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Xero vs Float Cash Flow Comparison

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Overview

Category Leaders

Xero is a cloud-based small business accounting software with tools for managing invoicing, bank reconciliation, inventory,...

Category Leaders

Visual, accurate and intuitive cash flow forecasting and management software for use with Xero, QuickBooks Online and FreeAgent....

  • Platforms supported
  • Web-based
  • iPhone app
  • Android app
  • Windows Phone app
  • Typical customers
  • Freelancers
  • Small businesses
  • Mid size businesses
  • Large enterprises
  • Customer support
  • Phone
  • Online
  • Knowledge base
  • Video tutorials
  • Platforms supported
  • Web-based
  • iPhone app
  • Android app
  • Windows Phone app
  • Typical customers
  • Freelancers
  • Small businesses
  • Mid size businesses
  • Large enterprises
  • Customer support
  • Phone
  • Online
  • Knowledge base
  • Video tutorials

Screenshots

Pricing

Starting from
$13.50/mo.month
  • Free trial available
  • No credit card required
  • Free account
  • Subscription based
Starting from
$59/mo.month
  • Free trial available
  • No credit card required
  • Free account
  • Subscription based

User reviews

4.3

(2k)

5

4

3

2

1

1,130

527

175

54

73

  • Value for money
  • Ease of use
  • Features
  • Customer support
92%
would recommend this app

4.8

(64)

5

4

3

2

1

49

15

0

0

0

  • Value for money
  • Ease of use
  • Features
  • Customer support
100%
would recommend this app

Pros

The ease of creating a quote, changing it to an invoice once the client has accepted it, is a great add on. The ability to add inventory items on the fly is very welcoming.
Finances are easier to keep up to date and more frequently, the software updates are seamless, the reports are great, the integrations are outstanding, and the service is super.
On the dashboard you can see clearly, outstanding invoices and overdue invoices. This is essential for our team to access these numbers quickly and clearly.

Pros

Overall I have found this software very helpful and also the customer service is really good. I always get a fast response and I love the fact that they are always looking to improve the software.
I love using Float and everyone at Float is super helpful and friendly.
On top of that, the Float team is very responsive, friendly, and helpful.

Cons

Remember clear that when there was some technical problem the take no accountability. First It made me angry but then everything arranged.
Constant problems with integrated software for synching with bank & transactions. EXTREMELY poor customer service and it's ALWAYS the other software regardless of the problem.
There is no simple customer sales reports available. Quite ridiculous for a financial platform.

Cons

Other than charts, outputs are limited to CSV files so not that easy/quick to manipulate offline, and have to do all your own formulas & formatting, etc.
I've found it a little confusing getting to grips with budgets vs actual forecasts... some aspects of the interface could be a little clearer.
No Excel-like bulk-edit for scenarios except base.
  • Vendor responds to reviews
  • Last review12 days ago
  • Vendor responds to reviews
  • Last review7 months ago

