# FreeAgent — UK cloud accounting with HMRC filing, bank feeds and AI receipt capture, priced per business type. > Source: Tick Mark Books — https://tickmarkbooks.com/freeagent (structured, researched, re-verified) FreeAgent is UK cloud accounting software for small businesses, freelancers, landlords and their accountants, covering bank feeds, invoicing, expenses, payroll and projects. It files VAT, Self Assessment, MTD updates and limited-company year-end returns directly to HMRC. **Best for:** UK sole traders and small limited companies filing their own VAT and Self Assessment | Fact | Value | | --- | --- | | Website | https://www.freeagent.com/ | | Category | Accounting software, Bookkeepers and accounting firms, Cheapest accounting software, Freelancers and the self-employed, Free accounting software, Small businesses | | Open source | No | | Price | £10 a month (about $13) | | Price checked | 26 October 2026 | Screenshot of FreeAgent: https://tickmarkbooks.com/img/1920/screenshots/freeagent.webp, captured 26 October 2026 **What we checked** - Pages last read: 26 October 2026 - Price on its site: From £10 a month (about $13) (From its pricing page) ## FreeAgent in our research **Also named in** - [Freelancer accounting software with bank feeds](https://tickmarkbooks.com/collections/freelancer-accounting-software-with-bank-feeds) · Collection ## What it costs A month of books at 100 transactions: about $25 a month at 100 transactions, on Sole trader ## FreeAgent price and plans Prices excluding tax, as FreeAgent publishes them. | Plan | Price | What's included | | --- | --- | --- | | Limited company | £33 a month (about $44) | Flat fee | | Partnership or LLP | £27 a month (about $36) | Flat fee | | Sole trader | £19 a month (about $25) | Flat fee | | Landlord | £10 a month (about $13) | Keeps no full set of books; Flat fee | | Free | Free | Partner customers only; Flat fee | Pricing page as we captured it: https://tickmarkbooks.com/img/1920/screenshots/freeagent/pricing.webp, captured 26 October 2026 Read on https://www.freeagent.com/pricing/, 26 October 2026. ## What FreeAgent costs at your volume | Transactions | Cost | Plan | | --- | --- | --- | | 100 | £19 a month (about $25) | Sole trader | | 500 | £19 a month (about $25) | Sole trader | ## What we checked on FreeAgent ### What it costs to keep your books **Cost at 100 transactions a month** · Yes — £0 a month on Free for 100 transactions. > If you have a business current account with NatWest, Royal Bank of Scotland, Ulster Bank, for as long as you retain the account - or have a Mettle bank account and make at least one transaction a month. > — https://www.freeagent.com/pricing/ · Pricing page, Free card, checked 26 October 2026 **Cost at 500 transactions a month** · Yes — £0 a month on Free for 500 transactions. > If you have a business current account with NatWest, Royal Bank of Scotland, Ulster Bank, for as long as you retain the account - or have a Mettle bank account and make at least one transaction a month. > — https://www.freeagent.com/pricing/ · Pricing page, Free card, checked 26 October 2026 **Cost for a solo freelancer** · Yes — A freelancer pays the Sole trader plan: £19 a month (about $25) plus VAT at the regular rate, £9.50 (about $13) for the first six months, with bank feeds and receipt capture included and no per-transaction charge. > Regular price: £19/month (about $25) > — https://www.freeagent.com/pricing/ · Pricing page, 'Pricing for UK sole traders', Billed monthly card, checked 26 October 2026 **Promotion and regular price** · Yes — promotion: every paid plan is advertised at 50% off for the first six months (or first year on annual billing), after which the regular published price applies. > 50% off for your first six months > — https://www.freeagent.com/pricing/ · Pricing page, Billed monthly card, under the introductory price, checked 26 October 2026 **Ledger included** · Yes — FreeAgent is the accounting ledger itself: it keeps the books, builds the accounting reports and files the returns, so no QuickBooks or Xero subscription sits underneath it. > Key accounting reports are built automatically and available to view at any time. > — https://www.freeagent.com/features/accounting-software/ · Features page, 'Make smarter business decisions', Quick access to financial reports, checked 26 October 2026 **What the price is based on** · Yes — One flat monthly fee per business, set by the business type rather than by transaction volume, spending or seats: £33 (about $44) limited company, £27 (about $36) partnership, £19 (about $25) sole trader, £10 (about $13) landlord. > Regular price: £33/month (about $44) > — https://www.freeagent.com/pricing/ · Pricing page, 'Pricing for UK limited companies', Billed monthly card, checked 26 October 2026 **Past your plan’s limits** · Partly — No transaction cap is published, but Smart Capture is metered: ten receipts and bills a calendar month as standard, and more only via the £5 (about $6.70) unlimited add-on. > All businesses can use Smart Capture to process up to 10 receipts and bills per month as standard. The Smart Capture Unlimited add-on enables unlimited use of the feature. > — https://www.freeagent.com/pricing/ · Pricing page, footnote 1 under 'Optional add-ons', checked 26 October 2026 **Setup or onboarding fee** · No — The vendor states plainly that it charges nothing to set up an account, and the UK pricing page lists no onboarding or implementation fee beside any plan. > There are no set-up fees of any kind. > — https://www.freeagent.com/us/pricing/ · Pricing page, 'No contract or setup fees' panel, checked 26 October 2026 **Notice before a price rise** · Yes — The terms of service promise at least 60 days' advance notice of a price or payment-term change, and a chance to decide whether to carry on before any increase. > Where the change relates to the price or payment terms we’ll give you not less than 60 days’ advance notice of the change. > — https://www.freeagent.com/company/terms/ · Terms of Service, changes to the service and fees, checked 26 October 2026 ### What the AI does with your books **What the AI does** · Yes — Two AI features: machine-learning categorization of bank transactions that learns from your corrections, and Smart Capture, which extracts data from receipts and bills and matches them to transactions. > Our machine learning functionality harnesses the power of AI to automatically categorise your transactions. It gets smarter over time as it learns from you > — https://www.freeagent.com/features/banking/ · Banking page, 'Smarter transaction categorisation', checked 26 October 2026 **What the AI costs** · Partly — included in every plan for smart categorization and the first ten captures a month; processing more than ten receipts or bills needs the £5 (about $6.70)-a-month Smart Capture Unlimited add-on. > Unlock unlimited use of the Smart Capture tool, which offers automatic data extraction, transaction matching and categorisation for receipt and bill images and files. > — https://www.freeagent.com/pricing/ · Pricing page, Optional add-ons, 'Unlimited receipt and bill captures', checked 26 October 2026 **Categorizes transactions** · Yes — The Guess feature categorizes imported bank transactions using machine learning on your own past explanations, so corrections you make feed the next suggestion. > Guess has been enhanced with AI-powered machine learning algorithms that can automatically categorise new bank transactions. > — https://support.freeagent.com/hc/en-gb/articles/115001586004-How-does-Guess-explain-your-transactions · Knowledge Base, 'How does Guess explain your transactions?', checked 26 October 2026 **Reconciles your accounts** · Yes — A Bank Reconciliation report compares the FreeAgent balance with the bank statement balance for each account; you run and review it yourself rather than it closing the month for you. > The Bank Reconciliation report is designed to aid with the bank reconciliation process of checking that the balance on your bank statement matches the bank balance in your accounts. > — https://support.freeagent.com/hc/en-gb/articles/7096372611346-Bank-Reconciliation-report · Knowledge Base, 'Bank Reconciliation report', checked 26 October 2026 **Reads receipts and bills** · Yes — Photograph, share or drag in a receipt or bill and Smart Capture extracts the key data, suggests a category and attaches it to the matching bank transaction for approval. > FreeAgent will then extract key data, provide AI-powered categorisation and automatically match a bill or receipt to the relevant bank transaction. Then all you have to do is hit ‘approve’. > — https://www.freeagent.com/features/expenses/ · Expenses page, 'Process your receipts and bills with Smart Capture', checked 26 October 2026 **Pays your bills** · Partly — Bills are captured, recorded and tracked as accounts payable inside FreeAgent, but actually paying them is left to partner products in its own Payment solutions directory rather than done in the product. > Keep track of supplier invoices and accounts payable status > — https://www.freeagent.com/features/expenses/ · Expenses