Integrated, customized, intelligent: Cash flow plan less than a day, a day-by-day overview, a 13-week forecast, and plan-vs.-actual monitoring—all in one solution.
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COMMITLY is the cash flow platform for small and medium-sized businesses. You get Cash flow planning, a 13-week forecast, and plan-vs.-actual monitoring all in one platform—without Excel, and with direct banking data from over 5,000 banks across Europe.
COMMITLY integrates with your existing systems instead of replacing them. Over 5,000 banks via regulated interfaces—secured with multiple multi-aggregator banking APIs. Accounting systems such as DATEV, lexoffice, and weclapp. Payment service providers, CRM systems, and ERPs from your existing stack.
Are you building your own financial or reporting logic? Use COMMITLY as a reliable banking and forecasting backbone: via the COMMITLY API, via Zapier and Make.com — or directly via MCP for AI workflows with Claude, ChatGPT, or your own models. You keep your custom solution and delegate banking, compliance, and forecasting standards to the platform.
With COMMITLY, you can create your complete Cash flow plan Excel. You connect your bank accounts via regulated interfaces—transactions from over 5,000 banks in the EU are automatically imported and categorized using COMMITLY Smart Mapping. AI-powered with human oversight: You remain in control, while the AI does the work for you.
Plan independently of accounting logic. Multi-year planning, forecasts, scenarios, and plan-vs.-actual comparisons—all from a single source. Those who plan with Excel today typically save 2–4 days of work time per month.
The COMMITLY Liquidity Overview shows you, down to the day, where your company stands financially. Bank accounts, credit lines, open items, and scheduled payments are all displayed in a consolidated dashboard. Synchronized up to four times a day via the regulated PSD2 interface.
Those who have the big picture can take control. Those who don't end up reacting to bottlenecks—usually too late.
The liquidity forecast in COMMITLY operates across multiple time horizons: a short-term 13-week forecast for operational management, and a medium-term forecast covering 90–360 days for investment and financing decisions. Both are based on the same data and update automatically.
Rolling instead of fixed. COMMITLY updates the forecast period daily without requiring you to extend it manually.
Automatic plan-vs.-actual comparison based on your actual data. COMMITLY shows you, down to the day, where your cash flows deviate from the plan—by category, with drill-down capabilities, and with filters by category or time period.
COMMITLY's Cash Flow Units make all the difference: You can compare budgets and actual figures in terms of both amount and scheduled payment date. You can see timing variances—late payments, early expenditures—just as precisely as the amount of the variances.
From your baseline plan, you can derive as many scenarios as you like—best-case, worst-case, investment scenario, bank meeting. Each scenario has its own forecast and its own visualization. No duplicate Excel files, no version chaos.
The rolling forecast is the operational standard. COMMITLY calculates it on a rolling basis, updating it daily. For longer time horizons, COMMITLY maps out the plan across multiple quarters or years.
Instead of a static Excel template, COMMITLY provides a pre-designed structure with categories, accounts, and forecasting logic. The template populates automatically with data from your bank accounts. Your Cash flow plan ready to use in less than a day.
Unlike an Excel template, your COMMITLY plan doesn't need to be updated manually. It stays up to date automatically. You can customize the best-practice structure to fit your business—new categories, subcategories, custom reporting—all without complicated formulas.
Bottlenecks don't happen overnight—they give advance warning. Those who spot them early can take action: postpone investments, draw the line, talk to the bank. Those who don't see them have no options left.
And that's not just a liquidity problem, but a liability issue.
If you want to save time and get away from Excel spreadsheets, this is the software for you. I have not found anything better.
Managing Director BMU Veranstaltungstechnik
Why an Excel cash flow analysis is superfluous! No more manual Excel sheets and thus the effort is significantly reduced. In addition, the quality of the figures increases significantly and provides security in this sensitive topic.
Managing Director Bimanu
How to connect COMMITLY with lexoffice? Honestly, I can only remember darkly. You just have to go to integrations in COMMITLY settings, click a button for "connect lexoffice" and log in to lexoffice as usual. That's it.
GF Pro.Tec Solutions
Before using COMMITLY, we tested and checked various liquidity planning tools. With COMMITLY, we now have the figures in our own hands and can categorize them independently of the DATEV chart of accounts and in a more fine-grained way. This makes it easier for us to identify deficits and opportunities.
CEO, Managing Director Mate IT GmbH
Super Cash flow planning tool. COMMITLY helps us with decision-making and planning. Can we afford new employees, purchases or projects? COMMITLY answers these questions quite reliably.
Head of Finance GDW Global Digital Women GmbH
Best tool for Cash flow planning and company lifesaver. Commitly helps us to plan our financial scope at all times. The intelligent forecasts and the direct link to our accounting are particularly great.
Managing Director huhuco UG
For us, the best choice for Cash flow planning. At Modoplus, we value clear tools that significantly increase day-to-day efficiency - we found what we were looking for at Cash flow planning with COMMITLY. It's clear to see that the tool was developed by people who know and understand the challenges of financial planning for young companies.
Founder & CEO Modoplus GmbH
Seven quarters as the OMR leader. 140+ reviews. 4.8 out of 5 stars. 97 percent positive.
