Liquidity planning software: The 10 best tools compared 2026

Key takeaways

• Liquidity planing software answers a question that a bank balance alone cannot: Will I remain solvent in the coming weeks and months? The focus is on forecasts, scenarios, and comparing actuals with plans.
• Specialized planning tools like Tidely, Commitly, or finban provide more reliable forecasts than broad-based controlling and BI solutions like Board, Helu, Lucanet, or companyon, where planning is more of an add-on.
• Excel is a good free starting point but becomes unwieldy with more transactions: no real-time data, a lot of manual work, and a high risk of errors.
• Key selection criteria: forecast quality, scenario planning capabilities, planning horizon, integration with banks and accounting systems (e.g., DATEV), and onboarding support.

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What is liquidity planning?

Liquidity planning means forecasting future inflows and outflows over a fixed period, usually over weeks, months, or quarters. The goal is to maintain long-term solvency, identify bottlenecks early, and utilize available funds effectively. This is precisely where liquidity planning software comes in, automating this forecasting and keeping it continuously updated.

In practice, three terms are often conflated, although they cover different time horizons. Cash flow management is the most short-term: It monitors daily payments and ensures sufficient funds for daily operations. 

The liquidity planning builds on this and looks ahead by forecasting the future development of your cash flows. It thus forms the basis for every major financial decision. 

Finally, liquidity management looks furthest ahead and encompasses the long-term strategy for ensuring solvency, for example, through credit lines, payment terms, or accounts receivable management.

If your primary concern is the daily management of your cash flow, then take a look at our Cash flow software comparison. This article focuses on forward-looking planning.

What matters: It's not the product name that matters, but its focus. Does the tool actively plan and manage future liquidity, or does it primarily analyze past figures and controlling key performance indicators? In the latter case, the planning function is often just an add-on and consequently superficial.

Why liquidity planning software instead of Excel?

As long as only a few items are involved, a financial plan can be managed in Excel. However, with each additional account, customer, or employee, the maintenance effort increases: figures have to be entered manually, account balances lag behind, and the forecast is only as reliable as the last manual entry.

Liquidity planning software automates this maintenance: it imports bank and accounting data, updates the forecast, and allows you to calculate scenarios at the touch of a button. 

The practical benefits of this are demonstrated by a survey among 125 Tidely users: Nearly three-quarters deal with their planning at least weekly, and with Tidely, the time spent on it decreases by about half on average, or approximately four hours per week.

Key features of modern liquidity planning software

Whether a tool can truly plan or merely collects data is determined by these six points:

Reliable forecast. The forecast should be generated from your actual cash flows and update automatically, rather than relying on static assumptions.

Scenario planning. A good tool shows what happens if a major customer pays late or an investment is brought forward. More on this in our article on scenario planning and Forecasting.

Plan vs. Actuals. Only an ongoing comparison of planned figures and actual performance reveals deviations, ideally on a daily, weekly, and monthly basis.

Planning Horizon and Level of Detail. Depending on your business, you might need daily short-term planning or rolling forecasts over several months. The tool should be capable of both.

Automated Data Foundation. A Integration with banks as well as accounting and ERP systems like DATEV, Lexoffice or sevDesk keeps your planning up-to-date and saves manual data entry.

Clear Presentation and Reports. Clear views and exportable reports are important as soon as banks, investors, or tax advisors need to see the planning.

The 10 Best Liquidity Planning Software Compared

Liquidity planning software must fit your company's size, operational methods, and budget. We specifically examine the following ten solutions for 2026 from a planning perspective, including current OMR ratings (as of June 2026), prices, and their strengths and weaknesses.

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1. Tidely

⭐️⭐️⭐️⭐️⭐️ 4.5 / 5

144 ratings on OMR

Price: From €45.00 / Month

Demo: Yes, one-on-one product demo

Free trial access without a credit card: 7 days

Tidely originates from Germany and was specifically designed for liquidity planning for SMEs, startups, and scale-ups. Instead of just displaying balances, the tool generates a forward-looking liquidity forecast and keeps it updated via more than 5,000 banks as well as accounting and ERP systems like DATEV, Lexoffice, and sevDesk automatically. Around 1,500 companies already use it to plan their solvency.

Suitable for which planning needs: Teams that want to proactively plan their liquidity and test scenarios without a lengthy implementation project.

