finban alternatives: when a driver model beats a payment plan

The short answer

If you only read one section, read this one. The rest of the article shows the working.

• Bank-accurate liquidity with contracts, on invoice-driven revenue → finban
• You want the simplest possible bank view instead → Commitly
• Orders, subscriptions or hours drive your revenue and you want them modelled → Foreqast

None of those sentences is a ranking. These products answer different questions, and the wrong one bought well is still the wrong one.

How this comparison works

We are Foreqast, so read the last-but-one section first if you want to know where the bias would be. The rule we hold ourselves to here: every claim about another product comes from that vendor's own site or from public review directories, checked on 24 August 2026, and every tool gets a verdict saying when it beats us. Where a vendor does not publish a price, this article says so instead of guessing.

What we do not do is score these tools out of ten. A weighted table can be made to say anything, and the weights are always the author's. Instead each product gets a plain description of what it is for, what it does well, where it stops, and the kind of company it fits.

The tools at a glance

What separates these products is not the length of their feature lists. It is where the future numbers come from — because that decides which questions the tool can answer at all.

How these tools build a forecast

Almost every difference further down comes back to this. A tool can only tell you about the future in the language it builds the future in.

From payments and invoices

Every expected in- and outflow is a dated line: this invoice on that day, this contract every month, this supplier on those terms. It is precise where the future is already contracted, and it is the right model for a business that mostly bills projects and retainers. It gets laborious where the future is not a list of payments but a pattern — a shop's orders, a product's subscribers.

From drivers

Revenue is a formula rather than a line: orders times basket size minus refunds, subscribers times price minus churn, booked hours times rate. Change one input and everything downstream — margin, cash, runway — recalculates. It takes more thought to set up than a bank connection, and it is the only one of the four that answers "what happens if" without a second spreadsheet.

From the bank account

Balances and transactions come in over a banking API, and the future is the known items — open invoices, standing orders, recurring costs — laid on top of today's balance. It is the fastest thing to set up and the hardest to argue with, because the starting point is real money. What it cannot tell you is why next quarter looks the way it does: revenue that has not been invoiced yet has to be typed in as an assumption.

The tools in detail

Each product on its own terms: what it is, what it is genuinely good at, where its scope ends, what it costs, and the company it suits best.

finban

Liquidity planning for project-driven businesses: bank and invoice data become a daily cash plan, with scenarios and an assistant that flags irregularities. (website)

What it does well

• Direct bank connections — the vendor names more than 3,000 institutions — so actuals arrive without exports.
• Contract management and scenarios sit in the same tool as the plan.
• Published pricing and a trial without a credit card, which is rare in this category.
• Hosted in Germany on ISO-certified servers, which matters to a lot of buyers here.

Where it stops

• The plan is built from payments and invoices; there is no driver model that turns orders or subscriptions into revenue.
• That means a price change or a bigger ad budget has to be entered as an assumption rather than costed through.

Price: Published; listings put the Starter plan at €26.25 a month billed annually (one bank account, one user) or about €36 billed monthly, with Business at €48.75 and Pro at €90. Free trial, no card required.

Best for: Agencies, SMEs and startups with project or invoice-driven revenue that want bank-accurate liquidity, contracts in the same place, and a price they can read on the website.

Foreqast

A forecast built from your accounting plus the drivers your revenue actually runs on — orders and basket size, subscriptions, tracked hours — with a simulator for testing a decision before you make it.

What it does well

• Revenue is a formula, not a trend line: change a driver and the forecast recalculates through to margin and cash.
• Cash and profit come out of one model, with margin in total and per unit beside them.
• Decisions sit next to the plan — a hire, an ad budget, a cancellation — and can be compared with and without.
• Shop, billing and time-tracking data feed the drivers, so the plan does not need weekly upkeep.

Where it stops

• It builds on your accounting rather than on bank connections, so it is not a treasury tool for many accounts and currencies.
• No consolidation across a group of companies today; multi-entity is the partner plan's territory.
• It is in early access, so the customer list is short and some things are still on the roadmap.

Price: €39, €149 and €399 a month, published; partner plans from €800 on request. Free on every plan during early access, no card.

Best for: Shops, agencies and small SaaS teams whose revenue moves with something countable — orders, subscriptions, booked hours — and who want to cost a decision before making it rather than watch a balance.

Commitly

A deliberately simple cash overview from your bank accounts: balances, automatic categorisation and a forecast that updates several times a day. (website)

What it does well

• Fast to set up — minutes, not a project — with a 14-day trial.
• Bank coverage across Germany and Austria, synced up to four times a day.
• A 13-week operational view and a 90-to-360-day view from the same data.
• A VAT forecast, which is the payment that surprises small companies most often.

Where it stops

• The forecast projects the account rather than modelling where revenue comes from.
• Fewer features by design: if you want to cost a price change through to margin, that is not the job it took on.

Price: Published; listings put the entry plan at about €45.83 a month plus VAT, with a 14-day trial.

Best for: Small businesses and freelancers who want a trustworthy cash view this afternoon, with bank data and VAT in it, and no interest in building a model.

What to check before you buy

Questions worth asking any vendor on a demo call, including us. The answers separate these tools faster than any feature list.

Does your revenue arrive as invoices or as events?

Project invoices and retainers are things you can plan directly. Orders, subscriptions and tracked hours are events that add up — planning them one payment at a time loses the pattern.

How often does a driver change?

If your prices, basket size or churn move a few times a year, an assumption is fine. If they move monthly, you want them as inputs rather than as typed numbers.

Do you need bank balances or a model?

finban connects banks directly, which Foreqast does not; Foreqast builds on the accounting where invoices already carry their due dates. Both are defensible — they answer different questions.

Is a decision a scenario or a copy of the plan?

Ask to see how each tool handles a single decision: switched on and off beside the baseline, or a duplicated plan with different numbers.

When Foreqast is the wrong tool

A comparison written by one of the products in it owes you this section, so here it is without hedging.

• You want direct bank connections in the planning tool — finban has them, Foreqast does not.
• Your revenue is a handful of contracted invoices you already know by heart.
• You need contract management and liquidity in one place more than you need a revenue model.

Sources

The vendor claims above were checked against these pages on 24 August 2026. Scope and pricing change — check them yourself before you decide.

• https://www.finban.io/
• https://omr.com/en/reviews/product/finban-io/pricing
• https://www.capterra.com.de/software/1045961/finban
• https://foreqast.app/pricing
• https://commitly.com/funktionen/ueberblick-liquiditat/
• https://omr.com/en/reviews/product/commitly

Disclosure: this article is published by Foreqast, one of the tools compared. We have tried to describe the others as their own customers would.