Clear Books is the ledger for a UK sole trader, landlord, or small company. You record income and expenses, send invoices, and file to HMRC from this file. Paid plans add bank feeds and bill and receipt capture. MTD for Income Tax quarterly updates are on the free sole trader and property plans. MTD VAT submissions are on Sole Trader Plus and on the Medium and Large organisation plans. The site has said it is UK software since 2008.

Xero and QuickBooks Online are the ledgers many accountants already know. Kick is a US replacement ledger. Dext, Hubdoc, and Veryfi capture documents and publish them into Xero or QuickBooks Online. Nanonets and DocuClipper extract invoices or statements for those same files. Clear Books is the books, not a capture add-on. Invoices, bank matching, VAT, CIS, and dividends live here, with hard plan gates. A US shop will not find 1099s in this file.

People who stay want UK support and one file that can start as a free MTD Income Tax record for a simple sole trader or a single property, then add invoicing and bank feeds. You can invite an accountant on the free plans. Limited companies, partnerships, and charities move to the organisation plans when they need journals, user permissions, dividends, and the fuller report set.

Sole Trader Free, Property Free, and Foreign Property Free cover HMRC-recognised MTD Income Tax quarterly updates and year-end filing, with no transaction cap, and you can invite an accountant. MTD VAT, the flat-rate scheme, and domestic reverse charge start on Sole Trader Plus. On organisation plans, MTD VAT submissions start on Medium. Small does not include them.

File MTD from the plan that includes it

Sole Trader and the organisation plans create and email invoices, including recurring invoices and reminders. Stripe and GoCardless are on the feature list for card and direct debit. Instant Bank Payments is an optional open-banking add-on. The pricing page does not show that add-on's price.

Invoice and collect in the same file

Paid sole trader and property plans include automated bank feeds and bill and receipt scanning. Organisation plans include a bank feed with automated matching on Small and up. The feature list also names an Auto Code pass over bank lines. The bank-feed provider is not named.

Match a bank feed and capture bills

Medium adds purchase orders, CIS reporting and submissions, and budgets, plus MTD VAT. Large adds project accounting, multi-currency with XE.com rates unless you override them, employee expense claims, mileage, and fixed assets. Stock tracking is marked on Small, Medium, and Large.

Step up for VAT, CIS, projects, and currency

The feature list says you can pay bills and payroll from Clear Books through Revolut Business. Payroll is a separate add-on with RTI submissions to HMRC and a 30-day trial. Its price is not on the pricing page. Auto Bills is included on paid sole trader and property plans and listed as an add-on on Small, Medium, and Large.

Pay bills or run payroll as add-ons

Organisation plans include journals, an audit log, user permissions, and period locks. Reports include profit and loss, balance sheet, cash flow, and trial balance, with CSV or PDF export. The accountant works in this file. There is no QuickBooks Online or Xero sync on the pages opened.

Lock a period and hand the file to an accountant

Clear Books is a UK ledger. Free MTD Income Tax plans exist. Paid plans start at £5/mo plus VAT. VAT filing is not on every plan.

Clear Books Review: UK Ledger, MTD Plans, and VAT Gates

Clear Books

Sole Trader Free

Sole Trader

Sole Trader Plus

Property Free

Property

Foreign Property Free

Foreign Property

Small

Medium

Large

Invoice Ninja is a free invoicing software designed for freelancers and small businesses. It provides tools for invoicing, payments, expenses, time tracking, and project management, allowing users to maintain a clear overview of their financial status. The platform enables users to create professional invoices and quotes quickly, manage client payments, and track business expenses efficiently.

Create beautiful, professional invoices and quotes in seconds.

Invoicing & Quotes

Clients pay directly from their invoice with one click.

Online Payments

Track every billable minute and manage projects with Kanban boards.

Time Tracking & Projects

Track all your business expenses and manage vendors.

Expenses & Vendors

Your clients get their own branded portal to view invoices and make payments.

Client Portal

Free Invoicing Software for Small Business

Free Plan

Conta is an invoicing software designed to help freelancers and small business owners create, send, and manage invoices quickly and efficiently. With a user-friendly interface, Conta allows users to send professional invoices via email, PDF, or WhatsApp, and includes features like automated payment reminders and the ability to track invoices on the go. Conta is free to try for 30 days, making it accessible for startups and small businesses looking to streamline their invoicing process.

Create and send professional invoices in seconds.

Professional Invoicing

Let Conta send reminders to your clients for you.

Automated Payment Reminders

Manage your invoices on the go with the free mobile app.

Mobile App

Send unlimited invoices, quotes, and orders with the Premium plan.

