Cash flow and financial planning software compared: the best tools for companies

For a company’s long-term success, precise financial planning and always up-to-date cash flow planning are the foundation of success and stability. In economically uncertain times in particular, entrepreneurs should have an overview of liquidity, income and expenditure at all times. Digital solutions offer valuable support here and, above all, relief. The market for financial planning and cash flow software is, however, varied and hard to survey. The available tools often differ considerably in their range of functions and set different priorities – from short-term liquidity management through to comprehensive strategic financial planning.

To make it easier for companies to choose the right solution, it makes sense to divide these software solutions into three central areas:

• Planning liquidity and cash flow: software aimed at securing solvency in the short term, helping to monitor cash flows and to identify financial bottlenecks early.
• Financial planning in the narrower sense: financial planning software for the strategic planning of the profit and loss account (P&L) and the balance sheet, providing a sound basis for decisions on long-term corporate strategies.
• Analysis tools: solutions for evaluating company key figures (KPIs), for detailed reporting and for supporting financial decisions.

This structure allows a clear, practical comparison of the most important providers. Based on OMR reviews (as of September 2026), we give a transparent overview of the best-known tools in the area of financial planning software and show which solutions suit which requirements.

The cornerstones of financial planning

Before we come to the comparison of different financial planning software, we would first like to look at the basic building blocks of successful planning. Only if you understand which areas interact can you select the right solution for your business in a targeted way. These fields are closely linked and together they form the foundation of solid corporate management.

Liquidity and cash flow planning

Cash flow planning focuses on solvency in the short and medium term. Companies monitor their incoming and outgoing payments to make sure that sufficient liquid funds are available at all times. Precise cash flow planning helps to identify financial bottlenecks early and to counteract them strategically. This is of great importance especially for small and medium-sized companies in order to ensure operational stability.

Financial planning in the narrower sense (P&L and balance sheet planning)

While cash flow planning primarily secures solvency in the short term, financial planning in the narrower sense concentrates on managing financing and investment decisions in the medium to long term. The profit and loss account (P&L) and balance sheet planning are components of comprehensive corporate planning. The P&L sets income against expenses in order to assess the company’s performance. The balance sheet shows assets and liabilities and thus forms the basis for strategic decisions. Both instruments are important for a sustainable financial strategy.

Analysis tools: KPIs and reporting

Meaningful data is indispensable if you want to make well-founded decisions. Analysis tools support companies in evaluating important key performance indicators (KPIs) such as revenue growth, profit margins or liquidity reserves. Supplemented by professional reporting, these tools enable a structured assessment of company performance and create transparency for all decision-makers.

How modern cash flow management software supports businesses

Digital solutions are indispensable today for managing complex financial processes efficiently. Modern financial planning software helps companies monitor cash flows, plan financial developments and take well-founded decisions. The various tools set different priorities, geared specifically to the individual needs of companies.

COMMITLY, for example, takes you from plan to payment: cash flow planning with rolling forecast, scenarios and plan-actual comparison, plus invoice approval and payment in one system. Other tools place their focus more strongly on strategic financial planning or on analysis and reporting functions. These different orientations do not mean that one system is more comprehensive or better than another – rather, they serve different requirements.

In the following we would like to introduce some of the best-known tools and financial planning software in these areas. We follow the solutions presented and rated on OMR Reviews.

Financial planning software for cash flow and liquidity planning

Here we present three solutions in detail. Fifteen vendors side by side, with sources and dates, can be found in our vendor list for cash flow planning software.

COMMITLY

COMMITLY is the cash flow platform for SMEs in the EU that takes you from plan to payment: a professional, easy-to-use planning system with rolling forecast, scenarios and plan-actual comparison, plus invoice approval and payment — as a SEPA XML file, via Pay by Bank or EBICS. Bank accounts and accounting are connected through integrations, and there has been an open API since 2022. COMMITLY is certified to ISO/IEC 27001:2022 and hosted in Germany. Pricing is fair and transparent: from EUR 55 a month, with attractive discounts on 12- and 24-month terms.

On OMR Reviews, COMMITLY has a score of 4.8 from 141 reviews and is at or above the category average in all four sub-categories.

Agicap

Agicap describes itself as treasury management for mid-sized companies, with its own offers for smaller businesses. The software connects bank accounts and ERP systems, plans cash flow with scenarios and offers modules for payments and receivables management. Agicap’s prices are on request.

On OMR Reviews, Agicap has a score of 4.6 from 169 reviews.

Tidely

Tidely is a cash flow planning tool from Munich, with plans ranging from freelancers to large groups of companies. The software plans cash flow from bank and accounting data, with scenarios and AI-supported forecasting. Plans start at EUR 55 a month.