Key features

  • Total features169
  • "What If" Scenarios
  • 401(k) Tracking
  • ACH Payment Processing
  • API
  • Access Controls/Permissions
  • Accounting
  • Accounting Integration
  • Accounts Payable
  • Accounts Receivable
  • Accrual Accounting
  • Activity Dashboard
  • Activity Tracking
  • Ad hoc Analysis
  • Ad hoc Reporting
  • Alerts/Notifications
  • Approval Process Control
  • Approval Workflow
  • Asset Accounting
  • Asset Tracking
  • Assignment Management
  • Audit Trail
  • Automated Quoting
  • Automated Scheduling
  • Automatic Backup
  • Automatic Billing
  • Bank Reconciliation
  • Benefits Management
  • Billing & Invoicing
  • Billing Portal
  • Budgeting/Forecasting
  • CPA Firms
  • Calendar Management
  • Case Management
  • Cash Flow Management
  • Cash Management
  • Cataloging/Categorization
  • Chart of accounts
  • Charting
  • Check Printing
  • Check Processing
  • Check Writing
  • Client Management
  • Client Portal
  • Collections Management
  • Compliance Management
  • Consolidation/Roll-Up
  • Construction Breakdowns
  • Contact Database
  • Contact Management
  • Contingency Billing
  • Contract/License Management
  • Cost Tracking
  • Credit Card Processing
  • Cross Ledger Posting
  • Currency Conversion
  • Customer Database
  • Customer History
  • Customer Segmentation
  • Customer Statements
  • Customizable Branding
  • Customizable Invoices
  • Customizable Reports
  • Customizable Templates
  • Data Import/Export
  • Data Visualization
  • Depreciation Management
  • Direct Deposit
  • Discount Management
  • Document Management
  • Document Storage
  • Document Templates
  • Drag & Drop
  • Due Date Tracking
  • Dunning Management
  • Duplicate Payment Alert
  • Electronic Payments
  • Email Management
  • Email Templates
  • Expense Claims
  • Expense Management
  • Expense Tracking
  • Fee Calculation & Posting
  • Financial Analysis
  • Financial Management
  • Financial Reporting
  • Fixed Asset Management
  • For CPA Firms
  • For Government
  • Forecasting
  • Fraud Detection
  • Fund Accounting
  • General Ledger
  • Goal Setting / Tracking
  • Hourly Billing
  • Income & Balance Sheet
  • Interaction Tracking
  • Inventory Control
  • Inventory Management
  • Inventory Optimization
  • Inventory Tracking
  • Invoice History
  • Invoice Management
  • Invoice Processing
  • Job Costing
  • Kitting
  • Match & Merge
  • Mobile Access
  • Mobile Payments
  • Monitoring
  • Multi-Channel Management
  • Multi-Company
  • Multi-Country
  • Multi-Currency
  • Multi-State
  • Nonprofits
  • Online Invoicing
  • Online Payments
  • Order Management
  • Order Processing
  • Order Tracking
  • Overpayment Processing
  • Overrun Reporting
  • Partial Payments
  • Payment Processing
  • Payroll Management
  • Payroll Reporting
  • Performance Metrics
  • Planning Tools
  • Price / Margin Management
  • Pricing Management
  • Product Configurator
  • Product Identification
  • Profit/Loss Statement
  • Progress Tracking
  • Project Accounting
  • Project Billing
  • Project Management
  • Projections
  • Purchase Order Management
  • QuickBooks Integration
  • Quotes/Estimates
  • Real Time Data
  • Real Time Reporting
  • Receipt Management
  • Receivables Ledger
  • Recurring/Subscription Billing
  • Reimbursement Management
  • Reorder Management
  • Reporting/Analytics
  • Requisition Management
  • Retail Inventory Management
  • Revenue Recognition
  • Sales Reports
  • Sales Tax Management
  • Scenario Planning
  • Search/Filter
  • Self Service Portal
  • Shipping Management
  • Sourcing Management
  • Spend Management
  • Staff Management
  • Status Tracking
  • Stock Management
  • Strategic Planning
  • Supplier Management
  • Tax Calculation
  • Tax Compliance
  • Tax Management
  • Template Management
  • Third Party Integrations
  • Time & Expense Tracking
  • Time Tracking
  • Transaction History
  • Vacation/Leave Tracking
  • Vendor Management
  • W-2 Preparation
  • Wage Garnishment
  • Warehouse Management
  • Total features20
  • "What If" Scenarios
  • 401(k) Tracking
  • ACH Payment Processing
  • API
  • Access Controls/Permissions
  • Accounting
  • Accounting Integration
  • Accounts Payable
  • Accounts Receivable
  • Accrual Accounting
  • Activity Dashboard
  • Activity Tracking
  • Ad hoc Analysis
  • Ad hoc Reporting
  • Alerts/Notifications
  • Approval Process Control
  • Approval Workflow
  • Asset Accounting
  • Asset Tracking
  • Assignment Management
  • Audit Trail
  • Automated Quoting
  • Automated Scheduling
  • Automatic Backup
  • Automatic Billing
  • Bank Reconciliation
  • Benefits Management
  • Billing & Invoicing
  • Billing Portal
  • Budgeting/Forecasting
  • CPA Firms
  • Calendar Management
  • Case Management
  • Cash Flow Management
  • Cash Management
  • Cataloging/Categorization
  • Chart of accounts
  • Charting
  • Check Printing
  • Check Processing
  • Check Writing
  • Client Management
  • Client Portal
  • Collections Management
  • Compliance Management
  • Consolidation/Roll-Up
  • Construction Breakdowns
  • Contact Database
  • Contact Management
  • Contingency Billing
  • Contract/License Management
  • Cost Tracking
  • Credit Card Processing
  • Cross Ledger Posting
  • Currency Conversion
  • Customer Database
  • Customer History
  • Customer Segmentation
  • Customer Statements
  • Customizable Branding
  • Customizable Invoices
  • Customizable Reports
  • Customizable Templates
  • Data Import/Export
  • Data Visualization
  • Depreciation Management
  • Direct Deposit
  • Discount Management
  • Document Management
  • Document Storage
  • Document Templates
  • Drag & Drop
  • Due Date Tracking
  • Dunning Management
  • Duplicate Payment Alert
  • Electronic Payments
  • Email Management
  • Email Templates
  • Expense Claims
  • Expense Management
  • Expense Tracking
  • Fee Calculation & Posting
  • Financial Analysis
  • Financial Management
  • Financial Reporting
  • Fixed Asset Management
  • For CPA Firms
  • For Government
  • Forecasting
  • Fraud Detection
  • Fund Accounting
  • General Ledger
  • Goal Setting / Tracking
  • Hourly Billing
  • Income & Balance Sheet
  • Interaction Tracking
  • Inventory Control
  • Inventory Management
  • Inventory Optimization
  • Inventory Tracking
  • Invoice History
  • Invoice Management
  • Invoice Processing
  • Job Costing
  • Kitting
  • Match & Merge
  • Mobile Access
  • Mobile Payments
  • Monitoring
  • Multi-Channel Management
  • Multi-Company
  • Multi-Country
  • Multi-Currency
  • Multi-State
  • Nonprofits
  • Online Invoicing
  • Online Payments
  • Order Management
  • Order Processing
  • Order Tracking
  • Overpayment Processing
  • Overrun Reporting
  • Partial Payments
  • Payment Processing
  • Payroll Management
  • Payroll Reporting
  • Performance Metrics
  • Planning Tools
  • Price / Margin Management
  • Pricing Management
  • Product Configurator
  • Product Identification
  • Profit/Loss Statement
  • Progress Tracking
  • Project Accounting
  • Project Billing
  • Project Management
  • Projections
  • Purchase Order Management
  • QuickBooks Integration
  • Quotes/Estimates
  • Real Time Data
  • Real Time Reporting
  • Receipt Management
  • Receivables Ledger
  • Recurring/Subscription Billing
  • Reimbursement Management
  • Reorder Management
  • Reporting/Analytics
  • Requisition Management
  • Retail Inventory Management
  • Revenue Recognition
  • Sales Reports
  • Sales Tax Management
  • Scenario Planning
  • Search/Filter
  • Self Service Portal
  • Shipping Management
  • Sourcing Management
  • Spend Management
  • Staff Management
  • Status Tracking
  • Stock Management
  • Strategic Planning
  • Supplier Management
  • Tax Calculation
  • Tax Compliance
  • Tax Management
  • Template Management
  • Third Party Integrations
  • Time & Expense Tracking
  • Time Tracking
  • Transaction History
  • Vacation/Leave Tracking
  • Vendor Management
  • W-2 Preparation
  • Wage Garnishment
  • Warehouse Management

