SOFTWARE COMPARISON

Cash flow software
compared

Q: Is there a good COMMITLY alternative?

Yes, and it depends on what you are missing. If you only want to see the balance and do not plan, online banking will do. If you want bookkeeping and statutory retention in one system, you need an accounting system such as DATEV, Lexware Office or sevdesk — COMMITLY is the stage before that. And for currency hedging, interest management or cash pooling across dozens of entities, specialised treasury systems exist.

Q: What sets COMMITLY apart from other vendors?

Unlike pure planning tools, COMMITLY does not stop at the forecast but takes you through invoice approval to payment. And unlike a business account with a forecast, its planning is a complete system with scenarios, open items from accounting and plan-actual comparison. In short: COMMITLY is the cash flow platform for SMEs in the EU that takes you from plan to payment.

Q: How many banks can COMMITLY connect?

Over 5,000 institutions across Europe via PSD2, in every edition. For companies with their own bank access, FinTS is added from the Business edition and EBICS as well — EBICS as an add-on in Business and Professional, included in Enterprise. The number alone is not a differentiator though — serious vendors sit at a similar level. The difference is that COMMITLY uses several regulated banking aggregators: if one aggregator's link to a bank fails, another can step in.

Q: Are scenarios and forecast paid extras at COMMITLY?

No. Rolling forecast, dynamic scenarios and plan-versus-actual are included in all four editions, as are the AI features. What differs between editions is volume: bank accounts, users and companies.

Q: Is COMMITLY GoBD compliant?

No, and that is not a shortcoming. The German GoBD rules apply to book-keeping systems; booking and statutory retention happen in your accounting system. COMMITLY is the upstream stage: supplier invoices are captured, run through the approval policy and go to accounting with their approval record. There is, incidentally, no official GoBD certification for software. What we can evidence is ISO/IEC 27001:2022, hosting in Germany and a data processing agreement.

Which solution fits you? Fifteen vendors with sources, ten questions for every demo, and the figures we can evidence.

Check for yourself

Figures, not tick boxes

COMMITLY is sometimes described differently elsewhere. These figures come from the product and from our pricing page.

5,000+ banks

Via PSD2 through several regulated banking aggregators, in every edition. FinTS from Business, EBICS as an add-on, included in Enterprise.

Planning in every edition

A professional planning system that is easy to use: rolling forecast, dynamic scenarios, plan versus actual. No surcharge.

Open items in the forecast

Receivables and payables with due dates, matched automatically against the bank, including partial and bulk payments.

From invoice to payment

OCR capture, approval policies with four-eyes rule, payment as a SEPA XML file, directly via PSD2 (Pay by Bank) or via EBICS.

ISO/IEC 27001:2022

Certified, hosting in Germany, data processing agreement on request.

From EUR 55 a month

Fair and transparent, with attractive discounts on 12- and 24-month terms. 14-day free trial, no credit card. See pricing

Vendor list 2026

Cash flow planning software: 15 vendors compared

Grouped by company size, no ranking
Cash flow planning and financial planning clearly separated
Every statement sourced from the vendor itself
Reviewed every quarter

To the vendor list

For the self-employed and small businesses

finban
Qonto
Trezy

For SMEs and mid-sized companies

Agicap
COMMITLY
Companyon
Embat
helu
re:cap
Tidely

For large corporations

Jedox
LucaNet
Nomentia
SAP
TIS

As of: 27 September 2026

Comparisons

COMMITLY and other vendors, side by side

Agicap vs. COMMITLY – a comprehensive comparison for professional cash flow planning

Tidely alternative: comparison, reviews and prices

Agicap alternative: professional financial management without overhead

Liquidity management software for mid-sized companies: what it does, what it costs, which providers count

Checklist for every demo

Ten questions that decide it

Put them to every vendor you look at. To us as well.

The fastest answer to all ten questions: your own figures. 14 days free, no credit card.

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Where do the actual figures come from?
From the bank account, or from a spreadsheet someone maintains? Anything entered by hand is stale between two meetings.
Do open items feed the forecast?
Without receivables and payables a plan is an estimate. With them it becomes a calculation.
Scenarios at no extra cost?
Can you run a scenario without overwriting the plan — and is that included in the price?
Is invoice approval part of it?
If not, you need a second tool and gain one more break in the chain.
Can you steer the cash flow too?
Meaning: trigger payments straight from the software instead of just watching? Otherwise you plan in one tool and pay in another.
What about several entities?
From which edition does the consolidated view exist, and what does it cost?
Can the software grow with you?
Do invoice approval, payments, cards or reports come as add-ons when your company grows — or does growth mean switching systems?
Is there an open API — and since when?
Publicly documented, read and write? Ask for the documentation and how long customers have been using it day to day.
How does the software use AI — and can your own AI connect?
Does the AI suggest and you approve, or does it decide on its own? And is there an MCP server that lets your AI assistant work directly with your financial data?
Which evidence exists?
A certificate has an issuing body and a scope. Everything else is self-declaration.

The honest flip side

When cash flow software is close to mandatory

Six situations where the question is no longer whether you need a tool, but which one.

You build Excel models at the weekend

And value your own time at zero. Price it at what it is really worth, and the software is always the smallest budget.

Someone on the team built a brilliant spreadsheet

Then your cash flow planning depends on one person. Who takes over when they are ill, on holiday or leave the company?

Someone built a cash flow tool with AI

Then you are now a software operator: bank connection, security, updates, data protection. AI makes building quick; running it stays with you. More on this: Build your own cash flow tool

Your business fluctuates strongly

Seasonal peaks, large single orders, long payment terms: then you need precise planning so you do not run into a self-inflicted liquidity squeeze.

Your financing headroom is small

Little reserve, credit lines used up: as management you have to be able to spot a crisis early. Otherwise a liquidity problem becomes a question of personal liability. The usual framework for this is a rolling 13-week plan.

Your bank wants to see a cash flow plan

In a loan meeting, when a credit line is renewed or when covenants apply. A plan built from real account balances convinces more than a spreadsheet put together the night before. More on this: Cash flow planning for your bank

COMMITLY alternative

When COMMITLY is not for you

That belongs on a comparison page too.

You only want to see the balance

If you do not plan, you do not need a cash flow platform. Online banking will do.

You need bookkeeping and retention

COMMITLY is not that, and it is not GoBD compliant. Booking and retention happen in DATEV, Lexware Office or sevdesk.

You need treasury in the corporate sense

Currency hedging, interest management, cash pooling across dozens of entities: specialised treasury systems exist for that.

Nobody has the time

A cash flow plan lives on somebody looking at it once a week. Without that person, even the best software will not help.

Your accounts are in the US or Asia

COMMITLY connects banks in the EU. If your main accounts sit outside Europe, an internationally oriented treasury solution will serve you better.

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Frequently asked questions

Which cash flow software is the best?

The question has no general answer, because vendors serve different company sizes. Ten things decide it: where the actual figures come from, whether open items feed the forecast, whether scenarios can be run, whether invoice approval is included, whether payments can be triggered directly, what happens with several entities, whether the software can be extended, whether there is an open API, how it uses AI and whether your own AI can connect — and which evidence actually exists. Put those ten questions to every vendor and you get a sound shortlist instead of a tick-box table.

Is there a good COMMITLY alternative?

What sets COMMITLY apart from other vendors?

How many banks can COMMITLY connect?

Are scenarios and forecast paid extras at COMMITLY?

Is COMMITLY GoBD compliant?