FreeAgent vs Sage Accounting
Both are full cloud accounting tools for Making Tax Digital for Income Tax.
FreeAgent is the cheaper starting point at from £144/yr (VAT included) versus from £288/yr for Sage Accounting — but the cheapest plan only wins if it covers the income types you actually have.
| FreeAgent | Sage Accounting | |
|---|---|---|
| True annual cost from | from £144/yr | from £288/yr |
| Self-employment | Yes | Yes |
| Property / rent | Yes | Yes |
| Keeps your spreadsheet | No | No |
| Accountant access | Yes | Yes |
| Type | full cloud accounting | full cloud accounting |
| HMRC status | Recognised | Recognised |
| Price verified | 2026-08-10 | 2026-08-10 |
FreeAgent
Freelancer-favourite accounting with time tracking and project costing. Free for life with the right bank — which can make it the cheapest serious option by a mile.
- NatWest / RBS / Ulster / Mettle customers (free!)
- Contractors and freelancers
Sage Accounting
Established accounting software with strong accountant support and phone help. Pricier than most here, no surprises.
- People who want UK phone support
- Those whose accountant uses Sage
Not sure either is right? Use the finder to get a recommendation ranked by what it will actually cost you.
Prices are each tool's cheapest plan, VAT included, last verified 10 August 2026 (catalogue reconciled 10 August 2026). Links are affiliate links and never affect ranking. Not affiliated with HMRC; not tax advice.