- The buyer is a UK small business or self-employed person that wants bookkeeping and tax workflows in one product: FreeAgent combines invoicing, bills, expenses, banking, financial reports, VAT, tax timelines, and business-type-specific filing workflows.
- Project time, costs, billing, and profitability need to connect directly to accounting: FreeAgent projects track time, costs, income, profitability, and customer billing.
Finance & Accounting / Accounting Software
FreeAgent Review, Pricing, Pros & Cons
FreeAgent is cloud accounting software for UK small businesses, sole traders, partnerships, limited companies, and landlords to manage bookkeeping, invoices, expenses, banking, projects, payroll, and tax workflows.
Research by Global Tool Radar Research SystemEvidence checked: Aug 10, 2026AI-assisted · No Global Tool Radar hands-on testView research methodology
Buying snapshot
Quick buying snapshot
A compact view of who this tool fits, what it costs, and what to confirm before choosing it.
- Several legal entities must share one ledger and consolidated financial statements: FreeAgent requires a separate account for each company or business and does not establish native multi-entity consolidation.
- Cash-basis accounting must include stock accounting: FreeAgent states that Stock is unavailable when the account uses cash-basis accounting.
- Per-business subscription priced by business type, with monthly or annual billing, a 30-day trial, a temporary direct-purchase promotion, eligible bank-funded access, and optional monthly add-ons
- Limited Company · £33 GBP · per business account · per month · Limited Company regular monthly rate · billed monthly · no commitment · minimum 1 business account · Regular public monthly price, excluding VAT
- 30-day free trial with no credit card required
Product scope
Product functionality and purchase scope
This profile evaluates the current UK FreeAgent accounting product and its subscriptions for limited companies, partnerships or LLPs, sole traders, and unincorporated landlords.
Product checked: Aug 10, 2026
- FreeAgent Limited Company account
- FreeAgent Partnership or LLP account
- FreeAgent Sole Trader account
- FreeAgent for Landlords
- FreeAgent Practice Dashboard and partner pricing for accountants and bookkeepers
- NatWest, Royal Bank of Scotland, Ulster Bank, and Mettle banking products
- Stripe, PayPal, GoCardless, Tyl by NatWest, and other third-party payment services
- Smart Capture Unlimited and Amazon optional add-ons except where disclosed as charges
- Accounting, bookkeeping, migration, and tax professional services
Pricing checked: Aug 10, 2026
- Eligible business-bank-funded FreeAgent access: One FreeAgent account can be provided without a separate subscription charge while the buyer retains an eligible NatWest, Royal Bank of Scotland, or Ulster Bank business current account, or meets the stated Mettle account-use condition; optional add-ons remain chargeable.
- £0 GBP · per eligible business account · Eligible business-bank-funded access · minimum 1 eligible business bank account · Eligible NatWest, Royal Bank of Scotland, or Ulster Bank business current account retained, or eligible Mettle account with the stated activity condition
- one funded FreeAgent account per eligible business-bank account
- optional add-ons may be chargeable
Pricing plans
FreeAgent pricing table
Pricing checked: Aug 10, 2026
Official factConfidence 99%1 linked source
Regular UK prices are GBP 33 per month or GBP 330 per year for a limited company, GBP 27 or GBP 270 for a partnership or LLP, GBP 19 or GBP 190 for a sole trader, and GBP 10 or GBP 100 for an unincorporated landlord. The page also shows 50% introductory pricing for eligible new direct customers and free access tied to specified business-bank-account eligibility.
Official pricing pagePricing cautions
- Business type determines the subscription and cannot be changed later: The four public rates are not interchangeable plans; the buyer must create the correct business-type account, and a later legal-entity change requires a new account.
- Introductory prices revert to regular rates: Eligible direct-paying new customers receive the displayed discount only for the initial six months or first annual period; later periods use the applicable regular price.
- Bank-funded access is conditional: The zero-price route lasts only while the specified bank-account eligibility is maintained and does not make optional add-ons free.
