FreeAgent

FreeAgent covers invoices, expenses, VAT returns and the self assessment filing a UK sole trader has to do anyway, and it files them with HMRC directly. Bank feeds and receipt capture keep the bookkeeping from piling up into an annual weekend of dread. It is UK-only, so it is no use to anybody filing anywhere else.

£33 a month or £330 a year for a limited company, both excluding VAT, with a 30-day trial first and half price for the first six months or the first year. Partnerships, sole traders and landlords are priced separately on the same page. Two add-ons sit outside the plan: unlimited receipt capture at £5 a month and an Amazon connection at £6. The £0 plan is real and comes from banking with NatWest, Royal Bank of Scotland, Ulster Bank or Mettle, which makes it a bank perk rather than a tier you can sign up for.

UK sole traders and small limited companies who want the bookkeeping and the filing in the same place. Anybody outside the UK gets nothing from it, since the tax logic is the product.