Agicap
Agicap alternatives: 8 tools compared honestly
Agicap is a mature treasury platform for mid-sized groups and corporates. For a lot of smaller companies it is too big, too expensive and too slow to start: prices are not online, and the way in runs through a demo and a quote.
What follows is eight alternatives, sorted by need rather than by rank — including the cases where Agicap stays the right choice.
The short verdict
- You need day-accurate balances across many banks and entities? → Agicap or Tidely
- You want to start cheaply and do your own bookkeeping? → finban or Commitly
- You want to plan and test strategies, not only monitor them? → Foreqast
- You want profit, margin and stock forecast beside the cash? → Foreqast
Why people look for an alternative
- 01No public priceAgicap carries no pricing information in the comparison directories. For a company with fifteen people, a selection process with a demo, a quote and an annual contract is work — before it is even clear whether the thing fits.
- 02Too big for small structuresTreasury, AP/AR automation and multi-entity are built for companies with a finance department. Without that department you pay for scope nobody maintains.
- 03Bank-centricIf your revenue is planned out of a shop, subscriptions or projects, you need a model of the revenue side — not only account movements. The balance is the result, not the cause.
- 04Time to valueIf you want the question “can I afford this hire” answered this week, you do not wait for an onboarding project with a call, a quote and a data handover.
The tools at a glance
| Tool | Who it is for | Data it runs on | From | Self-serve start |
|---|---|---|---|---|
| Agicap | Mid-market, several entities | Banks + ERP | not published | no |
| Foreqast | Shops, agencies, SaaS €0.3–10m | Accounting + revenue drivers | €39 | yes |
| Tidely | SMEs with a bank focus | Banks + ERP | ~€45 | yes |
| Commitly | Small SMEs | Banks | ~€46 | yes |
| finban | Self-bookkeepers, solo, associations | Banks + invoices | ~€36 | yes |
| helu.io | DATEV users, reporting | DATEV | not published | partly |
| flowpilot | SMEs in the DACH region | Accounting + banks | ~€39 | yes |
| re:cap | Tech/SaaS needing funding | Financial data + credit line | €0 | yes |
| LucaNet, Corporate Planner | Groups, consolidation | ERP | not published | no |
These are entry prices from the vendors' own pages and public directories, checked on 24 August 2026. “not published” means the vendor publishes no price. Verify the numbers yourself before deciding — the sources are listed at the end.
The alternatives in detail
Every tool with the same four lines, so you can read them side by side: who it is built for, what it does better than Agicap, where it stops and what it costs.
Tidely
From ~€45- Who it is for
- SMEs in the DACH region that need day-accurate liquidity across several bank accounts, with accounting or ERP connected to the same curve.
- Stronger than Agicap at
- The price is in the directories, the start needs no sales process, and the bank coverage is the widest in this field: the vendor names more than 5,000 institutions. Running far sooner than a platform rollout.
- Where it stops
- Account-based like Agicap — the revenue side is carried forward, not modelled. The entry plan covers one bank account and one person; several accounts or a team move you up a tier quickly.
- Price
- from about €45 a month, Business from about €189.
finban
From ~€36- Who it is for
- Sole traders, small firms and associations that do their own bookkeeping and mainly need a reliable overview.
- Stronger than Agicap at
- The cheapest specialised entry in the field, very simple to operate, with bank connections and contract management included. Prices online, a trial without a card, hosting in Germany.
- Where it stops
- It plans payments, not the business behind them. Cash and profit cannot be told cleanly apart, and a price change is something you enter as an assumption rather than have costed through.
- Price
- from about €36 a month, free trial without a card.
Commitly
From ~€46- Who it is for
- Small companies and freelancers who want a trustworthy cash view this afternoon and have no interest in building a model.
- Stronger than Agicap at
- Deliberately simple: bank data in, a clean cash view out, synced up to four times a day. A 13-week operational view, plus a VAT forecast — the payment that surprises small companies most often.
- Where it stops
- The forecast projects the account rather than modelling where the revenue comes from. Fewer features is the point here: costing a price change through to margin is not the job it took on.
- Price
- from about €46 a month plus VAT, 14-day trial.
helu.io
not published- Who it is for
- Companies on DATEV that want their existing numbers readable and current — cost centres, budget against actual, one shared view with the accountant.
- Stronger than Agicap at
- It turns bookkeeping into reports without an export ritual, with drill-down to the individual entry per cost centre. Agicap does not go that deep, and spreadsheets never do it well.
