The Best Liquidity Planning Tools in 2026 Compared

Today’s economic pace is pushing companies to find better ways to meet legal requirements. Rising interest costs and cashflow volatility require proper documentation and precise forecasting.

 CFOs need a clear view of their finances to keep their companies efficient. Between compliance and financial planning, businesses need fast access to their data. This is especially true for liquidity, which forms the basis for investment and growth decisions. To do this, CFOs need current and reliable data, structured through automated processes.

This is where liquidity planning tools such as Financial Navigator come in. These systems track cashflow, create intelligent forecasts, and learn from existing data. With the right liquidity planning tool, companies stay in control of their liquid assets and reduce the risk of cash gaps.

Why Excel and free liquidity planning tools reach their limits

Until a few decades ago, even large corporations could manage flexible liquidity planning with free tools such as Excel.

 With these tools, data is processed manually, which means the risk of error is higher than with automated tools. They require very little implementation, which means they can be used immediately and are especially suitable for beginners. However, account balances and transactions must be imported and updated regularly in separate documents. These tools therefore do not show real-time data.

Manual data management takes a lot of time, is prone to error, and quickly becomes unclear. CFOs cannot monitor figures in real time, nor can they implement proper data protection. That is why more and more companies are turning to modern, automated software. It brings many advantages:

• Real-time data and cash transparency: Financial information is available immediately and displayed in real time.

  
  

• Up-to-date forecasts: Forecasts can be created accurately, based on high-quality data

  
  

• Automatic updates from bank or ERP systems: Thanks to bank connectivity, data from all bank accounts is updated automatically.

  
  

• Governance structures: Rules and requirements are followed. Clear financial reports can be created. 

  
  

• Role and permission concepts: Data is protected and access is controlled.

  
  

•  Audit trails: All postings and transactions are recorded properly.

  
  

•  Digital audit readiness: Data is archived in full and protected against manipulation.

  
  

The more professional the software, the greater the benefit for the business.

Criteria	Free Tools	Automated Tools
Time	High, manual upkeep	Low, automated
Risk	High, error-prone	Low, system-supported
Scalability	Severely limited	High, scalable

What an automated liquidity planning tool delivers today

At first, choosing a liquidity planning tool can feel overwhelming. There are a few key aspects to look at:

• Single Source of Truth: This means there is one central data source that brings together all relevant and reliable data and acts as the single trusted source for all information. The figures are displayed there in a transparent way. This makes analysis and decision-making easier for companies.

  
  

• Bank connectivity: Modern software offers strong connectivity across systems so multiple bank accounts can be managed together.

  
  

• Forecast logic: Modern software enables companies to create forecasts based on data. This helps identify and address liquidity bottlenecks early.

  
  

• Audit readiness and roles: Automated tools support compliance and data protection. This guarantees controlled access to data while also ensuring security.

The 10 best-known liquidity planning tools in 2026 compared

1. Financial Navigator: the ideal solution for CFOs and treasury teams

Large companies need strategic control of their data. With Financial Navigator, all data is centralised on one platform as a Single Source of Truth.

Thanks to AI-powered technology, the software enables treasury teams to create precise forecasts. The tool also stands out with comprehensive governance functions. Permissions can be assigned quickly and securely. Complete audit trails ensure maximum audit reliability.

Financial Navigator’s liquidity planning software is particularly suitable for growing businesses, because the tool can be adapted to the company structure. Financial Navigator is a complete management system.

Contact us to learn more about Financial Navigator. 

2. Commitly

Commitly is a liquidity planning system focused on cashflow planning and cash management. The tool provides a daily updated overview of inflows and outflows. With bank integrations, data is pulled automatically in real time. Commitly is intuitive and cloud-based. This reduces implementation effort in the business. Its ease of use makes Commitly especially popular with small finance teams.

Group-wide or multi-entity functions are only lightly developed in this software. Compared to enterprise tools, governance and permission concepts are more limited in Commitly. That is why the platform is aimed mainly at SMEs and startups.

3. Agicap

Agicap is a clear and user-friendly platform. Its dashboards are visually well designed, which makes data easier to understand and review. This makes Agicap especially attractive for users with less financial knowledge. The usability of the software is a real competitive advantage.

The software is less suitable for more complex processes such as role structures and permission setup.

4. Tidely

Tidely supports operational liquidity and cashflow management processes. Through automatic bank integrations, data is always pulled in real time and shown on a customised dashboard with charts.

Forecasts can be generated in Tidely with the help of AI. This allows automated forecasting with a high level of clarity.

Tidely is mainly suited to startups and small businesses. For more complex structures, however, the software’s capabilities are limited.

5. Lexware

Lexware is a software solution widely used in Germany for various business applications. The tool offers simple processes such as automated accounting, invoice management, and financial reporting. It also provides a transparent overview of a company’s liquidity.

Lexware is user-friendly and allows integration with other software solutions. It is therefore particularly suitable for small and mid-sized businesses.

However, the software’s functionality is not sufficient for treasury steering or more complex forecasting and financial planning.

