AI-enhanced accounting tools that automate categorisation, receipt capture, and financial reporting.
Best UI, Hubdoc bundled in.
From £16/mo
Cleanest UI of the major accounting tools and Hubdoc is bundled in handles AI-driven receipt and document capture without extra spend. Xero's bank reconciliation is now genuinely AI-assisted. The default for UK small business.
Most widely-supported by accountants.
From £12/mo
QuickBooks is the most widely-supported accounting tool, which means your accountant probably already uses it. AI categorisation and receipt scanning are built in. Slightly cheaper than Xero.
Cheapest credible option for solo operators.
From £15/mo
Cheapest credible accounting tool for solo operators and very small teams. Lighter than Xero, but enough for invoicing, basic books, and AI receipt capture.
Established UK accounting platform. AI features are behind enterprise tiers; legacy UI but reliable for businesses already using Sage.
Visit Sage →Free invoicing and basic accounting. Weaker AI than competitors but unbeatable on price for very small operators.
Visit Wave →UK-focused affordable option. Light feature set compared to Xero, but the price point is genuinely competitive.
Visit Pandle →Solid for freelancers and small teams in the UK. NatWest customers get it free. Worth checking if you bank with them.
Visit FreeAgent →AI-powered cash-flow forecasting that layers on top of Xero or QuickBooks. Not a replacement, a complement; great for businesses that need real cash visibility.
Visit Float →Browse the rest of the directory or take the assessment for a personalised stack.
The personalised single-winner pick across every capability lives in “Find your stack”. Five minutes, nine questions, no signup.
Find your stack →