PlanPriceKey differencesBest for
Limited CompanyFreeAgent Limited Company accountSupporting pricing evidence
- £33 GBP · per business account · per month · Limited Company regular monthly rate · billed monthly · no commitment · minimum 1 business account · Regular public monthly price, excluding VAT
- £330 GBP · per business account · per year · Limited Company regular annual rate · billed annually · no commitment · minimum 1 business account · Regular public annual price, excluding VAT
- £16.50 GBP · per business account · per month · Limited Company first-six-month promotional rate · promotional · billed monthly · no commitment · minimum 1 business account · Eligible new direct-paying customers
- first six months
- cannot normally be combined with another promotion
- excluding VAT
- £165 GBP · per business account · per year · Limited Company first-year promotional annual rate · promotional · billed annually · no commitment · minimum 1 business account · Eligible new direct-paying customers
- first year
- cannot normally be combined with another promotion
- excluding VAT
- Supported business type: UK limited company; The business type selected at setup cannot later be changed.
Partnership or LLPFreeAgent Partnership or LLP accountSupporting pricing evidence
- £27 GBP · per business account · per month · Partnership or LLP regular monthly rate · billed monthly · no commitment · minimum 1 business account · Regular public monthly price, excluding VAT
- £270 GBP · per business account · per year · Partnership or LLP regular annual rate · billed annually · no commitment · minimum 1 business account · Regular public annual price, excluding VAT
- £13.50 GBP · per business account · per month · Partnership or LLP first-six-month promotional rate · promotional · billed monthly · no commitment · minimum 1 business account · Eligible new direct-paying customers
- first six months
- cannot normally be combined with another promotion
- excluding VAT
- £135 GBP · per business account · per year · Partnership or LLP first-year promotional annual rate · promotional · billed annually · no commitment · minimum 1 business account · Eligible new direct-paying customers
- first year
- cannot normally be combined with another promotion
- excluding VAT
Sole TraderFreeAgent Sole Trader accountSupporting pricing evidence
- £19 GBP · per business account · per month · Sole Trader regular monthly rate · billed monthly · no commitment · minimum 1 business account · Regular public monthly price, excluding VAT
- £190 GBP · per business account · per year · Sole Trader regular annual rate · billed annually · no commitment · minimum 1 business account · Regular public annual price, excluding VAT
- £9.50 GBP · per business account · per month · Sole Trader first-six-month promotional rate · promotional · billed monthly · no commitment · minimum 1 business account · Eligible new direct-paying customers
- first six months
- cannot normally be combined with another promotion
- excluding VAT
- £95 GBP · per business account · per year · Sole Trader first-year promotional annual rate · promotional · billed annually · no commitment · minimum 1 business account · Eligible new direct-paying customers
- first year
- cannot normally be combined with another promotion
- excluding VAT
LandlordFreeAgent for Landlords accountSupporting pricing evidence
- £10 GBP · per business account · per month · Landlord regular monthly rate · billed monthly · no commitment · minimum 1 business account · Unincorporated landlord account
- regular public monthly price, excluding VAT
- £100 GBP · per business account · per year · Landlord regular annual rate · billed annually · no commitment · minimum 1 business account · Unincorporated landlord account
- regular public annual price, excluding VAT
- £5 GBP · per business account · per month · Landlord first-six-month promotional rate · promotional · billed monthly · no commitment · minimum 1 business account · Eligible new direct-paying unincorporated landlords
- first six months
- cannot normally be combined with another promotion
- excluding VAT
- £50 GBP · per business account · per year · Landlord first-year promotional annual rate · promotional · billed annually · no commitment · minimum 1 business account · Eligible new direct-paying unincorporated landlords
- first year
- cannot normally be combined with another promotion
- excluding VAT
Variable usage cost
Usage cost scenarios
Calculate additional usage only where the plan allowance, unit, and period are established. Published rates are shown separately when an estimate is not available.
Smart Capture Unlimited
£5.00 GBP / business account
Published rate only. The plan allowance, matching unit, or billing period is not fully established, so extra cost cannot be calculated. An unknown allowance is not zero. Check the base subscription and any required products separately.
Amazon UK connection
£6.00 GBP / business account
Published rate only. The plan allowance, matching unit, or billing period is not fully established, so extra cost cannot be calculated. An unknown allowance is not zero. Check the base subscription and any required products separately.
This calculation compares usage with the published allowance on the same unit and period basis. It excludes taxes, negotiated terms, and unverified packaging conditions.
