A consulting firm that publishes its prices. A platform that shows you the number before the call.
NaviStrat operates two product lines. Ko$ha — our AI-powered treasury management platform — has published prices for every tier, every module, and every add-on. Our advisory engagements are priced by scope and complexity, but we give you ranges before we ask for a meeting. Both lines are designed to be financially worthwhile for you and financially viable for us. If the numbers don't work, we will tell you.
Ko$ha — by NaviStrat
Three tiers. One transparent price list.
Enterprise capability at mid-market price. No implementation fee. 90-day deployment included.
Starter
Single-entity
Your first step beyond spreadsheets — and a serious one.
Billed annually · $30,000/year
2-year: $2,250/mo · 3-year: $2,000/mo
6-month minimum initial term
Why this pays for itself
- →Eliminates 15–20 hours/month of manual bank statement reconciliation.
- →Replaces $12,000–$40,000/year in spreadsheet maintenance and manual reporting overhead.
- →90-day deployment included — no implementation invoice before you see value.
- Cash Management — morning position, 13-week forecast, daily reconciliation
- Bank Account Registry — up to 15 accounts, 1 entity
- Transaction Search & Analysis
- Basic Alerts & Thresholds
- SENTINEL Foundation — role-based access, audit trail, basic SOD
- 90-day onboarding pathway included (no implementation fee)
- AI configuration agent — initial setup & ongoing improvement
- Sandbox + Production environments
- Email support — 24-hour SLA
- NaviStrat benchmarking — bank fee comparison (read-only)
Not in this tier
—Multi-entity support
—Payments & Controls module
—FX & Exposure module
—ERP integration
—Full SENTINEL compliance suite
Ko$ha Starter includes free Intelligence Hub access.
Professional
Up to 8 entities
The complete Ko$ha platform for treasury teams running a real function.
Billed annually · $66,000/year
2-year: $4,950/mo · 3-year: $4,500/mo
12-month minimum initial term
Why this pays for itself
- →Replaces $80,000–$150,000/year in enterprise TMS cost — at a fraction of the complexity.
- →Eliminates $50,000+ implementation fee charged by every alternative at this capability level.
- →FX and payment controls typically recover $40,000–$200,000/year in avoidable losses within 12 months.
- Everything in Starter, plus:
- Multi-entity support — up to 8 legal entities
- Up to 50 bank accounts
- Payments & Controls — full dual-control workflow
- FX & Exposure — hedge register, IFRS 9 designation, exposure dashboard
- Debt & Investment — loan register, covenant tracking, maturity ladder
- Treasury Board Pack generator — automated CFO reporting
- Full SENTINEL suite — SOX, IFRS 9, EMIR, SWIFT CSP compliance maps
- ERP integration — SAP S/4HANA, Oracle, NetSuite (pre-built connectors)
- AI forecasting — ML-enhanced 13-week and 90-day cash forecasts
- 4-environment architecture — Sandbox, Dev, UAT, Production
- Priority support — 4-hour SLA
Professional clients receive 15% off NaviStrat Advisory Retainer rates.
Command
Unlimited scale
Unlimited scale. Full SENTINEL command. Dedicated Navigator.
Billed annually · $144,000/year
2-year: $10,800/mo · 3-year: $9,800/mo
12-month minimum initial term
Why this pays for itself
- →Equivalent enterprise TMS + implementation + advisory costs: $400,000–$800,000 in year one.
- →12 hours/month of senior Navigator time included — $3,000–$4,800/month market rate.
- →Full SENTINEL compliance depth replaces $50,000–$100,000/year in external compliance consulting.
- Everything in Professional, plus:
- Unlimited entities and bank accounts
- Multi-jurisdiction cash pooling
- Full FX hedge accounting and netting engine
- SENTINEL Command Center — full risk posture dashboard
- Dedicated NaviStrat Navigator — 12 hours/month included
- Quarterly advisory reviews (included)
- Custom ERP data model & integration engineering
- White-glove onboarding — 30-day accelerated deployment
- Executive steering committee support
- Multi-year commercial arrangement available
Command clients receive a named Navigator (12 hrs/month) and quarterly advisory reviews included in the subscription.
All Ko$ha prices are published list prices in USD billed annually.
No custom quotes. No hidden fees. No implementation tax. 90-day deployment pathway included in every tier.
À la carte module pricing
Add any module to any tier. Prices are per month, billed annually.
