# Pandle review (2026): is the free plan enough? > UK bookkeeping with a free plan and a £5 monthly upgrade Checked Nov 13, 2026 · graded Nov 13, 2026 by ToolGPA. 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. - **Category:** Accounting & Invoicing - **Made by:** Pandle - **Website:** https://www.pandle.com - **Runs on:** Web, iOS, Android - **Who should skip it:** Tight if you stay free, because bank feeds, receipt uploads and projects are Pro. - **Facts last checked:** Nov 13, 2026 ## Pricing As of Nov 13, 2026, Pandle has a free plan, and paid plans start at £5 per month (+VAT). - **Pricing model:** Free plan - **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 | £5 per month (+VAT), rolling monthly | Adds bank feeds, receipt uploads, projects, user permissions, unlimited users, mileage tracker, stock control and live chat. | Read from https://www.pandle.com/pricing/ on Nov 13, 2026. Prices change, so confirm with Pandle before buying. ## 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. ## Good for - UK sole traders and freelancers who need Making Tax Digital filing - Very small businesses that can work without bank feeds - Landlords, sellers and other self-employed people looking for a cheap option ## 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. ## ToolGPA grades **GPA: 2.8 out of 4**, graded Nov 13, 2026. 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. - **Value for money: B.** Pro is £5 a month plus VAT, a little over $6, inside the cheapest quarter of accounting tools. - **Free plan and trial: B.** The free plan has quotes, invoices, reports, VAT returns and MTD income tax submissions, so a sole trader can live on it. No bank feeds. - **Features: B.** Invoices, VAT and MTD, bank and payment feeds, receipts, mileage, projects and stock. Nothing core is missing. - **Ease of use: C.** No rating read. Bank links and tax settings to set up. - **Platforms and integrations: B.** Web, iOS and Android, with PayPal, Stripe and Plaid. No desktop app. These are ToolGPA's own grades. 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. ## Where it 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. The category's chart of price against score: https://toolgpa.com/charts/accounting ## Keep it, 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. - 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: A real app for iOS and Android. Something home-made would be a web page. - You could not: What a company asks for before it lets staff use something: roles and permissions. - You could not: The depth: we grade its features B, which means it covers the whole job. A judgement by ToolGPA from this listing, by rules that are the same for every tool. Nothing was built to test it. ## Works with PayPal, Stripe, Plaid **Tags:** Bookkeeping, Invoicing, Expense tracking, Quotes and estimates, Reports ## Alternatives - [FreeAgent](https://toolgpa.com/tools/freeagent): Accounting for freelancers and small firms, built in the UK. [Compare](https://toolgpa.com/compare/freeagent-vs-pandle) - [IRIS KashFlow](https://toolgpa.com/tools/kashflow): UK online accounting for sole traders and limited companies. [Compare](https://toolgpa.com/compare/kashflow-vs-pandle) - [QuickFile](https://toolgpa.com/tools/quickfile): UK online accounting, free for smaller ledgers. [Compare](https://toolgpa.com/compare/pandle-vs-quickfile) - [Countingup](https://toolgpa.com/tools/countingup): UK business current account with built-in bookkeeping. [Compare](https://toolgpa.com/compare/countingup-vs-pandle) - [Clear Books](https://toolgpa.com/tools/clearbooks): UK accounting with Making Tax Digital and free sole trader plans. [Compare](https://toolgpa.com/compare/clearbooks-vs-pandle) ## Sources The prices, plans, platforms and features above were read from these pages on Nov 13, 2026: - https://www.pandle.com - https://www.pandle.com/pricing/ - https://www.pandle.com/features/mobile-app/ Page: https://toolgpa.com/tools/pandle Listed by ToolGPA (toolgpa.com).