FreeAgent is a cloud accounting platform with a monthly subscription, built for freelancers and small businesses. CashFlow covers the part most freelancers actually use — income versus expenses, net profit and a tax set-aside — in one offline web page. No account, pay once.
FreeAgent is a solid, UK-focused cloud accounting platform — strong on Self Assessment (UK), invoicing, expenses and bank feeds, with a monthly subscription and an account that holds your financial data.
CashFlow is the lighter alternative for freelancers who mainly want to know where the money went. Log income and expenses, see net profit, get a category breakdown and a tax set-aside reminder — all offline, all in your browser with nothing uploaded. Pay $12 once and own it.
| FreeAgent | CashFlow | |
|---|---|---|
| Pricing model | Monthly subscription | Free version + one-time $12 Pro |
| Account required | Yes | No account, ever |
| Where your data lives | FreeAgent cloud | Only in your browser (local) |
| Bank-feed reconciliation | Yes | No |
| Income vs expenses | Yes | Yes, with net profit |
| Tax set-aside helper | No | Yes, built-in |
| Self Assessment prep (UK) | Yes | No |
| Works fully offline | No | Yes, zero network requests |
FreeAgent plans and features change over time — check their site. CashFlow does not do bank feeds, tax filing, or provide tax advice.
Income minus expenses, updated as you type.
Set your rate and see how much to hold back each month.
See where the money goes, with a monthly chart.
Open in Excel or hand to your accountant.
Zero network requests — works anywhere.
Pay $12 once, not every month.
If you need UK Self Assessment preparation, bank-feed reconciliation, multi-currency accounting or a setup your accountant manages, FreeAgent is well worth its subscription. CashFlow is the simple offline way to track income, expenses and tax set-aside — not a filing-ready accounting platform and not tax advice.
No bank linking or setup — open the tracker and log this month in minutes. Get the single tool for $12, or all five in the $39 Freelance Tools Suite.
Part of a set of five offline, no-subscription tools that share a CSV format:
Income, expenses, profit, tax set-aside. No account, nothing uploaded.