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Tidely's strengths:

• AI-powered onboarding and forecasting in 15 minutes. Tidely synchronizes your transactions, our AI automatically categorizes them against a clean category tree, recognizes trends in your historical cash flows, and suggests planning values for the next 24 months based on the last 12 months, including seasonalities if desired.
• One-click scenarios. Later incoming payments, a new hire, or an accelerated investment can be simulated, and their effect on future liquidity can be immediately seen.
• Automatic data foundation including DATEV. In addition to the new DATEV integration, Tidely connects Lexoffice, sevDesk, Xentral, Weclapp, Moco, easybill, and Microsoft Dynamics 365 BC, as well as PayPal, EBICS, an open API, and Zapier. An AI pre-sorts transactions, minimizing the effort required for planning.
• 13-week planning at the touch of a button. The 13-week plan is the standard that banks, investors, and advisory boards want to see for short-term liquidity proof. It shows you, week by week, how your liquidity will develop over the next three months, continuously updated with your real-time data.
• Plan vs. actual comparison with deviations. Plan and actual at a glance. Deviations become visible before they turn into problems. What is one of the most difficult tasks in Excel takes seconds in Tidely.
• Team collaboration and notes. Coordinate, comment, and record assumptions directly within the plan, without overwriting colleagues' work.
• Made in Germany, certified secure. Development and hosting in Germany, GDPR compliant and ISO/IEC 27001 certified.
• Personalized support, not self-service. Personalized onboarding (from Business 1:1) plus support via phone, chat, and email.

Limitations of Tidely:

• Focus on Europe. The bank integration primarily covers European institutions. Companies that primarily work with US or Asian accounts may find more suitable coverage with local providers. However, for liquidity planning in the DACH region and Europe, the integration offers broad coverage.
• Accounting integrations from Professional. The Starter plan does not yet include the accounting interface (including DATEV integration). Those who want to incorporate accounting data into liquidity planning from the start should upgrade to a higher tier; the integration is fully available from the Professional plan.

Tidely pricing

Tidely offers four plans:

• Starter starting at €45 / month: 1 bank account, with AI categorization and AI cash flow forecasting, 3 KPI widgets & live group onboarding
• Professional starting at €85 / month: 5 bank accounts, accounting integration, 2 team members, live group onboarding
• Business starting at €215 / month: 10 bank accounts, up to 3 companies, 5 team members, and individual live onboarding
• Enterprise upon request for large corporate structures with unlimited accounts, companies, and a personal advisor. 

Prices are transparent and without hidden additional costs. A free trial is available for 7 days, without requiring you to provide a credit card.

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What our customers say 

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2. Commitly

⭐️⭐️⭐️⭐️⭐️ 4,8 / 5

140 reviews on OMR

Price: Starting at €45.00/ month

Demo: No

Free Trial: 14 days

Commitly is a German and Austrian company tailored for liquidity planning for SMEs and finance-savvy users. The software relies on automated forecasts and a deliberately lean set of features.

Suitable for: Users with controlling experience in the DACH region who value focused planning and can do without personal onboarding.

Commitly's Strengths:

• Bank integration in the DACH region. Over 3,000 institutions in Germany and Austria are connected, from Sparkassen and Volksbanken to Commerzbank, Deutsche Bank, and ING. Access is read-only; payment initiation is not possible.
• Outstanding items with "Commitly Bills". Through the add-on module, liabilities and outstanding incoming invoices, including approval processes and audit trail, flow directly into planning.
• Forecasts and planning scenarios. Various scenarios can be simulated, forecasts automatically calculated, and compared against actual performance. You create planning scenarios in just a few clicks, optionally with percentage-based or absolute extrapolation to subsequent periods.

Commitly's Disadvantages:

• Limited accounting integrations. Reviews on Capterra criticize the limited number of accounting system integrations. This makes Commitly less flexible than liquidity software with broader ERP integration.
• No personal onboarding. No one-on-one onboarding is offered. Anyone who needs guidance at the start will notice the difference compared to Tidely, which offers personal expert onboarding from the Professional plan onwards.

Commitly pricing

Starting at €45.83 per month (annual payment) and is divided into three packages: Basic, Business, and Professional. For a comparable starting price, Tidely already offers you personal onboarding, over 5,000 bank connections, and a wider range of integrations.

