IRIS KashFlow vs Pandle (2026): which should you pick?
As of Nov 13, 2026, Pandle grades higher than IRIS KashFlow: 2.8 against 2.2 out of 4.0.
Checked Nov 12, 2026 and Nov 13, 2026 · graded Nov 12, 2026 and Nov 13, 2026 by ToolGPA
Pandle grades higher on value for money, the free plan and features. They get the same grade on ease of use and platforms.
Price, platforms and features side by side. The table says where each price was read and when.
IRIS KashFlow
UK online accounting for sole traders and limited companies
Pandle
UK bookkeeping with a free plan and a £5 monthly upgrade
Which one is for you
Pick IRIS KashFlow if
- Fits if you're a UK limited company that wants VAT returns and payroll in one product
- Works for sole traders who sell through Shopify, WooCommerce or Amazon
Look elsewhere if
- Tight if you're on Starter: one user, 10 invoices and 25 bank transactions
- Not for you if you're outside the UK, since VAT goes to HMRC and prices are in pounds
- Watch out: the £1.35 and £2.75 months and the annual prices are new-customer offers
- Pricey if you need more than one user: Business is £27.50 a month plus VAT
Pick Pandle if
- Fits if you're a UK sole trader who files VAT or MTD
- Works for freelancers who want free invoicing and can skip bank feeds
Look elsewhere if
- Tight if you stay free, because bank feeds, receipt uploads and projects are Pro
- Watch out: Pro is £5 plus VAT, rolling monthly, with no annual plan
- Not for you if you're outside the UK, as it's built around VAT and MTD
- Watch out: bank connections run through Plaid
How we grade them
| 2.2GPAIRIS KashFlowFair | 2.8GPAPandleGood | |
|---|---|---|
| Value for money | C£13.50 a month for Starter and £27.50 for Business, around the middle of the category. The cheap first 6 months are for new customers only. | BPro is £5 a month plus VAT, a little over $6, inside the cheapest quarter of accounting tools. |
| Free plan and trial | CA 14-day free trial with no credit card. No free plan. | BThe free plan has quotes, invoices, reports, VAT returns and MTD income tax submissions, so a sole trader can live on it. No bank feeds. |
| Features | CInvoices, VAT returns, bank feeds, expenses, payments and payroll. Starter caps you at 10 invoices and 25 bank transactions, and unlimited needs Business. | BInvoices, VAT and MTD, bank and payment feeds, receipts, mileage, projects and stock. Nothing core is missing. |
| Ease of use | CNo store rating on record, and the pricing page names a mobile app without saying which systems it runs on. | CNo rating read. Bank links and tax settings to set up. |
| Platforms and integrations | BWeb only on the listing, with Shopify, WooCommerce, Amazon, eBay, Salesforce and others connected. | BWeb, iOS and Android, with PayPal, Stripe and Plaid. No desktop app. |
| Best for | UK online accounts for sole traders and small companies | UK bookkeeping for sole traders |
The GPA is the average of the five grades: an A is 4 points, an F is none. The full reasons are on each tool's page: IRIS KashFlow and Pandle. How we grade
Price against what you get
IRIS KashFlow starts at about $18.09 a month and scores 2.3 out of 4 on features, ease of use and platforms. Pandle starts at about $6.70 a month and scores 2.7.
Pandle scores higher and starts $11.39 a month lower. Of the other accounting and invoicing tools on the chart, 16 score higher than IRIS KashFlow for less, and 1 scores higher than Pandle for less.
Features, ease of use and platforms, averaged
What paid plans start at, a month (each step along is roughly double) →
- The best score at each price
- Has a free plan
- No free plan
Where they differ
- IRIS KashFlow also covers payroll.
At a glance
| IRIS KashFlow | Pandle | |
|---|---|---|
| Pricing | Free trial | Free plan |
| Starts at | £13.50 per month, billed monthly (£1.35 for the first 6 months) | £5 per month (+VAT) |
| Free plan | None | Quotes and invoices, multiple currencies, VAT and MTD income tax submissions, with no bank feeds. |
| Free trial | 14-day free trial, no credit card required | 14-day free trial of Pandle Pro, no card details required |
| Web | ||
| iOS | ||
| Android | ||
| Made by | KashFlow Software Ltd | Pandle |
| Price read from | kashflow.com | pandle.com |
| Checked | Nov 12, 2026 | Nov 13, 2026 |
Worth knowing
IRIS KashFlow
- Built for UK businesses: VAT submission goes to HMRC, and prices are in pounds.
- Starter is limited to a single user, 10 invoices and 25 bank transactions to reconcile; Business lifts those limits.
