Accounting · head to head
Causal vs FreeAgent
Causal
Accounting
Formula-based financial planning and modelling, now sold as Lucanet xP&A
- From
- On request
- Rated
- -
FreeAgent
Accounting
Accounting software for small businesses and freelancers
- From
- Free
- Rated
- -
The short version
- Only FreeAgent has a free tier, so it costs nothing to try first.
- Each has a real cost: Causal causal was acquired by Lucanet on 31 October 2024 and the independent brand has been retired in favour of Lucanet xP&A, so the roadmap, support and pricing you buy are Lucanet’s and not the ones the product built its reputation on.; FreeAgent introductory pricing shown is 50% off the regular rates
- Prices and features above were last checked on 31 August 2026.
Where they differ
Only the attributes on which Causal and FreeAgent actually diverge.
Identical on both: platforms (Web), user rating (Not yet rated), category (Accounting).
What each one covers
Drawn from each product's published feature list. An absence here means we hold no record of it - not that the product lacks it.
Only in Causal
- Variable-based modelling
- Dimensional breakdowns
- Scenario and range inputs
- Actuals integration
- Interactive dashboards
- Version history
- Spreadsheet import
- Workforce and headcount planning
Only in FreeAgent
Nothing recorded that Causal does not also cover.
What people use each for
The jobs each tool is most often brought in to do.
Causal
- A finance team whose three-statement Excel model has become too fragile to change safely before every board meetingnot FreeAgent
- A company that needs to show a range of outcomes rather than a single forecast, with uncertainty modelled directly in the driversnot FreeAgent
- A budget owner outside finance who should adjust hiring or spend assumptions and see the effect without being given edit access to the master spreadsheetnot FreeAgent
- A group already running Lucanet for consolidation and reporting that wants planning on the same platform rather than a separate toolnot FreeAgent
FreeAgent
- Submitting VAT and Self Assessment tax returns to HMRC directlynot Causal
- Splitting rental income and expenses across multiple properties automaticallynot Causal
- Collecting invoice payments faster through one-click payments and remindersnot Causal
- Capturing bills and receipts via AI to auto-categorize expensesnot Causal
- Filing Real Time Information payroll directly to HMRC for employeesnot Causal
Where each one falls short
Documented limitations, not opinions. Every one is a constraint you would hit in normal use.
Causal
- Causal was acquired by Lucanet on 31 October 2024 and the independent brand has been retired in favour of Lucanet xP&A, so the roadmap, support and pricing you buy are Lucanet’s and not the ones the product built its reputation on.
- Self-serve pricing is gone: the old causal.app pricing page now redirects to a Lucanet solution page, so what was a transparent product you could sign up for is an enterprise sales conversation with no published rate.
- The variable-based model is a genuine departure from spreadsheet thinking, so an accountant fluent in Excel must relearn how to express a model, and the team members who could previously all edit the forecast often cannot at first.
- Deep Excel compatibility is limited by design; complex existing workbooks with macros, circular references or heavy lookups do not import cleanly and have to be rebuilt, which turns a tool evaluation into a modelling project.
- Consolidation, statutory reporting and multi-entity currency handling are weaker than in dedicated corporate performance management suites, so a group with several legal entities usually needs Lucanet’s other modules alongside it, raising the real cost well past the planning tool alone.
FreeAgent
- Introductory pricing shown is 50% off the regular rates
- All prices exclude 20% VAT
- Add-ons required for some features (Smart Capture Unlimited £5/month, Amazon integration £6/month)
Pricing, plan by plan
Causal
On request- Lucanet xP&A (formerly Causal)$undefined/year
- Variable-based planning models with dimensions and scenarios
- Actuals integration from accounting, CRM and warehouse sources
- Interactive dashboards for non-finance stakeholders
FreeAgent
Free- Sole Traders$9.5/month
- Introductory rate (regular price £19/month)
- Annual option at £95/year (regular £190)
- Landlords$5/month
- Introductory rate (regular price £10/month)
- Annual option at £50/year (regular £100)
- UK Partnerships/LLPs$13.5/month
- Introductory rate (regular price £27/month)
- Annual option at £135/year (regular £270)
- UK Limited Companies$16.5/month
- Introductory rate (regular price £33/month)
- Annual option at £330/year (regular £330)
Which should you pick?
Choose Causal if
- You need variable-based modelling.
- You also want dimensional breakdowns.
Questions people ask
- Is Causal or FreeAgent better?
- Neither clearly leads. Causal starts at On request and FreeAgent at Free, and user ratings are close enough to be indistinguishable. Choose on capability and platform support.
- Which is cheaper, Causal or FreeAgent?
- FreeAgent has a free tier; the other does not. Paid plans start at On request for Causal and Free for FreeAgent.
- Does Causal or FreeAgent run on more platforms?
- Both run on Web, so platform support will not decide this one for you.
- Can I use FreeAgent for free?
- Yes. FreeAgent has a free tier, so you can try it without paying. Causal starts at On request.
- What is Causal best used for?
- Causal is most often used for a finance team whose three-statement excel model has become too fragile to change safely before every board meeting, a company that needs to show a range of outcomes rather than a single forecast, with uncertainty modelled directly in the drivers, a budget owner outside finance who should adjust hiring or spend assumptions and see the effect without being given edit access to the master spreadsheet, a group already running lucanet for consolidation and reporting that wants planning on the same platform rather than a separate tool. Of those, a finance team whose three-statement excel model has become too fragile to change safely before every board meeting and a company that needs to show a range of outcomes rather than a single forecast, with uncertainty modelled directly in the drivers are not what FreeAgent is typically brought in for.
- What can Causal do that FreeAgent cannot?
- Causal covers Variable-based modelling, Dimensional breakdowns, Scenario and range inputs, Actuals integration.
Answered from the vendors’ own pages
Causal: Does Causal still exist?
The product does, as Lucanet xP&A. The independent Causal brand and self-serve offering have been retired following the October 2024 acquisition.
FreeAgent: Does FreeAgent offer a free option?
FreeAgent is free for qualifying customers maintaining business accounts with NatWest, Royal Bank of Scotland, Ulster Bank, or certain Mettle accounts.
SourceCausal: What does it cost now?
Nothing is published. The former pricing page redirects to Lucanet, and the product is quoted as part of the Lucanet CFO Solution Platform.
FreeAgent: What is FreeAgent's pricing for sole traders?
Sole traders pay £9.50/month (50% introductory rate; regular £19/month), or £95/year annually (regular £190/year), excluding 20% VAT.
SourceCausal: Can I import my existing Excel model?
Simple workbooks import. Models with macros, circular references or heavy lookup chains have to be rebuilt around named variables, which is the real migration cost.
FreeAgent: What add-ons does FreeAgent offer?
Optional add-ons include Smart Capture Unlimited at £5/month and Amazon integration at £6/month, allowing customers to extend base plan functionality.
SourceCausal: Is it a replacement for a consolidation tool?
No. It plans and forecasts. Statutory consolidation and multi-entity reporting sit in Lucanet’s other modules.
FreeAgent: Does FreeAgent offer a trial?
FreeAgent provides a 30-day free trial with no commitment, and customers can cancel at any time during or after the trial period.
SourceRelated pages
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