Recommended reading: Tidely as a Commitly alternative

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3. Agicap

⭐️⭐️⭐️⭐️⭐️ 4.6 / 5

169 reviews on OMR

Price: Upon request

Demo: Yes

Free trial: Yes

Agicap is a French provider firmly established in the European market for financial and liquidity management. The liquidity planning software is tailored for medium-sized companies and groups with multiple entities, bank connections, or currencies. At its core, it combines an ongoing liquidity overview with automatic categorization, scenario planning, and a consolidated view across all units.

Agicap's strengths:

• Rolling forecasts across all levels. The 13-week forecast and longer-term, day-accurate previews can be flexibly modeled, including variance analyses at group, department, or individual level directly in the dashboard.
• Consolidated group planning. With multiple entities, you can switch with a click between the overall group view and the detailed view of individual units, keeping the consolidated liquidity forecast visible at all times.
• Broad functionality for complex structures. Beyond mere planning, there are modules for dunning (CashCollect), expense management, cash pooling, and AR/AP automation, suitable for companies looking to consolidate their entire treasury management in one tool.

Weaknesses of Agicap: 

• Additional features drive up the price. Modules like dunning or expense management are separate. Users who utilize the full scope pay proportionally more; recent reviews report total costs of €3,000 per year and more (Capterra and G2, 2026).
• High entry barrier for small businesses. The liquidity tool is designed for mid-sized companies with their own finance team. For SMEs without finance specialists, the range of functions quickly becomes too extensive and the price difficult to justify, a point consistently confirmed by reviews on Capterra, G2, and GetApp.

Agicap pricing

Prices are available only upon request and depend on individual needs, but they are in the higher segment, which can be a real hurdle for smaller companies or start-ups. Additionally, many functions are added as paid modules and add-ons.

Reading tip: Tidely as Agicap alternative

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4. Microsoft Excel

⭐️⭐️⭐️⭐️⭐️ 4,5 / 5

142 reviews on OMR

Price: from €5.60 / month   

Demo: No   

Free trial access: Yes, 1 month

Microsoft Excel is one of the most well-known spreadsheet programs and has been used for financial planning, analysis, and calculations for decades. Many companies also use it for liquidity planning. It allows for manual entry of income and expenses, creation of forecasts, and analysis of cash flows. However, using Excel for liquidity planning comes with several challenges.

Strengths of Microsoft Excel:

• Flexibility and Adaptability: Excel can be individually customized for various financial processes. Users can employ formulas, pivot tables, and charts to manually manage financial data.
• Widespread Use and Compatibility: Seamless integration with other Microsoft products like Word, PowerPoint, and Teams facilitates collaboration. Furthermore, Excel is widely used, so many companies are already familiar with the tool.
• Favorable Pricing Structure: Compared to specialized liquidity planning software, Excel is often a more cost-effective solution. 

Weaknesses of Microsoft Excel:

• High Manual Effort: Data maintenance requires regular manual updates, which is time-consuming and prone to errors. A lack of automation hinders efficient and dynamic liquidity planning.
• No Real-time Overview: Financial data must be updated manually, and automatic synchronization with bank accounts or accounting systems is not possible. This complicates planning and requires constant manual adjustments.
• Lack of Automation and Error Proneness: Unlike specialized liquidity management tools, Excel does not offer integrated functions for automatic forecasts or simulations of liquidity trends. Moreover, the numerous manual processes can quickly lead to formula or transfer errors, which can distort the entire financial planning.

Microsoft Excel costs:

Excel can be purchased as a standalone product for €159 or used as part of a Microsoft 365 subscription. Prices vary depending on the range of features: The cheapest option – Microsoft 365 Business Basic – is available from €5.60 per month (with annual billing).

Learn more: Excel Template for Liquidity Planning

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5. Helu

⭐️⭐️⭐️⭐️⭐️ 4,5 / 5

52 reviews on OMR

Price: Price on request

Demo: No

Free trial: Yes

Helu is aimed at CFOs and financial managers in SMEs and scale-ups who no longer view finance as a purely administrative function, but rather as an active lever for corporate management. It is not a classic liquidity tool. Helu positions itself more as an overlay: Between DATEV, operational sources like HR or CRM, and management, the platform ensures that numbers are transformed into reliable decision-making bases. Thus, it does not replace Tidely or Commitly, but rather complements them.