Module
What it adds
Add to any tier
Cash Management Extended
Morning position, 13-week forecast, intraday waterfall, reconciliation, sweeps
+$600/mo
Payments & Controls
Dual-control payment workflow, SWIFT/ISO20022, sanctions screening
+$850/mo
FX & Exposure
Hedge register, IFRS 9 designation, exposure dashboard, VaR summary
+$720/mo
Debt & Investment
Loan register, covenant tracking, maturity ladder, investment allocation
+$580/mo
SENTINEL — Full Suite
SOX, IFRS 9, EMIR, SWIFT CSP compliance maps + fraud detection + audit command
+$950/mo
Treasury Board Pack
Automated CFO/Board reporting package with PDF generation
+$480/mo
ERP — Additional Instance
SAP S/4HANA, Oracle, or NetSuite pre-built connector + reconciliation mapping
+$650/mo
Entity Expansion (per 3 entities)
Add legal entities beyond your tier limit in blocks of 3
+$420/mo
Bank Account Expansion (per 15)
Add bank accounts beyond your tier limit in blocks of 15
+$280/mo
Navigator On-Demand (2hr block)
Senior NaviStrat practitioner on-demand for project or advisory work
+$480/mo
Bundle options
Pre-packaged module combinations with bundle discount applied.
Cash + Payments Bundle
Save 15%Cash Management Extended + Payments & Controls + Bank Account Expansion
$1,905/mo
billed annually · add to any tier
FX & Risk Bundle
Save 18%FX & Exposure + Debt & Investment + SENTINEL Full Suite
$1,885/mo
billed annually · add to any tier
ERP Integration Bundle
Save 15%ERP Additional Instance + Navigator On-Demand + Treasury Board Pack
$1,370/mo
billed annually · add to any tier
Full Platform Add-On
Save 22%All modules — maximum treasury depth at one price
$5,300/mo
billed annually · add to any tier
Market Context — Sourced
Where Ko$ha sits in the market.
The charts below are built from public pricing pages, third-party research platforms, and practitioner knowledge — every data point is cited.
Sources — All data points cited
Published base package: $24K/year (1 bank, 100 accounts, cash visibility only). TMS / enterprise tiers are "contact sales".
trovata.io/pricingThird-party research citing $65K–$190K/year in subscription. Year 1 total cost (including implementation) estimated $125K–$385K. No pricing published on kyriba.com.
checkthat.ai — Kyriba Reviews"No published pricing tiers." GTreasury directs all pricing to sales. Acquired by Ripple for $1B in October 2025.
checkthat.ai — GTreasury"Trovata is the only platform in this set with a published starting price of $24,000 per year."
DebtBook — GTreasury Alternatives 2026Annual cost comparison — entry level / minimum known commitment
Shaded bands on Kyriba & GTreasury represent estimated range (no published pricing). All figures in USD thousands.
¹ Trovata $24K = published base package only. Full TMS pricing is "contact sales" and not publicly available. ² Kyriba range from CheckThat.ai third-party research (June 2026) — not published by Kyriba. ³ GTreasury pricing undisclosed; bar shows third-party market consensus range.
This comparison is maintained by NaviStrat and updated as vendors publish new information. It is not an exhaustive TMS market study. All competitor data is drawn from publicly available sources and cited above. Ko$ha pricing is published on this page.
What does Ko$ha actually return?
Enter your real numbers. See the savings instantly — before any call, before any contract.
Your treasury profile
Treasury FTEs
Full-time equivalents in your treasury function
Average FTE fully-loaded cost
Annual salary + benefits + on-costs
Bank accounts managed
Total accounts across all entities and banks
Payments processed per month
Outgoing payments across all entities
FX volume (monthly)
Foreign currency transactions in USD equivalent
Payment error / exception rate
% of payments requiring manual correction
Current TMS / infrastructure cost
Annual spend on your existing TMS, spreadsheet tools, or manual processes
Net annual benefit
$210K
vs. Ko$ha Professional at $66K/yr
3-Year ROI
318%
Payback period
3 mo
FTE time freed
$141K
38% of treasury labor automated
Recon hours saved
475 hrs
Across all bank accounts/year
Error/exception savings
$59K
156 exceptions eliminated/year
FX execution gains
$48K
~8bps improvement in FX rates
Want NaviStrat to validate your numbers?
A 30-minute call with a senior practitioner to pressure-test this estimate against your actual situation.
Build your Ko$ha configuration.
See the real number before any call. No surprises.
1 — Base tier
2 — Add modules
3 — Advisory layer
Your estimated total
$66,000/year billed annually
All prices in USD billed annually. Advisory retainer pricing shown as starting range — final rate confirmed after scoping call. Ko$ha subscription pricing is fixed list price.
Competitive Landscape
Ko$ha vs. the market.
Every competitor publishes zero pricing. We publish all of it — because we're confident in what it buys.
