Softwr

Accounting · head to head

FreeAgent vs RazorpayX

FreeAgent logo

FreeAgent

Accounting

Accounting software for small businesses and freelancers

From
Free
Rated
-
Full reviewWebsite
RazorpayX logo

RazorpayX

Accounting

Indian all-in-one business banking suite for payouts, current accounts and payroll

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; RazorpayX pricing is not shown as a single table; the vendor states subscription fees vary by product and usage type and directs buyers to check each product page individually rather than one price list

Where they differ

Only the attributes on which FreeAgent and RazorpayX actually diverge.

Attributes where FreeAgent and RazorpayX differ
AttributeFreeAgentRazorpayX
Starting priceFreeOn request
Pricing modelsubscriptionusage-based
Free tierYesNo

Identical on both: platforms (Web), 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 RazorpayX
  • Splitting rental income and expenses across multiple properties automaticallynot RazorpayX
  • Collecting invoice payments faster through one-click payments and remindersnot RazorpayX
  • Capturing bills and receipts via AI to auto-categorize expensesnot RazorpayX
  • Filing Real Time Information payroll directly to HMRC for employeesnot RazorpayX

RazorpayX

  • Auto-filing payroll taxes across 28 states with ESIC integrationnot FreeAgent
  • Processing bulk vendor payments with integrated approval workflowsnot FreeAgent
  • Issuing corporate cards for employee expense managementnot FreeAgent
  • Disbursing loans in 10 seconds for lending platformsnot FreeAgent
  • Reducing COD refund processing from days to under 2 hoursnot 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)

RazorpayX

  • Pricing is not shown as a single table; the vendor states subscription fees vary by product and usage type and directs buyers to check each product page individually rather than one price list
  • Only basic features are free; usage-based subscription fees apply on top for the payouts, payroll and card products, without a headline figure on the main page

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)

RazorpayX

On request

No published plan breakdown. See the RazorpayX review.

Which should you pick?

Choose FreeAgent if

  • You want to start without paying.
FreeAgent review

Choose RazorpayX if

Nothing in the data separates RazorpayX from FreeAgent on the points above - pick on price and on how each one feels to use.

RazorpayX review

Questions people ask

Is FreeAgent or RazorpayX better?
Neither clearly leads. FreeAgent starts at Free and RazorpayX at On request, and user ratings are close enough to be indistinguishable. Choose on capability and platform support.
Which is cheaper, FreeAgent or RazorpayX?
FreeAgent has a free tier; the other does not. Paid plans start at Free for FreeAgent and On request for RazorpayX.
Does FreeAgent or RazorpayX 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. RazorpayX 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 RazorpayX 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
RazorpayX: What is RazorpayX's pricing model?

RazorpayX operates on a freemium model where basic features are free but subscription-based fees apply depending on the specific product and usage type.

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
RazorpayX: How much does RazorpayX cost?

Specific RazorpayX pricing is not disclosed on the public website. Individual product pricing varies. Users must visit the main Pricing page or contact sales for rates.

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
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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