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Accounting · head to head

IRIS KashFlow vs Pennylane

IRIS KashFlow logo

IRIS KashFlow

Accounting

Online accounting software for UK sole traders and small businesses

From
£13.5/month
Rated
-
Full reviewWebsite
Pennylane logo

Pennylane

Accounting

French tool combining business finances, accounting and a pro account in one platform

From
On request
Rated
-
Full reviewWebsite

The short version

  • Each has a real cost: IRIS KashFlow advertised monthly prices of £1.35 (Starter) and £2.75 (Business) are a 90% promotional discount off the standard £13.50 and £27.50 rates, and the promotion is described as lasting 6 months before reverting; Pennylane no pricing is displayed on the homepage or linked pricing page; visitors are directed only to a Demarrer maintenant (Start now) signup flow with no published EUR figure
  • Prices and features above were last checked on 29 August 2026.

Where they differ

Only the attributes on which IRIS KashFlow and Pennylane actually diverge.

Attributes where IRIS KashFlow and Pennylane differ
AttributeIRIS KashFlowPennylane
Starting price£13.5/monthOn request
Pricing modelsubscriptionquote

Identical on both: free tier (No), 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.

IRIS KashFlow

  • business accountingnot Pennylane
  • invoicing and billingnot Pennylane
  • VAT managementnot Pennylane

Pennylane

  • Automated invoicing with payment reminders and collectionsnot IRIS KashFlow
  • Real-time cash flow visibility and financial forecastingnot IRIS KashFlow
  • Employee expense management with card controls and workflowsnot IRIS KashFlow
  • Automated supplier invoice payment processingnot IRIS KashFlow
  • Mandatory e-invoicing compliance (France September 2026)not IRIS KashFlow

Where each one falls short

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

IRIS KashFlow

  • Advertised monthly prices of £1.35 (Starter) and £2.75 (Business) are a 90% promotional discount off the standard £13.50 and £27.50 rates, and the promotion is described as lasting 6 months before reverting
  • Listed prices are in GBP plus VAT, and the platform's plans are built around UK VAT filing rather than other tax regimes
  • Annual pricing is quoted at RRP £162/year (Starter) and £291.50/year (Business) before the same promotional reduction

Pennylane

  • No pricing is displayed on the homepage or linked pricing page; visitors are directed only to a Demarrer maintenant (Start now) signup flow with no published EUR figure
  • The product bundles accounting, invoicing and a business bank account together, so buyers cannot subscribe to only one function

Pricing, plan by plan

IRIS KashFlow

£13.5/month
  • Starter Monthly$13.5/month
    • 10 invoices
    • up to 25 bank transactions
    • single user access
  • Business Monthly$27.5/month
    • unlimited invoices
    • unlimited bank transactions
    • multi-user access
  • Starter Annual$162/year
    • 10 invoices
    • up to 25 bank transactions
    • single user access
  • Business Annual$291.5/year
    • unlimited invoices
    • unlimited bank transactions
    • multi-user access

Pennylane

On request

No published plan breakdown. See the Pennylane review.

Which should you pick?

Choose IRIS KashFlow if

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

IRIS KashFlow review

Choose Pennylane if

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

Pennylane review

Questions people ask

Is IRIS KashFlow or Pennylane better?
Neither clearly leads. IRIS KashFlow starts at £13.5/month and Pennylane at On request, and user ratings are close enough to be indistinguishable. Choose on capability and platform support.
Which is cheaper, IRIS KashFlow or Pennylane?
IRIS KashFlow starts at £13.5/month and Pennylane at On request.
Does IRIS KashFlow or Pennylane run on more platforms?
Both run on Web, so platform support will not decide this one for you.
What is IRIS KashFlow best used for?
IRIS KashFlow is most often used for business accounting, invoicing and billing, vat management. Of those, business accounting and invoicing and billing are not what Pennylane is typically brought in for.

Answered from the vendors’ own pages

IRIS KashFlow: What are IRIS KashFlow's core features across all plans?

All IRIS KashFlow plans include unlimited quotes, online VAT submission, mobile app access, 50+ reports, bank feeds, receipt capture, multi-currency support, and payroll for up to 5 employees.

Source
Pennylane: What financial processes does Pennylane help automate?

Pennylane streamlines multiple financial functions including invoice creation, expense management, payment collection, and receipt documentation. The platform centralizes data from facturation, purchasing, treasury, and accounting in one unified system.

Source
IRIS KashFlow: Are there promotional discounts for new IRIS KashFlow customers?

Yes, new customers receive a 90% discount for 6 months on both Starter and Business monthly plans.

Source
Pennylane: Can Pennylane help with corporate spending control?

Yes. Pennylane provides corporate cards for employees with built-in spending controls and authorization workflows, allowing businesses to manage team expenses while maintaining visibility and approval requirements.

Source
IRIS KashFlow: Can multiple users access IRIS KashFlow on the Starter plan?

No, the Starter plan is limited to single-user access only. Multi-user access requires the Business plan.

Source
Pennylane: Does Pennylane provide real-time financial visibility?

Yes. Pennylane's unified dashboard provides live transaction visibility and real-time cash flow monitoring across the entire business, helping teams access financial data instantly.

Source
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