page, 'Here's the bottom line about expenses' list, checked 26 October 2026 **Sends invoices** · Yes — You create, send and automate invoices and reminders from web or mobile, and customers pay in one click through Stripe, PayPal, GoCardless or Tyl, which records the payment against the invoice. > Get paid faster with smart invoicing tools. Create automated invoices and reminders and set up easy online payments. > — https://www.freeagent.com/pricing/ · Pricing page, 'Nail the daily admin' table, Invoicing row, checked 26 October 2026 **Accrual books and reports** · Partly — It keeps accruals-basis books with automatic accounting reports, a dashboard profit and loss and limited-company Final Accounts; what it publishes for cash is a Cashflow forecast, not a monthly cash flow statement. > See the big picture for your business including cashflow, profit and loss, invoice and tax timelines. > — https://www.freeagent.com/pricing/ · Pricing page, 'Nail the daily admin' table, Dashboard row, checked 26 October 2026 ### Who checks the AI’s work **People check the books** · No — Checking the AI is yours: Smart Capture ends with you approving each captured bill or receipt, and no plan includes a bookkeeper reviewing the books, only UK support accountants answering questions. > Then all you have to do is hit ‘approve’. Job done! > — https://www.freeagent.com/features/expenses/ · Expenses page, 'Process your receipts and bills with Smart Capture', checked 26 October 2026 **Your accountant can sign in** · Yes — You invite your accountant or bookkeeper into the same books, or a FreeAgent partner practice moves the account onto its Practice Dashboard; the plan price is per business, not per seat. > Send your accountant or bookkeeper an invite to start working seamlessly together in real time. > — https://www.freeagent.com/ · Homepage, 'Work with your accountant' panel, checked 26 October 2026 ### Where your books live and what it connects to **Bank and card feeds** · Yes — Open Banking and third-party API bank feeds import business transactions automatically for the major UK banks; unsupported banks fall back to statement upload or manual entry. > Bank feeds automatically import all of your business transactions into your FreeAgent account and they’re super easy to set up. FreeAgent supports cutting-edge Open Banking bank feeds > — https://www.freeagent.com/features/banking/ · Banking page, 'Seamless syncing with bank feeds', checked 26 October 2026 **Stripe** · Yes — Its partner directory carries Stripe, PayPal, GoCardless, Tyl, SumUp, WooCommerce and a paid Amazon UK add-on, but no Shopify, Square or Gusto appear in any category of that directory. > Import PayPal transactions automatically and accept card payments from customers. > — https://www.freeagent.com/integrations/ · Integrations directory, Payment solutions category, PayPal entry, checked 26 October 2026 **Shopify** · No — Its partner directory carries Stripe, PayPal, GoCardless, Tyl, SumUp, WooCommerce and a paid Amazon UK add-on, but no Shopify, Square or Gusto appear in any category of that directory. > Import PayPal transactions automatically and accept card payments from customers. > — https://www.freeagent.com/integrations/ · Integrations directory, Payment solutions category, PayPal entry, checked 26 October 2026 **PayPal** · Yes — Its partner directory carries Stripe, PayPal, GoCardless, Tyl, SumUp, WooCommerce and a paid Amazon UK add-on, but no Shopify, Square or Gusto appear in any category of that directory. > Import PayPal transactions automatically and accept card payments from customers. > — https://www.freeagent.com/integrations/ · Integrations directory, Payment solutions category, PayPal entry, checked 26 October 2026 **Square** · No — Its partner directory carries Stripe, PayPal, GoCardless, Tyl, SumUp, WooCommerce and a paid Amazon UK add-on, but no Shopify, Square or Gusto appear in any category of that directory. > Import PayPal transactions automatically and accept card payments from customers. > — https://www.freeagent.com/integrations/ · Integrations directory, Payment solutions category, PayPal entry, checked 26 October 2026 **Gusto payroll** · No — Its partner directory carries Stripe, PayPal, GoCardless, Tyl, SumUp, WooCommerce and a paid Amazon UK add-on, but no Shopify, Square or Gusto appear in any category of that directory. > Import PayPal transactions automatically and accept card payments from customers. > — https://www.freeagent.com/integrations/ · Integrations directory, Payment solutions category, PayPal entry, checked 