Is Float worth the price?
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/month
- 2 scenarios
- 6-month forecasts
- 13-week forecasts
- Unlimited users
- Real-time Xero/QuickBooks/FreeAgent integration
- Email & chat support
Growing
$85/month
- 4 scenarios
- 18-month forecasts
- 13-week forecasts
- Unlimited users
- Real-time integrations
- Expert setup included
- Email & chat support
Scaling
$115/month
- 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
Which Plan Do You Need?
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.
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.
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.
Float Pricing FAQ
How much does Float cost?
Float starts at $50/month on the Early plan. It offers 3 paid tiers ranging from $50/month up to $115/month.
Does Float have a free plan?
Float does not offer a permanent free plan. However, a free trial is available.
Does Float offer a free trial?
Yes, Float offers a free trial. No credit card is typically required to start the trial, though this may vary.
What is the cheapest Float paid plan?
The cheapest paid plan for Float is "Early" at $50/month. Key features include: 2 scenarios, 6-month forecasts, 13-week forecasts.
Is there a cheaper alternative to Float?
Yes. Popular alternatives to Float include Productive, Pleo, Kyriba, Moveware. Free alternatives include Pleo, Axon Software. Compare them side-by-side on Toolradar.
Cheaper alternatives to Float
2 of 6 direct competitors below offer a free plan. Per-seat pricing varies up to 60% across this set.
