Is freee or Soldo better?

Neither clearly leads. freee starts at 980/month and Soldo at £21/month, and user ratings are close enough to be indistinguishable. Choose on capability and platform support.

Which is cheaper, freee or Soldo?

freee starts at 980/month and Soldo at £21/month.

Does freee or Soldo run on more platforms?

freee runs on Web. Soldo runs on Web, iOS, Android.

What is freee best used for?

freee is most often used for filing japanese tax documents electronically each year, calculating payroll and year-end adjustments automatically, creating opening documents without visiting tax office, tracking company expenses across departments centrally. Of those, filing japanese tax documents electronically each year and calculating payroll and year-end adjustments automatically are not what Soldo is typically brought in for.

What can freee do that Soldo cannot?

Soldo covers Prepaid company cards, Card-level budgets, Receipt capture, Accounting export.

Accounting · head to head

freee vs Soldo

freee

Accounting

Japanese integrated cloud accounting software for sole proprietors and corporations

From: 980/month
Rated: -

Full review Website

Soldo

Accounting

Prepaid company card and spend control platform for European businesses

From: £21/month
Rated: -

Full review Website

The short version

Each has a real cost: freee pricing varies significantly across multiple product categories and tiers; Soldo cards are prepaid, so if the central wallet runs low the cards decline in front of a supplier, and treasury has to keep an idle float funded rather than using a credit line.
Prices and features above were last checked on 1 September 2026.

Where they differ

Only the attributes on which freee and Soldo actually diverge.

Attributes where freee and Soldo differ
Attribute	freee	Soldo
Starting price	980/month	£21/month
Pricing model	subscription	Per user per month
Platforms	Web	Web, iOS, Android

Identical on both: free tier (No), 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 freee

Nothing recorded that Soldo does not also cover.

Only in Soldo

Prepaid company cards
Card-level budgets
Receipt capture
Accounting export
Multi-currency wallets
Approval workflows

What people use each for

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

freee

Filing Japanese tax documents electronically each yearnot Soldo
Calculating payroll and year-end adjustments automaticallynot Soldo
Creating opening documents without visiting tax officenot Soldo
Tracking company expenses across departments centrallynot Soldo

Soldo

A construction firm giving site managers fuel and materials cards with hard per-card limitsnot freee
A marketing team issuing virtual cards per subscription so a cancelled tool cannot keep billingnot freee
A UK company that cannot get approved for a credit-based corporate card programmenot freee
A multi-entity European business needing EUR and GBP wallets without conversion on every purchasenot freee

Where each one falls short

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

freee

Pricing varies significantly across multiple product categories and tiers
Some corporate tiers (Advance) reach ¥39,780+/month

Soldo

Cards are prepaid, so if the central wallet runs low the cards decline in front of a supplier, and treasury has to keep an idle float funded rather than using a credit line.
The plan fee covers only three users, and per-user charges plus physical card fees mean the real monthly cost is several times the advertised headline for a team of twenty.
It does not extend credit, so it gives no working capital benefit and no card rewards of the kind US charge card issuers use to offset their cost.
Sole traders and some business types are not accepted, which catches out small consultancies expecting to sign up online.
Coverage is European; a company with US or Asian subsidiaries will need a second card programme and a second expense workflow for them.

Pricing, plan by plan

freee

980/month

freee會計 Starter$980/month
- Individual business owner accounting tier
freee會計 Corporate Solo$2980/month
- Corporate accounting tier
freee人事労務$400/month per employee
- HR and payroll module per-employee pricing
freee勤怠管理$300/month per employee
- Attendance tracking per-employee

Soldo

£21/month

Standard$21/month
- Three users included
- Around £7 per additional user per month
- Physical card issuance fee around £5, virtual around £1
Plus$33/month
- Three users included
- Around £11 per additional user per month
- Advanced approval and multi-currency features
Enterprise$undefined/month
- Quoted pricing
- Custom card volumes and entity structures
- Dedicated account management

Which should you pick?

Choose freee if

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

freee review

Choose Soldo if

You need prepaid company cards.
You work on Web, iOS, Android.
You also want card-level budgets.

Soldo review

Questions people ask

Is freee or Soldo better?: Neither clearly leads. freee starts at 980/month and Soldo at £21/month, and user ratings are close enough to be indistinguishable. Choose on capability and platform support.
Which is cheaper, freee or Soldo?: freee starts at 980/month and Soldo at £21/month.
Does freee or Soldo run on more platforms?: freee runs on Web. Soldo runs on Web, iOS, Android.
What is freee best used for?: freee is most often used for filing japanese tax documents electronically each year, calculating payroll and year-end adjustments automatically, creating opening documents without visiting tax office, tracking company expenses across departments centrally. Of those, filing japanese tax documents electronically each year and calculating payroll and year-end adjustments automatically are not what Soldo is typically brought in for.
What can freee do that Soldo cannot?: Soldo covers Prepaid company cards, Card-level budgets, Receipt capture, Accounting export.

Answered from the vendors’ own pages

freee: What is freee's accounting software pricing?

Individual business owners start at ¥980/month for Starter, while corporate accounting begins at ¥2,980/month for Solo Corp, with prices extending to ¥39,780+/month for Advance plans.

Source

Soldo: Is Soldo a credit card?

No. It is prepaid electronic money. You fund a wallet and cards spend from it, so there is no credit line and no interest-free period.

freee: Does freee charge per employee for HR and payroll?

Yes, freee人事労務 (HR/Payroll) costs ¥400-¥1,100 per employee per month, and freee勤怠管理 (Attendance) costs ¥300 per employee per month.

Source

Soldo: What licence does Soldo hold?

Soldo is authorised as an electronic money institution, including UK, Irish and Italian entities, which is why it can issue cards without a sponsor bank in those markets.

freee: Are there free freee products?

Several freee products are completely free, including freee開業 (Business Opening), freee請求書 (Invoicing), freeeカード (Card), and certain features like payroll rules creation.

Source

Soldo: What does it really cost for twenty users?

Take the plan fee, add the per-user rate for the seventeen users beyond the included three, then add card issuance fees per physical card.

freee: Does freee offer a free trial?

Freee offers a 30-day free trial for its accounting software and provides annual payment discounts on most plans.

Source

freee vs Soldo

freee

Soldo

The short version

Where they differ

What each one covers

Only in freee

Only in Soldo

What people use each for

freee

Soldo

Where each one falls short

freee

Soldo

Pricing, plan by plan

freee

Soldo

Which should you pick?

Choose freee if

Choose Soldo if

Questions people ask

Answered from the vendors’ own pages

Related pages

More on freee

More on Soldo

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