What is included, connected, or sold separately
Product scope
What is included, connected, or sold separately
Material capabilities are separated by their verified relationship to the target product.
Eligible bank-funded FreeAgent accountRelationship not verified
Conditional access route tied to maintaining the documented bank eligibility; optional add-ons may be chargeable.
Eligible NatWest Group or Mettle business bank account
Smart Capture UnlimitedRelationship not verified
Up to 10 files per month are included; unlimited processing is separately priced.
Plan: Limited Company: Not verified · Partnership or LLP: Not verified · Sole Trader: Not verified · Landlord: Not verifiedSmart Capture Unlimited
Stock accountingRelationship not verified
Stock also requires traditional accrual accounting and is unavailable under cash basis.
Plan: Limited Company: Not verified · Partnership or LLP: Not verified · Sole Trader: Not verified · Landlord: Not verified
How the score is calculated
Scoring method
How the score is calculated
The score uses the category-specific buying dimensions below and their displayed weights.
This page is based on public product information, official sources, structured feature data, and multi-model AI evaluation. It is not a hands-on lab test unless explicitly stated. Confidence percentages describe our research indicators, not the probability that a claim is true or a measured accuracy rate.
- Evidence confidence
- 76%
- AI claim confidence
- 99%
- Required-field evidence status
- 100%
- Evidence freshness
- 54%
- Field traceability
- 100%
- Model agreement
- 91%
Why this confidence level
- Evidence confidence uses source level and claim-to-source support; AI claim confidence is shown separately.
- Required-field evidence status measures whether weighted required claims have evidence links; it does not mean every product behavior was independently verified.
- 8 of 8 weighted claims have evidence links.
- 0 A1 documentary official sources and 7 A2 official product sources are linked.
- 9 independent review sources are retained, including 2 professional sources with an explicit hands-on method.
- 4 weighted claims are past the review window.
- No blocking evidence conflict was identified.
Core accounting and financial reporting22%
76Bookkeeping with multi-currency documents and bank accounts, combined with account-type UK tax workflows and project profitability, supports core accounting and filing-oriented reporting for a single UK entity.
Payables, receivables, and cash workflows16%
83Automated and recurring invoices, reminders, bills, expenses, and connected online payments support both receivables and payables workflows in a practical small-business setting. The score is limited because the facts do not describe advanced collections, approvals, or payment-run controls.
Banking and reconciliation14%
83Bank feeds, categorisation, matching, and reconciliation are directly supported, which covers the main banking workflow for small-business accounting. The score is slightly below top tier because the supplied facts do not detail exception management, rules depth, or reconciliation analytics.
Controls, auditability, and compliance14%
68Permission levels, UK VAT and Making Tax Digital workflows by account type, and a transaction Audit Trail support compliance-oriented control, constrained by the two-year Audit Trail window and type-specific feature availability.
Integrations and data portability12%
59The facts confirm bank feeds and a funded-access route through specified banks, which shows some connectivity, but they do not establish an integration catalog, export breadth, or portability tooling. That makes the score modest because the integration boundary is only partly defined.
Operational finance depth12%
76Integrates project time, expense tracking, and profitability analysis, but excludes stock accounting capabilities for cash-basis users.
Usability, support, and total cost10%
73Per-business standard prices from GBP 10 to GBP 33 monthly or GBP 100 to GBP 330 annually with no commitment, a 30-day trial, optional bank-funded access, and time-limited direct promotions keep entry flexible, while separate accounts per business and a locked business type raise ongoing admin and cost for multi-entity or changing structures.
Public review signals
FreeAgent has strong ratings on major accounting-software review pages, with a lower TrustRadius score
Capterra, GetApp, and Software Advice each display 4. 5/5 from 179 reviews, while G2 displays 4. 3/5 from 43 reviews and TrustRadius displays 5. 9/10 from 57 reviews and ratings. The three Digital Markets pages may share overlapping review samples, and the smaller SoftwareReviews and SourceForge samples should be read with caution.
Public review signals updated: Aug 10, 2026
Commonly reported strengths
- G2 reviewers commonly highlight straightforward bookkeeping, tax forecasting, and automation for small businesses.
- Capterra and GetApp reviewers commonly highlight invoicing, expense management, tax workflows, and accessible cloud-based bookkeeping.
