Is FreeAgent or Navan better?

Neither clearly leads. FreeAgent starts at Free and Navan at Free, and user ratings are close enough to be indistinguishable. Choose on capability and platform support.

Which is cheaper, FreeAgent or Navan?

FreeAgent starts at Free and Navan at Free.

Does FreeAgent or Navan run on more platforms?

FreeAgent runs on Web. Navan runs on Web, iOS, Android, API.

Can I use FreeAgent for free?

Both have a free tier, so you can try either at no cost before committing.

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 Navan is typically brought in for.

Accounting · head to head

FreeAgent vs Navan

FreeAgent

Accounting

Accounting software for small businesses and freelancers

From: Free
Rated: -

Full review Website

Navan

Accounting

AI-powered corporate travel and expense management with integrated corporate card

From: Free
Rated: -

Full review Website

The short version

Each has a real cost: FreeAgent introductory pricing shown is 50% off the regular rates; Navan enterprise pricing requires quote request; no transparency on true per-user or per-transaction costs
Prices and features above were last checked on 29 August 2026.

Where they differ

Only the attributes on which FreeAgent and Navan actually diverge.

Attributes where FreeAgent and Navan differ
Attribute	FreeAgent	Navan
Pricing model	subscription	freemium
Platforms	Web	Web, iOS, Android, API

Identical on both: starting price (Free), free tier (Yes), user rating (Not yet rated), category (Accounting).

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 Navan
Splitting rental income and expenses across multiple properties automaticallynot Navan
Collecting invoice payments faster through one-click payments and remindersnot Navan
Capturing bills and receipts via AI to auto-categorize expensesnot Navan
Filing Real Time Information payroll directly to HMRC for employeesnot Navan

Navan

Mid-market and enterprise companies automating travel and expense workflowsnot FreeAgent
Organisations seeking to reduce travel costs through policy enforcement and AI-driven discountsnot FreeAgent
Teams utilising corporate card programmes for spend tracking without receipt capture overheadnot FreeAgent
Global enterprises requiring multi-currency support and ERP integrationnot FreeAgent
Companies where employee autonomy is prioritised; AI assistant enables self-service booking and policy compliancenot 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)

Navan

Enterprise pricing requires quote request; no transparency on true per-user or per-transaction costs
Expense management charges apply beyond 5 users, increasing per-user costs for larger teams
Corporate card programmes (Navan Card, Connect) complicate adoption by requiring banking integration
AI assistant (Navan Edge) lacks transparency on data handling; unclear whether conversation data is retained for model training
Limited EMEA coverage; emerging market travel inventory less comprehensive than global GDS systems

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)

Navan

Free

Navan BusinessFree
- Unlimited flight, hotel, train, rental car bookings
- Global inventory across 178+ countries
- 24/7 travel support
Navan Business (Expense add-on)$15/month
- Additional expense management users (beyond 5 free)
- Receipt scanning and categorisation
- ERP integration (30+ connectors)
Navan EnterpriseFree
- Custom pricing
- Dedicated account management
- Negotiated corporate rates

Which should you pick?

Choose FreeAgent if

You want to start without paying.

FreeAgent review

Choose Navan if

You want to start without paying.
You work on Web, iOS, Android, API.

Navan review

Questions people ask

Is FreeAgent or Navan better?: Neither clearly leads. FreeAgent starts at Free and Navan at Free, and user ratings are close enough to be indistinguishable. Choose on capability and platform support.
Which is cheaper, FreeAgent or Navan?: FreeAgent starts at Free and Navan at Free.
Does FreeAgent or Navan run on more platforms?: FreeAgent runs on Web. Navan runs on Web, iOS, Android, API.
Can I use FreeAgent for free?: Both have a free tier, so you can try either at no cost before committing.
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 Navan is typically brought in for.

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

Navan: Is Navan's travel booking free?

Yes. Navan Business travel bookings are free, supported by supplier commissions. Expense management is free for the first 5 users monthly; additional users cost £15/month each.

Source

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

Navan: What is Navan Edge?

Navan Edge is an AI travel assistant integrated into chat that handles flight, hotel, and restaurant enquiries, provides recommendations, processes cancellations and rebookings, and escalates to human support 24/7.

Source

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

Navan: Does Navan integrate with our ERP system?

Yes. Navan provides 30+ pre-built ERP connectors (SAP, Oracle, NetSuite, etc.) and REST APIs for real-time spend sync and invoice reconciliation.

Source

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

FreeAgent vs Navan

FreeAgent

Navan

The short version

Where they differ

What people use each for

FreeAgent

Navan

Where each one falls short

FreeAgent

Navan

Pricing, plan by plan

FreeAgent

Navan

Which should you pick?

Choose FreeAgent if

Choose Navan if

Questions people ask

Answered from the vendors’ own pages

Related pages

More on FreeAgent

More on Navan

Keep looking

Other head to heads