, analyzing, and optimizing a company’s cash inflows and outflows to ensure liquidity, stability, and efficiency.

It includes:

• Tracking daily cash positions
• Forecasting future cash needs
• Managing bank accounts and transfers
• Timing payments and collections
• Making short-term investment decisions

In short, cash management helps businesses stay solvent, avoid cash shortages, and make smarter use of available funds.

What is cash management software?

Cash management software is a digital tool that helps companies control and optimize their cash position in real time.

It typically offers features like:

• Cash flow forecasting
• Payment and collection automation
• Bank account reconciliation
• Multi-bank visibility from one dashboard
• Scenario planning and liquidity insights

The goal? Reduce manual work, increase visibility, and make better financial decisions.