Cadence vs Float
Float and Cadence both turn accounting data into a cash flow forecast. They differ in what they forecast, who they suit and how they are priced.
Side by side
Details of Float as published on its own website, checked on 7 October 2026. Products change: follow the sources for the current details.
| Feature | Cadence | Float |
|---|---|---|
| Forecast periods | Week by week over 3, 6 and 12 months, on every plan | A 13-week view on every plan; monthly forecasts to 12 months (Essentials) or 36 months (Growth and Scale) |
| Accounting connections | Xero and QuickBooks, plus CSV import | Xero, QuickBooks Online and FreeAgent |
| Expected payment dates per customer | Every plan, learned from each customer’s paid invoices, whichever system they come from | “Smart Expected Dates”, for Xero users; QuickBooks Online listed as coming soon |
| Tax in the forecast | VAT estimated from your invoices and bills; PAYE and corporation tax from your figures; every plan | Automatic VAT forecasting for Xero users in the UK |
| Users | 2 on Starter, up to 10 on Professional, up to 100 on Enterprise | Unlimited users on every plan |
| Several companies | Up to 5 companies on Enterprise, combined with currency conversion | Up to five entities on Scale, consolidated with currency conversion; more for an extra fee per entity |
| Price per month | Starter £69.99, Professional £149.99, Enterprise £349.99, billed monthly | Essentials £79, Growth £159, Scale £235 billed annually; £99, £199 and £295 billed monthly; excluding VAT |
| Free trial | 14 days, no card | 14 days, no card |
We did not find these on Float’s website when we checked: an AI assistant you can ask questions, the chance of dropping below your buffer, a record of past forecast accuracy, and statutory late payment interest on overdue invoices.
Float may suit you better if
- You want unlimited users on every plan.
- You need monthly forecasts further than 12 months ahead (Growth and Scale go to 36 months).
- You want an onboarding service included (listed on Growth and Scale).
Cadence may suit you better if
- You want the forecast week by week across the whole year, not only the next 13 weeks.
- You want VAT, PAYE and corporation tax in the forecast whichever accounting system you use.
- You want to see the chance of dropping below your buffer and which customers it comes from (Professional).
- You want to see how accurate past forecasts were (Professional), statutory late payment claims on overdue invoices, and chase emails drafted for you (Enterprise).
Judge it on your own numbers.
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