26 October 2026 **Payroll** · Yes — built in: monthly payroll with RTI submission to HMRC, payslips and P60s is part of the subscription, and extra employees cost nothing more. > All-in-one payroll and accounting - at no extra cost > — https://www.freeagent.com/features/payroll/ · Payroll page, page heading, checked 26 October 2026 **Moves your history in** · Partly — Switching imports contacts, opening balances from your trial balance and up to two years of bank transactions at no stated cost, but historical sales invoices and bills need a third-party tool such as AutoEntry, Dext or Fabio. > While not essential, you can also import historical sales invoices or bills (supplier invoices) using a third-party integration such as AutoEntry, Dext or Fabio. > — https://www.freeagent.com/switch-to-freeagent/ · Switch page, 'Add optional additional data' step, checked 26 October 2026 **Platforms** · Yes — web, ios, android: it runs in the browser on any internet-connected device, with native iOS and Android apps; no Windows or Mac desktop application is offered. > Download it now on iOS and Android: > — https://www.freeagent.com/features/mobile/ · Mobile page, under the page heading, checked 26 October 2026 **Getting your books out** · Yes — Level 8 users can export the whole account to a spreadsheet and all attachments to a zip; FreeAgent warns the export is for record keeping and cannot be loaded back in. > You can either export all of your account data into a spreadsheet file, or you can export all of your files and attachments into a zip folder. > — https://support.freeagent.com/hc/en-gb/articles/115001218490-Export-all-data-attachments-and-files-in-your-FreeAgent-account · Knowledge Base, 'Export all data, attachments and files in your FreeAgent account', checked 26 October 2026 ### Taxes **Files your tax return** · Yes — On every plan it files Self Assessment straight to HMRC for sole traders, company directors and unincorporated landlords, plus Final Accounts and Corporation Tax returns for limited companies. > File your tax return directly to HMRC (if you’re a sole trader, director of a limited company or unincorporated landlord) > — https://www.freeagent.com/features/self-assessment/ · Self Assessment page, 'Here's the lowdown on Self Assessment in FreeAgent' list, checked 26 October 2026 **Files 1099s** · No — The vendor's own inventory of what can be filed from FreeAgent is End of Year accounts, Payroll, Self Assessment and VAT, all to HMRC or Companies House; US contractor forms are not among them. > Read on to find out more about the following tax and other official forms can be filed using FreeAgent: End of Year accounts Payroll Self Assessment VAT > — https://support.freeagent.com/hc/en-gb/articles/15539041420178-What-can-you-file-using-FreeAgent · Knowledge Base, 'What can you file using FreeAgent?', opening summary, checked 26 October 2026 **Quarterly tax estimates** · Yes — The Tax Timeline calculates what is owed and when from your books, and the product sends MTD for Income Tax quarterly updates to HMRC with reminders you can sync to a calendar. > Your Tax Timeline will help you keep track of how much is due, when you have to pay and when you have to file your next tax return. > — https://www.freeagent.com/features/self-assessment/ · Self Assessment page, 'Avoid surprise tax bills with a real-time view of how much you owe', checked 26 October 2026 **Calculates sales tax** · Yes — UK VAT rates apply to invoice lines and returns are generated from the bookkeeping data; the US edition instead lets you configure multiple sales tax rates, including compound rates, and reports what you charged. > Get your VAT return generated automatically from your bookkeeping data > — https://www.freeagent.com/features/vat/ · VAT page, bullet list under the heading, checked 26 October 2026 **Files sales tax** · Partly — UK VAT returns are filed directly to HMRC from FreeAgent but it does not pay the bill for you, and the US edition produces sales tax reports only, with no filing. > Enables you to file VAT returns online directly to HMRC > — https://www.freeagent.com/features/vat/ · VAT page, 'Here's the lowdown on FreeAgent’s digital VAT software' list, checked 26 October 2026 ### What it keeps track of **Inventory** · Partly — Stock items can be created, bought and sold on the one subscription, but the vendor states the stock functionality is unavailable on unincorporated landlord accounts and on cash-basis accounts. > FreeAgent's stock functionality won't be available if you have an unincorporated landlord