Accounting & banking

Bookkeeping, Making Tax Digital, CIS and business banking. Many show big first-months discounts, so we list the regular price.

See the side-by-side comparison

Pandle

Free plan

Pandle Free; Pandle Pro £5/mo + VAT.

sole trader Price checked 20 Oct 2026

Tide

Accounting & banking

Free plan

Free plan (no plan fee); Smart £12.49/mo; Pro £27.49/mo; Max £69.99/mo.

sole tradersmall firm Price checked 20 Oct 2026

Countingup

Accounting & banking

from £5/mo

£5/mo (deposits up to £750), £12/mo (to £7,500), £20/mo (unlimited) after a 3-month free trial.

sole trader Price checked 20 Oct 2026

Sole Trader Plus £10/mo, Simple Start £16, Essentials £38, Plus £56, Advanced £123 per month. The page showed 90% off for the first 6 months (or a 30-day free trial instead). VAT treatment was not stated on the page we saw.

sole tradersmall firm Price checked 20 Oct 2026

Coconut

Accounting & banking

from £12.99/mo

Several plans for sole traders, e.g. MTD filing £12.99/mo (or £129.99/yr); MTD Bridging £49.99/yr. Monthly/yearly toggle makes the table hard to read.

sole trader Price checked 20 Oct 2026

Xero

Accounting & banking

from £18/mo

Ignite £18/mo; Grow £39; Comprehensive £55; Ultimate £70 (ex VAT). Page showed 90% off for the first 6 months.

sole tradersmall firm Price checked 20 Oct 2026

FreeAgent

Accounting & banking

from £19/mo

Sole trader £19/mo; limited company £33/mo (ex VAT). Page showed 50% off for the first 6 months.

sole tradersmall firm Price checked 20 Oct 2026

Sage Accounting

Accounting & banking

from £20/mo

Start £20/mo (1 user); Standard £43/mo (3 users). Ex VAT. Page showed 90% off for 6 months.

sole tradersmall firm Price checked 20 Oct 2026