2026 comparison

allwr vs FreeAgent

What FreeAgent does, where it shines, where it falls short and what allwr adds. Comparison for your country.

Cloud accounting for UK freelancers and micro-businesses, based in Edinburgh and owned by NatWest Group. Includes tax, payroll and bank feeds, and the bank gives it away to its customers.

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FreeAgent strengths

End-to-end MTD for Income Tax recognised by HMRC and Self Assessment from the app
RTI payroll included at no extra cost
Free with a NatWest, RBS, Ulster or Mettle account
Support from award-winning UK accountants

Where it falls short

Built for micro-businesses only: no inventory, ERP or HR
Tied to a banking group: non-NatWest customers pay the full subscription
UK only: no coverage for banks or tax in other countries
No predictive treasury, CRM, documents or personal wealth side

Coverage by module

Module	ALL WR	FreeAgent
Banking and reconciliation	Included	Included
Treasury and cash forecasting	Included	Not included
Invoicing and collections	Included	Included
Accounting and tax	Included	Included
Expenses and cards	Included	Not included
Suppliers and payables	Included	Not included
HR and people	Included	Included
Automatic time tracking	Included	Included
Payroll	Included	Not included
CRM and customers	Included	Not included
Documents and e-signature	Included	Not included
Tasks and projects	Included	Not included
Inventory and assets	Included	Not included
Investor reporting and cap table	Included	Not included
Wealth Eye — personal wealth	Included	Not included
AI assistant and MCP server	Included	Not included

Why allwr

allwr includes 11 modules FreeAgent does not cover, with banking connected at the source, local compliance and one price per company, not per user.

Public information gathered in 2026-09. Trademarks belong to their owners. If you spot an error, write to us and we will fix it.

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