FreeAgent
£19/mo est.
- Entry plan
- £19/mo (Sole Trader)
- Users included
- Unlimited
- UK payroll
- Yes (included)
- VAT/MTD
- Yes
- Bank feeds
- Yes
- Est. monthly cost
- £19/mo
FreeAgent
UK-built accounting for sole traders and contractors, filing Self Assessment and MTD VAT straight to HMRC, free for NatWest and RBS banking customers.
- Entry plan
- £19/mo (Sole Trader)
- Users
- Unlimited
- Payroll
- Included
- Bank feeds
- Yes
Best for
UK sole traders, contractors and freelancers, especially NatWest, RBS or Mettle banking customers who get it free.
How much does FreeAgent cost per month?
FreeAgent plans cost from £19/mo (Sole Trader) to £33/mo (Limited Company) in 2026. A free plan is available (Yes (with NatWest/RBS)). Payroll is included on every plan at no extra per-employee cost.
Pricing breakdown
All prices in GBPLast verified 17 June 2026Every fee we track, grouped by where it applies.
Strengths and trade-offs
Pros
- Files Self Assessment and MTD VAT directly to HMRC
- Free for NatWest, RBS, Ulster and qualifying Mettle customers
- Built-in payroll at no extra cost
- Strong CIS support for the construction trades
Cons
- Weak multi-currency handling
- Does not file the monthly CIS300 contractor return directly
- Receipt capture capped at 10/mo unless you add the £5/mo unlimited option
About FreeAgent
FreeAgent is a UK-built accounting platform owned by NatWest Group, aimed at sole traders, contractors, and small limited companies. It is priced by business type rather than feature tier and files both MTD VAT and Self Assessment directly to HMRC. Payroll is built in at no extra cost, and CIS is well supported for the construction trades. It is free for life for NatWest, Royal Bank of Scotland, and Ulster Bank business banking customers, and for qualifying Mettle account holders.
FreeAgent was founded in 2007 and is headquartered in Edinburgh, United Kingdom.
How FreeAgent compares
Side-by-side with the closest alternatives by estimated cost.
Subscription plus payroll add-on, based on the entry plan with no employees. Processing fees not included.
Sage
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- Entry plan
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- Users included
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- UK payroll
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- VAT/MTD
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- Bank feeds
- Yes
- Est. monthly cost
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Xero
£16/mo est.
- Entry plan
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- Users included
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- UK payroll
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- VAT/MTD
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- Bank feeds
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- Est. monthly cost
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QuickBooks Online
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- Entry plan
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- Users included
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- UK payroll
- Yes (add-on)
- VAT/MTD
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- Bank feeds
- Yes
- Est. monthly cost
- £16/mo
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