How is TreasuryFlow different from Float?

Float syncs with QuickBooks or Xero, so your cash position is only as current as your accounting entries. TreasuryFlow connects directly to your bank accounts via Plaid, so your cash position reflects transactions the moment they clear. TreasuryFlow also exports into your own Excel workbook, while Float is web-only.

Does Float connect directly to bank accounts?

No. Float reads from QuickBooks Online or Xero. If your accounting entries are 24–48 hours delayed, your Float forecast is equally delayed. TreasuryFlow pulls live bank feeds via Plaid with no accounting software intermediary required.

How much does Float cost vs TreasuryFlow?

Float is revenue-tiered: $130/mo Essentials, $265/mo Growth, $389/mo Scale, climbing with your revenue and entities. TreasuryFlow is $299/mo per company, unlimited banks and your whole team included. Excel export, AI treasury assistant, and daily morning digest email are included.

Does TreasuryFlow work with Excel?

TreasuryFlow exports live bank data and the 13-week forecast into your existing workbooks, formulas intact. Float is web-only. For finance teams that work primarily in Excel, TreasuryFlow fits into existing workflows.

Which is better for a $1–20M company: Float or TreasuryFlow?

For companies in the $1–20M revenue range managing multiple bank accounts, TreasuryFlow is the stronger choice. Float is optimized for small businesses that rely on a single QuickBooks connection. TreasuryFlow's direct bank feeds, 13-week AI forecast, and Excel export address the needs of controllers and CFOs at mid-market companies.

TreasuryFlow vs Float

Float reads your accounting software. TreasuryFlow reads your actual bank accounts. Real-time data, AI categorization, and Excel export, at a price that makes sense for growing SMBs.

Real bank data via Plaid Excel export, formulas intact $299/mo per company

Cash position · 4 banks

Consolidated cash · all accounts

$3,112,400

August net movement +$172,400 · 13-week forecast, rebuilt every morning

Tie-out to the bank Books $3,112,400 · Bank $3,112,400 $0.00 unexplained

Same number, in Excel Exported to your workbook $3,112,400

Runway at current burn From cleared transactions, not entries 21 weeks

Ties to bank · debits = credits

Sample data, shown at full fidelity. Open the live demo to click through the real screens.

Recommended

TTreasuryFlow

$299/mo per company

✓ Real-time bank data via Plaid
✓ AI-powered categorization (Gemini)
✓ 13-week rolling forecast (auto-updating)
✓ QuickBooks syncs in; no auto write-back
✓ Natural-language treasury assistant
✓ Accountant team access, no per-seat fees

FFloat

From $130/mo

✗ No direct bank connectivity
✗ No AI categorization
✓ Up to 36-month forecast
~ One-way QBO/Xero import
✗ No AI assistant
✗ Revenue-based pricing, climbs as you grow

Feature-by-feature comparison

The table below states where each one differs, verified from each product’s public site, April 2026.

Feature	TreasuryFlow	Float
Direct Bank Connectivity	Plaid (any US bank)	No, relies on QBO/Xero
Real-Time Bank Balances	Yes	No
AI Transaction Categorization	Gemini AI (3-tier pipeline)	No
AI Treasury Assistant	Natural-language chat	No
Cash Flow Forecasting	13-week rolling	Up to 36 months
Scenario Planning	What-if analysis	Basic scenarios
Web Portal / Dashboard	Yes	Yes
QuickBooks Integration	Syncs in; nothing writes back automatically	One-way import
Xero Integration	Not yet enabled	Yes
Multi-Entity Reporting	Reporting Groups (up to 20)	Limited
Daily Digest Email	Morning cash brief	No
Budget vs. Actuals	Variance analysis + alerts	Basic budgets
P&L Reporting	With period comparison	No
AR Aging Reports	Customer payment patterns	No
Mobile Access	PWA, installable	Mobile web
Pricing Model	$299/mo per company, unlimited banks and team	$130–$389/mo, revenue-tiered
Free Trial	90 days, no card	14 days, no card
Setup Time	Minutes (Plaid connect)	Minutes (QBO/Xero connect)

Float pricing verified on floatapp.com, 2 September 2026: $130 Essentials, $265 Growth, $389 Scale per month. Annual billing is about 20% less. Vendors change pricing without notice. Report an inaccuracy.

Why finance teams switch from Float

Real bank data, not stale accounting data

Float only sees what your accounting software knows. TreasuryFlow connects directly to your bank accounts via Plaid, giving you real-time balances and transactions.

AI that understands your cash flow

TreasuryFlow’s Gemini-powered AI automatically categorizes transactions, detects anomalies, and answers questions about your cash position in plain English. Float offers no AI capabilities.

Works with the Excel you already use

TreasuryFlow exports live bank data and the forecast into your existing spreadsheets, formulas intact.

One price, no surprises

$299/mo per company: the AI assistant, accountant team access, and Excel + web portal are all included, with unlimited banks and no per-seat fees. Add a company, add $299; remove one, stop paying for it.

Works alongside QuickBooks

Float reads your QBO data. TreasuryFlow syncs QuickBooks in alongside the bank feed and builds its AI General Ledger from what actually cleared; nothing writes back to your books automatically.

Enterprise reporting at SMB pricing

P&L statements, AR aging, vendor analytics, and the morning cash brief.