FreeAgent pricing UK: every plan and what you need for MTD (October 2026)
We read every price on FreeAgent's own UK pricing page on 9 October 2026, then checked what FreeAgent does for Making Tax Digital for Income Tax in HMRC's software list. No estimates: where the page is unclear, we say so.
All FreeAgent plans and prices
| Plan | Price a month | First 6 months | With VAT (20%) | Paid yearly | First 12 months* | What you get |
|---|---|---|---|---|---|---|
| Unincorporated landlordLandlords who own property in their own name | £10 + VAT | £5 + VAT | £12 | £100 + VAT a year£50 the first year | £50 + VAT | Property finances · MTD for Income Tax, VAT and Self Assessment · No payrollFree with NatWest, RBS, Ulster Bank or Mettle |
| Sole traderSelf-employed people | £19 + VAT | £9.50 + VAT | £22.80 | £190 + VAT a year£95 the first year | £95 + VAT | Invoicing, expenses, time tracking · MTD for Income Tax, VAT and Self Assessment · Payroll includedFree with NatWest, RBS, Ulster Bank or Mettle |
| Partnership or LLPPartnerships and LLPs | £27 + VAT | £13.50 + VAT | £32.40 | £270 + VAT a year£135 the first year | £135 + VAT | Daily admin tools and payroll · VAT · Partnerships do not use MTD for Income Tax yetFree with NatWest, RBS or Ulster Bank (not Mettle) |
| Limited companyLimited companies | £33 + VAT | £16.50 + VAT | £39.60 | £330 + VAT a year£165 the first year | £165 + VAT | Payroll · VAT, Self Assessment and end-of-year filing · Companies are outside MTD for Income TaxFree with NatWest, RBS, Ulster Bank or Mettle |
* Cheapest way to pay for a new customer over the first 12 months, with the introductory offer (50% off for 6 months (monthly) or the first year (yearly)). Pay monthly or yearly. Every paid plan starts with a 30-day free trial and you can cancel at any time. Introductory discount shown on the pricing page for new subscriptions. Free trial: 30 days free on every paid plan.
Do you need MTD software yet?
Answer a few questions to get your start date, every deadline for your calendar, and the products that handle your whole tax return.
Which FreeAgent plan do you need for Making Tax Digital?
You bank with NatWest, RBS or Ulster Bank (business account) or Mettle
Free
Same plan as paying customers, for as long as you keep the account (Mettle: one transaction a month).
Landlord in your own name, other bank
Unincorporated landlord
£10 a month or £100 a year excluding VAT, with MTD for Income Tax included.
Sole trader, other bank
Sole trader
£19 a month or £190 a year excluding VAT. Paying yearly saves £38.
Landlord with overseas property
Check before buying
HMRC lists foreign property income as not included for FreeAgent.
Get FreeAgent free through your bank
| Bank | Condition |
|---|---|
| NatWest | Business current account, for as long as you keep it |
| Royal Bank of Scotland | Business current account, for as long as you keep it |
| Ulster Bank | Business current account, for as long as you keep it |
| Mettle (by NatWest) | At least one transaction a month; not offered for partnerships |
NatWest says FreeAgent is free for all its business current account customers who are over 18 and have the right to be self-employed in the UK. A personal current account does not qualify: NatWest asks people who trade through one to open a business account. Optional add-ons may still be charged.
Extras that change the bill
| Add-on | Price (excluding VAT) |
|---|---|
| Smart Capture Unlimited | £5 a month (standard use: 10 receipts and bills a month) |
| Amazon (UK Marketplace) | £6 a month, not on the landlord plan |
What FreeAgent supports for MTD, according to HMRC
| Quarterly updates | Yes |
|---|---|
| Final tax return | Yes |
| Self-employment income | Ready now |
| UK property income | Ready now |
| Foreign property income | Not included |
| Other tax return items ready now | 16 of 16 (salary, dividends, pensions, capital gains…) |
| MTD for VAT | Ready now |
| Free version listed by HMRC | Yes, listed separately as “FreeAgent for free with Mettle, NatWest & RBS” |
Full FreeAgent profile: all 32 HMRC features
Cheaper options for MTD than FreeAgent
Products recognised by HMRC that keep your digital records and send the final tax return, and that are free or start below £10 a month on their own pricing pages. Check that each one covers your income: some handle only self-employment or only property.
| Software | From | Self-employment | UK property | Foreign property |
|---|---|---|---|---|
 Clear Books | Free option £5/month + VATFree plans: unlimited transactions, no bank feeds/invoicing | Ready now | Ready now | Ready now |
 Pandle | Free option £5/month + VAT | Ready now | Ready now | Not included |
 Sage Sole Trader & Landlord | Free option £7/month + VAT25 auto-categorised transactions, 1 bank account, 5 sales invoices a month | Ready now | Ready now | Not included |
 Keepr | Free option £9/month, VAT not statedUnlimited clients, invoices, expenses | Ready now | Not included | Not included |
 Monzo | Free option £9/month, VAT not statedRequires a Monzo Business account | Ready now | Ready now | Not included |
 Crunch | Free option £10/month + VAT | Ready now | Not included | Not included |
| Free option £12/month + VAT1 user + 1 accountant; up to 1,000 invoices and 1,000 expenses a year; 50 receipt autoscans a month | Ready now | Ready now | Not included | |
 My Tax Digital (Free) | Free optionUnlimited businesses and individuals | Ready now | Ready now | Ready now |
Cheaper alternatives to Xero and QuickBooks · Free MTD software · Filter all 158 products
Good to know
- Prices exclude 20% VAT.
- FreeAgent is listed by HMRC as ready for all 16 'other income' items of the tax return (salary, dividends, pensions, capital gains…): on 9 October 2026, only 13 of the 158 products on HMRC's list were.
- The landlord plan has no payroll; the sole trader plan includes it.
Questions about FreeAgent pricing
How much does FreeAgent cost?
£10 a month for unincorporated landlords, £19 for sole traders, £27 for partnerships and LLPs and £33 for limited companies, excluding VAT. Yearly prices are £100, £190, £270 and £330. New subscriptions get 50% off for the first 6 months or the first year.
Is FreeAgent free with NatWest?
Yes, with a NatWest, Royal Bank of Scotland or Ulster Bank business current account, for as long as you keep it. A personal current account does not qualify.
Is FreeAgent free with Mettle?
Yes, if you make at least one transaction a month on your Mettle account. The Mettle offer covers sole traders, landlords and limited companies, not partnerships.
Can landlords use FreeAgent for Making Tax Digital?
Yes. The unincorporated landlord plan includes MTD for Income Tax, and HMRC lists FreeAgent as ready for UK property income. Foreign property income is not supported yet.
Prices checked on 9 October 2026 on FreeAgent pricing (plans, VAT, free offer by bank); NatWest: FreeAgent free for business. MTD features: HMRC software finder, FreeAgent (Open Government Licence v3.0), checked 9 October 2026. Prices and offers change often: check the provider's page before you buy. Clarpilot is independent; commissions never change what we show.