6. Finban

Unlike Lexware, which is a broader accounting solution, Finban focuses on specific finance and accounting processes. With Finban, companies can focus more directly on cashflow management and invoicing.

Finban is a user-friendly platform that also suits people with limited accounting knowledge.

7. Jedox

Jedox is a planning platform for large companies. It allows businesses to model complex planning logic in great detail. This makes it possible to build highly flexible custom evaluations.

Jedox comes with a high implementation effort. Companies need to plan for IT, BI, or consulting resources to set up the software. This extends the time to value compared with more specialised tools. It is therefore especially suitable for large companies and groups with the right IT infrastructure. For SMEs or operational CFO use cases, however, Jedox is often too extensive.

8. Qonto

Qonto follows a clear bank-first approach with a focus on payments and account management. Its liquidity overview is derived directly from bank data. This gives Qonto strengths in operational cash transparency. Real-time account balances and transaction views are clearly visible on the web and in the app.

The software also offers basic planning and forecasting functions. Simple cashflow forecasts can be created for short time periods.

That said, Qonto is not a full treasury management system. It lacks strategic liquidity steering as well as multi-entity and group-level features. For smaller businesses, this can be a very good fit. CFOs with a stronger treasury or control focus, however, will get only limited added value.

9. Nomentia

Nomentia is one of the most established liquidity planning tools for large companies. The software offers cash, treasury, and risk management solutions. This allows companies, among other things, to benefit from

• simple bank account management,

• efficient treasury workflows,

• useful cashflow forecasts.

The platform covers a wide range of needs, from liquidity visibility to payment processing. It is especially well suited to international groups, because payments across different currencies and banks can be coordinated easily.

10. Embat

Embat is known for modern treasury and cash management for scale-ups. This means the platform is designed for fast-growing businesses. Thanks to its international setup, companies can also expand beyond Germany with Embat.

The software is especially strong in cash visibility. It provides clear, current overviews of all available funds. Even across several banks, liquidity and cashflows are displayed transparently. This allows companies to see quickly where cash is available and in what amount.

Thanks to Embat’s strong bank integration, all banks and accounts are bundled centrally. Balances and transactions are pulled automatically and shown in real time. Its clear and modern interface makes information easy to understand even for non-specialists. The platform is intuitive to use and does not require deep treasury expertise.

With Embat, the focus is more on liquidity monitoring than on liquidity steering. It also offers only limited options for forecasting and policy control. This makes it harder for larger companies to manage resources in a more structured way.

Tool	Features	Target audience
Financial Navigator	Real-time data Scalability Governance functions Integration with other systems AI-powered technology	CFOs Treasury teams Growing companies
Commitly	Automated data retrieval Intuitive, easy to use	Startups SMEs Small finance teams
Agicap	User-friendly Design-optimised dashboards	Suitable for users with less financial knowledge
Tidely	Automatic bank integration AI-generated forecasts	Startups Small businesses
Lexware	Automated accounting Integration with other software User-friendly	SMEs
Finban	Cashflow management Invoicing	Suitable for users with limited finance knowledge
Jedox	Flexible modelling of planning logic	Large companies IT teams Finance teams
Qonto	Real-time data Forecast functions	Small businesses
Nomentia	Treasury workflows Clear data overview	International companies Large businesses
Embat	Clear data visibility Bank integration Easy-to-read dashboard Intuitive	Growing companies Non-specialists in finance

Why Financial Navigator stands above other liquidity planning tools

With Financial Navigator, you choose a modern way to manage liquidity. Many of our international clients have already benefited from the advantages of our tool:

• Time savings: Instead of manual exports, Financial Navigator relies on automated data management. All collected data is bundled in real time on one central dashboard. Thanks to AI-powered tools, intelligent forecasts can be created quickly. What used to take hours of research and calculation can now be done in just a few clicks.

• Risk reduction: The Single Source of Truth prevents conflicting figure sets. Liquidity bottlenecks are identified quickly and can be avoided early. Manual errors are eliminated through automated processes. Role and permission concepts increase compliance security and reduce fraud risk. Complete audit trails ensure full traceability.

• Decision quality: AI-powered tools help create precise forecasts. They take trends, historical data, and future cashflows into account. Your forecast analyses become more robust and more efficient.

• Scalability: Financial Navigator offers tailored solutions. New features and users can be added easily within the tool. Our software is therefore a long-term solution that supports your company as it grows.

The right liquidity planning tool for CFOs and finance teams

With Financial Navigator, all your liquidity data is centralised on one single platform. This also makes our software suitable for companies that want to grow internationally, because they keep a transparent overview of figures across multiple currencies and banks.

Modern AI enables efficient forecasting and strong-quality projections. This allows you to identify liquidity risks quickly. With Financial Navigator, you can create precise role permissions and control access to confidential data. Automated audit trails make it easier to manage changes and adjustments to your data. They provide greater security against data manipulation.

Financial Navigator offers you get a platform that scales with your business. Our software supports multi-entity structures and offers customisable functionality for our clients.

Try Financial Navigator. Explore our product overview and request a demo today.