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.
| 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 | Coming soon | 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) |
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.
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.
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.
$399/mo includes everything — unlimited bank accounts, unlimited users, AI assistant, Excel + Google Sheets + web portal. No per-seat fees, no usage caps.
Float reads your QBO data. TreasuryFlow reads and writes — create invoices, push journal entries, and reconcile directly from the dashboard.
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.
Connect your banks in 2 minutes. No credit card required.
Start Your 14-Day Free Trial →