Float Review 2026: Cash Flow Forecasting From $105 a Month

Float is cash flow forecasting software that reads actuals and open invoices from Xero or QuickBooks Online and turns them into a rolling forecast with scenarios. It sits between a spreadsheet model and a full FP&A platform, and it is the first pick in our best cash flow forecasting tools ranking.

This review is for a controller, fractional CFO or founder deciding whether Float's fee beats maintaining a 13-week model by hand. It covers what each plan costs on monthly and annual billing, how revenue and entity count decide the bill, what the integrations rule out, and which tools to compare. Prices and features come from Float's pricing page and small business pricing page, read on October 21, 2026. CFOpresso does not test products hands-on, so forecast accuracy is not rated here.

Toolradar data: Float is listed as an alternative to 37 other tools in the catalog of Toolradar, the software directory we run, joint 17th of 633 finance tools, and only 31% of those finance tools offer a free plan, as of October 2026. Float has none, so the 14-day trial is the only no-cost way in.

Float connects to one accounting ledger per company, pulls bills, invoices and bank balances, and projects cash forward on two horizons: a 13-week rolling view for weekly decisions and a monthly view that reaches 12 months on Small Business and 36 months on Growth and Scale. Eight scenarios on every plan let a finance team model a hire, a lost customer or a funding delay against the base case.

It is a cash forecasting tool rather than a full budgeting or FP&A suite, and it has no ledger connector beyond Xero and QuickBooks Online, though Float says direct Sage Intacct and iplicit connections are in development with waitlists open.

Revenue sets the plan. Float takes revenue from the accounting platform when a company connects, using the most recent full financial year report. Under £2 million puts you on Small Business; over it, Growth or Scale. A US company crossing that line moves up a tier whether or not it needs the extra features, so budget for Growth a year before revenue gets there.

Entities set the Scale bill. Growth covers a single entity. Scale adds multi-entity consolidation, with currency conversion across companies, for up to five entities, and each entity beyond five costs $63 a month on annual billing or $78 monthly, per the pricing page.

Users are not metered. Every plan includes unlimited users with three roles, Admin, Editor and Viewer, so sharing the forecast with a CEO or lender adds nothing to the bill. Two-factor authentication is mandatory for Xero users, and single sign-on through the accounting platform covers the initial user.

Float's pricing page and small business page, read in US dollars on October 21, 2026, list three self-serve plans, excluding VAT and sales tax. Float advertises a 20% saving for annual billing on every plan.

A year of Float costs $1,260 to $3,780 on annual billing. Twelve months of Small Business at the annual rate is $1,260, against $1,560 paid monthly; Growth is $2,580 against $3,180; Scale is $3,780 against $4,668, our arithmetic on the printed monthly figures. Float will invoice annually for bank transfer, while most customers pay monthly by card.

Entities push Scale up fast. A group with seven entities on Scale pays for two entities beyond the included five: $441 a month on annual billing, or $5,292 a year, our arithmetic. On monthly billing the same group pays $545 a month.

Against rivals, Float is mid-priced. Pulse sells its basic plan at $29 a month and Fathom's Pro plan starts at $59 a month for one company, while Agicap prints no price and requires a 12-month contract. Float costs more than Pulse or Fathom, and buys a forecasting-first product built around the 13-week view.

Float fits a finance team of one to five people at a company on Xero or QuickBooks Online that reviews cash weekly and reports to a board or lender monthly. Fractional CFOs running several clients, and groups with a handful of entities in different currencies, get the most from Scale's consolidation.

Skip Float if your ledger is NetSuite, Sage Intacct or Business Central, because it cannot connect today; the FP&A software pricing comparison covers tools that do. Skip it too if cash is predictable enough that a spreadsheet works: our 13-week cash flow forecast guide shows how to build one for free.