Float
Float · Edinburgh, Scotland · founded 2012
What it is
Float turns data from connected accounting software or ERP into rolling cash-flow forecasts for finance teams. It offers weekly and 13-week views, plus monthly forecasts extending up to three years on Growth and Scale. Users can adjust income and costs, model what-if scenarios, and estimate new-hire costs. Invoices and bills show expected payment dates based on client payment behavior. Float integrates with Xero and QuickBooks Online; a direct Sage Intacct connection is listed as coming soon. It does not connect directly to banks, and transaction data arrives through the accounting platform. Sync occurs every 24 hours, with manual syncing available. Teams can comment on budget lines, invoices, bills, or payments, tag colleagues, and receive mentions. Admin, Editor, and Viewer roles manage access. Security listings include encryption, multifactor authentication, role-based access, and Cyber Essentials auditing. Plans start at $105 a month billed annually; there is a 14-day trial and no free plan.
For and against
For
- Weekly, 13-week, and extended monthly forecasts
- What-if scenarios and hiring-cost modeling
- Xero and QuickBooks Online integrations
- Comments, tags, and mention notifications
- Multi-entity Scale plan
Against
- No direct bank connections
- No free plan
- Data syncs every 24 hours
- Sage Intacct connection is not yet direct
The verdict
Float combines forecasting, scenario planning, collaboration, and role controls around accounting-platform data. Its annual starting price and lack of direct bank feeds should be weighed against the forecast horizon and team features.
Who it suits
It suits growing finance teams and accountants, bookkeepers, or fractional finance leaders advising clients. Organizations needing direct bank feeds should note Float relies on connected accounting platforms.
Plans and prices
Essentials
Unlimited users · 8 scenarios · 13-week cash flow · 12-month forecasts
Read 20 Sep 2026 · floatapp.com
Growth
Unlimited users · 8 scenarios · 13-week cash flow · 36-month forecasts
Read 20 Sep 2026 · floatapp.com
Scale
Up to 5 entities · Unlimited users · 8 scenarios · 13-week cash flow
Read 20 Sep 2026 · floatapp.com
Essentials (annual)
Below £2m revenue · unlimited users · 8 scenarios · 13-week cash flow
Read 30 Sep 2026 · floatapp.com
Essentials (monthly)
Below £2m revenue · unlimited users · 8 scenarios · 13-week cash flow
Read 30 Sep 2026 · floatapp.com
Growth (annual)
Over £2m revenue · single entity · unlimited users · 8 scenarios
Read 30 Sep 2026 · floatapp.com
Growth (monthly)
Over £2m revenue · single entity · unlimited users · 8 scenarios
Read 30 Sep 2026 · floatapp.com
Scale (annual)
Multiple entities · multi-entity consolidation · priority support with named contact · Growth inclusions
Read 30 Sep 2026 · floatapp.com
Scale (monthly)
Multiple entities · multi-entity consolidation · priority support with named contact · Growth inclusions
Read 30 Sep 2026 · floatapp.com
On the record
- Access controls
- Float provides Admin, Editor, and Viewer roles; two-factor authentication is mandatory for Xero users and strongly recommended for all customers.floatapp.com · read 30 Sep 2026
- Bank connection
- Float says it does not connect directly to banks and retrieves bank transaction data through the connected accounting platform.floatapp.com · read 30 Sep 2026
- Collaboration
- Users can comment on budget lines, invoices, bills, or payments, tag teammates, and receive mention notifications.floatapp.com · read 30 Sep 2026
- Data sync
- Float syncs with the accounting platform every 24 hours and also allows a manual sync.floatapp.com · read 30 Sep 2026
- Forecast views
- Float offers weekly and 13-week views plus monthly forecasts that can extend up to three years.floatapp.com · read 30 Sep 2026
- Integrations
- Float currently integrates with Xero and QuickBooks Online, and says a direct Sage Intacct connection is coming soon.floatapp.com · read 30 Sep 2026
- Intended users
- Float describes its product as cash flow management software for growing finance teams and also offers a solution for accountants, bookkeepers, and fractional finance leaders advising clients.floatapp.com · read 30 Sep 2026
- Notable limits
- The Essentials plan includes 12-month forecasts, while Growth includes 36-month forecasts and 8 scenarios.floatapp.com · read 30 Sep 2026
- Purpose
- Float turns data from connected accounting software or ERP into a rolling cash flow forecast for finance teams.floatapp.com · read 30 Sep 2026
- Receivables and payables
- Float shows invoices and bills with expected payment dates based on when clients actually pay.floatapp.com · read 30 Sep 2026
- Scenario planning
- Users can toggle income and costs, model what-if scenarios, and price new hires before committing.floatapp.com · read 30 Sep 2026
- Security
- Float lists encryption in transit and at rest, multi-factor authentication, role-based access, and independent auditing to the UK government-backed Cyber Essentials standard.floatapp.com · read 30 Sep 2026
- Support
- Essentials and Growth include email and live-chat support; Scale adds priority support and a named contact.floatapp.com · read 30 Sep 2026
