FreeAgent
Accounting for freelancers and small firms, built in the UK
FreeAgent report card
Fair · out of 4.0 · graded Oct 17, 2026
Best for freelancers who want one plan with no tiers
FreeAgent is accounting made for freelancers and contractors, with one plan that covers invoices, expenses, bank feeds, time tracking and projects. It's $27 a month in the US, half that for the first 6 months. It's really a UK product, though: payroll and tax filing are UK only, and customers of NatWest and its sister banks get it free.
Who FreeAgent is for
- Great if you're a UK sole trader or limited company filing with HMRC
- Handy when you bank with NatWest, RBS, Ulster Bank or Mettle, as it's free with them
- Good for contractors who want invoicing, time tracking and books in one plan
Who FreeAgent is not for
- 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 smart receipt scanning included, as unlimited use is $6 a month extra
Why FreeAgent gets a 2.2
Five grades, each with its reason. The GPA is their average: an A is 4 points, an F is none.
- CValue for moneyOne plan at $27 a month or $270 a year, between this category's middle at $23 and its dearer quarter at $31.10, with no cheaper tier for someone sending three invoices a month. Everything is in it, though, and the first 6 months are half price.
- CFree plan and trialA 30-day free trial with no card needed. There's no free plan in the US. In the UK, NatWest, RBS, Ulster Bank and Mettle business customers get FreeAgent free.
- CFeaturesInvoices and estimates, bank feeds, receipt capture, time tracking, project profit, multiple currencies and sales tax reports. The gap is in the listing: the US edition has no payroll, as payroll and HMRC filing belong to the UK one.
- CEase of useNo store rating on record. You link a bank and explain each transaction as money in or out, and the dashboard shows when tax bills are due. It's still bookkeeping to learn, though.
- BPlatforms and integrationsWeb, iPhone and Android, with Stripe, Pleo, Float, Chaser and Tyl by NatWest. There's no desktop app, and the bank feeds page names mainly UK banks.
What these grades rest on. Graded from this listing, whose facts were read from FreeAgent's own pages on 17 October 2026. Not based on using the product, and shorter than our full reviews. How we review and grade.
Make FreeAgent? Put this grade on your site
Paste this where you want the badge. It links here and follows the grade if it changes. About badges
<a href="https://toolgpa.com/tools/freeagent#review"><img src="https://toolgpa.com/badge/freeagent.svg" alt="FreeAgent: 2.2 GPA on ToolGPA" width="196" height="56"></a>Where FreeAgent stands among accounting and invoicing tools
FreeAgent's GPA of 2.2 is higher than 1 of the 17 other accounting and invoicing tools we grade, and level with 2.
It stands best on platforms and integrations (B, above 2 of 17) and worst on free plan and trial (C, above 0).
Its paid plans start at $27 a month, against a middle price of $19 for the category: 10 of the 16 others that charge start lower.
On features, ease of use and platforms it scores 2.3 out of 4. 6 tools score higher and cost less.
Each grade against the category
Every bar is all 18 accounting and invoicing tools we grade, cut by the letter each got. FreeAgent’s own letter is outlined.
- CValue for moneyAbove 2 of 17, level with 10
- CFree plan and trialAbove 0 of 17, level with 9
- CFeaturesAbove 0 of 17, level with 12
- CEase of useAbove 0 of 17, level with 11
- BPlatforms and integrationsAbove 2 of 17, level with 11
Price against what you get
Each dot is one of 18 accounting and invoicing tools. Further left costs less, and higher up scores better on features, ease of use and platforms. Point at a dot to see which tool it is.
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
Keep FreeAgent, or make your own?
Keep it
To replace FreeAgent you would be making live feeds from your bank, which take an agreement with each bank or a service that has them. That is not a weekend's work, with an AI app builder or without one.
That makes this kind of software worth paying for, not this one in particular: 14 of the 17 other accounting and invoicing tools grade higher. It costs $324 a year.
What you could make
- Invoicing, expense tracking, time tracking and reports: an app builder makes these well.
What you could not
- Live feeds from your bank, which take an agreement with each bank or a service that has them.
- A real app for iOS and Android. Something home-made would be a web page.
- It plugs into other products, Stripe, Pleo and Tyl by NatWest among them.
What this rests on. FreeAgent’s listing: what it does, where it runs, what it plugs into and what it costs. It is a judgement about the kind of software this is. We have not built a replacement for it, and making your own means looking after it too. How we decide, and every tool’s verdict.
