The FreeAgent Insider’s Guide
Everything we know about FreeAgent in one document: what it costs, its grades, getting a refund, getting help and what else to look at. Read it here, or keep a copy.
FreeAgent
The Insider’s Guide
Accounting for freelancers and small firms, built in the UK
Every plan, grade, refund rule and rival among accounting and invoicing tools, read from FreeAgent’s own pages.
Made by FreeAgent Central · checked Oct 17, 2026 · toolgpa.com
Contents
- 01WelcomeWhat it is, who it suits, its grades and the ten things to know first
- 02What it costsEvery plan, the free plan, ways to pay less and how prices have moved
- 03What it doesIts main features, where it runs, what it works with and who makes it
- 04Where it standsIts grades against its category, and whether to keep it or make your own
- 05The alternativesThe tools it is most often weighed against, side by side
- 06Quick answersThe questions people ask about it, each answered in a line or two
- 07About ToolGPAWho made this guide, what else is on the site, and how to cite it
ToolGPA put this guide together from FreeAgent’s own pages, its app-store listings and our grades. Every fact in it is on FreeAgent’s page too, where it is kept up to date. Checked Oct 17, 2026.
Part 01 · Overview
Welcome
What it is, who it suits, its grades and the ten things to know first
2.2
GPA, above 1 of the 17 other accounting and invoicing tools we grade
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.
To get you started, here are 9 things to know about FreeAgent, taken from its own pages and our grades.
You link a bank and explain each transaction as money in or out, and the dashboard shows when tax bills are due.
- 1
Best for freelancers who want one plan with no tiers
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.
- 2
Paid plans start at $27 a month
As its pricing page puts it: $27 per month, billed monthly.
- 3
You can try it first
30-day free trial, no credit card required
- 4
It runs on 3 platforms
Web, iOS and Android.
- 5
Estimates and invoices
Send estimates and invoices from templates, convert an estimate to an invoice in one click, and invoice in other currencies.
- 6
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.
- 7
Expenses and Smart Capture
Photograph receipts on the phone and upload them. Unlimited Smart Capture scanning is a $6 a month add-on.
- 8
A 2.2 GPA, above 1 of 17
That is against the other accounting and invoicing tools we grade, on value, the free plan, features, ease of use and platforms.
- 9
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.
FreeAgent at a glance
- Pricing
- Free trial, from $27 per month, billed monthly
- Free plan
- No
- Free trial
- 30-day free trial, no credit card required
- Runs on
- Web, iOS, Android
- Made by
- FreeAgent Central, since 2007
- Category
- Accounting & Invoicing
- Our grade
- 2.2 GPA, fair
The report card
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.
| Subject | Grade | Comment |
|---|---|---|
| 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. |
An A is worth 4 points, a B 3, a C 2, a D 1 and an F nothing. The GPA is the average of the five.
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 it 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
Good to know
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.
Part 02 · Pricing
What it costs
Every plan, the free plan, ways to pay less and how prices have moved
$27
A month to start
FreeAgent is a paid product with a free trial, starting at $27 per month, billed monthly.
In the UK, NatWest, RBS, Ulster Bank and Mettle business customers get FreeAgent free.
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.
Trying it first
30-day free trial, no credit card required
Read from freeagent.com on Oct 17, 2026.
Ways to pay less
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.
Stated on freeagent.comAnnual 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.
Stated on freeagent.comOther 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.
Stated on freeagent.com
Part 03 · Features
What it does
Its main features, where it runs, what it works with and who makes it
3
Places it runs: Web, iOS and Android
Accounting for freelancers and small firms, built in the UK. Here is what it does, as its own site describes it, and what it covers: time tracking, invoicing, reports, bookkeeping, expense tracking.
Invoices and estimates, bank feeds, receipt capture, time tracking, project profit, multiple currencies and sales tax reports.
- 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.
Where it runs
- Web
- iOS
- Android
What it works with
- Stripe
- Pleo
- Tyl by NatWest
- Float
- Chaser
FreeAgent is made by FreeAgent Central, and has been around since 2007.
Part 04 · Standing
Where it stands
Its grades against its category, and whether to keep it or make your own
1/17
Other accounting and invoicing tools it is graded above
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
- CFree plan and trialAbove 0 of 17
- CFeaturesAbove 0 of 17
- CEase of useAbove 0 of 17
- BPlatforms and integrationsAbove 2 of 17
Price against what you get
Each dot is one of 18 accounting and invoicing tools. Further left costs less; higher up scores better on features, ease of use and platforms. FreeAgent is the marked dot.
What paid plans start at, a month (each step along is roughly double) →
Keep it, or make your own?
Whether this is something you could build for yourself with an AI app builder, and what you would give up.
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.
Part 05 · Alternatives
The alternatives
The tools it is most often weighed against, side by side
Xero, QuickBooks Online, FreshBooks, Zoho Books and Bonsai
The 5 tools FreeAgent is most often weighed against, with where each one differs from it.
