Same price. Different century.
FreeAgent vs AccountsOS
FreeAgent: £19.50/month for software you have to learn.
AccountsOS: £19/month for an AI that does the work.
FreeAgent was built in 2007 for freelancers. You're a Ltd director in 2025. You don't need dashboards — you need answers. You don't need menus — you need voice commands. You don't need data — you need advice.
Why Directors Are Switching
Free with NatWest? Sure. But “free” software that costs you hours every week isn't free. Here's what £19/month actually buys you:
Voice-first accounting
Dictate expenses from the car. Ask questions while cooking dinner. FreeAgent needs your full attention. We don't.
AI that pays for itself
FreeAgent shows charts. We say 'Take £12,570 salary and £30k dividends — you'll save £2,847 vs your current split.' That's 12 years of subscription paid in one tip.
4-second receipts
Snap a photo. 4 seconds later: extracted, categorized, matched to your bank transaction. FreeAgent's scanning still needs you to review everything manually.
Feature Comparison
| Feature | AccountsOS | FreeAgent |
|---|---|---|
Conversational AI interface Ask questions in plain English. No menus, no learning curve. | ||
Voice input Talk to your books while driving. FreeAgent? Silence. | ||
AI receipt processing Our AI extracts, categorizes, and files. Theirs waits for you. | 4 seconds | Manual |
Proactive tax optimization AI spots savings you'd miss. FreeAgent just shows data. | ||
Bank feeds Both connect to UK banks | ||
Invoicing Both can create and send invoices | ||
MTD for VAT Both are MTD-compliant | ||
Built for Ltd directors FreeAgent was made for freelancers. We're made for you. | Partial | |
Salary/dividend optimization AI calculates your optimal split. FreeAgent doesn't. | ||
Time tracking FreeAgent includes time tracking (for freelancers) | ||
Learning curve If you can text, you can use AccountsOS | Zero | Hours |
FreeAgent
£19.50/month
Or free with NatWest/Mettle (you get what you pay for)
- - Traditional accounting software
- - Manual data entry and categorization
- - You learn the system
- - Designed for freelancers
AccountsOS
£19/month
50p less. Infinitely smarter.
- + AI chat interface (no menus to learn)
- + Voice commands while you multitask
- + 4-second AI receipt processing
- + Proactive tax optimization advice
- + Built for Ltd directors
Data vs Advice
FreeAgent is a filing cabinet. AccountsOS is an advisor.
FreeAgent shows you:
“Your profit this month is £4,230”
Now what? Navigate to reports. Export to Excel. Google what it means. Ask your accountant.
AccountsOS tells you:
“Your profit is £4,230. I notice you haven't claimed home office costs. At £6/week, that's £312/year tax-free. Want me to add it to your expenses?”
Say “yes” and it's done. That's 16 months of AccountsOS subscription — paid for with one tip.
Stop managing software. Start getting advice.
Free during Early Access. No credit card. Import your FreeAgent data in minutes.
The average Ltd director finds £2,000+ in missed deductions in their first month. That's 8 years of subscription paid for — immediately.
Try the AI CFO free