Cheap Small Business Accounting That Scales With You

Your business is small. Your accounting bill shouldn't be. AccountsOS is £20/month + VAT, all-in.

Save up to £960-2,160/year

AccountsOS is a cheap small business accountant alternative at £20/month + VAT. Finn, your AI accountant, handles bookkeeping, VAT, Corporation Tax and invoicing for your Ltd company automatically. Try free for 14 days.

Not sure if AccountsOS is right for you?

Ask Finn anything about how it compares or what it would do for your business. No signup needed.

Traditional Cost

£100-200/month small business accountant

AccountsOS

£20/month + VAT 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 + VAT 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 + VAT, 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 + VAT 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 + VAT 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.

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Free for 14 days • No credit card • Cancel anytime