FreeAgent vs Satago (2026): which should you pick?

Pick FreeAgent if

• Fits if you're a UK sole trader or limited company filing with HMRC
• Works for you if you bank with NatWest, RBS, Ulster Bank or Mettle, as it's free with them

Look elsewhere if

• Not for you if you run payroll in the US, as the US edition has none
• Pricey if you only send a few invoices, since there's one $27 plan and nothing smaller
• Skip it if you want unlimited receipt scanning included, as that's $6 a month extra
• Watch out: the advertised price is 50% off the first 6 months, then it renews at $27 a month
• Tight if you bank outside the UK, as the bank feeds page names mainly UK banks and support is UK-based

Pick Satago if

• Fits if you use Sage or Xero and have customers who pay late
• Makes sense if you want credit checks on new customers

Look elsewhere if

• Skip it if you want to try it first, because there is no free plan or trial
• Tight on Basic: 25 credit reports and 100 email reminders
• Watch out: SMS reminders are limited per rolling 30 days, 100 on Premium and 1,000 on Platinum
• Watch out: invoice finance has its own fees, apart from these plans
• Not for you if you're outside the UK, because the pricing is aimed at UK businesses

FreeAgent

• The advertised prices are 50% off the first 6 months (or first year, paid annually); it then renews at $27 a month or $270 a year.
• Payroll, Making Tax Digital and HMRC filing belong to the UK edition; the US edition lists sales tax reports but no payroll.
• UK prices depend on business type, excluding VAT: £10 a month for landlords, £19 sole traders, £27 partnerships and £33 limited companies.
• Support comes from accountants based in the UK, and the bank feeds page names mainly UK banks.

Satago

• Prices are in pounds, and the pricing page is aimed at UK businesses.
• Basic caps email reminders at 100 a month and credit reports at 25.
• SMS reminders are limited per rolling 30 days: 100 on Premium, 1,000 on Platinum.
• Invoice finance is a lending product with its own fees, priced separately from these plans.

FreeAgent

Estimates and invoices

Send estimates and invoices from templates, convert an estimate to an invoice in one click, and invoice in other currencies.

Bank feeds

Import transactions daily from linked bank accounts, or upload OFX, QIF and CSV statements, and explain each one as money in or out.

Expenses and Smart Capture

Photograph receipts on the phone and upload them. Unlimited Smart Capture scanning is a $6 a month add-on.

Time tracking and projects

Record time with a stopwatch or timesheets and see the income, costs and profit of each project.

Dashboard and Radar

A dashboard shows cash flow and when tax bills are due, and Radar points out trends in the business's numbers.

Sales tax reports

Set one or more sales tax rates, including compound ones, and report tax charged and reclaimable, with Schedule C reporting.

Satago

Credit control

Automated chasing with customizable emails and schedules, a late payment calculator and, on higher plans, sending from your own email account.

Risk Insights

Customer credit scores, credit limit suggestions and views of risk concentration by days overdue and by sector.

Invoice finance

Selective and full invoice finance offered in the same platform; the site cites advance rates up to 90%.

Accounting connections

Connects to accounting software through an API; the site's footer lists Sage and Xero as integrations.

Card and buy-now-pay-later acceptance

Premium and Platinum add integrated card payment acceptance and buy-now-pay-later options for paying chased invoices.

Accountant plans

Separate plans for accountants with client counts, user limits and a 30% discount on standard pricing for each client added.

FreeAgent

• FreeAgent$27

  per month, billed monthly

  Advertised at $13.50 a month for the first 6 months. One plan with invoicing, expenses, banking, projects, time tracking, sales tax reports and multiple currencies.

Satago

• Basic£45

  per month, billed monthly (£450 billed annually)

  25 credit reports, credit limit suggestions and credit control with 100 email reminders a month.

• Premium£80

  per month, billed monthly (£800 billed annually)

  100 credit reports, unlimited email reminders, 100 SMS reminders, card and buy-now-pay-later acceptance.

• Platinum£200

  per month, billed monthly (£2,000 billed annually)

  Unlimited credit reports (fair usage), 1,000 SMS reminders and a dedicated account manager.

FreeAgent

• Other savings

  50% off the first 6 months

  New customers on monthly billing pay $13.50 a month for 6 months, then $27. The UK offer works the same way on each business-type price.

• Annual discount

  Pay yearly: 12 months for the price of 10

  Paying upfront costs $270 a year, the price of 10 months. The first year is half price at $135.

• Other savings

  Free with a NatWest, RBS, Ulster Bank or Mettle account

  UK businesses with a NatWest, Royal Bank of Scotland or Ulster Bank business account, or a Mettle account used at least once a month, get FreeAgent free.

Satago

• Annual discount

  Two months free on annual billing

  Satago's pricing page shows annual totals of £450, £800 and £2,000 against £45, £80 and £200 a month, which works out to two months free on each plan.