Cash flow forecasting Software for Xero
Live invoice and bill visibility, unlimited scenarios, and forecasts that update themselves - no spreadsheets required.
Read-only connection - Float never changes anything in Xero.
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Your Xero data.
turned into a forecast that never goes stale
The connection is one-way and read-only: Float can see your Xero data, but can never edit it.
Connect
No CSV exports, no manual entry.
Set your budgets
Forecast
Everything you need to manage cash,
in one view
Cash Flow Forecasting
Scenario Planning
AR and AP Visibility
Budgets vs Actuals
Xero vs. Float
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Forecast horizon | Up to 180 days |  Up to 36 months |
How forecasts are built | Predictions of recurring payments, generated from your previous three months of transactions, plus open invoices, bills and quotes | Your real invoices, bills and expected payment dates, plus budgets you control auto, repeating and linked |
Expected payment dates | Uses invoice and bill due dates | Set your own expected date on any invoice or bill or let Smart Expected Dates apply each customer's real payment behaviour automatically |
Scenario planning |  | Multiple named scenarios, compared side by side, without touching your base forecast |
Budget vs actuals | | Budget variance reporting, overall or by category, plus accounts-to-watch and single-account deep dives |
Budget flexibility | Recurring predictions need three months of consistent history | Auto budgets that track your real averages, repeating rules, linked budgets, fortnightly budgeting and one-offs |
Invoice & bill workflow | View totals due by customer or date | Update expected dates, split invoices and bills into part payments, see the impact of late or non-payment |
Day-level detail | Graph, table and calendar views of the next 7–180 days | Every transaction, budget, invoice and bill listed by date, with each forecast line traced back to its source in Xero |
Bank accounts | Choose which accounts contribute to the projection | Include, exclude bank accounts and credit cards, plus a cash threshold alert line on your graph |
Sharing & reporting | PDF/Excel export, shareable by email, WhatsApp, Slack or Teams | Presentation mode for meetings, scenario comparison charts, and PDF/CSV exports for your team, board or bank |
What Xero users say about Float
Rated 5 stars on the Xero App Store, Xero's most popular cash flow forecasting software
Got questions?
We have answers
Yes. Float uses the official Xero API with a read-only, one-way connection. Float cannot edit, add or delete anything in your Xero account, and you can disconnect at any time.
Bank accounts, credit cards, invoices and bills, repeating invoices and bills, draft invoices (optional toggle), transactions and journals. Float doesn't import the overall budget, purchase orders, quotes or tracking categories.
Yes, every Xero plan now includes Cash Flow Manager with Analytics, which projects your cash for up to 180 days using your bank balances, open invoices, bills and quotes, plus predictions of recurring payments based on your last three months of transactions. It's a useful short-term snapshot, but it doesn't offer scenario planning, budget vs actuals tracking, or control over expected payment dates. For decision-grade forecasting up to 36 months ahead, Xero users add Float.
Connect Float to Xero in about three minutes. Float automatically imports your data every 24 hours - bank accounts, transactions, invoices, bills along with their expected payment dates - and keeps your forecast up to date. You can also run an import on demand whenever Xero has just been updated. The connection is one-way and read-only, so Float can never change anything in your Xero account.