Strengths of Helu:

• Forward-looking control, not backward-looking. Instead of producing reports about the past, Helu consolidates hard and soft key figures into a single model, allows various planning scenarios to be calculated, and ensures all stakeholders are working with the same data. This eliminates the back-and-forth between multiple spreadsheet versions.
• Metrics tailored to your business. If you want to derive your own key metrics from areas like HR, Sales, or CRM, you connect these drivers in a common model. This creates KPIs that reflect your company's real processes, rather than just standard values.
• Automated reporting with DATEV. Via the official interface in the DATEV marketplace, Helu automatically pulls accounting data and recalculates analyses after each upload. This means P&L, balance sheet, cash flow analyses, and cost centers are available without manual updates.

Helu's Weaknesses:

• Interface not always fully stable. Occasionally, users report that the DATEV synchronization intermittently stops. The stability of the connection is continuously being improved.
• Not for daily liquidity management. Helu deliberately does not cover the operational aspect. For daily account balances and short-term forecasts, a specialized solution like Tidely is needed.

Helu's Cost

Helu does not provide a fixed list price. Instead, a custom quote is calculated for each company, based on their specific needs. If you're interested, you can request this individual package directly from the provider.

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6. Lucanet

⭐️⭐️⭐️⭐️⭐️ 4,3 / 5

11 reviews on OMR

Price: On request

Demo: Yes

Free trial access: No

Lucanet is financial software that supports CFOs and finance teams with the planning, consolidation, and reporting of their financial data. The solution is primarily aimed at medium-sized and large companies that need a central platform for their financial processes.

Suitable for which planning needs: Organizations with consolidation and reporting needs, where liquidity planning is part of a larger financial process.

Strengths of Lucanet:

• Efficient Financial Reporting: Lucanet enables structured and automated creation of financial reports, including budgeting, variance analyses, and forecasts. Thanks to an intuitive user interface, even users without in-depth IT knowledge can quickly use the software.
• High Flexibility in Data Integration: Lucanet allows versatile connectivity to various accounting and ERP systems, including SAP S4/Hana. Companies can flexibly import and process financial data, which facilitates detailed and individualized financial analysis.
• Comprehensive Forecasts: Lucanet offers dynamic planning functions with which companies can simulate scenarios, evaluate investments, and identify financial risks early on.

Weaknesses of Lucanet:

• Planning functions have room for improvement. Lucanet originally comes from consolidation. Even in 2026, users still cite the planning and forecasting functions as the area with the greatest need for improvement, and the logic behind balance sheet planning is not always immediately clear. For a tool that aims to excel in liquidity planning, this is its Achilles' heel.
• High pricing. In recent user surveys, about a third cite rising costs as an issue. Especially smaller companies find Lucanet expensive in relation to the required scope of functions.

Lucanet Pricing

Lucanet offers Basic, Advanced, and Professional packages, which differ in functionality and support. Prices are individually customizable and available only upon request.

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7. TRESIO

⭐️⭐️⭐️⭐️⭐️ 4 / 5

3 reviews on Trustpilot (not listed on OMR)

Price: Starting from 35.00 CHF/month

Demo: Onboarding Service

Free trial: Yes

Tresio is a liquidity management software from Switzerland, particularly suitable for companies with Swiss bank accounts, supporting cash flow analysis and forecasting. The software enables seamless integration of bank accounts and connection to some invoicing systems. A multi-banking function ensures that all relevant account movements are visible in one place – even across multiple currencies.

Strengths of TRESIO:

• Comprehensive Scenario Planning: Tresio allows you to create and compare "what-if" scenarios to evaluate the financial impact of various business decisions – such as cost reductions or new hires – in advance.
• Centralized Bank Connectivity: The liquidity planning tool offers a multi-banking interface to provide a daily overview of all transactions and balances – even in different currencies, including cryptocurrencies.
• Flexible Data Import: Tresio allows the import of financial data via both API integrations and manual file uploads (CSV, Excel, FTP). This enables companies to easily connect their accounting systems.

Weaknesses of TRESIO:

• Data is mostly imported via accounting. TRESIO typically pulls its data via connected accounting software (such as bexio or Abacus). This means more setup effort, and direct bank connectivity only works through additional interfaces.
• Strong focus on the DACH region and Switzerland. Bank connections and accounting integrations are tailored to the DACH region and Switzerland. Those operating outside this region or using different accounting systems will find fewer ready-made integrations.
• Low visibility and limited review base. Compared to Agicap or Tidely, TRESIO is less known in Germany, and there are only a few independent reviews available. This makes it difficult to assess before purchase.

TRESIO's pricing

Tresio offers various pricing models based on company size and feature scope. Packages start at CHF 35 per month with annual payment. An onboarding service is included in all three packages. 

