GoMonio vs Float
Float is a cash flow forecasting add-on for Xero and QuickBooks Online. GoMonio connects straight to your bank and also includes bookkeeping, invoicing and document storage.
| Feature | GoMonio | Float |
|---|---|---|
| Cash flow | Included | Partly |
| Bookkeeping (Finland) | Included | Not included |
| Invoicing | Included | Not included |
| Documents | Included | Not included |
| Team and agencies | Included | Partly |
Why choose GoMonio over Float
All of this is included in every GoMonio plan.
Bookkeeping and invoicing included
Float focuses on cash flow. GoMonio also sends your invoices, stores your receipts and keeps the books for Finnish companies, so your forecast runs on the same data as your accounting.
Works without accounting software
Connect your bank through PSD2 open banking or import CSV statements. You don't need Xero, QuickBooks or another accounting tool to get started.
Built for agencies too
Agency plans let you manage several client companies from one account, each with its own books and cash flow.
- 60-day money-back guarantee
- Every feature on every plan
- Built in Europe, GDPR compliant
Feature comparison
Every GoMonio plan includes every feature below. Here's how Float compares.
| Feature | GoMonio | Float |
|---|---|---|
| Cash flow | ||
| Automatic bank sync | Included | Through other software Via Xero or QuickBooks Online |
| Cash flow forecasts | Included | Included |
| Accounts in multiple currencies | Included | Included |
| Bookkeeping (Finland) | ||
| Double-entry bookkeeping | Included | Not included |
| Purchase invoices and receipts | Included | Not included |
| VAT calculations and VAT return | Included | Not included |
| Income statement and balance sheet | Included | Not included |
| Invoicing | ||
| Sales invoicing | Included | Not included |
| Payments matched from bank transactions | Included | Not included |
| Documents | ||
| Store receipts and attachments (PDF and images) | Included | Not included |
| Team and agencies | ||
| Role-based access for your team | Included | Included |
| Manage client companies from one account | Included | Partly Separate product for advisors |
Competitor information comes from their public websites. Last checked: October 2026.
Pricing
GoMonio
Free plan with 8 transactions a month. Business Basic €29/month (100 transactions a month) and Premium €49/month (unlimited transactions), less on yearly billing. Agency plans from €99/month. Core modules and 3 users on every plan, no transaction or opening fees, and a 60-day money-back guarantee on paid Business plans.
See all plansFloat
From £99/month (Essentials, revenue under £2M), or £79/month billed yearly. Higher revenue means a higher plan. 14-day free trial.
Frequently asked questions
Do I need Xero or QuickBooks to use GoMonio?
No. GoMonio connects to your bank through PSD2 open banking, and you can also import CSV bank statements. Float works only with Xero or QuickBooks Online.
Can GoMonio replace both Float and my accounting software?
For Finnish companies, yes. GoMonio includes double-entry bookkeeping, VAT returns, sales invoicing and document storage alongside cash flow forecasting. Bookkeeping currently follows Finnish accounting rules.
Ready to try GoMonio?
Connect your bank and see your cash flow, books and invoices in one place. 60-day money-back guarantee.