Business owners, finance leads, and law firms in German-speaking countries use COMMITLY for cash flow forecasting, budget vs. actual comparisons, and bank integration. As a result, COMMITLY has the highest customer rating among the leading cash flow planning tools in the DACH region.
Get an introduction to COMMITLY's planning system—whenever you want and whenever you have time!
What You Can Count On with COMMITLY
For seven consecutive quarters, COMMITLY has been the OMR leader in Cash flow planning a rating of 4.8 out of 5 stars based on 140+ verified reviews and 97 percent positive sentiment. This makes COMMITLY the highest-rated provider in the category.
COMMITLY calculates cash flow using the direct method, in accordance with IAS 7. This ensures you meet the standards expected by auditors, banks, and investors. Ideal for financing discussions and strategic reporting.
COMMITLY connects to over 5,000 banks in the EU via regulated interfaces. A multi-aggregator setup with various providers ensures you have the widest possible bank coverage. All interface providers are regulated by BaFin.
COMMITLY AI automatically generates your forecast—you retain control over the rules and exceptions. No black-box forecasts, no uncontrolled AI decisions. The AI takes the work off your hands; you make the decisions.
COMMITLY is ISO 27001:2022 certified. Regular audits ensure compliance with and the ongoing improvement of security standards. Data protection in accordance with the GDPR. Compliant with the EU AI Act. Hosted in Germany. Transmissions are encrypted using 256-bit SSL.
Cash flow planning software is a digital tool that lets you plan, forecast, and manage your revenue, expenses, and cash balances. Unlike Excel, cash flow planning software like COMMITLY automatically processes real-time data from your bank and accounting systems, generates forecasts without manual data entry, and enables scenario planning and plan-vs.-actual analysis all within a single interface.
A daily liquidity overview shows your company’s current liquidity status on a daily basis, consolidated across all bank accounts, credit lines, and open items. It includes customer payments, salaries, supplier payments, loan repayments, and all other financial obligations. In COMMITLY, the cash flow overview updates automatically with every new bank transaction—up to four times a day—without requiring manual updates.
A cash flow forecast helps you predict and plan your cash flows over a specific period—typically the next 90 to 360 days. It safeguards your ability to meet payment obligations, identifies liquidity bottlenecks early on, and provides you with the foundation to recognize and capitalize on investment opportunities. Proactive Cash flow planning with effective financial management, ensures your company’s financial stability.
A rolling liquidity forecast is dynamic. Instead of covering a fixed time period (e.g., a fiscal year), it updates continuously. It adapts flexibly to new information and automatically extends the forecast period on a daily basis. You always plan ahead for the coming weeks or months without having to manually extend the plan. COMMITLY offers rolling forecasts as a standard feature.
The variance analysis in Cash Management compares planned cash flows with actual transactions—by category and with drill-down capability. In COMMITLY, this target-actual comparison runs automatically based on bank data. In addition to amount variances, you can also see timing variances: late payments, early expenditures. Using COMMITLY’s cash flow units, you can drill down into the details of each individual transaction.
Forecast accuracy depends on data quality. With proper management of open items and a fully integrated banking connection, forecast accuracy over 13 weeks is typically 90 percent or higher. For medium-term forecasts spanning 12 to 24 months, scenario ranges are a better approach than point forecasts. COMMITLY AI automatically provides best-case, worst-case, and median forecasts for medium-term planning.
COMMITLY connects to over 5,000 banks across Europe via regulated interfaces (multi-aggregator banking with various licensed bank API providers). On the accounting side, DATEV, lexoffice, weclapp, and other systems are integrated. You can integrate any other systems via the COMMITLY API and Zapier or Make.com. With the MCP Server (COMMITLY AI Connect) extension, COMMITLY can also be directly integrated into various AI models, custom workflows, and chatbots.
All data is stored in a highly secure AWS data center in Germany. COMMITLY is ISO 27001:2022 certified, GDPR-compliant, and EU AI Act-compliant. Interfaces with banks are handled exclusively through providers regulated by BaFin. The AI components operate using a human-in-the-loop approach—no black-box decisions.
COMMITLY exports your cash flow plans and reports as PDF, XLSX, or directly via the API. You can create custom dashboards, highlight key metrics, and share reports with management, the advisory board, banks, or investors—all from a single interface. By integrating with the MCP Server (COMMITLY AI Connect), COMMITLY can also be directly embedded into various AI models, custom workflows, and chatbots.
No. COMMITLY is designed so that business owners, financial managers, or self-employed individuals can use the tool on their own. If you work with a tax advisor or accounting firm, you can use COMMITLY in multi-client mode—your advisor will be assigned their own roles and permissions without disrupting your workflow.
Yes. For corporate groups and holding companies, COMMITLY provides a consolidated liquidity overview across multiple clients, banks, and accounts in a single view. You can manage roles and permissions in granular detail down to the category level. Drill down from the group-wide overview to individual subsidiaries, and from cash status to individual transactions.
Treasury management systems such as Nomentia, Kyriba, TIS, and GTreasury are designed for large corporations with complex cash pooling, hedging, and multi-currency requirements. COMMITLY is the operational cash flow platform for small and medium-sized businesses—focused on Cash flow planning, forecasting, and controlling, without the need for an ERP project or five-figure implementation costs. It’s also not an ERP replacement: DATEV, lexoffice, and similar systems remain the data sources, while COMMITLY serves as the planning and control layer on top of them.