Pandle review (2026): is the free plan enough?
UK bookkeeping with a free plan and a £5 monthly upgrade
Black Friday: is there a Pandle sale?
Pandle report card
Good · out of 4.0 · graded Nov 13, 2026
Best for UK bookkeeping for sole traders
Pandle is bookkeeping for UK sole traders and small firms, with a free plan that covers invoices, VAT returns and Making Tax Digital income tax. Bank feeds and receipt uploads need Pro at £5 a month plus VAT, and it's built around the UK.
Who Pandle is for
- Fits if you're a UK sole trader who files VAT or MTD
- Works for freelancers who want free invoicing and can skip bank feeds
Who Pandle is not for
- Tight if you stay free, because bank feeds, receipt uploads and projects are Pro
- Watch out: Pro is £5 plus VAT, rolling monthly, with no annual plan
- Not for you if you're outside the UK, as it's built around VAT and MTD
- Watch out: bank connections run through Plaid
Why Pandle gets a 2.8
Five grades, each with its reason. The GPA is their average: an A is 4 points, an F is none.
- BValue for moneyPro is £5 a month plus VAT, a little over $6, inside the cheapest quarter of accounting tools.
- BFree plan and trialThe free plan has quotes, invoices, reports, VAT returns and MTD income tax submissions, so a sole trader can live on it. No bank feeds.
- BFeaturesInvoices, VAT and MTD, bank and payment feeds, receipts, mileage, projects and stock. Nothing core is missing.
- CEase of useNo rating read. Bank links and tax settings to set up.
- BPlatforms and integrationsWeb, iOS and Android, with PayPal, Stripe and Plaid. No desktop app.
What these grades rest on. Graded from this listing, whose facts were read from Pandle's own pages on 13 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/pandle#review"><img src="https://toolgpa.com/badge/pandle.svg" alt="Pandle: 2.8 GPA on ToolGPA" width="196" height="56"></a>Where Pandle stands among accounting and invoicing tools
Pandle's GPA of 2.8 is higher than 109 of the 127 other accounting and invoicing tools we grade, and level with 8.
It stands best on free plan and trial (B, above 93 of 127) and worst on ease of use (C, above 6).
Its paid plans start at about $6.70 a month, against a middle price of $18.09 for the category: 10 of the 90 others that charge start lower.
On features, ease of use and platforms it scores 2.7 out of 4. 1 tool scores higher and costs less.
Each grade against the category
Every bar is all 128 accounting and invoicing tools we grade, cut by the letter each got. Pandle’s own letter is outlined.
- BValue for moneyAbove 89 of 127, level with 21
- BFree plan and trialAbove 93 of 127, level with 25
- BFeaturesAbove 86 of 127, level with 41
- CEase of useAbove 6 of 127, level with 109
- BPlatforms and integrationsAbove 28 of 127, level with 92
Price against what you get
Each dot is one of 101 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 Pandle, or make your own?
Keep it
To replace Pandle 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 is one of the better ones too: its GPA of 2.8 is higher than 109 of the 127 other accounting and invoicing tools we grade. It costs $80.39 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.
- A real app for iOS and Android. Something home-made would be a web page.
- What a company asks for before it lets staff use something: roles and permissions.
- The depth: we grade its features B, which means it covers the whole job.
What this rests on. Pandle’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 Pandle?
Pandle is cloud bookkeeping software aimed at small businesses, sole traders and freelancers in the UK. The free plan covers invoicing, VAT return submissions and Making Tax Digital income tax submissions, and a paid Pandle Pro plan adds bank feeds, receipt uploads and live chat support. Prices are in pounds sterling.
Worth knowing
- Bank feeds, receipt uploads, projects and extra users need Pandle Pro, which is £5 a month plus VAT.
- The pages are aimed at the UK, with Making Tax Digital and VAT filing.
- Pandle Pro is billed monthly only; the pricing page says there is no annual subscription.
- Pandle describes itself as an agent of Plaid Financial Ltd for its bank connections.
Key features
- Invoices and quotes
- Sends quotes and invoices in several currencies, with payment reminders, recurring transactions and customer statements.
- VAT and Making Tax Digital
- Submits VAT returns and MTD income tax updates, and produces EU VAT and EC sales lists, on the free plan too.
- Bank and payment feeds
- Pandle Pro pulls in bank feeds, PayPal feeds and Stripe feeds; bank rules automate the categorizing.
- Receipts and mileage
- Pandle Pro can upload receipts and track mileage, and the mobile app can record journeys automatically.
- Projects and stock
- Pro adds projects, stock control and cash flow forecasting on top of the standard business reports.
- Users and companies
- Pandle Pro allows unlimited users with permissions and multi-company management.
Pandle pricing
As of Nov 13, 2026, Pandle has a free plan, and paid plans start at £5 per month (+VAT).
- Starts at
- £5 per month (+VAT)
- Free plan
- Quotes and invoices, multiple currencies, VAT and MTD income tax submissions, with no bank feeds.
- Free trial
- 14-day free trial of Pandle Pro, no card details required
| Plan | Price | What you get |
|---|---|---|
| Free | £0 | Quotes and invoices, items, reports, VAT returns and MTD income tax submissions; no bank feeds or receipt uploads. |
| Pandle Pro | £5per month (+VAT), rolling monthly | Adds bank feeds, receipt uploads, projects, user permissions, unlimited users, mileage tracker, stock control and live chat. |
Read from pandle.com on Nov 13, 2026. Prices change, so confirm with Pandle before you buy.
Works with
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Common questions
Does Pandle have a Windows app?
No Windows app was listed when its pages were read on Nov 13, 2026. Pandle is listed for Web, iOS and Android.
Does Pandle have a macOS app?
No macOS app was listed when its pages were read on Nov 13, 2026. Pandle is listed for Web, iOS and Android.
Is Pandle open source?
Pandle is not described as open source on its own site, as read on Nov 13, 2026.
Sources for this page
The prices, plans, platforms and features above were read from these pages on Nov 13, 2026.