FreeAgent
Zoho Books
| Feature | FreeAgent | Zoho Books |
|---|---|---|
| Pricing | From $14/mo | Free / from $15/mo |
| Free Plan | ✗ No | ✓ Yes |
| Rating | 4.3 / 5 | 4.3 / 5 |
| Best For | uk-freelancers, sole-traders, small-businesses, contractors | small-businesses, freelancers, zoho-users, international-businesses |
| Founded | 2007 | 2011 |
| Invoicing | ✓ | ✓ |
| Expenses | ✓ | ✓ |
| Tax Returns | ✓ | ✗ |
| Bank Reconciliation | ✓ | ✗ |
| Time Tracking | ✓ | ✗ |
| Project Management | ✓ | ✗ |
| Banking | ✗ | ✓ |
| Tax Compliance | ✗ | ✓ |
| Inventory | ✗ | ✓ |
| Project Accounting | ✗ | ✓ |
✓ FreeAgent Pros
- Great for UK businesses
- HMRC compliant
- Easy invoicing
- Bank feeds
✗ FreeAgent Cons
- UK-focused
- Limited for larger businesses
- No inventory management
✓ Zoho Books Pros
- Free plan available
- Zoho ecosystem
- Good automation
- Multi-currency
✗ Zoho Books Cons
- Revenue limits on free
- Limited third-party integrations
- Complex for beginners
The Verdict
FreeAgent is built for uk freelancers and sole traders, with a focus on invoicing and expenses. Zoho Books targets small businesses and freelancers and leads with invoicing and expenses.
Pricing is close: FreeAgent starts at $14/mo versus $15/mo for Zoho Books — not a deciding factor on its own.
Zoho Books has a free plan, which gives it a meaningful edge for individuals and small teams exploring their options. FreeAgent requires a paid subscription from day one.
Both tools are a solid fit for small businesses — in those cases, the decision often comes down to workflow style and how your team prefers to organize work.
This is a genuinely close comparison. If you can, sign up for both free trials (where available) and run a one-week test with your actual team tasks before deciding.