Compare Stessa vs. ZenTreasury in 2026

ZenTreasury

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Average Ratings 9 Ratings

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Description

Stessa allows property investors to easily track, manage, and communicate their real estate portfolio's performance. Stessa is completely free. Stessa is used by over 10,000 investors to optimize their single-family rentals or multifamily buildings. Stessa offers visual performance dashboards, automated income and expense tracking, tax-ready financial reports, and tax-ready financial reports. Stessa can be set up in just minutes. You can add properties and link your financial accounts. Everything updates in real time.

Description

Most finance teams run two systems: one for lease accounting, one for treasury, reconciled by hand. ZenTreasury runs both as one governed subledger, because the ERP that posts the journal entry does not know the contract behind it. ZenTreasury does. Add a lease and the platform generates the full schedule automatically: right of use asset, lease liability, depreciation, interest, and balance carry forward, all following the standard from the moment the lease is saved. Index-linked remeasurement is handled automatically, with index rates, base values, and next indexation dates tracked per contract. Every later change, such as a scope change, term extension, rate revision, or partial termination, recalculates the schedule and logs it with a timestamp and user, so auditors get the before and after picture without asking. On the treasury side: centralised FX position management across forwards, swaps, and cross currency instruments with mark-to-market valuations; internal and external loan tracking with valuation against yield curves and automated interest accrual; trade finance and guarantee monitoring with fee and exposure tracking; and group wide cash flow forecasting with scenario modelling, all multi entity and multi currency. Direct bank connectivity included. One platform, accounting included, priced to the scope you run. Every customer gets a dedicated, isolated database. Lease calculations are independently reviewed by an international audit firm. Connect Claude, ChatGPT, or any MCP client directly to your contract data.

API Access

Has API No

API Access

Has API Yes

Screenshots View All

Track rental property performance in one dashboard

Screenshots View All

Integrations

Roofstock Yes

Explore All 1 Integration

Integrations

Roofstock No

Pricing Details

Stessa is free to use for real estate investors.

Free Trial No

Free Version Yes

Pricing Details

ZenTreasury is priced to the scope you run, with accounting included in the base license. Pricing is based on the contracts, reporting entities, users, bank accounts and modules in scope, not per seat. Modules include IFRS 16 lease accounting, FX, loans and money market, trade finance and guarantees, cash management, and cash flow forecasting. Implementation, dedicated support and custom integrations are scoped to your portfolio and quoted separately. All plans are cloud-hosted with two-factor authentication and Azure/Entra ID SSO. Request a proposal for a written quote.