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8. finban.io 

⭐️⭐️⭐️⭐️⭐️ 4.8 / 5

17 reviews on OMR

Price: From €26.25/month 

Demo: Yes

Free trial: Yes, 14 days

finban is a financial planning solution launched in 2023, specifically tailored for SMEs, startups, agencies, and SaaS companies. With real-time cash flow forecasts, playable scenarios, and the integration of bank accounts and accounting tools, finban positions itself as a modern alternative to traditional Excel spreadsheets.

Strengths of finban:

• Flexible scenario planning. Various financial scenarios can be created and compared, making it immediately visible how an investment, a new hire, or a payment default affects liquidity.
• Lowest barrier to entry in the field. The Starter package costs €26.25 per month, making it the most affordable specialized entry in this overview. It's an attractive starting point for sole proprietors and micro-businesses with one bank account and accounting.
• Data securely hosted in Europe. finban stores data on AWS servers within Europe and complies with GDPR requirements and the ISO/IEC 27001:2013 standard.

Weaknesses of finban:

• Limited ERP integration. Interfaces to common ERP systems are currently limited, which complicates automatic reconciliation with accounting. In recent user reviews from 2026 on OMR Reviews and Capterra, users have expressed a desire for more integrations.
• No automatic categorization. Automatic assignment of transactions with rules is missing, unlike with Tidely. Transactions must be sorted manually, which becomes increasingly time-consuming as the number of transactions grows. Reviewers also criticize the inflexible category logic, such as the lack of custom categories per organization, as well as occasional delays in bank synchronization (OMR Reviews and Capterra, 2026).

finban pricing

finban offers four packages with annual payment: Starter from €26.25 per month (1 bank account, 1 organization, 1 user), Business from €48.75 per month (5 bank accounts, 5 users), Pro from €90 per month (10 bank accounts, 5 organizations, 10 users), and Custom upon request for complex structures and family offices.

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9. companyon 

⭐️⭐️⭐️⭐️⭐️ 4,9 / 5

7 reviews on OMR

Price: From €69.00/month 

Demo: Yes

Free trial: Yes, 14 days

companyon is a financial management solution for SMEs that bundles several tasks under one roof: planning, budgeting, management reports, key figure analysis, and liquidity forecasting. Similar to Helu, the focus is on strategic financial management rather than real-time operational liquidity control. The tool can be set up in minutes. Accounting figures are uploaded to the system via file upload; a direct DATEV integration is not available.

Strengths of companyon:

• Automatic liquidity forecast from actual and planned data. From the imported accounting and planning figures, companyon automatically generates liquidity forecasts, as well as profit and cash flow forecasts, supplemented by scenarios and actual-vs-target comparisons.
• Multiple entities in one view. If you work with branches, subsidiaries, or holdings, you can consolidate all entities with a click and receive a consolidated analysis, including an overall liquidity forecast.
• Ready to go without an implementation project. As soon as the accounting data is uploaded, liquidity planning starts immediately. Reports, management reports, and key figures are generated automatically, eliminating the need for manual setup.

Weaknesses of companyon:

• No open API. companyon does not offer an API that allows for free integration with proprietary systems. Data flow occurs via the designated imports, not through individual integrations (OMR Reviews and Capterra, 2026).
• Limited customization for complex structures. According to current OMR Reviews and Capterra ratings, those who want to map complex group or holding structures will encounter limitations in the customization options. Additionally, there is no mobile app, and analyses are only available in the browser.

companyon pricing

companyon offers four packages: Basic from €69 / month, Professional from €109 / month, Expert from €179 / month (each excl. VAT, when paid annually), Premium upon request. A 14-day free trial is available.

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10. Board 

⭐️⭐️⭐️⭐️⭐️ 4.7 / 5

30 reviews on OMR

Price: On request

Demo: Yes

Free trial: No

Board is an enterprise planning platform from Switzerland that unifies Business Intelligence, Corporate Performance Management, and Predictive Analytics under one roof. It primarily targets medium and large enterprises in sectors such as retail, manufacturing, or financial services that want to centrally consolidate their complex planning and analysis processes. Liquidity planning is just one component within a much broader FP&A framework, meaning Board does not replace specialized liquidity planning software.

