Tool profile
Commitly: cost, fit and limits
Commitly is a cash planning and liquidity platform made by Commitly GmbH of Austria that links to business bank accounts and accounting tools, builds rolling forecasts and scenarios, and adds an AI layer that proposes changes for a person to approve.
What to know first
Commitly sells four tiers, from Basis at EUR 55 a month on monthly billing to a custom Enterprise tier. The forecast, scenarios and 13-week overview are in every tier, while the AI Connect MCP server is an add-on on the two cheaper ones and included from Professional. The privacy page names Frankfurt as the data location. Longer terms cut the first-period price, and the free trial needs an EU or Swiss company bank account.
Commitly at a glance
| Maker | Commitly GmbH, Austria |
|---|---|
| Free plan | Free trial only |
| Entry price | EUR 55 per month, excluding VAT |
| API access | Yes |
| Category | Best AI Cash Flow Forecasting Software in 2026, rank 1 of 11 |
| Website | commitly.com |
Who Commitly is best for
Companies on DATEV or lexoffice
The pricing page names DATEV and lexoffice among its connections, so German bookkeeping setups can feed the forecast without manual exports.
Owners who want an assistant to draft scenarios
AI Connect lets Claude or ChatGPT analyze accounts and add scenarios, and nothing takes effect until a person approves it.
Groups with several legal entities
Professional covers three companies with consolidation and a group dashboard, and Enterprise adds intercompany planning and multi-currency in a group currency.
Commitly plans and pricing
| Plan | Price | What it includes |
|---|---|---|
| Basis | EUR 55.00 per month, monthly billing, excl. VAT | One company, one online account, one user, rolling forecast, one limited open-items integration, plans, scenarios, reports and dashboards. |
| Business | EUR 105.00 per month, monthly billing, excl. VAT | Adds five online accounts, three users, plan-versus-actual variances, roles, comments, a direct API, PayPal, Stripe and card providers. |
| Professional | EUR 195.00 per month, monthly billing, excl. VAT | Adds three companies, ten online accounts, five users, consolidation, a group dashboard and the AI Connect MCP server. |
| Enterprise | Custom quote | Unlimited companies, users and accounts, intercompany planning, group-currency multi-currency, an EBICS interface, an audit trail and a migration service. |
Checked November 2026.
What Commitly does
- COMMITLY AI
- The page lists AI Insights, Smart Planning and Commitly Advisory, and describes them as traceable and subject to approval, in line with the EU AI Act as the vendor frames it.
- AI Connect MCP server
- An outside assistant such as Claude or ChatGPT can analyze the connected accounts and add scenarios. The vendor states that nothing applies until a person approves it, so the assistant proposes and the team decides.
- Short-term and 13-week views
- Forecasts cover the short term with a 13-week overview, and scenarios can be prepared for investors and banks, which fits a lender conversation where the next quarter matters more than the next year.
- Open items and approvals
- Open items are managed inside the tool with team approvals, and Business adds roles and comments on the plan, so several people can discuss a forecast line without leaving the platform.
- Invoice processing and company cards
- Beyond forecasting, the platform handles invoice processing and company cards, and Pleo and Pliant are named among the card providers, which lets spending reach the forecast without a manual import.
How Commitly handles your data
The privacy page states that platform data sits on dedicated servers in AWS Frankfurt and that the website runs on AWS Amplify in the same Frankfurt region (eu-central-1). Data is kept for the length of the platform contract, and legal retention duties can extend that. The page does not mention model training, and it names no certification for Commitly itself, so the vendor's policy was not checked for AI data use. Ask for the sub-processor list that covers the AI provider before enabling AI Connect.
Where Commitly falls short in practice
- AI is an add-on on cheap tiers. The MCP server costs extra on Basis and Business, so a team that wants AI on the lowest tiers pays more than the headline price shows, and the add-on price was not visible in the text we read.
- Trial needs a European bank account. Trying the features requires an EU or Swiss company bank account, which rules out quick tests by companies banking elsewhere and by freelancers who only want to see a sample company first.
- EBICS only on Enterprise. The EBICS bank interface is listed for Enterprise only, so companies that rely on it for bank access must negotiate a quote rather than start on a printed tier.
Works with
Alternatives to Commitly
Commitly: common questions
Does Commitly apply AI changes to my plan automatically?
No. The vendor states that AI Connect proposals and the COMMITLY AI features are traceable and subject to approval, and that nothing applies until approved. A person on your team stays in the loop, which is worth testing during the trial by asking the assistant to change a scenario.
Which Commitly plan includes the MCP server?
Professional, at EUR 195 a month on monthly billing, includes AI Connect. On Basis and Business the pricing page lists AI and the MCP server as an add-on, with its own price not shown in the text we read, so ask for the add-on cost before choosing a lower tier.
How does Commitly bill longer terms?
The pricing page shows a 12-month term at EUR 33 for the first six months and then EUR 55, billed yearly, and a 24-month term at EUR 27.50 for the first 12 months, for Basis. Monthly billing is EUR 55 excluding VAT, as of the page dated 3 October 2026.
Where does Commitly store customer data?
The privacy page states dedicated servers in AWS Frankfurt for platform data and AWS Amplify in Frankfurt (eu-central-1) for the website. It lists no Commitly certification, and it says that sub-processors' own certifications are not Commitly's, so a security questionnaire may be needed.
Can Commitly handle several companies in one view?
Professional includes three companies with consolidation and a group dashboard, and Enterprise has unlimited companies, intercompany planning and multi-currency in a group currency. Basis and Business are for a single company, so a group of companies needs at least Professional.