On OMR Reviews, Tidely has a score of 4.5 from 145 reviews.

OMR reviews compared directly

Rating on OMR Reviews	COMMITLY	Agicap	Tidely	Category average
Overall score	4.8 (141)	4.6 (169)	4.5 (145)	–
Ease of use	92 %	91 %	91 %	92 %
Customer support	97 %	95 %	93 %	95 %
Meets requirements	94 %	92 %	89 %	93 %
Ease of setup	93 %	85 %	88 %	89 %

Table: OMR Reviews, category cash flow planning, as of 28.09.2026. Number of reviews in brackets.

Conclusion: the scores rest on different numbers of reviews, but they show a clear picture.

• On ease of use, all three are close to the category average.
• On customer support and meeting requirements, COMMITLY is above average, Agicap just below and Tidely below.
• The biggest difference is ease of setup: COMMITLY 93 %, Tidely 88 %, Agicap 85 % — against an average of 89 %.
• In the overall score, COMMITLY leads with 4.8 ahead of Agicap (4.6) and Tidely (4.5).

Software for financial planning in the narrower sense (P&L and balance sheet planning)

Adam

Adam is a controlling platform for service companies that combines reporting, KPIs and integrated planning of profit and liquidity, and adds personal finance sparring. Adam is aimed at companies with annual revenue from around EUR 500,000 and, according to the provider, costs between EUR 299 and EUR 1,549 a month.

Helu

Helu from Vienna offers financial planning and controlling for finance teams and CFOs, based on accounting data from DATEV. Helu’s prices are on request.

Lucanet

Lucanet (formerly LucaNet) from Berlin has become the “CFO Solution Platform”: consolidation, financial planning, forecasting and an area for banking and cash management. Lucanet is aimed at mid-sized companies and corporations and cites more than 6,500 customers. Prices on request.

Board

Board combines financial and operational planning on one platform, with P&L and balance sheet planning, scenarios and AI functions. Board runs in the cloud or on-premise and is aimed mainly at larger companies. Prices on request.

Companyon

Companyon is controlling software for the self-employed up to mid-sized companies, based on the trial balance from accounting. It creates P&L and balance sheet plans and simulates scenarios. Plans start at EUR 69 a month.

Analysis tools: KPI evaluation and reporting

re:cap

re:cap repositioned itself in August 2026 around the question of how much capital a company can raise. Alongside cash flow planning and KPIs, re:cap brokers financing but, according to the provider, does not lend itself. It targets growing SMEs with annual revenue from EUR 250,000; the entry plan is free, the Pro plan starts at EUR 79 a month.

Jedox

Jedox is a platform for planning, budgeting and consolidation with AI functions. Liquidity is derived from the P&L and balance sheet. Jedox is aimed at mid-sized companies and corporations; prices on request.

SWOT Controlling

SWOT Controlling combines classic financial analysis with controlling and reporting for companies of any size. Prices on request.

Software	Focus	Target group	Entry price per month in EUR
COMMITLY	Cash flow planning, invoice approval and payment	SMEs in the EU, up to groups of companies	55, discounts on 12 and 24 months
Agicap	Cash flow planning and treasury	Mid-sized companies	on request
Tidely	Cash flow planning	Freelancers to groups of companies	55
Adam	Controlling and planning with finance sparring	Service companies from approx. EUR 500,000 revenue	299
Helu	Financial planning and controlling	Finance teams and CFOs	on request
Lucanet	Consolidation, planning, cash management	Mid-sized companies and corporations	on request
Board	Financial and operational planning	Mainly larger companies	on request
Companyon	Controlling and planning	Self-employed to mid-sized companies	69
re:cap	Cash flow planning and financing	Growing SMEs from EUR 250,000 revenue	0, Pro from 79
Jedox	Planning, budgeting, consolidation	Mid-sized companies and corporations	on request
SWOT Controlling	Controlling and reporting	Companies of any size	on request

Table: as of September 2026, prices as stated by the providers, mostly excluding VAT, for the smallest plan. Details and sources for most providers can be found in our vendor list.

Which financial planning software is the best?

There is no one-size-fits-all answer to the question of the “best” financial planning software. Every company has different requirements, processes and priorities, so the ideal solution always depends on the individual circumstances. What matters is that the tool covers a company’s specific needs and fits into existing structures.

The tools have different focuses: cash flow planning, P&L and balance sheet planning, consolidation or KPIs. If what you mainly need to know is whether the money will last, you need cash flow software with bank connections and open items. If you also want to approve and pay invoices without introducing a second tool, ask exactly that — providers differ widely here.

So the rule is: the best financial planning software is the one that fits your goals, your industry and your processes. We have summarised which questions to put to every provider in ten questions for every demo.