Centime packages cash forecasting with AP automation and credit lines — a broader platform than most CFOs need. TreasuryFlow focuses on what you check every morning: live cash position, 13-week forecast, and Excel. At a publicly listed $399/mo.
| Feature | TreasuryFlow | Centime |
|---|---|---|
| Price | $399/mo flat — public listing | Custom — requires sales call |
| Direct Bank Connectivity | Plaid (any US bank) | Yes |
| Real-Time Bank Balances | Yes — live via Plaid | Yes |
| 13-Week Cash Forecast | Auto-updating AI model | Forecasting included |
| AI Transaction Categorization | Gemini AI (3-tier pipeline) | No |
| AI Treasury Assistant | Natural-language chat | No |
| Native Excel Add-in | Yes — live data in Excel | No |
| Google Sheets Add-on | Yes | No |
| AP Automation | Not included | Core feature |
| AR Collections Management | Not included | Core feature |
| Morning Digest Email | 7am ET auto-briefing | No |
| Cash Health Score | 0–100 score, shareable | No |
| Scenario Planning | What-if analysis | Limited |
| QuickBooks Sync | Bidirectional | Read-only |
| P&L Reporting | With period comparison | Not core |
| Setup Time | Under 1 hour, self-serve | Multi-week onboarding |
| Free Trial | 14 days, no credit card | Demo only |
| Pricing Transparency | $399/mo — listed publicly | Contact for pricing |
Competitor features and pricing last verified April 2026. Report an inaccuracy.
Centime requires a sales conversation before you know what you'll pay. TreasuryFlow is $399/month, listed on the homepage, with a 14-day free trial you can start right now. No demo request, no waiting for a quote.
Centime is web-only. TreasuryFlow is the only cash flow platform with a native Microsoft Excel Add-in — live bank data and your 13-week forecast delivered directly into the workbook your team already uses for financial modeling.
TreasuryFlow includes a natural-language treasury assistant powered by Gemini AI. Ask "Will I make payroll on the 15th if we lose our largest client?" and get a specific answer from your actual bank data — in seconds.
Centime is a broader working capital platform — it does AP automation, AR collections, and credit lines alongside forecasting. If you just need live cash position, 13-week forecast, and Excel integration, TreasuryFlow is the focused, simpler choice at a fraction of the complexity.
TreasuryFlow connects to your banks via Plaid, syncs transactions, and generates your first forecast in under an hour — self-serve, no implementation team, no IT ticket. Centime's broader platform typically requires multi-week implementation.
Every day at 7am ET, TreasuryFlow sends a digest email with your net cash, runway, top inflows and outflows, and variance alerts. A daily treasury ritual that requires zero logins — a feature Centime doesn't offer.
Live bank data. 13-week forecast. Excel-native. $399/mo, public pricing.
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