The AI TillComparisons · Accounting
Comparison
FreeAgent vs Zoho Books
UK accounting software for sole traders, partnerships and small companies. Accounting software with a free plan for very small businesses and paid UK plans.
| FreeAgent | Zoho Books | |
|---|---|---|
| Price | £33 a month or £330 a year (excl. VAT), with introductory discounts. Free if you keep a business account with NatWest, RBS or Ulster Bank, or use Mettle (conditions apply). | Free: £0. Standard: £12 a month (£10 billed annually). Professional: £24 (£20). Premium: £30 (£25). Per organisation. |
| Free plan | No. Free for eligible NatWest, RBS, Ulster Bank and Mettle customers; otherwise a 30-day free trial. | Yes. Free plan for sole traders and micro businesses. |
| Best for | Sole traders and freelancers, especially with an eligible bank account. | Sole traders who want free accounts software in pounds. |
| Watch out for | Check the conditions for the free bank offer. | Check the free plan's limits on revenue and features. |
| UK notes | UK company, pounds. | UK pricing in pounds. |
| Made by | FreeAgent | Zoho |
| Checked | 2026-10-14 | 2026-10-14 |
Our verdict
For most small UK businesses starting out, Zoho Books is the easier first pick because it has a free plan and its entry plan costs less. Pick FreeAgent instead if this sounds like you: sole traders and freelancers, especially with an eligible bank account.
UK price difference
Cheapest paid plans: FreeAgent £33 (standard, per month excl. VAT); Zoho Books £12 (Standard, per month (£10 billed annually)). Zoho Books is £21 a month cheaper at entry level, though billing terms differ. Check on the provider page whether VAT is included before you buy.
Who should pick which?
- Choose FreeAgent for: sole traders and freelancers, especially with an eligible bank account.
- Choose Zoho Books for: sole traders who want free accounts software in pounds.
Only Zoho Books has a free plan, so you can try it first at no cost. Prices change, so check the provider's page before buying.
Other accounting to consider
Xero
Cloud accounting for invoices, bank feeds, VAT and payroll, with AI-assisted features.
QuickBooks
Cloud accounting with invoicing, expenses and VAT, plus Intuit Intelligence AI features (some in beta).
Sage Accounting
UK accounting and payroll software with the Sage Copilot AI assistant included in every plan.
Full details
FreeAgent tool page · Zoho Books tool page · How we check prices
Sources
Free daily email
One useful AI tool each weekday: what it costs, who it suits and a tip to try. Five minutes to read.
Unsubscribe any time. Privacy.