FreeAgent review (2026): verdict, pros & cons

Accounting tailored to UK freelancers and small businesses with self-assessment and MTD support; free with some bank accounts.

This review trims FreeAgent down to the essentials: its strengths, its trade-offs and the buyer it really suits.

Verdict: If uk freelancers is your priority, FreeAgent rarely disappoints. Our editorial rating is 4.6/5 — an editorial assessment from sourced research and feature comparison, not an average of user reviews.

Who FreeAgent is for

Reach for FreeAgent first when your work centres on uk freelancers, mtd compliance and sole traders. If that matches how you'll use it, value comes quickly; if your needs sit outside that core, a more focused or cheaper tool may serve you better.

Notable features

In practice, the features that define FreeAgent are concrete:

• UK-focused accounting with invoicing, expenses and bank reconciliation
• MTD for VAT and MTD for Income Tax Self Assessment support
• Files SA100/SA103/SA105/SA800/SA102 returns direct to HMRC
• Corporation Tax estimates and VAT returns
• Payroll for up to 5 employees included

UK accounting with HMRC-recognised MTD filing, free for many NatWest-group bank customers.

Pros & cons

What stands out

• + Free for eligible NatWest/RBS/Ulster and Mettle customers (full product)
• + Strong MTD and Self Assessment filing built in
• + Includes payroll for up to 5 employees at no extra cost

Watch-outs

• - UK-only product
• - No active public affiliate program (waitlist only)
• - Less suited to larger or non-UK businesses

Pricing: From ~£19/mo (sole trader) up to ~£33/mo; free for eligible NatWest/RBS customers. · full pricing breakdown →

Bottom line

The short version: FreeAgent rewards anyone whose work leans on uk freelancers, a free plan lets you trial it at zero cost, and pricing is quoted by the vendor, so run a quick trial on a live project before committing.

Full FreeAgent overview →