How we built this comparison: Ko$ha pricing is published on this page. Trovata pricing is sourced directly from trovata.io/pricing. Kyriba and GTreasury do not publish pricing — their ranges are from verified third-party research (CheckThat.ai, DebtBook). Feature data is based on public product documentation and G2/Capterra listings as of June 2026. All sources are cited below the table.
Ko$ha
PublishedFrom $2,500/mo
$30K/year — full platform
Capability
Ko$ha
Trovata
Kyriba
GTreasury
No implementation fee2
Full cash management5
Payments & Controls (dual-control)5
FX & Exposure / IFRS 95
Debt & Investment module5
SOX-grade audit trail (SENTINEL)5
AI forecasting native5
SAP S/4HANA native integration15
4-environment Dev/UAT architecture5
Embedded advisory included5
90-day deployment guarantee5
Last verified: June 2026
Sources & Methodology
trovata.io/pricing — base package $24K/year (1 bank, 100 accounts, cash visibility). TMS tier pricing is "contact sales".
https://trovata.io/pricingNo pricing published on kyriba.com. Third-party research (CheckThat.ai, June 2026) cites $65K–$190K/year in subscription fees; Year 1 total costs of $125K–$385K including implementation.
https://checkthat.ai/brands/kyriba/reviewsNo pricing published. GTreasury.com directs all inquiries to sales. CheckThat.ai (June 2026): "No published pricing tiers." Ripple acquired GTreasury for $1B in Oct 2025.
https://checkthat.ai/brands/gtreasuryDebtBook (2026): "Trovata is the only platform in this set with a published starting price of $24,000 per year."
https://www.debtbook.com/blog/gtreasury-competitors-alternativesCapability classifications based on publicly available product documentation, G2/Capterra feature listings, and NaviStrat practitioner research as of June 2026. "Partial" = available as an add-on, limited in scope, or requires additional configuration/cost.
Common Questions
Why do you publish Ko$ha pricing when no competitor does?
Because opacity creates anxiety and waste before the relationship has even started. Our pricing is a competitive weapon, not a vulnerability. If a prospect can see the number before the call, they arrive at that call already informed — and we spend the time on fit, not on explaining what things cost.
Why don't you publish a fixed price for advisory engagements?
Because a rate card would misrepresent how we work. Treasury transformation is not a commodity service. We price based on the scope of the specific problem, the team required to solve it, and the outcomes we are committing to deliver. We give you ranges — so you know what to expect — but we confirm the number after we understand the scope.
Is there really no implementation fee for Ko$ha?
Correct. The 90-day onboarding pathway is included in every Ko$ha subscription tier. No separate implementation fee, no professional services charge to see a live screen. This eliminates the single biggest barrier to mid-market TMS adoption: the upfront commitment before value is proven. Our cost to absorb onboarding is recovered through the subscription.
Do Ko$ha subscribers get a discount on advisory services?
Yes. Ko$ha Professional and Command subscribers receive 15% off Advisory Retainer rates. This reflects the reality that the platform and the advisory are most powerful in combination — and that clients who hold a platform subscription reduce the advisory overhead (we are not explaining treasury basics; we are doing the strategic work).
What does the Command tier's 'dedicated Navigator' actually mean?
A named NaviStrat Navigator — a senior treasury practitioner with domain expertise relevant to your business — is included in your Command subscription. This is not a support rep. This is someone who has run treasury at scale and is available for quarterly reviews, strategic input, and escalation support. It is the advisory layer built into the platform tier.
How does Ko$ha compare to Kyriba or GTreasury?
Ko$ha Starter at $2,500/month ($30,000/year) is 60–80% cheaper than the smallest coherent Kyriba engagement ($80,000–$150,000/year plus implementation). Ko$ha Professional at $5,500/month delivers the full platform — 6 modules, SENTINEL, 4-environment architecture, ERP integration — for what Kyriba charges for a scoping conversation. GTreasury is comparable in price but without published pricing, without a 90-day deployment guarantee, and without the practitioner-built advisory layer Ko$ha includes by default.
What are the minimum contract terms?
Starter: 6-month minimum initial term, then month-to-month. Professional and Command: 12-month minimum initial term, then annual renewal. Month-to-month billing is available on all tiers at a 28% premium to the annual rate. 2-year arrangements reduce the annual rate by 10%; 3-year by 20%. Multi-year arrangements are structured as a single commercial agreement — not auto-renewing.
Start with a 30-minute walkthrough. No pitch. No pressure.
A senior NaviStrat treasury practitioner will walk you through Ko$ha, answer every pricing question honestly, and tell you which tier — or which advisory engagement — is actually right for your situation. If we're not the right fit, we'll tell you that too.