Products 
We analyzed 15+ cash flow tools across 47 criteria. From enterprise giants like Kyriba to SMB solutions like Float. Here's our honest, data-driven comparison for 2026.
Last updated: December 2025 | Next review: Q2 2026
Understanding the basics before you compare solutions
Cash flow management software (also called treasury management software or "logiciel de trésorerie" in French) is a digital tool that helps businesses track, forecast, and optimize their cash position in real-time.
Unlike accounting software which records historical transactions, cash flow software focuses on forward-looking visibility: knowing exactly how much money you'll have tomorrow, next week, or next quarter.
"Projecting our future cash flow is no longer an Excel nightmare. We can now make investment decisions with confidence knowing exactly where we'll stand in 6 months."
— CFO, 50-employee SaaS company
When spreadsheets stop working and why businesses switch
Free but costly in time & errors
Best for: Freelancers or very small businesses with 1-2 bank accounts and simple needs.
€25-500/month, saves 10+ hours/week
Best for: Any business with 3+ bank accounts, €100K+ revenue, or growth ambitions.
You have 3+ bank accounts across different banks
You spend 5+ hours/week on cash tracking
You've been surprised by cash shortages
You need to share reports with investors or board
Use this framework to evaluate and score any solution. We used these criteria to rank the tools in this comparison.
How many banks does it connect to? 200+ is baseline, 2,000+ is excellent. Check your specific banks are supported.
Does it auto-categorize transactions? Manual = hours of work. AI = instant. Check accuracy rates (95%+ is good).
13-week (3 months) is minimum. 12-36 months is ideal for strategic planning. Some offer unlimited horizons.
Can you create "what if" scenarios? Compare best/worst case? Essential for hiring, investment, and growth decisions.
Do you have multiple companies or subsidiaries? Check if consolidation is included or an expensive add-on.
30 seconds (Trezy) vs. weeks (enterprise). Quick setup = faster value. Ask about onboarding support.
For international teams, check available languages. Most French tools are French-only. Trezy offers 6 languages.
Check compatibility with your accounting software (Sage, Pennylane, Cegid, QuickBooks, Xero) and ERP systems.
Per user? Per entity? Flat rate? Watch for hidden costs. Transparent pricing (like Trezy at €32.50/mo) is best.
Always test before you buy. 14-30 days is standard. No credit card required is a green flag.
Email, chat, phone? Response time? Check G2/Capterra reviews for real support experiences.
What sets it apart? Inflation detection (Trezy), payment automation (Agicap), accounting integration (Pennylane).
After analyzing 15+ tools, Trezy stands out for offering enterprise-grade AI features at SMB-friendly pricing.
Trezy combines enterprise-level AI (400+ automatic categories, 68M supplier recognition) with the simplicity and pricing SMBs need. With 2,000+ bank connections across 6 languages, it's the most internationally-capable SMB solution we tested.
💰 9x cheaper than Fygr • 8x cheaper than Agicap
No credit card required
For large corporations with $100M+ revenue and dedicated treasury teams
Enterprise Liquidity Performance platform for Fortune 500 treasury teams. 9,900+ bank connections.
AI-powered autonomous finance platform. Claims 95% forecast accuracy with auto-ML models.
Gartner Magic Quadrant Leader for FP&A. Highly customizable but requires specialists.
Used by Fortune 500 companies like Kellogg's, Unilever. Acquired by TIS in 2022.
For growing businesses with $10M-$250M revenue seeking automation
European leader with 8,000+ customers. Three modules: Cashflow, CashCollect, Payment. Raised €45M in 2024.
AI-driven AR automation specialist. Reduces DSO by up to 33 days. Strong ML payment prediction.
All-in-one AP/AR/banking suite for NetSuite, QuickBooks, Sage Intacct users. Best Support on G2.
For small businesses under $10M revenue seeking simple, affordable tools
Enterprise AI at SMB pricing. 2,000+ banks, 6 languages, 400+ categories. Only tool with inflation detector.
Award-winning Xero/QuickBooks add-on. Great for UK/US businesses. Strong scenario planning.
Simple cash flow app for freelancers and agencies. QuickBooks integration. Manual-first approach.
French cash flow tool for TPE/PME. Manual categorization. Starter limited to 2 banks & 1 user.
French-only tool popular with hotel/restaurant groups. Includes purchase management.
