bluprnts vs Float

bluprnts is web-based cash flow forecasting software for founders, finance teams, and small businesses. Build a forecast from business inputs such as products, sales, employees, costs, and financing; the model derives monthly P&L, balance sheet, and cash flow statements, along with bank balance, runway, and breakeven. Users can adjust assumptions and compare scenarios against a base plan. An AI assistant answers questions and can make model changes, while the forecasting engine calculates the figures. Optional Xero integration provides read-only report-level actuals; bluprnts says it does not write to Xero or read invoices, bills, contacts, or bank transactions. Stakeholder reports include AI-written narrative. Growth and Scale include PDF export and tokenised share links; Growth also has project modelling, while Scale supports multiple companies under one account. The 7-day trial requires no card but limits records to 3 products, 3 people, 3 sales, 5 costs, and 2 financing lines. Starter costs £79 a month or £790 a year; Growth is £99 a month or £990 a year; Scale is £199 a month or £1,990 a year.

Float turns data from connected accounting software into rolling cash flow forecasts for finance teams. It offers weekly and 13-week views, plus monthly forecasts that extend up to three years on Growth and Scale. Users can adjust income and costs, model scenarios and estimate new-hire costs before committing. Float shows invoices and bills with expected payment dates based on when clients actually pay. Its current accounting integrations are Xero and QuickBooks Online; a direct Sage Intacct connection is described as coming soon. Float does not connect directly to banks: bank transaction data comes through the connected accounting platform. Data syncs every 24 hours, with manual sync also available. Teams can comment on budget lines, invoices, bills and payments, tag colleagues and receive mention notifications. Admin, Editor and Viewer roles govern access. Float lists encryption in transit and at rest, multi-factor authentication, role-based access and independent auditing to the UK government-backed Cyber Essentials standard. The web service has no free plan; pricing starts at $105/mo (annual), with a 14-day trial. Essentials forecasts up to 12 months; Growth and Scale cover 36 months.