Round half up” on floating point values?

Your first solution seems safer, and also seems like a conceptually closer fit to the problem: convert as soon as possible from float to decimal, do all relevant calculations within the decimal type, and then do a last minute conversion back to float before writing to the DB.

Use an arbitrary-precision format such as DECIMAL. That way you can leave it to the language to get it right (or wrong as the case may be).

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