Integrations

  • Total integrations935
  • Authorize.net
  • Dropbox Business
  • Dynamics 365
  • FreshBooks
  • Microsoft Dynamics GP
  • Microsoft Excel
  • NetSuite
  • PayPal
  • QuickBooks Online
  • QuickBooks Online Advanced
  • SAP Business One
  • Sage Intacct
  • Salesforce Sales Cloud
  • Shopify
  • Slack
  • Stripe
  • WooCommerce
  • Workato
  • Xero
  • Zapier
  • Total integrations6
  • Authorize.net
  • Dropbox Business
  • Dynamics 365
  • FreshBooks
  • Microsoft Dynamics GP
  • Microsoft Excel
  • NetSuite
  • PayPal
  • QuickBooks Online
  • QuickBooks Online Advanced
  • SAP Business One
  • Sage Intacct
  • Salesforce Sales Cloud
  • Shopify
  • Slack
  • Stripe
  • WooCommerce
  • Workato
  • Xero
  • Zapier

Security

  • Encryption of sensitive data at rest
  • HTTPS for all pages (web-based apps)
  • Reports/alerts for security breaches
  • Multifactor authentication options
  • Customer data removed upon service cancellation
  • Encryption of sensitive data at rest
  • HTTPS for all pages (web-based apps)
  • Reports/alerts for security breaches
  • Multifactor authentication options
  • Customer data removed upon service cancellation

User reviews that mention these apps

Overall Rating
  • Ease of use
  • Features
  • Likelihood to recommend10/10

Share this review:

Float Cash Flow

Better than sliced bread .....

