Is Float worth the price?
7.5/10
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.
The Early plan starts at $25/mo (annual) for businesses under ~$250K revenue, but the revenue-based slider can push costs significantly higher — a $5M+ revenue business pays several hundred dollars per month even on the base plan. The Growing plan at $85/mo (monthly) is the sweet spot for most SMBs, adding 18-month forecasts and 4 scenarios.
Pricing Plans
Free TrialEarly
$50
- 2 scenarios
- 6-month forecasts
- 13-week forecasts
- Unlimited users
- Real-time Xero/QuickBooks/FreeAgent integration
- Email & chat support
Growing
$85
- 4 scenarios
- 18-month forecasts
- 13-week forecasts
- Unlimited users
- Real-time integrations
- Expert setup included
- Email & chat support
Scaling
$115
- 8 scenarios
- 36-month forecasts
- 13-week forecasts
- Unlimited users
- Real-time integrations
- Expert setup included
- Priority email & chat support
Hidden Costs & Gotchas
Revenue-based pricing slider means your actual cost may be much higher than the advertised starting price — a $10M+ revenue business pays several times the base rate even on the Early plan
Annual pricing anomaly
the Growing and Scaling plans are actually slightly MORE expensive when billed annually ($87/mo and $128/mo) vs monthly ($85/mo and $115/mo) in USD — verify your currency before committing
Limited to Xero, QuickBooks, or FreeAgent integrations only — if you use Sage, Wave, or another accounting tool, Float won't connect to your data
Forecast horizons are hard-capped by plan
Early maxes out at 6 months, which may not be enough for businesses seeking bank loans or investor reporting
Multi-company management requires separate subscriptions per entity — there is a discount but each company is a separate billing line
How Float Compares
Small business ($1-2M revenue), 1 year, needing 12+ month forecasts and scenario planning
Float$1,020/yr (Growing plan at $85/mo monthly billing)
Fathom$588/yr
Xero Analytics Plus$0 additional
Which Plan Do You Need?
Freelancers and micro-businesses under $500K revenue→ Early annual ($25/mo)
Two scenarios and 6-month forecasts are sufficient for simple cash flow visibility. The 14-day free trial requires no credit card, and unlimited users means your bookkeeper can access it too.
Growing SMBs ($500K-$5M revenue) needing scenario planning→ Growing annual ($87/mo)
Four scenarios and 18-month forecasts let you model hiring plans, seasonal dips, and growth investments. Expert setup included means you don't waste time on configuration.
Established businesses ($5M+ revenue) with complex forecasting needs→ Scaling annual ($128/mo)
Eight scenarios, 36-month forecasts, and priority support handle multi-entity or multi-currency businesses. The 13-week rolling forecast included in all plans covers short-term treasury management.
Our Recommendation
Worth it if...
Cash flow uncertainty keeps you up at night and you want auto-updating forecasts that sync with your accounting data in real time. Float's strength is removing the spreadsheet maintenance burden while providing clean, visual scenario planning for 'what-if' decisions.
Skip if...
You don't use Xero, QuickBooks, or FreeAgent — Float has zero value without one of these integrations. Also skip if you already use Xero with Analytics Plus and only need basic 30-day cash flow visibility.
Negotiation tips
The multi-company discount is available but not heavily advertised — ask about it if you manage 2+ entities. Annual billing saves ~17% on the Early plan but check your currency carefully as USD annual rates on Growing/Scaling plans may not offer a discount.
