COMPARE / OFF THE SHELF

VibeCFO vs Float.

Float does one job and does it well: it turns live Xero or QuickBooks Online data into a rolling 13-week and monthly cash flow forecast with scenarios, and says most users have one working in under five minutes. VibeCFO is the alternative when the ledger is MYOB, when the answer needs the job, roster, stock or ecommerce systems around the ledger, or when you need reporting beyond the cash view.

Float

Short-term cash flow management software for finance teams and advisers at growing businesses. Connected to Xero or QuickBooks Online, it turns live transaction data into a rolling cash flow forecast, and calls itself the cash decision layer between accounting and reporting.

WHERE FLOAT WINS

Speed and focus. Float says most users connect their ledger and have a working forecast in under five minutes, the trial is 14 days without a card, every plan includes unlimited users, and it is quicker to a first result than we are. The forecast itself is mature: 13-week, weekly and monthly views out to 36 months on Growth and Scale, eight scenarios with budget lines you can switch on and off, invoices and bills mapped to the dates they are expected to be paid, recurring costs suggested from your history, comments and mentions on budget lines, and consolidation with currency conversion on Scale. If the question is what cash will do over the next quarter, it answers it cleanly.

WHERE IT STOPS

Checked against their own site in October 2026, Float connects two ledgers, Xero and QuickBooks Online, with Sage Intacct and iplicit listed as coming soon. It names no MYOB connection and no operational system - no jobs, roster, stock, ecommerce or point of sale - and its site describes no API and no file import (budgets can be pasted in from a spreadsheet). It is built for cash: its help centre says it does not do three-way forecasting, and nothing on its site describes reports or alerts sent on a schedule.

SIDE BY SIDE

The same eleven questions we ask of everyone.

Graded by who does the work, not by who could theoretically manage it. The bottom row goes against us, because it is true.

Included - works day oneYour project - you build and maintain itNot on offer - the product does not do this

WHAT YOU ACTUALLY NEED	VibeCFO	Float
WHAT IT CAN SEE
Your accounting ledger	Included	Included
Operational systemsjobs, rosters, stock, ecommerce, point of sale	Included	Not offered
Your own databases and documents	Included	Not offered
VibeCFO includes all three; Float includes your accounting ledger, but does not offer your operational systems or your own databases and documents.
WHAT IT DOES WITH IT
Hands you an answer, not a dataset	Included	Included
Composed for your business, not a template	Included	Not offered
Knows your goals, not just your numbers	Included	Not offered
Does the work and sends it, unasked	Included	Not offered
VibeCFO includes all four; Float includes an answer rather than a dataset, but does not offer reports composed for your business, a working knowledge of your goals or work done and sent unasked.
WHO IS ALLOWED TO SEE WHAT
Row-level security, before the query runs	Included	Not offered
Float controls access by company, with admin, editor and viewer roles on each; VibeCFO applies row-level security to every user before any query runs, so staff see only their own clients and rows.
WHAT IT COSTS YOU TO LIVE WITH
Nobody needs SQL, DAX or M code	Included	Included
Still standing in eighteen months, unmaintained	Included	Included
Total control of every visual and formula	You build and maintain it	Not offered
VibeCFO includes use without SQL, DAX or M code and a setup that keeps working unmaintained, but leaves total control of every visual and formula for you to build and maintain; Float includes use without SQL, DAX or M code and a setup that keeps working unmaintained, but does not offer total control of every visual and formula.

Float's side checked against its own site, pricing pages and help centre on 17 October 2026. They ship often, so re-check anything your decision turns on.

Sources: Float integrations, Float pricing, Float small business pricing, Float product, Float help: does Float do 3-way forecasting, Float help: spreadsheet data, Float help: user roles.

VibeCFO and Float, answered.

What is the difference between VibeCFO and Float?

What is the best alternative to Float?

If a short-term cash forecast off Xero or QuickBooks Online is the job, Float is very good at it and quick to set up. VibeCFO is the alternative when the ledger is MYOB, when the forecast needs operational inputs - committed jobs, rostered hours, stock on order - or when you want reporting beyond cash, composed for the business and sent on a schedule.

Does Float connect to MYOB, job management or rostering systems?

No. Checked against Float's own site in October 2026, it connects Xero and QuickBooks Online, with Sage Intacct and iplicit listed as coming soon. MYOB is not among them, and no job management, rostering, stock, ecommerce or point of sale system is named. VibeCFO reads MYOB alongside Xero and QuickBooks Online, plus systems such as simPRO, WorkflowMax, Deputy, Cin7 Core and Shopify.

Is Float or VibeCFO better for cash flow forecasting?

For a 13-week cash forecast built from a Xero or QuickBooks Online ledger, Float is purpose-built and we would not pretend otherwise. VibeCFO forecasts from live data and your own assumptions, asks for the inputs no system holds rather than inventing them, and reads the operational systems that move cash before it reaches the ledger. If the cash forecast is the whole job, start with Float; if it is one question among many, that is VibeCFO's lane.

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