Float vs CFO Pal
Float is a dedicated cashflow forecasting tool that connects to Xero, QuickBooks, and FreeAgent. It does one thing and does it well. CFO Pal is a broader platform that includes cashflow forecasting alongside P&L reporting, budget tracking, management accounts, and proactive alerts. The right choice depends on what you actually need.
Where Float excels
Float is purpose-built for cashflow forecasting and scenario planning. It lets you create multiple forecast scenarios (best case, worst case, expected), model the impact of hiring decisions or large purchases, and visualise your projected cash position over time. If cashflow visibility is your only problem, Float is a strong tool.
Where CFO Pal goes further
CFO Pal includes cashflow forecasting but wraps it inside a broader financial management platform. You also get automated P&L reports, a balance sheet summary, budget vs actuals tracking with colour-coded status, management accounts delivered as a PDF board pack, gross margin monitoring, debtor tracking, and proactive alerts sent via email, SMS, or WhatsApp. Every Monday morning, you receive a plain English summary of your financial position without logging in.
Float does not generate a P&L. It does not track budgets. It does not produce management accounts. It does not send you weekly summaries or urgent alerts. If you need more than just a cashflow forecast, CFO Pal covers the full picture.
Pricing
Float starts at £49/month for their Essentials plan. CFO Pal starts at £49/month and includes everything: cashflow forecasting, reports, budgets, alerts, and management accounts. Float charges more for additional features like scenario planning (£99/month). CFO Pal includes all features at every tier.
More than a forecast. A full CFO.
Cashflow forecasting, P&L, budgets, management accounts, and proactive alerts. All from £49/month.
Connects to Xero, QuickBooks & Sage · UK data residency · No card required