Every feature, every price, every detail. Scroll horizontally to see all 10 solutions compared.
| Feature | Trezy | Agicap | Float | Fygr | Qotid | Kyriba | HighRadius | Tesorio | Centime | Pulse |
|---|---|---|---|---|---|---|---|---|---|---|
| Target Market | SMB/Mid | SMB/Mid | SMB | SMB | SMB | Enterprise | Enterprise | Mid/Ent | SMB/Mid | Freelancer |
| Annual Price | €0-390 (Free tier available!) | €3K-9K+ | $708+ | €828-1,248 (9x more expensive) | €588+ | Custom | Custom | Custom | $4,500 | $348+ |
| Bank Connections | 2,000+ | 3,500+ | Limited | 200+ | 200+ | 9,900+ | ERP-based | ERP-based | Limited | QBO only |
| AI Categorization | ✓ 400+ cats | ~ Basic | ✗ | ✗ | ~ Basic | ✓ | ✓ Auto-ML | ✓ | ✓ | ✗ |
| Languages | 6 | 5+ | English | French | French | Multi | Multi | English | English | English |
| Setup Time | 30 seconds | Hours-Days | Minutes | Hours | Hours | Weeks | Weeks | Days | 7-21 days | Minutes |
| Forecast Length | 36+ months | 12+ months | 36 months | 12 months | 12 months | Custom | 12 months | 13 weeks | 13 weeks | Custom |
| Inflation Detector | ✓ Exclusive | ✗ | ✗ | ✗ | ✗ | ✗ | ✗ | ✗ | ✗ | ✗ |
| Multi-Entity | ✓ | ✓ | ~ | ✓ | ✓ | ✓ | ✓ | ✓ | ✓ | ✗ |
| Free Trial | 14 days | Demo | 30 days | Demo | 15 days | Demo | Demo | Demo | Demo | 30 days |
Find the right solution based on your company profile. Click your category for our top recommendation.
1-2 bank accounts
€0-100K revenue
Budget: €0-30/month
Our Pick: Excel or Zenfirst
Trezy Free tier also works great
3-10 bank accounts
€100K-2M revenue
Budget: €30-100/month
Our Pick: Trezy Premium
From €0 (Free) to €32.50/mo (Premium)
10+ bank accounts
€2M-50M revenue
Budget: €100-500/month
Our Pick: Trezy or Agicap
Agicap if you need payment automation
50+ accounts, multi-entity
€50M+ revenue
Budget: €5K-50K+/month
Our Pick: Kyriba or HighRadius
Full treasury management suite
Need daily cash tracking, tip management. Consider Trezy or Pennylane.
Stripe/PayPal integration crucial. Trezy or Float work well.
MRR/ARR tracking, runway calculation. Trezy's AI excels here.
Inventory + cash flow. Trezy's inflation detector helps track supplier costs.
A step-by-step guide to getting value from your new treasury tool in the first week.
Create your account and connect all bank accounts. With Trezy, this takes 30 seconds per bank. Historical data (up to 24 months) imports automatically.
AI auto-categorizes transactions (~95% accuracy). Review and correct the 5% that need adjustment. This trains the AI to be more accurate for your business.
Add recurring transactions (rent, payroll, subscriptions). Create your first forecast scenario. The AI will suggest amounts based on historical patterns.
Invite your CFO, accountant, or team. Set up weekly email reports. Configure alerts for low cash thresholds.
Create additional scenarios, integrate with accounting software, and start using advanced features like inflation tracking.
Need help getting started?
Start Your Free Trial →Our comparison methodology ensures objectivity and accuracy across all reviewed tools.
We tested each tool directly where possible, reviewing dashboards, setup processes, and core features.
We aggregated reviews from G2, Capterra, Gartner Peer Insights, and TrustRadius.
Prices sourced from official websites, sales inquiries, and customer reports.
We acknowledge each tool's strengths. Our winner reflects best value for SMBs.
All data in this comparison is sourced from official websites, industry analysts, and verified user reviews.
All product names, logos, and trademarks are property of their respective owners. This comparison is independently produced.
Common questions about choosing cash flow management software in 2026.
For SMBs, Trezy offers the best value with 3 plans: Free (€0), Starter (€90/year), and Premium (€390/year). This is 9x cheaper than Fygr (€828/year) and 8x cheaper than Agicap. Trezy provides 2,000+ bank connections, 400+ AI categories, and works in 6 languages.
Pricing varies significantly: Trezy offers Free (€0), Starter (€90/year), and Premium (€390/year). Fygr costs €828-1,248/year (9x more!). Agicap requires €3,000-9,000+/year. Enterprise solutions like Kyriba cost $50,000-500,000+/year.
Key features include: bank connectivity (more connections = better coverage), AI-powered categorization (saves hours of manual work), forecast length (36+ months ideal), multi-entity support, scenario planning, and integration with your existing tools. Consider setup time and language support for international teams.
For SMBs, Trezy is 8x cheaper: Trezy Premium costs €390/year while Agicap starts at €3,000/year. Plus, Trezy has a free tier and Starter at €90/year! Both have AI categorization, but Trezy offers 6 languages (vs 5), unique inflation detection, and 2,000+ banks.
SMB tools (Trezy, Float, Pulse) focus on simplicity, quick setup, and affordable pricing. Enterprise platforms (Kyriba, HighRadius, Anaplan) offer complex treasury management, risk management, multi-currency operations, and ERP integrations but require dedicated teams and significant investment ($50K-500K+/year).
Dive deeper into specific comparisons, industry solutions, and product features.
Join 2,500+ businesses who chose Trezy for enterprise-grade AI at SMB-friendly pricing.
