Float and Agicap both forecast cash flow, and they are built for different companies. Float is accounting-integrated forecasting for finance teams running Xero or QuickBooks Online, at a published price. Agicap is bank-connected cash management for mid-market treasury operations. This comparison sets out what each tool does, what each costs, and which type of finance team each one suits.
Where these figures come from
Every Float figure on this page comes from the live product and the published Float pricing page. Every Agicap figure comes from Agicap's own public pages. Both were checked in August 2026 and are dated where the detail matters. Third-party review sites and software directories are not used as a source for either product, because their figures lag the products they describe.
What each tool is
Float is a cash flow forecasting layer that sits on top of your accounting platform. It connects to Xero and QuickBooks Online, with Sage Intacct on the waitlist. It syncs every 24 hours or on demand, and builds a rolling forecast from reconciled bank balances, open invoices and upcoming bills. The forecast starts from figures the ledger already agrees with.
Agicap is cash management software for mid-market CFOs. It connects directly to bank accounts through Open Banking APIs and to ERP systems, and the platform covers treasury management, accounts payable, accounts receivable and payments alongside forecasting (agicap.com, August 2026).
That difference in architecture, ledger-integrated against bank-connected, decides most of this comparison.
How each tool gets its data
Float takes bank balances, invoices and bills from your accounting platform, where the bank feed has already been reconciled. It does not connect to your bank directly. The forecast is built from cleared figures, refreshed every 24 hours and on demand whenever the ledger changes.
Agicap connects to banks directly and shows movement across those accounts before it reaches the ledger. Agicap's pricing page states compatibility with more than 300 international banks and more than 150 accounting and financial software packages; its main site states connections to thousands of banks (agicap.com, August 2026). Either figure is a far wider connectivity surface than Float's two accounting integrations.
Each architecture suits a different job. A team running many banking relationships that needs intraday positions is describing Agicap. A team whose single source of truth is the ledger, and whose decisions run at the speed the ledger updates, is describing Float.
Multi-entity consolidation
Float consolidates cash across multiple companies on its Scale plan. The consolidated view shows an overall cash position across selected companies or the whole group, with currency conversion where entities report in different currencies, and each entity keeps its own forecast alongside the group view. Scale covers up to five entities, with additional entities priced per entity beyond that. Each entity connects to its accounting platform through the same process as the first, so a group can be set up in one session.
Agicap consolidates at group level too, with a group view, per-entity detail, intercompany transaction reconciliation and cash pooling (agicap.com, August 2026).
Both tools do multi-entity work. The difference is the surrounding scope: Agicap adds intercompany loan management, debt tracking and payment execution around the consolidated position, while Float consolidates the forecast itself.
Forecast horizons and scenario planning
Float runs a rolling 13-week forecast for operational cash decisions and a monthly forecast that extends to 36 months for budgets and board planning, with daily, weekly and monthly views of the same data. Every plan includes eight scenarios, so a hiring plan, a delayed receipt or a price change can be modelled against the base forecast before it happens. Budgets against actuals are included on every plan.
Agicap plans across 13-week, quarterly and annual horizons, builds and tracks forecasts on daily, weekly or monthly cycles, and runs multiple scenarios. Its forecast draws on financing activities, intragroup flows, accounts payable and accounts receivable, and on budget and historical performance data (agicap.com, August 2026).
On horizons the two tools are close. The separation is in what surrounds the forecast: Agicap wraps it in group treasury workflow, while Float keeps it attached to the ledger a smaller finance team already runs.
What each costs
Float publishes its prices. As at August 2026, the three plans in GBP, excluding VAT, are:
| Plan | Billed annually | Billed monthly | Built for |
|---|---|---|---|
| Essentials | £79/month | £99/month | Companies below £2m revenue, single entity |
| Growth | £159/month | £199/month | Companies above £2m revenue, single entity |
| Scale | £235/month | £295/month | Multi-entity groups, consolidation included |
Every plan includes unlimited users, eight scenarios and the 13-week view. Growth and Scale add monthly forecasts to 36 months and an included onboarding service; Essentials carries a 12-month monthly forecast. Scale covers up to five entities, then £47 to £59 per additional entity per month depending on billing. USD, EUR and AUD prices are published on the same pricing page, and the trial runs 14 days with no credit card.
Agicap does not publish prices. Its pricing page offers a tailored quote, on an annual offer with a minimum 12-month subscription (agicap.com, August 2026). Quote-based pricing fits the mid-market segment Agicap serves, where the price depends on bank accounts, entities and integrations. It does mean the two tools cannot be compared on a published number, and any Agicap price quoted on a third-party site is an estimate rather than a published rate.