Commonly reported concerns
- G2 reviewers commonly report limits in advanced customization, integrations, and accounting depth.
- TrustRadius reviewers commonly report less flexible reporting, navigation, contact handling, and categorization for unusual transactions.
Capterra4.5/5
- Review count
- 179 reviews
- Source context
- FreeAgent on CapterraExact product
G24.3/5
- Review count
- 43 reviews
- Source context
- FreeAgent on G2Exact product
GetApp4.5/5
- Review count
- 179 reviews
- Source context
- FreeAgent on GetAppExact product
Software Advice4.5/5
- Review count
- 179 reviews
- Source context
- FreeAgent on Software AdviceExact product
SoftwareReviews7.7/10
- Review count
- 11 reviews
- Source context
- FreeAgent composite score on SoftwareReviewsExact product
TrustRadius5.9/10
- Reviews and ratings
- 57 reviews and ratings
- Source context
- FreeAgent on TrustRadiusExact product
Limited review signals
These ratings are retained for transparency but are not presented as representative buyer sentiment.
SourceForge5/5
Insufficient sample · 1 review or rating
- Reviews and ratings
- 1 review or rating
- Source context
- FreeAgent on SourceForgeExact product
Independent editorial perspectives
Accessible small-business bookkeeping with strong forecasting, but mixed views on workflow simplicity
Tech.co and TechRadar both present FreeAgent as capable small-business accounting software with useful invoicing, expenses, forecasting, and tax-oriented workflows. TechRadar found the interface clean and intuitive, while Tech.co reported that some basic tasks and support paths can be harder to navigate; both also identify fit or cost limitations for particular buyers.
Professional reviews are shown separately from public user ratings and do not affect the Global Tool Radar score.
Editorial research updated: Aug 10, 2026
Affordable small-business accounting with useful forecasting and approachable day-to-day workflows
Tech.co's product testing found FreeAgent affordable and capable for small businesses, with tax forecasting, cash-flow tools, and generally accessible workflows. It cautioned that support options and navigation for some basic tasks can feel more complicated than expected.
- Review basis
- hands on
- Testing standard
- independent hands on
- Editorial independence
- Verified policy
- Source updated
- Jul 21, 2026
- Commercial disclosure
- none stated
Review details
- Built-in tax forecasting and planning tools
- Cash-flow alerts and projections
- Templates and an interface that are approachable for beginners
- Support options can be difficult to navigate
- Some basic feature workflows are less intuitive than expected
- Interface calls to action can be distracting
Comprehensive online bookkeeping for small businesses, but potentially expensive for sole proprietors
TechRadar found FreeAgent easy to set up and navigate, with comprehensive invoicing, expense handling, forecasting, mobile access, and support. It considered the product a stronger value for established small businesses than for sole proprietors with modest needs.
- Review basis
- hands on
- Testing standard
- independent hands on
- Editorial independence
- Verified policy
- Source updated
- Aug 14, 2025
- Commercial disclosure
- affiliate
Review details
- Simple account setup and clean navigation
- Comprehensive invoicing and expense workflows
- Forecasting, mobile access, and multiple support channels
- Can be expensive for sole proprietors
- A single-tier structure provides less packaging flexibility
- Larger organizations may want more customization
FreeAgent core capabilities
- Automated and recurring invoices, reminders, and connected online payments
- Bills, expenses, Smart Capture, bank feeds, categorisation, matching, and reconciliation
- Project time, cost, billing, payment, and profitability tracking
- VAT, Self Assessment, Corporation Tax, payroll, and Making Tax Digital workflows by account type
- Multi-currency invoices, bills, expenses, and bank accounts
- Perpetual stock accounting for supported accrual-basis accounts
Detailed strengths and purchase cautions
Why it is worth considering
- The product combines bookkeeping, invoices, expenses, bank categorisation, matching, and reconciliation in a single cloud accounting workflow.
- The product includes direct tax workflows for VAT, Self Assessment, Corporation Tax, payroll, and Making Tax Digital by account type.
- The product supports project time, cost, billing, payment, and profitability tracking for businesses that need project-linked accounting.
What to confirm before buying
- Each business or company needs a separate account, so multi-entity buyers need a separate subscription for each entity.
