Float vs Xero: Which Should You Choose in 2026?
Choosing between Float and Xero comes down to understanding what each tool does best. This comparison breaks down the key differences so you can make an informed decision based on your specific needs, not marketing claims.
Short on time? Here's the quick answer
We've tested both tools. 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 the higher-rated option (8.9/10 vs 8.6/10)
- • You need financial planning features specifically
- • Automates cash flow forecasting by syncing with accounting software.
- • Enables scenario planning and 'what-if' analysis for financial decisions.
Xero
Beautiful accounting software
Best for you if:
- • You need accounting features specifically
- • Xero is cloud accounting software for small businesses
- • It provides invoicing, bank reconciliation, and financial reporting
| At a Glance |  Float | |
|---|---|---|
Price | Paid | Paid |
Best For | Financial Planning | Accounting |
Rating | 89/100 | 86/100 |
| Feature | Float | Xero |
|---|---|---|
| Pricing Model | Paid | Paid |
| Editorial Score | 89 | 86 |
| Community Rating | No ratings yet | No ratings yet |
| Total Reviews | 0 | 0 |
| Community Upvotes | 0 | 0 |
| Categories | Financial PlanningBudgeting Apps | AccountingInvoicing |
Understanding the Differences
Both Float and Xero solve similar problems, but they approach them differently.Float positions itself as "unlock cash visibility and make confident financial decisions with visual cash flow forecasting." while Xerofocuses on "beautiful accounting software". These differences matter depending on what you're trying to accomplish.
When to Choose Float
Float makes sense if you're looking for a comprehensive paid solution. With a score of 89/100, it's our top pick in this comparison.
When to Choose Xero
Xero is worth considering if you need a professional-grade tool.
Who Should Use What?
Bootstrapped or small team?
Neither is free, but both have their value. Test them both and see which clicks.
We'd pick: Xero
Growing fast?
Your team doubled last quarter and you need tools that won't break when you add 50 more people. Float handles scale better in our testing.
We'd pick: Float
Enterprise with complex needs?
You need SSO, compliance certifications, and a support team that picks up the phone. Float is built for organizations like yours.
We'd pick: Float
Still not sure? Answer these 3 questions
How much can you spend?
Both are paid tools. If money isn't the issue, go with Float—it scored higher.
Do you care what other users think?
Both have similar review counts. Read a few before you commit.
Expert opinion or crowd wisdom?
Our team rated Float higher (89/100). But the community has upvoted Xero more (0 votes). Pick your source of truth.
Key Takeaways
What Float Does Better
- Higher overall score (89/100)
- Our recommendation for most use cases
Consider Xero If
- Its specific features better match your workflow
- You prefer its interface or design approach
The Bottom Line
If we had to pick one, we'd go with Float (89/100). But the honest answer is that "better" depends on your situation. Float scores higher in our analysis, but Xero might be the right choice if its specific strengths align with what you need most. Take advantage of free trials to test both before committing.
Frequently Asked Questions
Is Float or Xero better?
Based on our analysis, Float scores higher with 89/100. Float ispaid while Xero is paid. The best choice depends on your specific needs and budget. We recommend testing both with free trials if available.
Can I switch from Float to Xero easily?
Migration difficulty varies. Check if both tools support data export/import in compatible formats. Some tools offer migration assistance or have integration partners who can help with the transition.
Do Float and Xero offer free trials?
Most software in this category offers free trials or free tiers. Float is paid with potential trial.Xero is paid with potential trial. Visit their websites for current trial offers.