When Agicap is the right choice
Agicap is the right choice when the job is wider than forecasting.
That means a team operating many banking relationships that needs direct, intraday bank connectivity rather than ledger-synced positions. It means an accounting stack outside Xero and QuickBooks Online, on an ERP that Agicap's integrations cover and Float's two do not. And it means a group that wants treasury workflow around the forecast: payments execution, receivables collection, intercompany loans and debt management in one platform.
The implementation matches the scale of that job. Agicap sets out a three to six month period to install, integrate and train key employees, and positions that as roughly half the timeline of a traditional treasury management system (agicap.com, August 2026). For a mid-market group treasury, that is a proportionate cost. For a finance team of four that needs a working forecast this quarter, it is not.
When Float is the right choice
Float is the right choice when the job is a trusted cash flow forecast, run by a finance team of three to six people inside a company of 11 to 50 staff, on Xero or QuickBooks Online.
The forecast starts from reconciled figures. Most teams connect their accounting platform and have a working forecast in under five minutes. Every plan carries unlimited users, so the Financial Controller, the FD and the leadership team read the same numbers. A group consolidates on Scale at a published price, without a quote cycle.
Marinus Keyser CA(SA), Group Financial Manager at BLEND:
"Float has saved us significant time at Blend. What was once a full day of manual cash flow forecasting is now a live, real-time view. The setup takes a little effort, but maintenance is less than an hour a week. The Xero integration is seamless, reports are easy to share with stakeholders, and the platform is easy to use. Time is valuable, and Float helps us spend it where it matters most."
If you are weighing a wider field than these two tools, our guide to comparing cash flow forecasting tools for finance teams covers nine tools across three tiers, and our answer on which accounting systems Float integrates with sets out the integration surface in full. You can start a free 14-day trial with no credit card, or see current prices on the pricing page.
Frequently asked questions
Should we choose Float or Agicap for cash flow forecasting?
Float suits finance teams on Xero or QuickBooks Online that want a forecast built from reconciled accounting data at a published price. Agicap suits mid-market treasury operations that need direct multi-bank connectivity, integrations beyond Xero and QuickBooks Online, and treasury workflow such as payments and receivables around the forecast.
Does Float support multi-entity consolidation?
Yes. Float's Scale plan consolidates cash across multiple companies into one group position, with currency conversion where entities use different currencies. Scale covers up to five entities, with additional entities priced per entity beyond that, and each entity connects to its accounting platform through the same process as the first.
Does Float connect directly to bank feeds?
No. Float syncs with Xero or QuickBooks Online every 24 hours, and on demand, taking reconciled bank balances, invoices and bills from the ledger. The forecast is built from cleared figures the accounts already agree with, rather than from bank movement that has not yet been reconciled.
Does Agicap connect directly to banks?
Yes. Agicap connects to bank accounts through Open Banking APIs. Its pricing page states compatibility with more than 300 international banks; its main site states connections to thousands of banks (agicap.com, August 2026).
How much do Float and Agicap cost?
Float publishes three plans on its pricing page in GBP, USD, EUR and AUD, from £79 per month billed annually. Agicap does not publish prices: its pricing page offers a tailored quote on an annual offer with a minimum 12-month subscription.
Which accounting platforms does each tool integrate with?
Float integrates with Xero and QuickBooks Online, and a direct Sage Intacct connection is in development with a waitlist open. Agicap states compatibility with more than 150 accounting and financial software packages and more than 300 international banks, with detailed lists available from its team on request.
How long does implementation take for Float and for Agicap?
Most Float teams connect their accounting platform and have a working forecast in under five minutes, and multi-entity setups repeat the same connection for each entity. Agicap sets out three to six months to install, integrate and train key employees, which it positions as roughly half the timeline of a traditional treasury management system.
Is Agicap a treasury management system?
Agicap is cash management software for mid-market CFOs, not a traditional treasury management system. Its implementation runs three to six months, against roughly double that for a traditional TMS (agicap.com, August 2026). The platform covers treasury management, payments, accounts payable and accounts receivable alongside cash flow forecasting.
How does Float handle security and permissions?
Float uses role-based permissions with three roles: Admin, Editor and Viewer. Two-factor authentication is mandatory for Xero users and recommended for all customers, data is encrypted in transit and at rest, and Float is independently audited to the UK government-backed Cyber Essentials standard.
Can Float handle multiple currencies across a group?
Yes. Float's consolidation shows an overall cash position across selected companies or the whole group, with currency conversion applied where companies use different currencies. Each entity keeps its own forecast alongside the consolidated group view.
