# FreeAgent

> Accounting for freelancers and small firms, built in the UK

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.

- **Category:** Accounting & Invoicing
- **Made by:** FreeAgent Central (since 2007)
- **Website:** https://www.freeagent.com/us/
- **Runs on:** Web, iOS, Android
- **Facts last checked:** Oct 17, 2026

## Pricing

FreeAgent is a paid product with a free trial, starting at $27 per month, billed monthly.

- **Pricing model:** Free trial
- **Free plan:** None.
- **Free trial:** 30-day free trial, no credit card required.

| Plan | Price | What you get |
| --- | --- | --- |
| 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. |

Read from https://www.freeagent.com/us/pricing/ on Oct 17, 2026. Prices change, so confirm with FreeAgent before buying.

## Ways to pay less

- **50% off the first 6 months** (Other savings): 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. Source: https://www.freeagent.com/us/pricing/
- **Pay yearly: 12 months for the price of 10** (Annual discount): Paying upfront costs $270 a year, the price of 10 months. The first year is half price at $135. Source: https://www.freeagent.com/us/pricing/
- **Free with a NatWest, RBS, Ulster Bank or Mettle account** (Other savings): 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. Source: https://www.freeagent.com/pricing/

## 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.

## 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.

## ToolGPA grades

**GPA: 2.2 out of 4**, graded Oct 17, 2026. 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.

- **Value for money: C.** One 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.
- **Free plan and trial: C.** A 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.
- **Features: C.** Invoices 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.
- **Ease of use: C.** No 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.
- **Platforms and integrations: B.** Web, 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.

These are ToolGPA's own grades. 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.

## Where it 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.

The category's chart of price against score: https://toolgpa.com/charts/accounting

## Keep it, 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.

- You could make: Invoicing, expense tracking, time tracking and reports: an app builder makes these well.
- You could not: Live feeds from your bank, which take an agreement with each bank or a service that has them.
- You could not: A real app for iOS and Android. Something home-made would be a web page.
- You could not: It plugs into other products, Stripe, Pleo and Tyl by NatWest among them.

A judgement by ToolGPA from this listing, by rules that are the same for every tool. Nothing was built to test it.

## Works with

Stripe, Pleo, Tyl by NatWest, Float, Chaser

**Tags:** Bookkeeping, Invoicing, Expense tracking, Time tracking, Reports

## Alternatives

- [Xero](https://toolgpa.com/tools/xero): Cloud accounting for small businesses, with unlimited users. [Compare](https://toolgpa.com/compare/freeagent-vs-xero)
- [QuickBooks Online](https://toolgpa.com/tools/quickbooks): Cloud accounting from Intuit, from a free plan to 25-user Advanced. [Compare](https://toolgpa.com/compare/freeagent-vs-quickbooks)
- [FreshBooks](https://toolgpa.com/tools/freshbooks): Invoicing and accounting for freelancers and service businesses. [Compare](https://toolgpa.com/compare/freeagent-vs-freshbooks)
- [Zoho Books](https://toolgpa.com/tools/zoho-books): Online accounting from Zoho, with a free plan and six paid tiers. [Compare](https://toolgpa.com/compare/freeagent-vs-zoho-books)
- [Bonsai](https://toolgpa.com/tools/bonsai): Client, project and billing software for agencies and freelancers. [Compare](https://toolgpa.com/compare/bonsai-vs-freeagent)

## Sources

The prices, plans, platforms and features above were read from these pages on Oct 17, 2026:

- https://www.freeagent.com/us/pricing/
- https://www.freeagent.com/pricing/
- https://www.freeagent.com/us/features/accounting-software/
- https://www.freeagent.com/us/features/banking/
- https://www.freeagent.com/us/features/sales-tax/
- https://www.freeagent.com/us/features/mobile/
- https://www.freeagent.com/integrations/
- https://www.freeagent.com/company/

Page: https://toolgpa.com/tools/freeagent
Listed by ToolGPA (toolgpa.com).