Accounting software cost calculator
Set your own numbers and see what each accounting option costs in pounds, from prices read on each provider’s own page.
- Zoho Books Standard£12.00Payment fees not published
- Xero Ignite£18.00Payment fees not published
- FreeAgent Sole trader£19.00Payment fees not published
- FreshBooks Plus£38.00Payment fees not published · includes £8 for extra logins
Regular published prices only. Introductory offers and tax are left out. Figures are arithmetic on the provider’s own numbers, not a recommendation.
UK prices read 28 October 2026. Default: a sole trader with two logins, 12 clients and 15 invoices a month averaging £800.
How it works
The calculator uses only figures each provider publishes. Where a fee is not published, the row says so and the figure leaves it out, which is why such a row ranks after every fully priced one. Introductory discounts are ignored because they end; tax is excluded because it depends on you.
The same code ranks the lists in our invoicing & accounting comparisons, using the defaults shown, so the order on those pages is the order this calculator gives for that profile. See how we rank.
Best accounting software for small businesses in the UK (2026)
Four apps compared on what they cost a UK sole trader, partnership or limited company, including extra users and Making Tax Digital support.
Guide · US & UKHow invoice payment fees work: card, ACH, bank transfer and direct debit
When a client pays through an invoice link, you receive less than the invoice total. Here is what each payment method costs, how to estimate it per month, and the rules on surcharges and late payment.