What is FreeAgent?
FreeAgent is online accounting software for freelancers, contractors and small businesses, made in Edinburgh and owned by NatWest Group. It covers invoices, estimates, expenses, bank feeds, time tracking and projects in one plan. The UK edition adds payroll and HMRC tax filing, while the US edition sold in dollars handles sales tax reports instead.
FreeAgent is a paid product with a free trial, starting at $27 per month, billed monthly. See every plan
Good for
- Freelancers and contractors who want invoicing, time and books in one plan
- UK sole traders and limited companies filing with HMRC
- NatWest, RBS, Ulster Bank and Mettle customers, who can use it free
Worth knowing
- 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.
Key features
- 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.
FreeAgent pricing
- Starts at
- $27 per month, billed monthly
- Free plan
- None
- Free trial
- 30-day free trial, no credit card required
| Plan | Price | What you get |
|---|---|---|
| FreeAgent | $27per 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. |
Read from freeagent.com on Oct 17, 2026. Prices change, so confirm with FreeAgent before you buy.
Ways to pay less
- Other savings50% 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.
Stated on freeagent.com - Annual discountPay 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.
Stated on freeagent.com - Other savingsFree 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.
Stated on freeagent.com
Works with
- Stripe
- Pleo
- Tyl by NatWest
- Float
- Chaser
FreeAgent alternatives
- FreeAgent vs Xero
Free trial · from $27/mo
- FreeAgent vs QuickBooks Online
Free plan · from $38/mo
- FreeAgent vs FreshBooks
Free trial · from $23/mo
- FreeAgent vs Zoho Books
Free plan · from $15/mo
- FreeAgent vs Bonsai
Free trial · from $9/mo
Common questions
Is FreeAgent free?
No, FreeAgent is a paid product, but you can try it first. 30-day free trial, no credit card required.
How much does FreeAgent cost?
FreeAgent lists one plan. FreeAgent: $27 per month, billed monthly. Prices were read from freeagent.com on Oct 17, 2026.
What platforms does FreeAgent work on?
FreeAgent is available on Web, iOS and Android.
Does FreeAgent offer any discounts?
FreeAgent publicly lists the following: 50% off the first 6 months; Pay yearly: 12 months for the price of 10; Free with a NatWest, RBS, Ulster Bank or Mettle account.
Does FreeAgent have a Windows app?
No Windows app was listed when its pages were read on Oct 17, 2026. FreeAgent is listed for Web, iOS and Android.
Does FreeAgent have a macOS app?
No macOS app was listed when its pages were read on Oct 17, 2026. FreeAgent is listed for Web, iOS and Android.
Is FreeAgent open source?
FreeAgent is not described as open source on its own site, as read on Oct 17, 2026.
What does FreeAgent integrate with?
FreeAgent's listing names Stripe, Pleo, Tyl by NatWest, Float and Chaser. A listing names up to eight integrations, so it may connect to more.
Who makes FreeAgent?
FreeAgent is made by FreeAgent Central. It dates from 2007.
What are the alternatives to FreeAgent?
The closest alternatives to FreeAgent in our directory are Xero, QuickBooks Online, FreshBooks, Zoho Books and Bonsai. Each one has a side-by-side comparison with FreeAgent.
How does FreeAgent compare with other accounting and invoicing tools?
FreeAgent's GPA of 2.2 is higher than 1 of the 17 other accounting and invoicing tools we grade, and level with 2. It stands best on platforms and integrations (B, above 2 of 17) and worst on free plan and trial (C, above 0).
Is FreeAgent good value for money?
ToolGPA grades FreeAgent C for value for money. Its paid plans start at $27 a month, against a middle price of $19 for the category: 10 of the 16 others that charge start lower. On features, ease of use and platforms it scores 2.3 out of 4. 6 tools score higher and cost less.
Could I make my own version of FreeAgent?
To replace FreeAgent you would be making live feeds from your bank, which take an agreement with each bank or a service that has them. That is not a weekend's work, with an AI app builder or without one. That makes this kind of software worth paying for, not this one in particular: 14 of the 17 other accounting and invoicing tools grade higher. It costs $324 a year. What you could not make: Live feeds from your bank, which take an agreement with each bank or a service that has them. A real app for iOS and Android. Something home-made would be a web page. It plugs into other products, Stripe, Pleo and Tyl by NatWest among them. This is a judgement from its listing. We have not built one.
Sources for this page
The prices, plans, platforms and features above were read from these pages on Oct 17, 2026.