Strengths of Board:

• A consolidated data foundation. Board connects to SAP, Salesforce, Microsoft, and other ERP and CRM systems and consolidates their data into a single reliable source. This data foundation is the basis for reliable forecasts and a consolidated liquidity forecast across multiple entities.
• All disciplines in one system. Reporting, dashboards, scenario simulation, forecasting, and planning run without the need for multiple disparate tools. Especially with complex structures, this eliminates the constant reconciliation of data between different systems, which simplifies strategic liquidity planning at the group level.

Weaknesses of Board:

• No real-time operational liquidity management. Board is designed as a strategic analysis and planning platform, not as an ongoing liquidity tool. For daily account balances, automatic bank connectivity, and operational, short-term liquidity planning, Tidely is the more suitable choice. Current reviews clearly position Board in the strategic enterprise segment accordingly (G2 and Gartner Peer Insights, 2026).
• Complex onboarding with a noticeable learning curve. Initial setup is considered complex and rarely manages without external consulting. Users reported in 2026 that administrators, in particular, need time for data models and configuration, and performance degrades with very large data volumes. For SMEs simply looking for a lean liquidity planning tool, the effort is often too high (G2 and Gartner Peer Insights, 2026).

Board pricing

Board does not publish public pricing; prices are negotiated individually. Since the platform is tailored for mid-sized to large companies, the cost structure is generally not cost-effective for smaller businesses.

Which liquidity tool is right for which company size and industry?

The right liquidity planning software depends primarily on size, structure, and industry. For guidance:

• SMEs, Startups, and Mid-sized Companies: Tidely, Commitly, or finban can be set up quickly, cover operational, day-to-day liquidity planning, and offer good value for money. They are ideal if you're looking for a lean liquidity tool that doesn't require a long implementation project.
• Large Companies and Enterprises: Agicap, Lucanet, or Board excel in consolidation, scenario analysis, and consolidated liquidity forecasting across multiple entities, but require a dedicated finance or controlling team.
• Project-based Business: If you set up liquidity planning for individual projects, you need tools capable of scenario planning that map cash inflows and outflows per project. How liquidity planning in project-based business can be managed, we show on the relevant industry page.
• Industry Specifics: Seasonal fluctuations, payment terms, and pre-financing differ significantly depending on the industry. In retail and e-commerce, seasonal and inventory cycles drive planning; in agencies and project-based businesses, it's project milestones; and in gastronomy and hospitality, it's pronounced seasonality.

Relevant industry pages with practical examples of liquidity planning: E-commerce, Agencies, Retail, Hospitality, Project Business, Start-ups.

3 Tips: How to Find the Right Cash Flow Planning Software

Which tool suits you depends on your specific requirements and the needs of your company. There isn't one perfect cash flow planning software for everyone. It's helpful to clarify the basics beforehand: Anyone who knows how their own cash flow can be calculated will more quickly recognize which functions a software truly needs to cover. To make your selection easier afterwards, these three guiding questions will help:

1. Determine the tool's primary purpose

If you're looking for real-time cash flow planning, playable scenarios, and a real-time view of your cash flows, specialized liquidity tools like Tidely, Commitly, or finban are the obvious choice. Such solutions are designed to make impending bottlenecks visible early and allow for short-term countermeasures.

If, on the other hand, you need comprehensive financial planningthat covers not only cash flow forecasting but also controlling, accounting, or budgeting, Lucanet, Helu, or companyon are worth a look. They offer additional modules for results analysis and planning, but usually cover operational cash flow management less deeply than a tool focused specifically on it.

2. Consider your company's size

The requirements for liquidity management software shift with the size of the company. For SMEs, startups, and scale-ups lean solutions like Tidely, Commitly, or finban are suitable because they can be set up quickly, are easy to use without extensive training, and remain budget-friendly. 

Larger companies and groupsthat require functions beyond mere liquidity planning, such as cash pooling, dunning, consolidation, or credit management, will find more powerful, but also more complex and expensive, alternatives in Agicap, Lucanet, or Board.

3. Pay attention to support and onboarding assistance

Especially when setting up liquidity planning for the first time, the support you receive determines how quickly you become productive. Tidely focuses on personal onboarding, accessible support via chat, email, and, depending on the package, phone, supplemented by video tutorials and an extensive knowledge base. 

Agicap is also praised in reviews for its responsive support, while providers like Commitly or finban tend to rely on self-service through knowledge bases and digital help. This way, you can find the right tool based on your desired level of support, even without your own finance team.

Conclusion: Which liquidity planning software is right for you?