Free Trial No

Free Version No

Deployment

Web-Based Yes

On-Premises No

iPhone App Yes

iPad App Yes

Android App No

Windows No

Mac No

Linux No

Chromebook No

Deployment

Web-Based Yes

On-Premises No

iPhone App No

iPad App No

Android App No

Windows No

Mac No

Linux No

Chromebook No

Customer Support

Business Hours No

Live Rep (24/7) No

Online Support Yes

Customer Support

Business Hours No

Live Rep (24/7) No

Online Support Yes

Types of Training

Training Docs No

Webinars No

Live Training (Online) No

In Person No

Types of Training

Training Docs Yes

Webinars Yes

Live Training (Online) Yes

In Person Yes

Vendor Details

Company Name

Stessa

Founded

2016

Country

United States

Website

www.stessa.com

Vendor Details

Company Name

ZenTreasury

Founded

2016

Country

Finland

Website

www.zentreasury.com

Product Features

Accounting

Accounts Payable No

Accounts Receivable No

Bank Reconciliation No

Billing & Invoicing No

CPA Firms No

Cash Management No

Cryptocurrency Support No

Expense Tracking Yes

Fixed Asset Management No

Fund Accounting No

General Ledger No

Government No

Multi-Currency No

Nonprofits No

Payroll Management No

Project Accounting No

Purchase Orders No

Tax Management No

Apartment Management

Expense Report

Approval Process Control No

Invoice Management No

Multi-Currency No

Receipt Management Yes

Reimbursement Management No

Spend Control No

Time Tracking No

Workflow Management No

Investment Management

Accounting Management Yes

Benchmarking No

Bonds / Stocks No

Client Management No

Commodities No

Compliance Reporting No

Data Import / Export No

For Investment Advisors No

For Investors & Traders No

Fund Management No

Modeling & Simulation No

Payroll & Commissions No

Performance Metrics Yes

Portfolio Management No

Risk Management No

Lease Accounting

Amortization Schedule No

Asset Management Yes

Billing & Invoicing No

Budgeting & Forecasting Yes

Capitalization Reporting No

Critical Date Alerts No

Expense Tracking Yes

For Equipment Leases No

For Real Estate Yes

Payment Tracking Yes

Portfolio Management Yes

Tax Management No

Lease Management

Billing & Invoicing No

Commercial Leases No

Contact Management No

Landlord Database No

Lease Classification No

Portfolio Management Yes

Property Management Yes

Residential Leases Yes

Retail Leases No

Sublease Management No

Tenant Database No

Real Estate Accounting

Accounts Payable No

Accounts Receivable No

Bank Reconciliation No

Commission Management No

Contract Management Yes

General Ledger No

Mobile Access No

Payroll No

Property Development Management Yes

Reporting / Analytics No

Work Order Management No

Real Estate Investment Management

Real Estate Market Analysis

Real Estate Property Management

Billing & Invoicing No

Commercial Properties No

Contact Management No

Credit Check No

Expense Management Yes

Insurance Management No

Landlord Database No

Late Fee Calculation No

Lease Management No

Maintenance Management No

Owner Portal Yes

Payment Processing No

Portfolio Management Yes

Rent Tracking Yes

Residential Properties Yes

Tax Management Yes

Tenant Database No

Tenant Portal No

Vacancy Tracking Yes

Website Management No

Rental Property Management

Credit Check No

Expense Management Yes

Online Payments No

Owner Portal Yes

Tax Management Yes

Tenant Management No

Tenant Portal No

Tenant Screening No

Vacancy Tracking Yes

Website Management No

Product Features

Cash Flow Forecasting

Currency Exchange

Analytical Reporting No

Client Management No

Custom Account Statements No

Data Backup Scheduling Yes

For Money Exchanges No

Margin Management No

Market Data Access Yes

Position Management Yes

Real Time Currency Quotes No

Real Time Tracking No

Transaction Management Yes

Finance

Investment Management

Accounting Management Yes

Benchmarking No

Bonds / Stocks No

Client Management No

Commodities No

Compliance Reporting No

Data Import / Export Yes

For Investment Advisors No

For Investors & Traders No

Fund Management No

Modeling & Simulation No

Payroll & Commissions No

Performance Metrics No

Portfolio Management No

Risk Management Yes

Lease Accounting

ZenTreasury serves as the specialized lease accounting subledger tailored for the Office of the CFO. Input a lease just once, and it automatically generates a comprehensive schedule that includes the right of use asset, lease liability, depreciation, interest, and balance carry forward, all in compliance with standards from the outset. The system effortlessly manages index-linked remeasurement. Any adjustments—such as changes in scope, term extensions, rate modifications, or partial terminations—trigger a recalculation of the schedule along with a detailed log that captures the change along with the user and timestamp. This allows auditors to see both the original and updated versions without needing to request additional information. Designed to accommodate multi-entity and multi-currency portfolios, each customer is provided with their own distinct and secure database. The platform also incorporates Single Sign-On (SSO), Multi-Factor Authentication (MFA), and role-based access controls. Lease calculations undergo independent review by a globally recognized auditing firm, and journal exports are compatible with any ERP system.

Amortization Schedule Yes

Asset Management Yes

Billing & Invoicing No

Budgeting & Forecasting Yes

Capitalization Reporting Yes

Critical Date Alerts Yes

Expense Tracking Yes

For Equipment Leases Yes

For Real Estate Yes

Payment Tracking Yes

Portfolio Management Yes

Tax Management No

Real Estate Investment Management

Treasury

ZenTreasury serves as the specialized accounting subledger for treasury operations, designed specifically for the Chief Financial Officer's office. It transforms foreign exchange transactions, loans, and guarantees into compliant journals, valuations, and disclosures, which are subsequently passed to the General Ledger/Enterprise Resource Planning system. The platform supports FX forwards, swaps, and spot transactions with real-time rates and mark-to-market capabilities. It also manages loans and money market transactions through discounted cash flow valuation aligned with yield curves and automates interest accrual processes. Additionally, it handles guarantees and trade finance by tracking fee accruals and monitoring exposure. Group-wide cash flow forecasting is available across various subsidiaries and currencies. Each client is provided with a unique, secure database environment. Features include multi-entity and multi-currency support, single sign-on (SSO), multi-factor authentication (MFA), role-based access controls, and direct connectivity to banking systems. An audit trail is maintained for every field across all transactions and valuations. Users can integrate with AI models like Claude or ChatGPT through a read-only MCP server, and journals can be exported to any ERP system seamlessly.

Cash Management Yes

Debt Management Yes

For Government Yes

For Hedge Funds Yes

Forecasting Yes

Liquidity Management Yes

Payment Management No

Risk Management Yes