Tool profile
Float: cost, fit and limits
Float is a cash flow forecasting application made by The Float Yard Ltd of the United Kingdom that reads figures from Xero or QuickBooks Online and shows live cash, a 13-week forecast and scenarios for small and growing companies.
What to know first
Float connects to Xero or QuickBooks Online, shows a cash position that updates daily or on demand, and projects it weekly, over 13 weeks or monthly for up to three years. Plans are priced by company revenue and entity count: a Small Business entry for firms under £2m, Growth for one entity and Scale for consolidation. The pages we opened describe no AI feature, though a footer link to a Float for AI page was not followed.
Float at a glance
| Maker | The Float Yard Ltd, United Kingdom |
|---|---|
| Free plan | Free trial only |
| Entry price | From £99 per month, excluding VAT |
| API access | No |
| Category | Best AI Cash Flow Forecasting Software in 2026, rank 2 of 11 |
| Website | floatapp.com |
Who Float is best for
Xero or QuickBooks Online users
Float reads bank data through the accounting platform, so a business whose books already live there can start from existing transactions.
Founders planning hires
Scenarios switch income and costs on or off, and a new hire can be priced before commitment, so a payroll decision shows its cash effect first.
Accountants who present forecasts
A presentation mode and CSV or PDF exports let a bookkeeper walk a client through the numbers or send a file to a lender.
Float plans and pricing
| Plan | Price | What it includes |
|---|---|---|
| Small Business | From £99 per month, excl. VAT | For companies under £2m revenue. The contents of this plan were on a separate page that was not opened. |
| Growth | £199 monthly or £159 per month on annual billing | Single entity, unlimited users, 8 scenarios, 13-week cash flow, 36-month forecasts, email and live-chat support, onboarding, QuickBooks and Xero. |
| Scale | £295 monthly or £235 per month on annual billing | Growth plus multi-entity consolidation, priority support with a named contact and onboarding. Up to five entities as add-ons at £59 monthly or £47 annual. |
Checked November 2026.
What Float does
- Live cash position
- The balance refreshes daily or on demand and sits above the forecast, so the starting point matches the accounting data and a stale number does not distort the weeks that follow.
- Three forecast horizons
- Monthly, 13-week and weekly views are offered, with the monthly view reaching up to three years, so one file serves both a lender's 13-week request and a longer budget conversation.
- AR and AP mapping
- Invoice receipts and bill due dates are mapped to calendar dates, which shows which specific week a late customer payment would hurt and which supplier bill can be moved.
- Intelligent Suggestions
- The feature identifies recurring costs from transaction history so repeating payments do not have to be keyed in one by one. The pages do not describe it as AI, so treat it as pattern detection.
- Multi-entity view
- Scale combines selected entities into one cash view, with up to five entities available as add-ons, which suits an owner running a small group of related companies.
How Float handles your data
Float's terms limit its licence to providing the service and bar users from training AI models on site content. In the ordinary course, account data is deleted within 90 days under the terms, subject to legal retention duties. The security page does not state a hosting region, refers to a data processing agreement that was not opened, and names no certification. Whether Float's own models, if any, learn from customer data is not stated. Request the DPA before connecting live accounting data.
Where Float falls short in practice
- Banks only through the accounting tool. Float has no direct bank feed on the pages opened, so coverage follows whatever Xero or QuickBooks Online syncs, and an account missing there is missing from the forecast.
- Integrations are narrow. Sage Intacct and iplicit are marked as coming soon, which leaves Xero and QuickBooks Online as the only live connections and excludes companies on other ledgers.
- Entity count raises the price. Growth covers one entity. Consolidation needs Scale, and each extra entity beyond the included count is a monthly add-on, so a group pays noticeably more than a single company.
Works with
Alternatives to Float
Float: common questions
Does Float use AI to build the forecast?
The pricing and home pages we opened describe no AI capability. Intelligent Suggestions identifies recurring costs from transaction history, but it is not called AI there, and a Float for AI link in the footer points to a page that was not opened. Ask the vendor what that page covers.
What is included in Float's Small Business plan?
It is listed as from £99 a month for companies under £2m revenue, but the pricing page defers the details to a separate page that we did not open. Growth, at £199 monthly or £159 annually, is the plan whose features are printed in full.
Can Float consolidate several companies?
Yes, on Scale at £295 monthly or £235 annually. Growth covers a single entity. Up to five entities can be added to Scale at £59 monthly or £47 annual each, according to the pricing page, and consolidation combines them into a single cash view.
How long is Float's free trial?
The pricing page states a 14-day free trial with no credit card required. Prices are shown excluding VAT, and annual billing is described as saving 20 percent. Use the trial with your own Xero or QuickBooks file, since the starting figures come from there.
How does Float get my bank data?
Through the accounting platform. The pages opened describe connections to Xero and QuickBooks Online only, with Sage Intacct and iplicit shown as coming soon, so a bank account that does not sync there will not appear in the forecast without manual entries.