- Where it stops
- Its centre of gravity is what already happened. Planning ahead is a different discipline from reporting on closed periods — and the price is not on the website.
- Price
- on request; directories name an entry from about €4,999 a year.
flowpilot
From ~€39- Who it is for
- SMEs in the DACH region that book on DATEV and want a liquidity plan out of exactly that data, with scenarios rather than one fixed curve.
- Stronger than Agicap at
- It starts in the accounting rather than at the account, reads backwards and forwards from the same data, and its plan prices are public. No onboarding project required.
- Where it stops
- Here too the plan is built from booked and expected payments: revenue is carried forward, not derived from orders, subscriptions or hours. The prices quoted are annual-billing prices.
- Price
- Basic from about €39 a month, Pro €79, Enterprise €199 — each billed annually.
re:cap
From €0- Who it is for
- SaaS and subscription companies that want burn and runway visible — and may need debt without giving up equity.
- Stronger than Agicap at
- The only free entry on this list, unlimited users and bank accounts on the paid tier, and a credit line from the same provider: the vendor names volumes from €50,000 to €25 million.
- Where it stops
- It reads the accounts rather than modelling the business. Built for recurring revenue — a shop with goods, restocking and payouts is not the case behind it. And the financing is the business model, which belongs in the picture.
- Price
- free entry, Insights from about €39 a month billed annually.
LucaNet, Corporate Planner, CoPlanner
not published- Who it is for
- Groups with several subsidiaries and a consolidation duty, where a finance department runs the model.
- Stronger than Agicap at
- It goes beyond Agicap where it counts: statutory consolidation, integrated planning of P&L, balance sheet and cash flow, currency translation, statutory reporting.
- Where it stops
- Licence, implementation and upkeep assume a controlling function; industry write-ups put mid-market total cost of ownership in the high five- to six-figure range a year. An order of magnitude too big for one company with one set of books.
- Price
- not published, quoted per project.
Disclosure: this is our own product.
Foreqast in detail
The only forecast that does the arithmetic on your decision.
- Who it is for
- Shops, agencies and SaaS between €300k and €10m in revenue that want to plan rather than only monitor.
- How it works
The other tools on this page start at the bank balance and carry it forward. Foreqast starts at the drivers of your business and calculates forwards.
Money arrives at the end of a chain: deal in the CRM → order → invoice → open item → payment received → bank balance. The balance is the last link. By the time money lands there, the decision that caused it is months old.
Where each kind of tool plugs into the chain - Deal in the CRMdecision
- Ordercommitted
- Invoiceissued
- Open itemdue on
- Payment receivedbooked
- Bank balanceresult
Foreqast reads here. Accounting, open items and the drivers before them — where the decision can still be changed.
Agicap, Tidely and Commitly read here. Day-accurate and true to the cent — but the cause is months behind.
Foreqast connects your accounting (DATEV, lexoffice, sevDesk) to the sources your revenue comes out of — Shopify, HubSpot, Toggl, Google and Meta Ads — and builds a model of your business from them. Three things follow that account-based tools structurally cannot do:
- Test strategies instead of typing in resultsEnter “+€5,000 ads” in an account-based tool and you see €5,000 less in the bank. In Foreqast the model carries on: more clicks, more customers, more revenue — with a realistic delay until the money lands. The same mechanic for hires, cancellations, price changes and contract switches. Several scenarios side by side, best and worst case compared.
- Four quantities instead of oneCash, profit, margin and stock in one forecast. Your bank says yes and your margin says no — both at once, and anything that only carries payment flows forward cannot tell accruals, prepayments and cost of goods apart. In retail, stock is part of your financial capacity anyway, not just the balance.
- Tipping points instead of balancesNot “this much will be in the account in October”, but “above a CAC of €34 this product runs at a loss from October” — and “at this sell-through the stock runs out on 14 November”.
- What Foreqast cannot do
- No bank connection. The data comes from the accounting including open items — further-looking than bank transactions, but not accurate to the cent as of today. If you need this afternoon's balance, Agicap or Tidely is the better place.
- Price
- from €39 a month, prices online, cancel monthly, first forecast in about 20 minutes. Free on every plan during early access, no card.
