Softwr

Accounting · head to head

FreeAgent vs Happay

FreeAgent logo

FreeAgent

Accounting

Accounting software for small businesses and freelancers

From
Free
Rated
-
Full reviewWebsite
Happay logo

Happay

Accounting

Indian travel, expense and corporate card platform, now owned by MakeMyTrip

From
On request
Rated
-
Full reviewWebsite

The short version

  • Only FreeAgent has a free tier, so it costs nothing to try first.
  • Each has a real cost: FreeAgent introductory pricing shown is 50% off the regular rates; Happay the platform has changed owner twice since 2021, from founders to CRED to MakeMyTrip, and each transition has meant leadership churn and roadmap reprioritisation.
  • Prices and features above were last checked on 1 September 2026.

Where they differ

Only the attributes on which FreeAgent and Happay actually diverge.

Attributes where FreeAgent and Happay differ
AttributeFreeAgentHappay
Starting priceFreeOn request
Pricing modelsubscriptionquote
Free tierYesNo
PlatformsWebWeb, iOS, Android

Identical on both: 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 FreeAgent

Nothing recorded that Happay does not also cover.

Only in Happay

  • GST-aware capture
  • Corporate cards
  • Self-booking travel
  • Cash advances
  • Approval matrix
  • Analytics

What people use each for

The jobs each tool is most often brought in to do.

FreeAgent

  • Submitting VAT and Self Assessment tax returns to HMRC directlynot Happay
  • Splitting rental income and expenses across multiple properties automaticallynot Happay
  • Collecting invoice payments faster through one-click payments and remindersnot Happay
  • Capturing bills and receipts via AI to auto-categorize expensesnot Happay
  • Filing Real Time Information payroll directly to HMRC for employeesnot Happay

Happay

  • An Indian enterprise needing GST input credit fields captured at the point of expense submissionnot FreeAgent
  • A company with field sales staff needing rupee prepaid cards with merchant category limitsnot FreeAgent
  • A finance team replacing a spreadsheet-and-email cash advance process with a tracked workflownot FreeAgent
  • An Indian group wanting travel booking and expense from one supplier with domestic content depthnot FreeAgent

Where each one falls short

Documented limitations, not opinions. Every one is a constraint you would hit in normal use.

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)

Happay

  • The platform has changed owner twice since 2021, from founders to CRED to MakeMyTrip, and each transition has meant leadership churn and roadmap reprioritisation.
  • It is now owned by an online travel agency, so the incentive is to grow travel bookings, and expense-only customers are not the strategic centre of the product.
  • Card issuance depends on partner bank relationships, so limits, approval times and product features are constrained by a bank the customer does not choose.
  • Coverage is overwhelmingly India-specific, which makes it unsuitable as a group-wide platform for companies with foreign subsidiaries.
  • Integration depth outside common Indian ERP and accounting systems is thin, and connecting a global SAP instance usually needs bespoke work.

Pricing, plan by plan

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)

Happay

On request
  • Happay$undefined/year
    • Quoted per-user or per-transaction subscription
    • Card programme terms set with the partner bank
    • Travel booking fees separate from expense subscription

Which should you pick?

Choose FreeAgent if

  • You want to start without paying.
FreeAgent review

Choose Happay if

  • You need gst-aware capture.
  • You work on Web, iOS, Android.
  • You also want corporate cards.
Happay review

Questions people ask

Is FreeAgent or Happay better?
Neither clearly leads. FreeAgent starts at Free and Happay at On request, and user ratings are close enough to be indistinguishable. Choose on capability and platform support.
Which is cheaper, FreeAgent or Happay?
FreeAgent has a free tier; the other does not. Paid plans start at Free for FreeAgent and On request for Happay.
Does FreeAgent or Happay run on more platforms?
FreeAgent runs on Web. Happay runs on Web, iOS, Android.
Can I use FreeAgent for free?
Yes. FreeAgent has a free tier, so you can try it without paying. Happay starts at On request.
What is FreeAgent best used for?
FreeAgent is most often used for submitting vat and self assessment tax returns to hmrc directly, splitting rental income and expenses across multiple properties automatically, collecting invoice payments faster through one-click payments and reminders, capturing bills and receipts via ai to auto-categorize expenses. Of those, submitting vat and self assessment tax returns to hmrc directly and splitting rental income and expenses across multiple properties automatically are not what Happay is typically brought in for.
What can FreeAgent do that Happay cannot?
Happay covers GST-aware capture, Corporate cards, Self-booking travel, Cash advances.

Answered from the vendors’ own pages

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.

Source
Happay: Who owns Happay now?

MakeMyTrip. It agreed in November 2024 to acquire the expense management platform, brand and team from CRED, which had bought Happay in 2021.

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.

Source
Happay: Can it be used outside India?

It books international travel for Indian entities, but the expense and card sides are built for Indian tax and banking and do not serve foreign entities well.

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.

Source
Happay: Does Happay issue its own cards?

It issues cards through partner banks rather than under its own banking licence, so card terms follow the partner.

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.

Source
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