IRIS KashFlow review (2026): is it worth £13.50 a month?
UK online accounting for sole traders and limited companies
Black Friday: is there a IRIS KashFlow sale?
IRIS KashFlow report card
Fair · out of 4.0 · graded Nov 12, 2026
Best for UK online accounts for sole traders and small companies
IRIS KashFlow is UK online accounting with VAT returns, bank feeds, payroll and reports, from £13.50 a month plus VAT. New customers get the first 6 months at a tenth of that, then the full price, and Starter is limited to one user, 10 invoices and 25 bank transactions. It's UK only.
Who IRIS KashFlow is for
- 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
Who IRIS KashFlow is not for
- 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
Why IRIS KashFlow 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 money£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.
- CFree plan and trialA 14-day free trial with no credit card. No free plan.
- CFeaturesInvoices, VAT returns, bank feeds, expenses, payments and payroll. Starter caps you at 10 invoices and 25 bank transactions, and unlimited needs Business.
- CEase of useNo store rating on record, and the pricing page names a mobile app without saying which systems it runs on.
- BPlatforms and integrationsWeb only on the listing, with Shopify, WooCommerce, Amazon, eBay, Salesforce and others connected.
What these grades rest on. Graded from this listing, whose facts were read from IRIS KashFlow's own pages on 12 November 2026. Not based on using the product, and shorter than our full reviews. How we review and grade.
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<a href="https://toolgpa.com/tools/kashflow#review"><img src="https://toolgpa.com/badge/kashflow.svg" alt="IRIS KashFlow: 2.2 GPA on ToolGPA" width="196" height="56"></a>Where IRIS KashFlow stands among accounting and invoicing tools
IRIS KashFlow's GPA of 2.2 is higher than 22 of the 65 other accounting and invoicing tools we grade, and level with 15.
It stands best on platforms and integrations (B, above 13 of 65) and worst on ease of use (C, above 1).
Its paid plans start at about $18.09 a month, against a middle price of $18.09 for the category: 27 of the 54 others that charge start lower.
On features, ease of use and platforms it scores 2.3 out of 4. 8 tools score higher and cost less.
Each grade against the category
Every bar is all 66 accounting and invoicing tools we grade, cut by the letter each got. IRIS KashFlow’s own letter is outlined.
- CValue for moneyAbove 13 of 65, level with 34
- CFree plan and trialAbove 15 of 65, level with 34
- CFeaturesAbove 4 of 65, level with 46
- CEase of useAbove 1 of 65, level with 56
- BPlatforms and integrationsAbove 13 of 65, level with 46
Price against what you get
Each dot is one of 58 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 IRIS KashFlow, or make your own?
Keep it
To replace IRIS KashFlow 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.
It costs $217.06 a year.
What you could make
- Invoicing, expense tracking, quotes and estimates 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.
- Payroll taxes worked out and filed with the government for you.
- It plugs into other products, Shopify, WooCommerce and Amazon among them, and has an API.
What this rests on. IRIS KashFlow’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 IRIS KashFlow?
IRIS KashFlow is UK online accounting software for sole traders, contractors and small limited companies. It covers invoicing, bank feeds, purchases and expenses, and VAT returns that can be submitted to HMRC. Payroll for up to five employees is listed on both plans, and a free accountant edition is sold separately as KashFlow Connect.
Worth knowing
- 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.
Key features
- 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.
IRIS KashFlow pricing
As of Nov 12, 2026, IRIS KashFlow is a paid product with a free trial, starting at £13.50 per month, billed monthly (£1.35 for the first 6 months).
- Starts at
- £13.50 per month, billed monthly (£1.35 for the first 6 months)
- Free plan
- None
- Free trial
- 14-day free trial, no credit card required
| Plan | Price | What you get |
|---|---|---|
| Starter | £13.50per 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 | £27.50per 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. |
Read from kashflow.com on Nov 12, 2026. Prices change, so confirm with IRIS KashFlow before you buy.
Ways to pay less
- Other savings90% 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.
Stated on kashflow.com - Annual discountAnnual 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.
Stated on kashflow.com
Works with
IRIS KashFlow alternatives
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- IRIS KashFlow vs Zoho Books
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Common questions
Does IRIS KashFlow have an Android app?
No Android app was listed when its pages were read on Nov 12, 2026. IRIS KashFlow is listed for Web.
Does IRIS KashFlow have an iPhone app?
No iPhone app was listed when its pages were read on Nov 12, 2026. IRIS KashFlow is listed for Web.
Is IRIS KashFlow open source?
IRIS KashFlow is not described as open source on its own site, as read on Nov 12, 2026.
Does IRIS KashFlow have an API?
Yes. IRIS KashFlow offers a public API, according to its own site.
Sources for this page
The prices, plans, platforms and features above were read from these pages on Nov 12, 2026.