The ten tools in this comparison cater to very different planning needs. What's crucial isn't the feature set itself, but how deeply a solution truly masters forward-looking liquidity planning. Here are the key recommendations at a glance:

Tidely is the best choice for SMEs, startups, and scale-ups looking for specialized liquidity planning with daily updated forecasts, scenarios, and actual-vs-plan comparisons, without a lengthy implementation project. AI categorization and automatic liquidity forecasting are included from the Starter package, and DATEV integration is available from Professional.

Commitly is a lean alternative for finance-savvy users in the DACH region with strong bank coverage, but offers fewer accounting interfaces and no personal onboarding.

Agicap is aimed at mid-sized companies and groups with multiple entities and their own finance team, who need consolidated liquidity planning across many units and have a larger budget.

finban is the most affordable specialized entry point and ideal for freelancers, agencies, and micro-businesses with simple structures.

Microsoft Excel is only suitable as a free entry-level option for very simple cases, without ongoing data and requiring high maintenance effort.

Helu and companyon are less dedicated liquidity tools and more FP&A and controlling solutions. They complement specialized planning but do not replace operational liquidity management.

Lucanet and Board are designed for consolidation, reporting, and strategic enterprise planning. They are overkill for short-term, operational liquidity planning.

TRESIO is primarily of interest to companies with Swiss bank accounts and a DACH focus.

If you're looking for a user-friendly, transparently priced solution specifically for forward-looking liquidity planning, where you'll receive support during onboarding, Tidely is the right choice. 

Try Tidely for 7 days, free and no credit card required.

Note: As our industry evolves rapidly, provider details and prices can change very quickly. If you notice an error, please feel free to contact us and let us know. We will then correct it. Contact form.‍

Frequently Asked Questions about Liquidity Planning Software

When is liquidity management useful?

Liquidity management is beneficial if you want to identify impending payment bottlenecks early, strategically time investments, and permanently secure your solvency. Small and medium-sized enterprises, as well as fast-growing companies, particularly gain security by making financial risks visible early and making decisions based on reliable data.

Who is Tidely for?

Tidely is particularly suitable for small and medium-sized enterprises (SMEs) and growing companies looking for a lean yet powerful solution for their liquidity management. Companies without their own finance department benefit especially, as they can quickly achieve reliable, day-accurate planning even without in-depth controlling knowledge.

Is there liquidity planning software with DATEV integration?

Yes. Tidely, for example, offers direct DATEV integration, allowing accounting data to flow automatically into your planning. A DATEV-integrated liquidity planning tool is particularly practical for companies with a tax advisor, as accounting data can be used without manual transfer, making the planning more precise.

What tool is Tidely an alternative to?

Tidely is a strong option, especially for SMEs, Agicap alternativeas it is easier to use and significantly more cost-effective. For those who don't want to pay for numerous extra features they don't need, Tidely offers a suitable solution.

Additionally, Tidely is a Commitly alternativeas both tools have a similar structure. However, Commitly is leaner and more geared towards financial experts, whereas Tidely stands out with a more user-friendly interface, personal onboarding, and additional support.

Which liquidity planning software is best for small and medium-sized businesses?

The best solution depends on your company size and your requirements. Small businesses and freelancers benefit from lean, ready-to-use tools like Tidely or Commitly. Growing medium-sized companies with multiple banks and more complex structures are well-served by solutions like Board or Agicap.

How does liquidity planning differ from cash flow management?

Both areas are closely related but differ in their focus. Cash flow management primarily looks at ongoing payment streams in day-to-day operations. Liquidity planning, however, looks further into the future and answers the question of whether your company will remain solvent at all times in the coming weeks and months.

What free liquidity planning software is available?

Completely free full versions are rare because reliable liquidity planning requires bank connectivity, forecasts, and ongoing updates. However, there are several ways to get started without an initial investment: Excel and Google Sheets, the free Excel-based Lexware liquidity planner, as well as free trial periods from providers like Tidely, Commitly, or Agicap.

How long does it take to set up cash flow planning software?

This varies significantly depending on the solution. Streamlined cash flow tools like Tidely are typically ready to use within minutes: you link your bank accounts and accounting system, and your first cash flow forecast is immediately available. 

For comprehensive enterprise platforms like Board or Agicap, however, you should anticipate an implementation project that spans several weeks and often requires external consulting. The less manual configuration a tool needs, the faster your cash flow planning delivers actionable results.