Reviewed 2 years ago

Our relatively new business operation is experiencing exponential growth. Float gives us the ability to plan and tweak cashflow projections instantly and accurately with access to current and historical data seamlessly through the Xero integration.

Pros

Simplicity, functionality, Xero integration.

Cons

The nightmares it gives me over the years I spent trying to maintain cashflow data on cumbersome excel spreadsheets that were already out of date by the time I had updated them :(

Overall Rating
  • Value for money
  • Ease of use
  • Features
  • Likelihood to recommend10/10

Share this review:

Float Cash Flow

Simple and easy to use

Reviewed a year ago

We can see exactly how we are tracking against out budget to make sure we are making money.

Pros

The timeline feature is all we need with forecasting. Other cashflow forecasting software I have tried looks good and has plenty of information but I have found Float to have the best forecasting.

Cons

I dont think it imports the Xero Budget.

Overall Rating
  • Value for money
  • Ease of use
  • Features
  • Customer support
  • Likelihood to recommend10/10

Share this review:

Float Cash Flow

Great tool for managing your finances

Reviewed 2 years ago

Float provides better visibility of our cash flow, allowing us to take action sooner

Pros

Speed and ease of the integration with Xero; intuitive interface and flexibility of the forecasting.

Cons

A daily automatic re-syncing with Xero would be helpful.

Overall Rating
  • Value for money
  • Ease of use
  • Features
  • Likelihood to recommend7/10

Share this review:

Float Cash Flow

Float Review

Reviewed 8 months ago
Pros

Visualizing the cashflow of the business and the integration with Xero

Cons

The only negative so far is the Monthly cost, it is expensive

Overall Rating
  • Value for money
  • Ease of use
  • Features
  • Customer support
  • Likelihood to recommend10/10

Share this review:

Float Cash Flow

Great cash flow forecasting tool!

Reviewed 2 years ago

Having an online c/f which links to Xero has enabled me to have c/f conversations real-time with clients and run multiple scenarios. It has eliminated the need for excel s/s which in turn has made my time more efficient. It has increased client engagement and provided me with more time for data analysis rather than s/s checking and data entry.

Pros

Option of manual link-up to Xero so forecast can reflect Xero updates immediately. Ability to run multiple scenarios so clients can see the impact of making different business choices on the cashflow.

Cons

It would be useful to be able do s/s upload of scenario budgets - can currently only do for the main forecast I think.

Overall Rating
  • Value for money
  • Ease of use
  • Features
  • Likelihood to recommend10/10

Share this review:

Float Cash Flow

Excellent Software

Reviewed a year ago

As an SME it has allowed us to get on top of our cashflow and is an invaluable tool.

Pros

It is very easy to use and integrates very well with Xero.

Cons

It would be good to allow: - Scenario layers to be used as a base layer for a second scenario that is a variation of the first scenario. - PDF exports from the cash flow and daily breakdown pages that retain the page format.

Overall Rating
  • Value for money
  • Ease of use
  • Features
  • Customer support
  • Likelihood to recommend10/10

Share this review:

Float Cash Flow

Properly useful cashflow

Reviewed 2 years ago

We have a renovation project going on at our charity's main building and managing cashflow is crucial. I looked at and tested a load of different providers and Float nailed it for our needs. I can see exactly how we're doing and where the crunch points will be without it being somewhat fictional (which is easy to accomplish in a spreadsheet, especially if it's not linked into the latest data).

Pros

It integrates really well with Xero, making keeping everything up to date v easy.

Cons

Spreadsheet input is a little clunky with manual entry.

Overall Rating
  • Ease of use
  • Features
  • Likelihood to recommend10/10

Share this review:

Float Cash Flow

A real game-changer

Reviewed a year ago

This is so vital during this crisis (Covid-19) that I can forecast our business health, and it will be a vital part of our toolkit in future as well

Pros

It seamlessly integrates with Xero to give me all the data at a glance

Cons

There was nothing I didn't like about the software