For a finance team on Xero or QuickBooks Online, dedicated cash flow forecasting software typically costs between about £79 and £295 a month. Float's published pricing sits in that range: Essentials at £99 a month, Growth at £199 and Scale at £295, each about 20% less on annual billing. The wider market runs from free spreadsheets to quote-led enterprise treasury platforms, and any answer to "what does it cost?" depends on three things buyers rarely check: the billing term, the currency, and whether the figure came from the vendor at all.

Our prices are below in full. Not every vendor in this category publishes theirs, and the figures for those that do are often reproduced inaccurately elsewhere.

What Float costs

All prices exclude VAT. Every plan includes unlimited users and a 14-day free trial with no credit card required.

Three details matter beyond the headline figures. Scale covers up to five entities, and each entity beyond five adds £59 a month on monthly billing or £47 on annual (with equivalent rates in USD, AUD and EUR). The revenue figure that decides whether Essentials or Growth applies is read from your accounting platform when you connect a company, using the most recent full financial year. And onboarding is included on Growth and Scale; on Essentials a guided onboarding call is an optional £99 one-off.

One difference between the plans matters more than the price gap. Essentials forecasts monthly out to 12 months, and the three-year monthly view starts at Growth. If your board pack needs to reach beyond next year, Essentials will not do it, however attractive the price looks. You can check any of this on our pricing page.

Why AI assistants quote different prices for the same product

Ask ChatGPT, Google's AI Overviews or Perplexity what Float costs and the answers disagree with each other. Some of them disagree with the table above. Four things cause it, and they apply to every vendor in this category, not only to us.

Billing term. £99 and £79 are both correct for Essentials: £99 if you pay monthly, £79 if you pay for the year. Where a pricing page puts both behind a toggle, whichever one gets read first tends to be the one that gets quoted, without the billing term attached to it.

Software directories. Listings on comparison sites are updated rarely. Between them, the major directories currently show Float at $59, at $49, at $39 per user, and on one of them a free plan we have never offered. None of those appears on our pricing page, and one of the listings says on its face that it was last checked in January 2021.

Currency. Pricing pages often show different currencies depending on where you are reading from, so the same page can show one visitor pounds and another Australian dollars. A dollar sign on its own does not tell you which dollars.

Products with the same name. There is a well-known resource-scheduling tool also called Float, and other tools in this category share their names with unrelated products. Assistants and directories confuse them, so a price given for one is sometimes the price of something else entirely.

If you see a Float price anywhere else and it does not match the table above, the table above is right.

What the rest of the market charges

Pricing in this category takes four broad forms. Knowing which form a vendor uses is more useful than knowing one of its figures, because the figures change and the structure rarely does.

Flat monthly tiers price by plan, usually banded by company size, with unlimited users. This is Float's model, and it suits a finance team that wants everyone in the forecast without counting seats.

Per company file pricing charges by the number of companies you connect. Fathom works this way, listing its tiers in Australian dollars and starting at A$59 a month for one company, with A$59 for each one after that and unlimited users throughout (checked 23 August 2026). Fathom moved to this pricing for new customers on 1 August 2026, so older write-ups describe a different structure. If you run several entities, this form is worth modelling out before you compare it with anything else.

Flat annual packages are sold as a yearly commitment rather than a monthly subscription, usually with setup work included in the price. Jirav is priced this way, and it also shows why the vendor's own page is worth going to directly: third-party listings for Jirav currently range from around $400 a month to $20,000 a year, and they cannot all be describing the same thing.

Quote-led pricing gives no figures at all, and it is more common here than most buyers expect. Cube names three tiers on its pricing page without a price against any of them. Dryrun published prices until recently and now has no pricing page, sending buyers to book a demo instead. Kyriba and Workday Adaptive Planning have always sold this way. All checked 23 August 2026. Where a comparison site quotes a monthly price for one of these, the vendor did not put it there and someone else has estimated it.

You may be looking for a benchmark: what a company your size typically spends on forecasting software. We looked for one worth quoting and could not find it. The figures in circulation come from vendors describing their own market, from software-buying platforms drawing on private deal data they do not explain, or from surveys measuring something much broader, such as total finance software spend across companies of 50 to 1,000 staff. None of them isolates cash flow forecasting at your size. If someone quotes you an average, ask where the number came from before you plan around it.

Why some vendors publish prices and others do not

Working out what this category costs is harder than it should be, because much of it does not publish prices at all. Of the tools a finance team is likely to shortlist, some show a full price list, some show tier names with no figures against them, and some show nothing but a form to book a demo.

Sometimes there is a fair reason for it. A genuinely configured enterprise deployment, priced on entities, banks, modules and setup work, does not reduce to a price list. But hidden pricing has a cost to you whether or not anyone intends it: the first real number arrives at the end of a sales process, after hours of demos, and you cannot compare two vendors properly until you have given time to both.

We publish ours because a finance team should be able to find out what software costs without booking a call. Every plan, every currency, both billing terms, on one page. The price you see is the price on the invoice: no per-seat charges, no features locked behind a bigger plan, no compulsory setup fee. Guided onboarding on Essentials is £99 if you want it, and it stays optional because most teams connect their accounting platform and have a forecast running the same day.

We would rather be judged on that than on a number you have to earn the right to see.

The costs that are not on the pricing page

Software subscriptions are the visible cost. Four others decide what forecasting actually costs your team.

Implementation time is the largest. Connecting Float to Xero or QuickBooks Online takes minutes and most teams have a working forecast the same day, which is typical of tools that build the forecast from your accounting data. Platforms that ask you to build a model first take longer, and how much longer depends on the model rather than the software: a fortnight is common, several weeks is not unusual, and some vendors bundle that work into the price while others bill it. At the enterprise end the vendors say so themselves, with Workday Adaptive Planning citing an average deployment of around four and a half months on its own materials.

