Comparison: 9 Tidely alternatives you need to know

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

Following, we compare this Tidely alternatives:

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

What you should consider when choosing a Tidely alternative

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

What do I need the software for?

Choose software that meets your unique needs. Startups have different requirements than large enterprises, and finance teams require in-depth analyses that go beyond the key metrics management focuses on.

Take the time to identify what truly matters for your business, and make sure the features you choose align perfectly with those needs.

How time-consuming are onboarding and maintenance?

From our conversations with customers, we’ve learned that onboarding with some providers can be a lengthy and resource-intensive process, often taking 2-3 months to implement. However, the payoff is a robust set of features.

Before diving in, it’s crucial to assess the onboarding timeline and requirements: will it be a quick setup, or will it take weeks to start generating valuable insights?

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

Do I need all the features that the software offers?

More features often come with higher costs. This can lead to paying for capabilities you never use.

How is data quality ensured?

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

What are Tidely 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 trusted tool for organizations of all sizes. Its flexibility as a spreadsheet and data analysis platform has made it a popular choice for managing cash flow and budgets.

Yet, while Excel excels at many tasks, it has clear limitations when used for advanced cash management and financial planning.

Microsoft Excel pricing

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

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

Key features

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

When it comes to cash management, this approach has its drawbacks. Excel isn’t designed for effective liquidity management or financial planning.

Key features are missing: you can’t automatically link bank accounts, so you must enter account balances manually, which is time-consuming and error-prone. Without real-time visibility into your transactions, liquidity planning and forecasting become challenging.

Additionally, maintaining and updating your planning data manually means you risk losing information from previous scenarios.

Summary Microsoft Excel

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

Commitly

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

Commitly pricing

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

• Basic: €45.83 per month (annual billing)
  • Bank account connections: 1
  • Number of users: 1
• Professional: €70.83 per month (annual billing)
  • Bank account connections: 3
  • Number of users: 5
• Business: €120.83 per month (annual billing)
  • Bank account connections: 8
  • Number of users: 8

Key features

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

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

Summary Commitly

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

Atlar

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

Atlar pricing

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

Key features

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

Atlar summary

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

Finban

Finban is an alternative to Atlar, designed to be adaptable to various business needs. It is financial planning software specifically tailored for agencies, SMEs, startups, and SaaS companies.

Powered by finbot, an intelligent personal assistant, the platform provides actionable insights. It analyzes your data, generates customized reports, offers recommendations, and alerts users to any irregularities or potential concerns.

Finban pricing

Finban offers three pricing plans, each including a 14-day free trial and the flexibility to upgrade at any time. All prices are exclusive of VAT. The features and bank connection limits vary depending on the chosen plan.

• Starter Plan
  • Monthly payment: €35 per month
  • Annual payment: €26.25 per month
  • 1 bank connection
  • 1 user

• Business Plan
  • Monthly payment: €65 per month
  • Annual payment: €48.75 per month
  • 3 bank connections
  • 5 users

• Professional Plan
  • Monthly payment: €120 per month
  • Annual payment: €90 per month
  • 10 bank connections
  • 10 users

Key features

Finban offers streamlined financial planning and cash flow forecasting for businesses. It helps address important questions, such as: What happens if we don’t acquire new customers? Can we hire additional employees? How will tax payments impact our business? The key features include:

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

Finban summary

Finban is a financial planning tool designed to support agencies, SMEs, startups, and SaaS companies. It uses finbot, a smart personal assistant, to automatically analyze data, generate tailored reports, provide actionable insights, and notify users of potential issues.

Finban offers flexible pricing plans with a 14-day free trial and the option to upgrade. Its core functionalities include cash flow management, scenario planning, budget planning, analytics, and personnel forecasting.

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.

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Summary: 9 Tidely alternatives in 2025

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

Functionality vs. Pricing

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

Onboarding and usability:

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

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