Cheap Small Business Accounting That Scales With You
Your business is small. Your accounting bill shouldn't be. AccountsOS is £20/month, all-in.
AccountsOS is a cheap small business accountant alternative at £20/month. Finn, your AI accountant, handles bookkeeping, VAT, Corporation Tax and invoicing for your Ltd company automatically. Try free for 14 days.
Traditional Cost
£100-200/month small business accountant
AccountsOS
£20/month flat rate
You Save
£960-2,160/year
Free for 14 days • No credit card required
Sound familiar?
Accountants who treat you like a big client and charge like one
Getting lost in a large firm's client list
Paying for services designed for bigger businesses
Outgrowing DIY but not ready for big accountant fees
There's a better way
AccountsOS is sized right for small businesses. All the features a growing Ltd company needs: VAT, Corporation Tax, invoicing, expenses, bank feeds. Finn, your AI accountant, works in the background and pings you only when it needs one thing. £20/month flat, no surprises.
Scales from one person to small team
Professional invoicing included
Multi-project tracking
Expense management for employees
VAT schemes (Standard, Flat Rate)
Real-time cash flow visibility
AccountsOS vs Small business accountant
| Feature | AccountsOS | Small business accountant |
|---|---|---|
| Monthly cost | £20/month, all-in | £100-200/month |
| Who does the data entry | Finn reads receipts and bank feeds | You or your bookkeeper |
| Receipt handling | WhatsApp, email, photo - instant | Shoebox or portal upload |
| VAT/MTD filing | Included, filed direct to HMRC | Included, slower process |
| Deadline tracking | Companies House + HMRC auto-synced | Accountant reminds; you chase |
| Answering your questions | Ask Finn anytime, instant reply | Email; 1-3 day response typical |
| Real-time visibility | Live P&L and cash flow always | Quarterly or annual summaries |
Perfect for
Solo founders growing into small teams
Micro-businesses with 1-5 employees
Service businesses with project-based work
Retail and e-commerce small businesses
Frequently Asked Questions
At what size do I need a 'real' accountant?
There's no magic number. Many businesses with £500k+ revenue manage fine with AccountsOS. You might want human advice for complex situations (international expansion, fundraising, acquisition) - but day-to-day accounting? Finn handles it.
Can cheap accounting software handle employees?
Yes. AccountsOS includes payroll basics and expense management for small teams. RTI submissions, P60s, and pension tracking are all part of the £20/month price.
What if my small business grows?
AccountsOS grows with you. There are no usage limits, no per-employee fees, no enterprise tier to upgrade to. Your price stays £20/month whether you're solo or have a small team.
Is cheap accounting suitable for client-facing businesses?
Absolutely. AccountsOS includes professional invoicing with your branding. Your clients see a polished invoice, not a budget software logo. Quality presentation at a budget price.
Ready to save £960-2,160/year?
Join UK founders who've switched to smarter, more affordable accounting.
Get Started FreeFree for 14 days • No credit card • Cancel anytime