account or if you're preparing your accounts using cash basis accounting > — https://support.freeagent.com/hc/en-gb/articles/115001219690-Create-a-new-stock-item · Knowledge Base, 'Create a new stock item', note at the top, checked 26 October 2026 **Other currencies** · Yes — Invoices, bills and expenses can be raised in other currencies with xe.com rates, and foreign-currency bank accounts are supported, on the single subscription with no currency add-on. > Support for multi-currency bank accounts > — https://www.freeagent.com/features/banking/ · Banking page, 'The bottom line about banking' list, checked 26 October 2026 **Mileage** · Partly — Mileage claims are logged manually at HMRC's allowable rates, on mobile as well as desktop; the vendor describes recording a claim rather than a GPS tracker that logs trips by itself. > Log mileage expenses quickly and easily using HMRC’s allowable rates. > — https://www.freeagent.com/features/expenses/ · Expenses page, 'Record mileage claims for business travel', checked 26 October 2026 **Billable time** · Yes — Billable time is tracked against projects on web and mobile, added to invoices grouped by task or date, and reported through timesheets, all on the one plan. > Track the time you spend on projects, add this to invoices and generate timesheet reports. > — https://www.freeagent.com/pricing/ · Pricing page, 'Nail the daily admin' table, Time tracking row, checked 26 October 2026 **Profit by project or job** · Yes — Projects carry their own income, expenses and profitability view on the single subscription, with estimates, invoices, time and tasks grouped under each project. > Check project income, expenses and profitability, and manage complex projects with ease. > — https://www.freeagent.com/pricing/ · Pricing page, 'Nail the daily admin' table, Projects row, checked 26 October 2026 ### Who it is built for **For accounting firms** · Yes — A free Practice Dashboard manages clients in bulk, with Partner Program discounts that deepen as active licenses grow; own-branding is not among the benefits described. > There's no cost to get started with FreeAgent. Once you sign your agreement, you'll gain access to your free Practice Dashboard and you'll only be charged for the client licences you add. > — https://www.freeagent.com/accountants/ · Accountants page, 'Pricing for accountants and bookkeepers', Free Practice Dashboard, checked 26 October 2026 **Several businesses** · No — One account holds one business: the vendor's guidance for someone running two businesses assumes a separate FreeAgent account, and so a separate subscription, for each. > If you have two businesses, with a separate FreeAgent account for each > — https://support.freeagent.com/hc/en-gb/articles/7996920939794-Record-inter-business-transactions · Knowledge Base, 'Record inter-business transactions', opening recommendation, checked 26 October 2026 **Canada** · No — a US and a global edition exist with configurable sales tax reporting, and Canada and Australia are never named. > Set up and configure the sales tax rate for your country > — https://www.freeagent.com/us/features/sales-tax/ · US sales tax page, 'Here's the lowdown on sales tax FreeAgent' list, checked 26 October 2026 **Australia** · No — a US and a global edition exist with configurable sales tax reporting, and Canada and Australia are never named. > Set up and configure the sales tax rate for your country > — https://www.freeagent.com/us/features/sales-tax/ · US sales tax page, 'Here's the lowdown on sales tax FreeAgent' list, checked 26 October 2026 ### Trying it, starting and getting help **Free trial or free plan** · Yes — A 30-day trial runs on your own books with no card and no contract, and the account stays free indefinitely for NatWest, RBS, Ulster Bank and qualifying Mettle customers. > Try a 30-day free trial today - no credit card, no contract. > — https://www.freeagent.com/features/banking/ · Banking page, 'A better way to manage your banking' call to action, checked 26 October 2026 **Sign up without a sales call** · Yes — Small businesses sign up, subscribe and cancel online without talking to anyone; only the accountant and bookkeeper partner route asks for a form and a call. > You can easily cancel your account from within FreeAgent and you can download your data at any time. > — https://www.freeagent.com/us/pricing/ · Pricing page, 'No contract or setup fees' panel, checked 26 October 2026 **Contract and cancelling** · Yes — Monthly billing with no commitment, canceled from the Billing page in the app; annual