- The page marks the annual prices (£97 and £178 plus VAT) as discounted offers for new customers only.
- The pricing page names a mobile app but not which operating systems it runs on.
Pandle
- Bank feeds, receipt uploads, projects and extra users need Pandle Pro, which is £5 a month plus VAT.
- The pages are aimed at the UK, with Making Tax Digital and VAT filing.
- Pandle Pro is billed monthly only; the pricing page says there is no annual subscription.
- Pandle describes itself as an agent of Plaid Financial Ltd for its bank connections.
Key features
IRIS KashFlow
- Invoicing and quotes
- Send quotes and invoices, set up repeat invoices and purchases, schedule customer statements and set credit limits.
- VAT returns
- VAT is managed in the software and can be submitted online to HMRC; the vendor also has a Making Tax Digital page.
- Bank feeds and reconciliation
- Bank feeds bring in transactions to reconcile, capped at 25 on Starter and unlimited on Business.
- Purchases, expenses and receipts
- Manage purchases and expenses, track mileage and capture receipts with a mobile app.
- Payments
- KashFlow Payments and IRIS Pay let customers pay invoices online.
- Payroll and reports
- Both plans list payroll for up to 5 employees, over 50 reports, multi-currency and a customizable dashboard.
Pandle
- Invoices and quotes
- Sends quotes and invoices in several currencies, with payment reminders, recurring transactions and customer statements.
- VAT and Making Tax Digital
- Submits VAT returns and MTD income tax updates, and produces EU VAT and EC sales lists, on the free plan too.
- Bank and payment feeds
- Pandle Pro pulls in bank feeds, PayPal feeds and Stripe feeds; bank rules automate the categorizing.
- Receipts and mileage
- Pandle Pro can upload receipts and track mileage, and the mobile app can record journeys automatically.
- Projects and stock
- Pro adds projects, stock control and cash flow forecasting on top of the standard business reports.
- Users and companies
- Pandle Pro allows unlimited users with permissions and multi-company management.
Plans
IRIS KashFlow
Starter£13.50
per month, billed monthly (£97 a year, new customers)
Single user; unlimited quotes, 10 invoices and 25 bank transactions to reconcile. New customers pay £1.35 a month for 6 months.
Business£27.50
per month, billed monthly (£178 a year, new customers)
Multi-user; unlimited quotes, invoices and bank transactions. New customers pay £2.75 a month for the first 6 months.
Pandle
Free£0
Quotes and invoices, items, reports, VAT returns and MTD income tax submissions; no bank feeds or receipt uploads.
Pandle Pro£5
per month (+VAT), rolling monthly
Adds bank feeds, receipt uploads, projects, user permissions, unlimited users, mileage tracker, stock control and live chat.
Ways to pay less
IRIS KashFlow
- Other savings
90% off the first 6 months
New customers on monthly billing pay £1.35 (Starter) or £2.75 (Business) a month for 6 months, then the regular monthly price.
- Annual discount
Annual plans for new customers
New customers can pay £97 a year for Starter or £178 a year for Business, plus VAT, against listed RRPs of £162 and £291.50.
Pandle
No public discounts listed.
Common questions
Which is cheaper, IRIS KashFlow or Pandle?
As of Nov 13, 2026, Pandle is cheaper to start with: about $6.70 a month, against about $18.09 a month for IRIS KashFlow. IRIS KashFlow starts at £13.50 per month, billed monthly (£1.35 for the first 6 months), and Pandle starts at £5 per month (+VAT).
Which has a free plan, IRIS KashFlow or Pandle?
As of Nov 13, 2026, only Pandle has a free plan. IRIS KashFlow does not, though it has a free trial.
Which platforms do IRIS KashFlow and Pandle run on?
As of Nov 13, 2026, only Pandle lists iOS and Android apps. Both list a web app. A platform missing from a listing is one its maker's pages did not mention.
More comparisons
How this page was made
- The verdict at the top follows a fixed rule. When both tools are in the same category and either is in our top three for it, the verdict follows that ranking: the higher-placed tool is our pick. The top three weigh who each tool suits as well as its grades, so a pick can go against the GPA. Otherwise the page does not pick one and says which grades higher: the higher GPA first; on a tie, the one with a free plan, then the one that starts cheaper in dollars a month, counted the same way for both; if they are still level, what the choice depends on.
- The grades are our own, from each tool’s review or report card. The GPA is their average.
- Prices, plans and platforms come from each tool’s listing. The table above says where each price was read and when.
- The differences and the answers to the questions are worked out from those listings.