- 2.6GPA
Xero
Free trial · from $27/mo
Cloud accounting for small businesses, with unlimited users.
- FreeAgent also covers time tracking.
- Xero also covers payroll.
- 2.4GPA
QuickBooks Online
Free plan · from $38/mo
Cloud accounting from Intuit, from a free plan to 25-user Advanced.
- QuickBooks Online has a free plan. FreeAgent does not, though it has a free trial.
- FreeAgent also covers time tracking.
- QuickBooks Online also covers payroll.
- 2.6GPA
FreshBooks
Free trial · from $23/mo
Invoicing and accounting for freelancers and service businesses.
- FreshBooks also covers payroll.
- 3.4GPA
Zoho Books
Free plan · from $15/mo
Online accounting from Zoho, with a free plan and six paid tiers.
- Zoho Books has a free plan. FreeAgent does not, though it has a free trial.
- Only Zoho Books lists a Windows app.
- FreeAgent also covers time tracking.
- 2.4GPA
Bonsai
Free trial · from $9/mo
Client, project and billing software for agencies and freelancers.
- Only Bonsai lists a macOS app.
- Only Bonsai lists a browser extension.
- Bonsai also covers forms.
Part 06 · Questions
Quick answers
The questions people ask about it, each answered in a line or two
13
Questions, each answered in a line or two
The short version of everything above, for when you only need the answer. Each one is told in full in its part of the guide.
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.
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.
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.
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.
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.
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.
Where this guide comes from
The prices, plans, platforms and features were read from FreeAgent’s own pages on Oct 17, 2026, and the grades were given on Oct 17, 2026. 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.
Every tool we list gets five grades, A to F, each with its reason, and a GPA that averages them. How each is decided is at toolgpa.com/grades. This guide is ToolGPA’s own work; it is not made, paid for or approved by FreeAgent Central. Prices change, so check freeagent.com before you buy.
Part 07 · About
About ToolGPA
Who made this guide, what else is on the site, and how to cite it
1,858
Tools graded, in 46 categories
ToolGPA grades software the way a school report grades a pupil: five subjects, a letter for each with the reason written beside it, and a GPA that averages them. Prices, plans and platforms are read from each maker’s own pages and dated, so you always know how fresh a figure is.
ToolGPA is free to read. It may earn a commission from affiliate links and it works with sponsors, but anything paid for is labelled and no one can pay for a grade. Every tool on the site has a guide like this one, free to download and pass on. It all lives at toolgpa.com.
1,858
tools graded
46
categories
426
price changes on record
579
apps priced in 12 countries
What else is on toolgpa.com
- FreeAgent, kept up to dateEverything in this guide, with prices and grades as they are todaytoolgpa.com/tools/freeagent
- How grades are givenThe rules behind every letter and every GPAtoolgpa.com/grades
- Value chartsWhat each tool costs against what it scores, for every categorytoolgpa.com/charts
- CompareAny two tools side by side, plan by plantoolgpa.com/compare
- Price changesEvery price rise and cut on record, each with its sourcetoolgpa.com/price-changes
- Prices by countryWhat apps cost on the App Store in 12 countriestoolgpa.com/prices-by-country
- Pay lessEvery public discount: yearly billing, students, nonprofitstoolgpa.com/save
- Keep or makeWhich tools are worth paying for, and which you could build yourselftoolgpa.com/keep-or-make
Scan for the live page
Prices and grades as they are today
Quoting this guide?
Please name ToolGPA and link to the live page, so readers can check the figures for themselves:
ToolGPA, "FreeAgent: The Insider's Guide", checked Oct 17, 2026. https://toolgpa.com/tools/freeagent
Know someone choosing between accounting and invoicing tools?
Send them this guide: toolgpa.com/tools/freeagent/guide
ToolGPA elsewhere: youtube.com/@toolgpa
See our other guides
The best-graded accounting and invoicing tools after FreeAgent, each with an Insider's Guide of its own.
- Accounting & Invoicing Insider's GuideEvery one of the 18 accounting and invoicing tools we grade, compared
- Zoho Invoice Insider's GuideFree invoicing app from Zoho for freelancers and small businesses3.6 GPA
- Zoho Books Insider's GuideOnline accounting from Zoho, with a free plan and six paid tiers3.4 GPA
- Odoo Insider's GuideBusiness app suite whose Accounting app is free when used on its own3.2 GPA
Choosing software? Every tool graded, every price dated.
Compare tools at toolgpa.com ›Everything in this guide is ToolGPA’s own summary of what FreeAgent’s pages, its app-store listings and public reviews said on the dates shown. Grades are our judgement under the rules at toolgpa.com/grades. ToolGPA uses affiliate links and may earn a commission from them, and it works with sponsors; anything paid for is labelled, and no one can pay for a grade. FreeAgent is a trademark of its owner, and this guide is not made, paid for or approved by FreeAgent Central. Prices and plans change: check freeagent.com before you buy.