- The selected business type cannot be changed after setup, so the account choice has to match the buyer's legal structure.
- The Audit Trail report covers supported transaction history for a maximum of two years, which limits how much historical control detail is available in that report.
Cross-model buying perspectives
Multi-AI review
Cross-model buying perspectives
Multiple AI models assess this tool against the same buying criteria, so you can compare scores, confidence, fit, cautions, and final views.
AI assessment updated: Sep 21, 2026
Score comparisonGeminiGPTxAIRange
Core accounting and financial reporting72847312
Payables, receivables, and cash workflows8582814
Banking and reconciliation8583823
Controls, auditability, and compliance6572667
Integrations and data portability70604822
Operational finance depth7579754
Usability, support, and total cost80687112
accounting ledger bookkeeping depth75847410
accounting bank reconciliation quality8583823
accounting transaction workflow fit8080800
accounting financial reporting basics7074686
finance controls auditability6570628
finance system integration reliability70625218
- Integrations and data portability: 48–70 (22-point range)
- finance system integration reliability: 52–70 (18-point range)
- Core accounting and financial reporting: 72–84 (12-point range)
GeminiAI-assisted buyer perspective75
FreeAgent is a tailored UK cloud accounting platform suitable for sole traders, landlords, partnerships, and limited companies, integrating direct tax filing and project tracking, but limited by a rigid setup structure and a two-year audit trail restriction.
- Review confidence
- 75/100
Model details
- Strengths
- Integrates specialized tax workflows including VAT, Self Assessment, Corporation Tax, and Making Tax Digital directly within the accounting platform based on the selected business type.
- Provides unified project tracking that connects time logging, costs, invoicing, and profitability directly with core bookkeeping records.
- Offers a zero-price subscription route for eligible customers holding specified NatWest, Royal Bank of Scotland, Ulster Bank, or Mettle business bank accounts.
- Cautions
- Locks the selected business type permanently at setup, requiring a completely new account if the legal structure of the business changes later.
- Restricts transaction history visibility in the Audit Trail report to a maximum of two years.
- Requires a separate paid account for every individual business or company, with no native option for multi-entity consolidation.
GPTAI-assisted buyer perspective75
FreeAgent fits UK small businesses and self-employed buyers that want bookkeeping, invoicing, bank reconciliation, and direct tax workflows in one product, especially when the business type matches one of the supported account types. Buyers should check the required business-type account, whether they need payroll or stock support by account type and accounting basis, and whether they qualify for the bank-funded access route or only the standard subscription.
- Review confidence
- 75/100
Model details
- Strengths
- The product combines bookkeeping, invoices, expenses, bank categorisation, matching, and reconciliation in a single cloud accounting workflow.
- The product includes direct tax workflows for VAT, Self Assessment, Corporation Tax, payroll, and Making Tax Digital by account type.
- The product supports project time, cost, billing, payment, and profitability tracking for businesses that need project-linked accounting.
- Cautions
- Each business or company needs a separate account, so multi-entity buyers need a separate subscription for each entity.
- The selected business type cannot be changed after setup, so the account choice has to match the buyer's legal structure.
- The Audit Trail report covers supported transaction history for a maximum of two years, which limits how much historical control detail is available in that report.
xAIAI-assisted buyer perspective70
FreeAgent fits UK sole traders, partnerships or LLPs, limited companies, and unincorporated landlords that need bookkeeping, invoicing, bank reconciliation, project profitability, and account-type tax workflows in one product, provided each business uses its own account, the business type is correct at setup, and the two-year Audit Trail window is acceptable.
- Review confidence
- 70/100
Model details
- Strengths
- Bank feeds with categorisation, matching, and reconciliation support ongoing cash posting and ledger upkeep for a single UK business account.
- Automated and recurring invoices, reminders, and connected online payments reduce manual accounts-receivable handling.
- Projects connect time, costs, billing, payments, and profitability to the same bookkeeping records used for invoices and expenses.
- VAT, Self Assessment, Corporation Tax, payroll, and Making Tax Digital workflows are available by account type so direct UK tax work can stay alongside the books.
- Cautions
- Each company or business requires a separate FreeAgent account, so multi-entity groups incur repeated subscriptions and separate administrations.
