# IRIS KashFlow review (2026): is it worth £13.50 a month? > UK online accounting for sole traders and limited companies Checked Nov 12, 2026 · graded Nov 12, 2026 by ToolGPA. 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. - **Category:** Accounting & Invoicing - **Made by:** KashFlow Software Ltd - **Website:** https://www.kashflow.com - **Runs on:** Web - **Who should skip it:** Tight if you're on Starter: one user, 10 invoices and 25 bank transactions. - **Facts last checked:** Nov 12, 2026 ## 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). - **Pricing model:** Free trial - **Free plan:** None. - **Free trial:** 14-day free trial, no credit card required. | Plan | Price | What you get | | --- | --- | --- | | 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. | Read from https://www.kashflow.com/pricing/ on Nov 12, 2026. Prices change, so confirm with IRIS KashFlow before buying. ## Ways to pay less - **90% off the first 6 months** (Other savings): New customers on monthly billing pay £1.35 (Starter) or £2.75 (Business) a month for 6 months, then the regular monthly price. Source: https://www.kashflow.com/pricing/ - **Annual plans for new customers** (Annual discount): 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. Source: https://www.kashflow.com/pricing/ ## 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. ## Good for - UK sole traders and contractors who need VAT returns and simple bookkeeping - Small limited companies that share their books with an accountant - Businesses that sell through UK-oriented e-commerce stores ## 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. ## ToolGPA grades **GPA: 2.2 out of 4**, graded Nov 12, 2026. 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. - **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. - **Free plan and trial: C.** A 14-day free trial with no credit card. No free plan. - **Features: C.** Invoices, VAT returns, bank feeds, expenses, payments and payroll. Starter caps you at 10 invoices and 25 bank transactions, and unlimited needs Business. - **Ease of use: C.** No store rating on record, and the pricing page names a mobile app without saying which systems it runs on. - **Platforms and integrations: B.** Web only on the listing, with Shopify, WooCommerce, Amazon, eBay, Salesforce and others connected. These are ToolGPA's own grades. 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. ## Where it 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. The category's chart of price against score: https://toolgpa.com/charts/accounting ## Keep it, 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. - You could make: Invoicing, expense tracking, quotes and estimates 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: Payroll taxes worked out and filed with the government for you. - You could not: It plugs into other products, Shopify, WooCommerce and Amazon among them, and has an API. A judgement by ToolGPA from this listing, by rules that are the same for every tool. Nothing was built to test it. ## Works with Shopify, WooCommerce, Amazon, eBay, Salesforce, Zoho CRM, Capsule, Magento **Tags:** Invoicing, Bookkeeping, Expense tracking, Quotes and estimates, Reports, Payroll, Public API ## Alternatives - [QuickBooks Online](https://toolgpa.com/tools/quickbooks): Cloud accounting from Intuit, from a free plan to 25-user Advanced. [Compare](https://toolgpa.com/compare/kashflow-vs-quickbooks) - [Xero](https://toolgpa.com/tools/xero): Cloud accounting for small businesses, with unlimited users. [Compare](https://toolgpa.com/compare/kashflow-vs-xero) - [FreeAgent](https://toolgpa.com/tools/freeagent): Accounting for freelancers and small firms, built in the UK. [Compare](https://toolgpa.com/compare/freeagent-vs-kashflow) - [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/kashflow-vs-zoho-books) ## Sources The prices, plans, platforms and features above were read from these pages on Nov 12, 2026: - https://www.kashflow.com/pricing/ - https://www.kashflow.com/apps-category/e-commerce/ - https://www.kashflow.com/apps-category/crm/ Page: https://toolgpa.com/tools/kashflow Listed by ToolGPA (toolgpa.com).