Float vs Moss: Pricing and Ratings Compared (2026)
Entry prices and free plans as read on each vendor's pricing page, and user ratings as published on review sites, for Float and Moss side by side. This page compares data; it is not a hands-on review.
On the data: On the data below, Moss leads on a free plan. We do not name an overall winner for this pair.
Short on time? Here's the quick answer
Based on published vendor pricing and features and on public review data, here's who should pick what:
Float
Unlock cash visibility and make confident financial decisions with visual cash flow forecasting.
Best for you if:
- • You want cash flow forecasting
Moss
Spend smarter with automated purchasing, approvals, and bookkeeping for businesses.
Best for you if:
- • You want a free tier before you commit
| At a Glance | Float | Moss |
|---|---|---|
Starts at | From $265/mo flat, billed monthly Growth plan | Free plan, paid from $99/mo, billed monthly Paid Plans plan |
Category | Finance Analytics | Finance Expense Management |
Rating | 4.5/5 Capterra 4.5 1,621 reviews | n/a |
Free plan | No | Yes |
Watch out for | Limited to Xero, QuickBooks, or FreeAgent integrations only, if you use Sage, Wave, or another accounting tool, Float won't connect to your data | Add-ons for advanced features not included |
Choose Float or Moss?
Choose Float if
- You want cash flow forecasting
- You want good integration
Choose Moss if
- You want a free tier before you commit
- You want comprehensive spend management in one platform
- You want significant time savings on administrative tasks (e.g., month-end close, receipt handling)
In-Depth Analysis
Float
Unlock cash visibility and make confident financial decisions with visual cash flow forecasting.
Float is a solid cash flow forecasting tool for small businesses using Xero, QuickBooks, or FreeAgent, with pricing that scales by both plan tier and annual revenue.
Watch out
Limited to Xero, QuickBooks, or FreeAgent integrations only, if you use Sage, Wave, or another accounting tool, Float won't connect to your data
Strengths
- Pro: Cash flow forecasting
- Pro: Good integration
- Pro: Active development
- Pro: Good features
- Pro: Fair pricing
Weaknesses
- Con: Limited features
- Con: Learning curve
- Con: Better alternatives exist
- Con: Feature gaps
- Con: Support varies
Key features
Moss
Spend smarter with automated purchasing, approvals, and bookkeeping for businesses.
Moss offers a generous Free Plan for small businesses with up to 3 users and 20 invoices, which is excellent for basic spend management.
Watch out
Add-ons for advanced features not included
Strengths
- Pro: Comprehensive spend management in one platform
- Pro: Significant time savings on administrative tasks (e.g., month-end close, receipt handling)
- Pro: Automated receipt collection and expense categorization
- Pro: Real-time visibility into company spending
- Pro: Flexible and scalable pricing model with unlimited users on paid plans
Weaknesses
- Con: Transaction volume impacts pricing on paid plans
- Con: Free plan has user and invoice limitations
Key features
Plans and prices: Float vs Moss
| Tool | Plans and prices | Source |
|---|---|---|
| Float |
| floatapp.com/pricing read Oct 31, 2026 |
| Moss |
| getmoss.com/pricing read Oct 4, 2026 |
Prices as read on each vendor's own pricing page on the date shown. Plans are listed per tool and are not matched against the other tool's plans: a plan name or price in one column says nothing about the same row in the other. Details on Float pricing and Moss pricing.
Key Takeaways
Float
- Choose if you want unlock cash visibility and make confident financial decisions with visual cash flow forecasting
Moss
- Has a free plan
What the data shows
On the data below, Moss leads on a free plan. We do not name an overall winner for this pair.
- Only Float has a published user rating (4.5/5 from 1,621 reviews); Moss has none we can show.
- Entry prices are not ranked, they are charged on different bases: Float $265/mo flat, billed monthly; Moss $99/mo, billed monthly.
- Only Moss has a free plan.
Criteria: user rating (only above 20 reviews on both sides, gap of 0.2 or more), entry price (only on the same billing basis), free plan. How we rate
Frequently Asked Questions
How do Float and Moss compare in 2026?
On the data below, Moss leads on a free plan. We do not name an overall winner for this pair. Only Float has a published user rating (4.5/5 from 1,621 reviews); Moss has none we can show. Entry prices are not ranked, they are charged on different bases: Float $265/mo flat, billed monthly; Moss $99/mo, billed monthly. Only Moss has a free plan.
What are Float and Moss used for?
Float: Unlock cash visibility and make confident financial decisions with visual cash flow forecasting. Moss: Spend smarter with automated purchasing, approvals, and bookkeeping for businesses.
What does Float cost vs Moss?
Float's cheapest paid plan is Growth at $265/mo flat, billed monthly. Moss's cheapest paid plan is Paid Plans at $99/mo, billed monthly; it also has a free plan. Prices read on the vendors' pricing pages, latest check Oct 31, 2026.
What's the main difference between Float and Moss?
Float's main strength: cash flow forecasting. Moss's main strength: comprehensive spend management in one platform.