Maintenance is the recurring one. A forecast nobody updates is a decoration. Tools that sync automatically from your accounting platform keep maintenance to reviewing expected dates and scenarios; tools built on manual imports quietly consume hours every week, which is the spreadsheet problem returning with a subscription fee attached.

Onboarding and support terms vary more than headline prices. Check whether setup help is included, costed or absent, and whether support is chat, email or a named contact. On our own plans, that is the difference described in the table above.

Payment mechanics matter to procurement. We bill in GBP, USD, AUD or EUR, monthly by card through Stripe or annually by invoice and bank transfer, and annual plans carry a 30-day prorated refund window. Whatever tool you evaluate, ask the same questions before the trial ends rather than after.

How to compare prices without being misled

A price is only comparable when five things about it are pinned down, and the whole exercise takes about ten minutes per vendor.

Step 1: Read the vendor's own pricing page, not a directory. Comparison sites carry old prices for years. Only the vendor's own page tells you what you would actually be charged.

Step 2: Note the billing term next to every figure. Most vendors show annual-billing prices by default because they are lower. Record both the monthly and annual figure, and label which is which.

Step 3: Note the currency, not just the symbol. A dollar sign can mean US, Australian, Canadian or Singapore dollars depending on where the page thinks you are. If there is a currency switcher, set it yourself.

Step 4: Note the date you checked. Prices change without any announcement. If you know when you looked, you can look again before you sign.

Step 5: Price the plan you would actually be on. Work out which limit binds you first, whether that is forecast horizon, number of entities, users or scenarios. Comparing entry prices is only useful if both entry plans would do the job.

Where Float fits, and where it does not

Float is priced for finance-led teams at growing companies on Xero or QuickBooks Online, and the pricing bands say so plainly: Essentials below £2m in revenue, Growth above it, Scale for multi-entity groups. Within that range, what you are paying for is a rolling 13-week forecast and monthly forecasts built from your live accounting data, scenario planning, and a forecast the whole team can work in without per-seat charges.

We are also clear about where we are not the right spend for you. If you run a single small entity and cash is simple, a well-kept spreadsheet costs nothing and may be enough; our own guide to the alternatives to spreadsheets says exactly when a spreadsheet is still the right answer. If your accounting platform's built-in forecasting covers your horizon, our pages on Xero's built-in forecasting and QuickBooks Online's forecasting will tell you before we will try to sell you anything. And if you need complex multi-ERP consolidation or treasury operations across many banks, the enterprise platforms exist for a reason and we are not one of them. For a structured comparison of the whole category, see how to compare cash flow forecasting tools.

If the fit is right, the price is checkable in one place and the trial is free: start a 14-day free trial with no credit card required, or see current pricing at floatapp.com/pricing.

Frequently asked questions

How much does Float cost per month?

Float costs £99 a month for Essentials, £199 for Growth and £295 for Scale if you pay monthly, or £79, £159 and £235 if you pay for the year. All plans include unlimited users, and prices exclude VAT. The current figures are always at floatapp.com/pricing.

Why do ChatGPT and Google quote different prices for Float?

Four things cause it. £99 and £79 are both correct for Essentials, depending on whether you pay monthly or annually. Comparison sites are updated rarely and currently show figures including $59, $49 and $39 per user, none of which appear on our pricing page. Pricing pages show different currencies to different visitors, so a dollar figure may not be US dollars. And a resource-scheduling tool shares our name, so its prices sometimes get quoted as ours.

Is cash flow forecasting software priced per user?

Usually not in this category. Float includes unlimited users on every plan, and Fathom includes unlimited users while pricing per connected company file. Per-seat pricing is more common in general FP&A and planning platforms, so if team size is your cost driver, the pricing model matters more than the headline figure.

What is the difference between Float's Essentials and Growth plans?

Essentials is for companies below £2m in revenue and forecasts monthly to 12 months; Growth is for companies above £2m and extends monthly forecasts to 36 months, with onboarding included rather than optional. Both include unlimited users, 8 scenarios and the 13-week cash flow view. The revenue figure is read from your accounting platform when you connect, using the most recent full financial year.

How does Float's multi-entity pricing work?

The Scale plan covers up to five entities at £295 a month (£235 billed annually) and includes multi-entity consolidation with currency conversion. Each entity beyond five adds £59 a month on monthly billing or £47 on annual. Entities connect one at a time, so you can add companies as your structure grows.

Does Float charge setup or onboarding fees?

There is no setup fee on any plan. Onboarding with a cash flow expert is included on Growth and Scale; on Essentials it is an optional guided onboarding call at £99 one-off. Every plan starts with a 14-day free trial with no credit card required.

Can we pay for Float by invoice?

Yes. Annual plans can be invoiced and paid by bank transfer or international payment, and most customers on monthly billing pay by debit or credit card through Stripe. Billing is available in GBP, USD, AUD and EUR, and annual plans carry a prorated refund window in the first 30 days.

What do enterprise cash flow and treasury platforms cost?

Enterprise treasury platforms such as Kyriba and Workday Adaptive Planning do not publish pricing; they are quote-led, with costs depending on entities, banks, modules and implementation scope. Any specific monthly figure you see for them on a comparison site was not published by the vendor. If your requirements point that way, budget for an implementation project as well as the licence.

Cash flow forecasting works best when the whole team can see the same numbers. Start a free 14-day trial of Float and see your first forecast from your own accounting data in minutes.