FreeAgent vs Sage 50 Accounts
Verified ratings, real UK pricing and the compliance detail, weighed side by side — with a written verdict at the end.
FreeAgent
Accounting Software
- United Kingdom
- Phone
- Knowledge Base
- Forum
Sage 50 Accounts
Accounting Software
- United Kingdom
- Ireland
- Phone
- Live Chat
- Knowledge Base
- Forum
Sage 50 Accounts leads on verified reviews by 0.1 of a point — 4.2 against 4.1 for FreeAgent.
The short version
What each one costs and how each one rates, side by side. Only the rows where leading means something are marked; vendor and availability are in the overview above.
| Detail | FreeAgent | Sage 50 Accounts |
|---|---|---|
| What it costs | ||
| Starting priceLowest paid tier, excluding VAT | £19/mo | £115/mo |
| Free version | YesYes | NoNo |
| Free trial | YesYes | YesYes |
| How it rates | ||
| Overall ratingMean of verified Assaylist reviews | 4.1 | 4.2 |
| Verified reviewsVolume is evidence, not a score — this row is not a contest | 297 reviews | 201 reviews |
Highlighted where one clearly leads. Rows without a highlight are not a contest.
How reviewers score them
Across the four dimensions we ask every reviewer about — and, below, the star split each average is built from.
- FreeAgent
- Sage 50 Accounts
| Dimension | FreeAgent | Sage 50 Accounts | Gap |
|---|---|---|---|
| Ease of use | 4.0 | 4.1 | 0.1 to Sage 50 Accounts |
| Value for money | 4.0 | 4.0 | Level |
| Customer support | 4.0 | 4.1 | 0.1 to Sage 50 Accounts |
| Functionality | 4.0 | 4.0 | Level |
What each average is made of
Two products can share an average and not share a reputation. These bars show the star split behind each score.
| Product | 5 star | 4 star | 3 star | 2 star | 1 star |
|---|---|---|---|---|---|
| FreeAgent | 42% (126 reviews) | 32% (96 reviews) | 16% (49 reviews) | 7% (20 reviews) | 2% (6 reviews) |
| Sage 50 Accounts | 43% (86 reviews) | 39% (78 reviews) | 12% (25 reviews) | 4% (9 reviews) | 1% (3 reviews) |
Feature by feature
Everything either vendor publishes, split into what separates them and what they share.
- Both products
- 14%
- Only FreeAgent
- 1348%
- Only Sage 50 Accounts
- 1348%
27 features listed across both products.
What only one of them does
FreeAgent
13- Bank feeds
- CIS support
- Corporation Tax tracking
- Director Self Assessment
+ 9 more in the table below
Sage 50 Accounts
13- Advanced stock management
- AI document capture
- Automatic bank reconciliation
- Bespoke reporting
+ 9 more in the table below
Showing 27 of 27 features
| Detail | FreeAgent | Sage 50 Accounts |
|---|---|---|
| Where they differ · 26 | ||
| Bank feeds | YesYes | NoNo |
| CIS support | YesYes | NoNo |
| Corporation Tax tracking | YesYes | NoNo |
| Director Self Assessment | YesYes | NoNo |
| Dividend documentation | YesYes | NoNo |
| Expense and mileage tracking | YesYes | NoNo |
| Invoicing and estimates | YesYes | NoNo |
| Mobile app | YesYes | NoNo |
| MTD for Income Tax | YesYes | NoNo |
| Payroll | YesYes | NoNo |
| Radar business insights | YesYes | NoNo |
| Tax timeline with amounts and deadlines | YesYes | NoNo |
| Time tracking | YesYes | NoNo |
| Advanced stock management | NoNo | YesYes |
| AI document capture | NoNo | YesYes |
| Automatic bank reconciliation | NoNo | YesYes |
| Bespoke reporting | NoNo | YesYes |
| Departments and budgets | NoNo | YesYes |
| Fixed asset register | NoNo | YesYes |
| Foreign currency invoicing | NoNo | YesYes |
| MTD for Income Tax Self Assessment | NoNo | YesYes |
| Multi company reporting | NoNo | YesYes |
| Project costing | NoNo | YesYes |
| Sage Copilot | NoNo | YesYes |
| Sales and purchase order processing | NoNo | YesYes |
| Supplier payments | NoNo | YesYes |
| Where they match · 1 | ||
| Making Tax Digital for VAT | YesYes | YesYes |
A dash means the vendor has not published a feature list — which is not the same as the feature being unavailable.
How they handle UK obligations
Checked against the vendor's own documentation or HMRC's published list. A dash means we have not verified it — never that it is missing.
| Detail | FreeAgent | Sage 50 Accounts |
|---|---|---|
| Verified against vendor documentation | ||
| HMRC-recognised for MTD for VAT | YesYes | YesYes |
| HMRC-recognised for MTD for ITSA | YesYes | YesYes |
| Making Tax Digital ready | YesYes | YesYes |
| RTI-compliant payroll | YesYes | Not listedNot listed |
| CIS support | YesYes | YesYes |
| Open Banking bank feeds | YesYes | YesYes |
| Data residency | United Kingdom | Not stated |
| UK-based support | UK based support team | Telephone support from Sage UK |
What each tier costs
Both line-ups on one ladder, so the middle tier on one side sits next to the middle tier on the other.
FreeAgent
Sage 50 Accounts
Free with NatWest, RBS, Ulster or Mettle
FreeLower
- Full product, not a limited version
- For as long as you hold the account
- Mettle requires one transaction a month
Sage 50 Accounts Standard
£115/mo
- 2 standard users included
- MTD for VAT and Income Tax
- Automated expense management
Sole trader
£19/moLower
- Self Assessment preparation
- MTD for Income Tax
- Invoicing and expenses
Sage 50 Accounts Professional
£234/mo
- Everything in Standard
- Sales and purchase orders
- Fixed asset register
Limited company
£33/mo
- Corporation Tax tracking
- Dividend documentation
- Director Self Assessment
No comparable tier listed
Rungs are matched by position in each vendor’s own line-up, not by what the tiers include — an entry plan on one side may cover more than the other. Prices exclude VAT unless stated, and per-seat plans are quoted per seat. Always confirm on the vendor’s own site.
Which should you choose?
Two answers, because there are two right ones depending on what you need.
Choose FreeAgent if
- It costs less to get started — £19/mo against £115/mo.
- There is a free tier you can stay on, which Sage 50 Accounts does not offer.
- It lists 13 features Sage 50 Accounts does not, including bank feeds.
- It covers more of the UK obligations we check — 7 of them against 5.
Choose Sage 50 Accounts if
- It lists 13 features FreeAgent does not, including advanced stock management.
On verified Assaylist reviews, Sage 50 Accounts currently rates 4.2 against 4.1 for FreeAgent. That gap is not the whole story: FreeAgent starts at £19/mo and Sage 50 Accounts at £115/mo, so the right answer depends on the tier you actually need and on which one handles your UK obligations. Read both profiles before you commit, and confirm current pricing on the vendor's own site.
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