How is TreasuryFlow different from Float?

Float syncs with QuickBooks or Xero — 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 works as a native Microsoft Excel add-in, 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 pricing starts at $59/month for one QuickBooks/Xero connection and scales by number of entities and features. TreasuryFlow is $399/month flat — unlimited bank accounts, unlimited institutions, native Excel add-in, AI treasury assistant, and daily morning digest email all included.

Does TreasuryFlow work inside Excel like Float?

TreasuryFlow offers a native Microsoft Excel Add-in that appears as a task pane inside your existing workbooks. Float does not have an Excel add-in — it is web-only. For finance teams that work primarily in Excel, TreasuryFlow fits into existing workflows without requiring a browser tab switch.

Which is better for a $10M–$50M company: Float or TreasuryFlow?

For companies in the $10M–$50M 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-native delivery address the needs of controllers and CFOs at mid-market companies.

Comparison

TreasuryFlow vs Float

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

Real bank data via Plaid Excel-native add-in Flat $399/mo

TreasuryFlow

$399/mo

✓ Real-time bank data via Plaid
✓ AI-powered categorization (Gemini)
✓ Native Excel Add-in + Google Sheets
✓ 13-week rolling forecast (auto-updating)
✓ QuickBooks bidirectional sync
✓ Natural-language treasury assistant
✓ Accountant team access, no per-seat fees

Float

From $59/mo

✗ No direct bank connectivity
✗ No AI categorization
✗ Web app only, no Excel
✓ Up to 36-month forecast
~ QBO/Xero read-only
✗ No AI assistant
✗ Per-user pricing on higher tiers

Feature-by-Feature Comparison

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	13/26/52-week rolling	Up to 36 months
Scenario Planning	What-if analysis	Basic scenarios
Excel Native Add-in	Yes — live data in Excel	No
Google Sheets Add-on	Yes	No
Web Portal / Dashboard	Yes	Yes
QuickBooks Integration	Bidirectional sync	Read-only
Xero Integration	Q3 2026	Yes
Multi-Entity Reporting	Reporting Groups (up to 20)	Limited
Cash Health Score	0-100 score, shareable	No
Daily Digest Email	7am ET auto-briefing	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	Flat $399/mo, unlimited	From $59/mo, per-user tiers
Free Trial	14 days, no card	14 days
Setup Time	Minutes (Plaid connect)	Minutes (QBO/Xero connect)

Competitor features and pricing last verified April 2026. 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 — not data that's hours or days behind.

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 Inside the Excel You Already Use

No more switching between tabs. TreasuryFlow is the only cash management tool with a native Excel Add-in that pulls live bank data into your existing spreadsheets.

One Price, No Surprises

$399/mo includes everything — unlimited bank accounts, accountant team access, AI assistant, Excel + Google Sheets + web portal. No per-seat fees, no usage caps.

QuickBooks Bidirectional Sync

Float reads your QBO data. TreasuryFlow reads and writes — create invoices, push journal entries, and reconcile directly from the dashboard.

Enterprise Reporting at SMB Pricing

P&L statements, AR aging, vendor analytics, cash health scoring, and daily digest emails — capabilities you'd normally need a $24K/yr platform to access.