billing is offered as a cheaper alternative rather than a required term. > You can close the Account Holder’s FreeAgent account at any time by accessing The Service and using the “cancel my account” option on the “Billing” page of the website or the App. > — https://www.freeagent.com/company/terms/ · Terms of Service, 'Cancellation by you', checked 26 October 2026 **Support** · Yes — UK support accountants answer by phone on 0800 288 8691, email and chat, 9am-5pm Monday to Thursday and 9am-4pm Friday, so there is no weekend or after-hours cover. > Support hours are 9am - 5pm from Monday to Thursday, and 9am - 4pm on Friday. > — https://www.freeagent.com/company/contact-us/ · Contact us page, note under the support contact details, checked 26 October 2026 ## FreeAgent alternatives - [Zoho Books](https://tickmarkbooks.com/zoho-books) · Free plan, then $20 a month: Cloud accounting ledger with Zia AI, bank feeds, sales tax and 1099 e-filing, from $20 a month. - [Puzzle](https://tickmarkbooks.com/puzzle) · No list price: AI-native accounting software with optional bookkeeper services for startups and small businesses. - [Pilot](https://tickmarkbooks.com/pilot) · No list price: A bookkeeping and tax service for startups that pairs software-driven dashboards with human financial advisors. - [Booke AI](https://tickmarkbooks.com/booke-ai) · No list price: An AI bookkeeper that works inside QuickBooks Online and Xero to categorize transactions and match documents. - [SimpleAI](https://tickmarkbooks.com/simpleai) · From $79 a month: AI agents that extract, classify and reconcile accounting documents, then publish them into Xero or QuickBooks. - [Sage Accounting](https://tickmarkbooks.com/sage-accounting) · From £20 a month (about $27): Sage's cloud small-business ledger with built-in payroll and the Sage Copilot assistant; US edition retired. - [FreshBooks](https://tickmarkbooks.com/freshbooks) · From $23 a month: Double-entry small-business ledger built around invoicing, with a read-only Claude connector for questions. - [Xero](https://tickmarkbooks.com/xero) · From $27 a month: Small-business ledger with a JAX assistant that answers questions in plain language; unlimited users on every plan. - [QuickBooks Online](https://tickmarkbooks.com/quickbooks-online) · Free plan, then $38 a month: Intuit's cloud ledger, now with Intuit Intelligence agents that categorize, reconcile and flag errors. 6 of the 9 publish a price. [All 9 alternatives](https://tickmarkbooks.com/freeagent/alternatives/) ## Sources and changes Last changed 26 October 2026 **Sources** (22) - https://www.freeagent.com/pricing/, read 26 October 2026 - https://www.freeagent.com/features/banking/, read 26 October 2026 - https://www.freeagent.com/features/expenses/, read 26 October 2026 - https://www.freeagent.com/company/terms/, read 26 October 2026 - https://www.freeagent.com/features/self-assessment/, read 26 October 2026 - https://www.freeagent.com/features/vat/, read 26 October 2026 - https://www.freeagent.com/us/pricing/, read 26 October 2026 - https://www.freeagent.com/, read 26 October 2026 - https://www.freeagent.com/accountants/, read 26 October 2026 - https://www.freeagent.com/company/contact-us/, read 26 October 2026 - https://www.freeagent.com/features/accounting-software/, read 26 October 2026 - https://www.freeagent.com/features/mobile/, read 26 October 2026 - https://www.freeagent.com/features/payroll/, read 26 October 2026 - https://support.freeagent.com/hc/en-gb/articles/115001218490-Export-all-data-attachments-and-files-in-your-FreeAgent-account, read 26 October 2026 - https://support.freeagent.com/hc/en-gb/articles/115001219690-Create-a-new-stock-item, read 26 October 2026 - https://support.freeagent.com/hc/en-gb/articles/115001586004-How-does-Guess-explain-your-transactions, read 26 October 2026 - https://support.freeagent.com/hc/en-gb/articles/15539041420178-What-can-you-file-using-FreeAgent, read 26 October 2026 - https://support.freeagent.com/hc/en-gb/articles/7096372611346-Bank-Reconciliation-report, read 26 October 2026 - https://support.freeagent.com/hc/en-gb/articles/7996920939794-Record-inter-business-transactions, read 26 October 2026 - https://www.freeagent.com/integrations/, read 26 October 2026 - https://www.freeagent.com/switch-to-freeagent/, read 26 October 2026 - https://www.freeagent.com/us/features/sales-tax/, read 26 October 2026 ## Is this yours? Claim FreeAgent: https://tickmarkbooks.com/claim/freeagent Report an error if a fact is wrong: hello@tickmarkbooks.com, subject "Report an error: FreeAgent (freeagent)".