FreeAgent vs KashFlow Comparison
Compare FreeAgent vs KashFlow features, pricing, and more.
Last updated: November 2026
FreeAgent
6.4/10
FreeAgent is UK cloud accounting software for sole traders, limited companies, partnerships, and landlords. It covers invoicing, banking, payroll, and Making Tax Digital filing.
KashFlow
5.3/10
KashFlow is a UK cloud accounting package from IRIS for sole traders and small businesses. It covers invoicing, bank feeds, VAT filing, and basic payroll.
Feature-by-Feature Comparison
| Feature | | |
|---|---|---|
| Scores | ||
| Overall Rating | 6.4/10 | 5.3/10 |
| Scalability | 3/10 | 3/10 |
| Analytics | 4/10 | 5/10 |
| Compliance | 8/10 | 6/10 |
| Integration | 6/10 | 5/10 |
| Security | 6/10 | 5/10 |
| Support | 7/10 | 3/10 |
| Cost | 8/10 | 8/10 |
| Customization | 4/10 | 3/10 |
| Ease of Use | 8/10 | 6/10 |
| Pricing | ||
| Free plan | No | No |
| Cheapest paid plan | £10/mo Landlord | £14/mo Starter |
| Estimated cost for 10 users | £10/mo Landlord | £28/mo Business |
| Features | ||
| Invoicing | ||
| Accountant Access | ||
| Financial Reporting | ||
| Expense Management | ||
| Online Payments | ||
| Payroll | ||
| General Ledger | ||
| Tax Compliance | ||
| Multi-currency | ||
| Bank Reconciliation | ||
| Inventory Accounting | Not listed | |
Which One Should You Choose?
Why choose FreeAgent
- Lower estimated cost for 10 users: £10/mo vs £28/mo
- Higher Support score (7/10 vs 3/10)
- Higher Compliance score (8/10 vs 6/10)
- Better fit for freelancers (10/10 vs 7/10)
Why choose KashFlow
- Higher Analytics score (5/10 vs 4/10)
Pros & Cons
FreeAgent
Pros
- Free for customers with a NatWest, RBS, Ulster Bank, or qualifying Mettle business account.
- Built-in HMRC filing covers MTD VAT, Self Assessment, and MTD for Income Tax, and the limited company plan adds end-of-year filing.
- Reviewers often praise its UK-based phone and chat support.
- Every plan includes time tracking, projects, and invoicing, which suits freelancers who bill by the hour.
- Multi-currency invoicing and foreign-currency bank accounts are supported, with realised and unrealised gains and losses calculated automatically.
Cons
- Reviewers describe invoice templates as basic and say custom reporting is limited.
- Payroll suits only director-only setups or very small teams.
- Its integration ecosystem is smaller than those of Xero or QuickBooks.
- It has no multi-entity consolidation or advanced controls, so it does not scale to larger firms.
- Some users report out-of-date help articles.
KashFlow
Pros
- Low entry price, with steep introductory discounts for new customers
- Payroll for up to five employees is included rather than sold separately
- VAT management and online submission are built into both plans
- Stock control and multi-currency are included even on the cheapest plan
- Accountants can use KashFlow Connect at no charge
Cons
- The Starter plan caps invoices at 10 and bank reconciliation at 25 transactions, and allows only one user
- Reviewers call it too basic for medium-sized businesses and difficult to customise
- Very low Trustpilot rating (1.4) and app store ratings, with complaints about customer service
- The API is SOAP-based, and some reviewers say it integrates less well than rivals