- The business type selected at setup cannot be changed later, so a later legal-form change requires a new account.
- The transaction Audit Trail report covers supported history for a maximum of two years.
- Perpetual stock accounting applies only to supported accrual-basis accounts, and payroll availability depends on business type and accounting basis.
Research transparency
How this page was researched
A compact record of the evidence used, what was not tested, and which conclusions still need verification.
- Official sources
- 7
- Broad product review sources
- 7
- Marketplace and app-store sources
- 0
- Editorial sources
- 2
- Latest evidence check
- Aug 10, 2026
Research basis
Global Tool Radar generated this assessment from structured facts linked to public sources. No Global Tool Radar hands-on test is recorded in this page's research data. Any external hands-on assessment is identified separately and does not affect the Global Tool Radar score.
Conflict handlingNo unresolved evidence conflict is currently recorded.
View research methodologyVerified findings30-day free trial with no credit card required
- Per-business subscription priced by business type, with monthly or annual billing, a 30-day trial, a temporary direct-purchase promotion, eligible bank-funded access, and optional monthly add-ons
- Automated and recurring invoices, reminders, and connected online payments Bills, expenses, Smart Capture, bank feeds, categorisation, matching, and reconciliation Project time, cost, billing, payment, and profitability tracking VAT, Self Assessment, Corporation Tax, payroll, and Making Tax Digital workflows by account type Multi-currency invoices, bills, expenses, and bank accounts Perpetual stock accounting for supported accrual-basis accounts Permission levels and a transaction Audit Trail report
- GBP 10 per month or GBP 100 per year for an unincorporated landlord account at the regular public rate; sole-trader, partnership or LLP, and limited-company rates are higher
- Regular UK prices are GBP 33 per month or GBP 330 per year for a limited company, GBP 27 or GBP 270 for a partnership or LLP, GBP 19 or GBP 190 for a sole trader, and GBP 10 or GBP 100 for an unincorporated landlord. The page also shows 50% introductory pricing for eligible new direct customers and free access tied to specified business-bank-account eligibility.
Verification notes and unresolved itemsCurrent UK official sources bind regular monthly and annual prices to each business type.
- Promotional amounts were retained only with new-customer and introductory-period limitations.
- Annual billing was not interpreted as a minimum annual contract because FreeAgent states that subscriptions can be cancelled at any time
- refund treatment was not inferred.
- Bank-funded access remains a separate conditional purchase path rather than a universal free plan.
Sources checked
Sources checked
FreeAgent source links
FreeAgent Audit Trail reportFreeAgentLevel A2Linked to 0 scored claimsChecked Aug 10, 2026
Stock valuation in FreeAgentFreeAgentLevel A2Linked to 1 scored claimChecked Aug 10, 2026
Set up your FreeAgent accountFreeAgentLevel A2Linked to 0 scored claimsChecked Aug 10, 2026
FreeAgent banking and reconciliationFreeAgentLevel A2Linked to 0 scored claimsChecked Aug 10, 2026
FreeAgent product comparisonFreeAgentLevel A2Linked to 3 scored claimsChecked Aug 10, 2026
FreeAgent pricingFreeAgentLevel A2Linked to 5 scored claimsChecked Aug 10, 2026
FreeAgent accounting softwareFreeAgentLevel A2Linked to 0 scored claimsChecked Aug 10, 2026
FAQ
FreeAgent FAQ
Does FreeAgent offer a free trial?
Yes. FreeAgent advertises a 30-day trial with no credit card required.
Can one FreeAgent account manage multiple businesses?
No. FreeAgent states that each company or business needs a separate account.
How can FreeAgent be provided without a separate subscription charge?
One account may be funded through specified NatWest, Royal Bank of Scotland, Ulster Bank, or qualifying Mettle business-bank arrangements while the documented eligibility remains satisfied; add-ons may still cost extra.
Does FreeAgent support project profitability?
Yes. Its Projects workflow tracks project time, costs, income, payments, and profitability.
Popular comparisons
Common FreeAgent comparisons
Only high-scoring and nearby tools from the same subcategory are shown, avoiding comparisons between unrelated use cases.
VS #1
FreeAgentvsQuickBooks Online
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VS #2
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VS #3
FreeAgentvsXero
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