Billy vs FreeAgent Comparison
Compare Billy vs FreeAgent features, pricing, and more.
Last updated: November 2026
Billy
6.1/10
Danish online accounting software for sole traders and small businesses, covering bookkeeping, invoicing, bank reconciliation and VAT filing.
FreeAgent
6.4/10
FreeAgent is UK cloud accounting software for sole traders, limited companies, partnerships, and landlords. It covers invoicing, banking, payroll, and Making Tax Digital filing.
Feature-by-Feature Comparison
| Feature | | |
|---|---|---|
| Scores | ||
| Overall Rating | 6.1/10 | 6.4/10 |
| Analytics | 4/10 | 4/10 |
| Compliance | 7/10 | 8/10 |
| Cost | 8/10 | 8/10 |
| Customization | 4/10 | 4/10 |
| Ease of Use | 7/10 | 8/10 |
| Integration | 6/10 | 6/10 |
| Scalability | 3/10 | 3/10 |
| Security | 5/10 | 6/10 |
| Support | 8/10 | 7/10 |
| Pricing | ||
| Free plan | Yes | No |
| Cheapest paid plan | DKK 160/mo Basic | £10/mo Landlord |
| Estimated cost for 10 users | Free Free | £10/mo Landlord |
| Features | ||
| Accountant Access | ||
| Bank Reconciliation | ||
| Financial Reporting | ||
| General Ledger | ||
| Invoicing | ||
| Multi-currency | ||
| Payroll | ||
| Tax Compliance | ||
| Expense Management | Not listed | |
| Online Payments | Not listed | |
Billy vs FreeAgent cost by team size
| Team size | Billy | FreeAgent |
|---|---|---|
| 1 user | FreeFree | £10/moLandlord |
| 5 users | FreeFree | £10/moLandlord |
| 10 users | FreeFree | £10/moLandlord |
| 25 users | FreeFree | £10/moLandlord |
| 50 users | FreeFree | £10/moLandlord |
The plan that fits each team size, billed monthly, before add-ons and usage charges. Each cost opens that tool's pricing calculator for the team size.
Which One Should You Choose?
Why choose Billy
- Has a free plan (FreeAgent does not)
- Higher Support score (8/10 vs 7/10)
Why choose FreeAgent
- Higher Compliance score (8/10 vs 7/10)
- Higher Ease of Use score (8/10 vs 7/10)
- Better fit for freelancers (10/10 vs 8/10)
Pros & Cons
Billy
Pros
- The free plan includes full bookkeeping and VAT filing, which suits very small businesses.
- Phone, email and chat support runs every day from 7:00 to 22:00, and Trustpilot reviewers often praise it.
- Bank reconciliation works through a bank connection or a CSV upload on every plan.
- Expense data from Pleo goes straight into Billy journals, with VAT codes kept.
Cons
- The free plan is capped at 3 invoices and 10 expense vouchers a month.
- Integrations, reminders, quotes, subscription invoicing and payroll need Plus or higher.
- It is built for Danish compliance, and some guidance is only in Danish.
- Some users report duplicate accounts after reconnecting their bank.
FreeAgent
Pros
- Free for customers with a NatWest, RBS, Ulster Bank, or qualifying Mettle business account.
- Built-in HMRC filing covers MTD VAT, Self Assessment, and MTD for Income Tax, and the limited company plan adds end-of-year filing.
- Reviewers often praise its UK-based phone and chat support.
- Every plan includes time tracking, projects, and invoicing, which suits freelancers who bill by the hour.
- Multi-currency invoicing and foreign-currency bank accounts are supported, with realised and unrealised gains and losses calculated automatically.
Cons
- Reviewers describe invoice templates as basic and say custom reporting is limited.
- Payroll suits only director-only setups or very small teams.
- Its integration ecosystem is smaller than those of Xero or QuickBooks.
- It has no multi-entity consolidation or advanced controls, so it does not scale to larger firms.
- Some users report out-of-date help articles.
Not sold on either?
Frequently Asked Questions
FreeAgent scores higher on our Finance Software criteria: 6.4/10 against 6.1/10 for Billy. The largest gap is in Compliance: 7/10 for Billy and 8/10 for FreeAgent.
Billy has a free plan; FreeAgent does not list one.
FreeAgent is the better fit for freelancers: we rate it 10/10 for them, against 8/10 for Billy.
