FreeAgent
A FreeAgent overview in one line: it prices by what your business is rather than by what features you want, and for a large number of UK businesses it costs nothing at all. The free route has conditions, and they differ by bank.
Prices checked 10 September 2026 · List prices excluding VAT
FreeAgent pricing #
Four plans, chosen by business structure rather than feature tier. You do not pick a plan based on how many invoices you send.
| Plan | A month | What it covers |
|---|---|---|
| Landlord | £10.00 | Property income only |
| Sole Trader | £19.00 | Self Assessment filing included |
| Partnership/LLP | £27.00 | Partnership tax return |
| Limited Company | £33.00 | Corporation Tax and payroll |
There is also 50% off for the first six months, and two paid add-ons: Smart Capture Unlimited at £5.00 a month and an Amazon integration at £6.00. Everything else on the list below is included.
How to get FreeAgent free #
This is the part worth reading carefully, because the terms are not the same across the qualifying banks.
| Account | Condition | Covers |
|---|---|---|
| NatWest, Royal Bank of Scotland, Ulster Bank | Keep the business current account open | All plans |
| Mettle | At least one transaction a month | All except Partnership |
The second thing to note is that Mettle does not cover the Partnership plan. A partnership banking with Mettle pays the £27.00 a month; a partnership banking with NatWest does not.
FreeAgent NatWest is the most common route into this, and it is a genuine full version rather than a limited one. That makes it the cheapest credible option on the market for a large number of UK businesses.
What FreeAgent accounting software includes #
The same core on every plan, which is unusual. There is no cheap tier that withholds the features you actually need.
- FreeAgent payroll, included on every plan including Sole Trader, at no extra cost
- VAT returns filed directly to HMRC
- Self Assessment filing, on Sole Trader, Limited Company and Landlord plans
- FreeAgent MTD support: FreeAgent Making Tax Digital handling is recognised by HMRC for MTD for VAT, with MTD for Income Tax on the Sole Trader and Landlord plans
- Invoicing, expenses, projects and time tracking, covering day to day FreeAgent bookkeeping without a second tool
- Bank feeds, cashflow and the FreeAgent app on iOS and Android
How it compares on price #
| Cheapest plan | Dearest plan | |
|---|---|---|
| FreeAgent | £10.00, or free with a qualifying account | £33.00 |
| QuickBooks | £10.00 | £56.00 |
| Xero | £18.00 | £70.00 |
On list price FreeAgent sits mid-range. Free with the right bank account, nothing competes. The detailed head-to-heads are in FreeAgent vs Xero and FreeAgent vs QuickBooks.
Where it is the wrong choice #
Being honest about the limits matters more than the feature list, because the gaps are structural rather than fixable with a higher plan:
- Stock control. Not really there. A retailer or anyone holding inventory wants QuickBooks Plus or Xero
- Multi-currency. Limited compared with Xero, which matters if you invoice abroad
- CIS. Not its strength. A construction business is better served by QuickBooks, which includes CIS handling from its cheapest plan
- Integrations. FreeAgent integrations run through a public FreeAgent API and a marketplace, but it is smaller than Xero's. If you depend on connected apps, check yours is there first
- Larger teams. Fine for a handful of people, but not aimed at businesses with departments
Support and contact #
FreeAgent support is UK-based and included on every plan. FreeAgent help, the help centre and the current FreeAgent contact number are on FreeAgent's own site rather than here, because those change more often than the pricing does.
FreeAgent for accountants runs on a separate free practice dashboard, with clients licensed individually. If your accountant already uses it, that is worth knowing before you choose anything else.
Who it suits #
- Banking with NatWest, RBS, Ulster Bank or Mettle: use it. Free, full version, no catch beyond the Mettle transaction rule
- Sole trader with one or two employees: payroll included at £19.00 is hard to beat
- Landlord: a £10.00 plan built for property income, with MTD for Income Tax
- Construction: look at QuickBooks first for CIS
- Holding stock or trading in several currencies: Xero or QuickBooks
For the wider picture, Xero vs QuickBooks vs Sage covers the three paid alternatives, and accounting software for sole traders puts the lighter options side by side.
Common questions #
How much is FreeAgent?
From £10 a month for the Landlord plan to £33 for Limited Company, excluding VAT. Sole Trader is £19 and Partnership £27. All four are free with a qualifying bank account.
Is FreeAgent free with NatWest?
Yes. FreeAgent is free with a NatWest, Royal Bank of Scotland or Ulster Bank business current account, for as long as you keep the account. There is no time limit and no reduced version.
Is FreeAgent free with Mettle?
Yes, but with a condition the bank accounts do not have: you must make at least one transaction a month. Mettle also does not cover the Partnership plan, only sole traders, limited companies and landlords.
Does FreeAgent include payroll?
Yes, on every plan including Sole Trader, at no extra cost. That is unusual: Xero prices payroll into its plan tiers and Sage sells it separately.
Is FreeAgent MTD compatible?
Yes. FreeAgent is recognised by HMRC for Making Tax Digital for VAT, and the Sole Trader and Landlord plans include MTD for Income Tax.
Does FreeAgent file Self Assessment?
Yes, directly to HMRC, included in the Sole Trader, Limited Company and Landlord plans. Partnerships get partnership tax features instead.
What is FreeAgent accounting software best for?
Sole traders and small limited companies, particularly anyone banking with NatWest, RBS, Ulster Bank or Mettle, where it costs nothing. It is less suited to businesses needing stock control or multi-currency.
Does FreeAgent have an API?
Yes, a public API for building integrations, alongside a marketplace of existing ones. The marketplace is smaller than Xero's, which is the main trade-off if you rely on connected apps.