Unlimited Invoices

Recurring Invoices

Free professional invoicing for startups

Standard

Premium

Flowlu is an all-in-one project management and CRM platform designed for small and medium businesses. It offers tools for managing client work, tracking project progress, and handling financial records in one place. Users can create and send invoices, manage budgets, and visualize financial data with ease.

Log payments and expenditures for projects instantly to keep your books accurate.

Expense Tracking

Create and send invoices within seconds, automate billing, and get paid online.

Invoicing

Manage all financial records and plan your budget in one place with visual data insights.

Financial Management

Collaborate on tasks and projects in real-time with chat and comments.

Collaboration Tools

Measure and analyze time spent on each task to improve productivity.

Time Tracking

Flowlu

Free

Essential

Advanced

Ultimate

Gekko is designed specifically for small entrepreneurs, providing an easy-to-use accounting system with all necessary features. Users can manage expenses, scan receipts, create invoices, and track time and trips seamlessly. The Gekko Costs app allows users to digitize receipts effortlessly, eliminating the need for physical storage. Gekko offers a free basic plan with unlimited use, making it accessible for all entrepreneurs.

Scan and manage receipts using the Gekko Costs app, keeping expenses organized.

Receipt Management

Create and send professional invoices and quotations directly from the platform.

Track billable and non-billable hours with a clear overview and integration with calendars.

Connect your bank account for real-time updates on incoming and outgoing payments.

Real-Time Bank Integration

Automatically track business trips using GPS for accurate mileage logging.

Trip Management

Gekko

Gekko Basic

Gekko Premium

Quipu is an all-in-one invoicing and treasury solution designed for freelancers, companies, and bookkeepers. It simplifies the management of invoicing, cash flow, and taxes, allowing users to focus on their core business activities. With features like automated billing processes and real-time cash flow visualization, Quipu helps users make informed financial decisions.

Easily create and send invoices while tracking their status from anywhere.

Automated Invoicing

Synchronize income sources and visualize cash flow with real-time data.

Cash Flow Management

Utilize OCR technology to register invoices quickly and reliably.

Document Digitization

Automatically associate bank movements with corresponding invoices.

Bank Reconciliation

Benefit from auto-completion of tax forms and specialized advisory services.

Tax Management

Quipu

Starter

Harvest helps professional teams track time, bill clients, optimize team time, and measure performance with confidence. It offers features like time tracking, invoicing, expense management, and team management, all in one platform. Over 70,000 companies use Harvest to turn tracked hours into paid invoices.

Log hours your way, on any device with one-click timers, weekly and daily timesheets.

Create polished invoices from tracked time and expenses, with online payment options.

Log expenses per project, attach receipts, and manage reimbursements.

Expense Management

Analyze time spent and project profitability with visual breakdowns.

Reporting

Approve timesheets, see team capacity, and assign people to projects.

Team Management

Harvest

Teams

Enterprise

FreeAgent is designed for small businesses, freelancers, and contractors, providing a comprehensive solution for managing finances with confidence. It offers features like cashflow forecasting, invoicing, payroll, and tax compliance, ensuring users can streamline their administrative tasks and focus on growth. With a user-friendly interface and mobile app, FreeAgent helps users stay on top of their financial position and make informed decisions.

Automated cashflow forecasting to help users project their financial future.

Cashflow Forecasting

Easy-to-use invoicing tools that allow for quick payments and automated reminders.

Fully integrated payroll system that submits Real Time Information directly to HMRC.

Payroll

Generate MTD-compatible VAT returns and file them directly to HMRC.

Tax Compliance

Manage finances on the go with the FreeAgent mobile application.

FreeAgent

Monthly Plan

Introductory Monthly Plan

Annual Plan

Introductory Annual Plan

Wave is a small business software that provides a unified system for accounting, invoicing, payments, and more. It helps users gain financial clarity and stay tax-ready year-round. Designed for small business owners and solopreneurs, Wave simplifies bookkeeping and tax preparation, making it easy to track income, manage cash flow, and create professional invoices.

Track income and expenses, manage cash flow, and access reporting.

No Sweat Accounting

Create beautiful, professional invoices and estimates in just a few clicks.

Easy Invoicing

Allow customers to pay via credit card, bank transfer, or Apple Pay.

Secure Online Payments

Manage payroll for employees and contractors without legal complications.

Painless Payroll

Wave

STARTER Plan

PRO Plan

FreshBooks is an all-in-one accounting software designed for small businesses, freelancers, and solopreneurs. It simplifies invoicing, billing, payments, and payroll, enabling users to manage their finances efficiently. With features like mobile receipt scanning and automated expense categorization, FreshBooks helps users save time and reduce stress during tax season.

Create professional invoices in minutes, automatically add tracked time and expenses, calculate taxes, and customize payment options.

Get paid faster with automated invoices, secure online payments, and built-in reminders.

Bookkeeping and accounting software