Head to head: Foreqast ↔ Agicap
| Criterion | Agicap | Foreqast |
|---|---|---|
| Data it runs on | Banks, ERP | Accounting, open items, revenue drivers |
| Day-accurate bank balance | yes | no |
| Revenue modelled | no | yes |
| Cash forecast | yes | yes |
| Profit forecast | partly | yes |
| Margin forecast | no | yes |
| Stock forecast | no | yes |
| Compare scenarios | yes | yes |
| Project profitability | no | yes |
| Multi-entity, consolidation | yes | partner plan |
| Payment execution, AP/AR | yes | no |
| Price published | no | yes |
| Contract term | usually annual | monthly |
| Start without a sales call | no | yes |
| Hosting | EU | Germany |
When Agicap stays the right choice
- Many bank accounts in several currencies.
- Several entities with a consolidation requirement.
- Payment execution and dunning out of one system.
- An existing finance department that can and wants to run a treasury platform.
Questions buyers ask
What does Agicap cost?
Agicap does not publish pricing. Third-party directories quote figures between roughly €49 and €149 a month; reviews from small companies report over €3,000 a year once several bank accounts are connected. The honest answer: you get a quote after a demo, and what is in it depends on entities, accounts and users.
Can I try Agicap for free?
There is no permanently free tier. The vendor offers a trial, and the way to it usually runs through a demo call. If you want to try something yourself without a conversation, finban, Commitly, flowpilot, re:cap and Foreqast are the alternatives with a self-serve start.
Which alternative is the cheapest?
re:cap has the only free entry, though it is limited to the metrics and cut for recurring revenue. Among the full planning tools finban leads at about €36 a month, closely followed by flowpilot and Foreqast at €39 each. What separates those three is not the price but the data they run on.
Which one works without a bank connection?
Foreqast and helu.io. Both read the accounting rather than the accounts — helu.io backwards as reporting, Foreqast forwards as a forecast including open items. Every other tool on this page needs a bank connection to start usefully at all.
Which one suits Shopify shops?
Foreqast, because a shop is not only a cash question: orders, basket size, refunds, payment-provider payouts, cost of goods and stock belong in the same forecast. Account-based tools show the payout once it has arrived — not whether the margin behind it holds and when the stock runs out.
Which one suits agencies?
finban, for pure invoice and contract planning. If tracked hours, utilisation and project profitability belong in it, Foreqast: that is where time tracking meets payroll, and a hire can be costed before you promise it.
Which one forecasts margin and stock as well?
Of the tools compared here, only Foreqast. The bank-based ones forecast payment flows; margin and stock only appear once revenue, cost of goods and order rhythm sit in the same model. helu.io analyses contribution margins backwards, but does not plan them forwards.
Can I take my data out of Agicap?
Your actual data does not live in Agicap anyway — it lives in the bank and the accounting, and both feed a new tool directly. What you lose is the plan values and scenarios you maintained by hand. Export them as a file before you cancel, and check your contract term: annual contracts often have notice periods.
Sources
Everything stated about another vendor was checked against these pages on 24 August 2026. Scope and pricing change — check them yourself before you decide.
- https://agicap.com/
- https://omr.com/en/reviews/product/agicap/pricing
- https://www.capterra.com.de/software/196637/agicap
- https://foreqast.app/pricing
- https://www.tidely.com/en
- https://www.tidely.com/en/pakete
- https://omr.com/en/reviews/product/tidely/pricing
- https://commitly.com/funktionen/ueberblick-liquiditat/
- https://omr.com/en/reviews/product/commitly
- https://www.finban.io/
- https://omr.com/en/reviews/product/finban-io/pricing
- https://www.capterra.com.de/software/1045961/finban
- https://www.helu.io/
- https://omr.com/en/reviews/product/helu
- https://flowpilot.io/
- https://www.taxandbytes.de/tools/banking-finanzen/flowpilot
- https://omr.com/en/reviews/product/flowpilot
- https://www.re-cap.com/liquidity-management
- https://www.re-cap.com/funding
- https://omr.com/en/reviews/product/re-cap
- https://www.lucanet.com/
- https://erp-software.org/software/lucanet/
- https://www.controllingportal.de/Marktplatz/Software/Jedox.html
Disclosure: this page is published by Foreqast, one of the tools compared. We have tried to describe the others as their own customers would — including where they are the better buy.
A forecast session, 20 minutes
We connect your accounting and your revenue source and calculate through a decision you actually have in front of you right now. If the result tells you nothing, you have lost 20 minutes.
Free during early access · no card required
The app
See your cash twelve months out
- Accounting and shop connected in minutes
- Day-by-day cash, burn rate and runway date
- Plan hires, spend and budgets against it
No credit card. First forecast in about 20 minutes.
Self-check
How much control do you have over your money?
Twelve questions on what you can see, how far ahead, and what your decisions are based on. About three minutes.
Start the self-check