FreeAgent vs Pandle
Our verdict
It depends on your prioritiesTwo United Kingdom products with Making Tax Digital built in, at £33 a month and nothing.
TechBigs verdict, published Sep 4, 2026
Pandle covers a surprising amount for free, including bank feeds and Making Tax Digital submissions. FreeAgent is worth its price when you need payroll, self-assessment filing, or simply have a NatWest, Royal Bank of Scotland, Ulster Bank or Mettle account that makes it free.
Read the full analysis
What each one costs
FreeAgent prices by legal structure: £10 a month for unincorporated landlords, £19 for sole traders, £27 for partnerships and limited liability partnerships, £33 for limited companies. It is free for customers of NatWest, Royal Bank of Scotland, Ulster Bank and Mettle. Pandle's main plan is free, with Pandle Pro at £5 a month plus VAT after a fourteen-day trial.
Filing and payroll
FreeAgent states Making Tax Digital VAT returns filed to HM Revenue and Customs, a real-time view of the self-assessment position with direct filing, and monthly payroll with PAYE and National Insurance. Pandle states VAT returns and Making Tax Digital income tax submissions, but no payroll. For a limited company paying directors through PAYE, that is the deciding line.
What the free plan holds
Pandle's free plan lists bank feeds, receipt uploads, invoicing and quotes, multiple currencies, stock control, unlimited users, cash flow forecasting and bank rules. That is more than most paid entry plans in this catalogue, which makes Pandle the sensible first stop for a United Kingdom micro-business before paying anyone.
Where they differ
2 facts that can decide it; identical facts are below- PricingFreeAgent: Flat rate from £10/moPandle: Free plan, paid from £5/mo
- Free optionFreeAgent: Free trialPandle: Free plan
Everything else
Same on both unless markedBasics
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| Basics | FreeAgent | Pandle |
|---|---|---|
| Pricing (products differ) | Flat rate from £10/mo | Free plan, paid from £5/mo |
| Pricing model (products differ) | Flat rate | Free plan available |
| Free plan (products differ) | No | Yes |
| Category | Accounting Software | Accounting Software |
| Product type | SaaS | SaaS |
| Free trial | Yes | Yes |
| Deployment | Cloud | Cloud |
| Team size | Solo, Small teams (2–50) | Solo, Small teams (2–50) |
Pricing
FreeAgent
- Unincorporated landlords£10/mo
Flat rate, 30-day trial
- Sole traders£19/mo
Flat rate, 30-day trial
- Partnerships and LLPs£27/mo
Flat rate, 30-day trial
- Limited companies£33/mo
Flat rate, 30-day trial
Pandle
- PandleFree
Free
- Pandle Pro£5/mo
Flat rate, 14-day trial
Features
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| Feature | FreeAgent | Pandle |
|---|---|---|
| Multi-currency (products differ) | Not verified | Yes |
| Inventory tracking (products differ) | Not verified | Yes |
| Payroll (products differ) | Yes | Not verified |
| Project and time tracking (products differ) | Yes | Not verified |
| Invoicing and quotes | Yes | Yes |
| Bank feeds and reconciliation | Yes | Yes |
| Expense and receipt tracking | Yes | Yes |
| Tax and VAT reporting | Yes | Yes |
Integrations
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| Integration | FreeAgent | Pandle |
|---|---|---|
| PayPal (products differ) | Not listed | Native |
| Shopify (products differ) | Native | Not listed |
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