The Essential Tech Stack for a UK Startup in 2026

Starting a company in the UK in 2026 is cheaper and easier than ever. But with thousands of tools competing for your attention, knowing what to use (and what to skip) can save you thousands and months of wasted time.

📋 Stage 1: Pre-Seed (£0-£10K)

Incorporation: Companies House Direct (£12, same day)

Banking: Starling or Monzo business accounts (free, quick setup)

Domain & email: Cloudflare Registrar + Google Workspace (£4.80/mo per user)

Productivity: Notion (free) for docs, Linear (free) for issues

CRM: HubSpot free tier — unlimited users and contacts

🚀 Stage 2: Seed (£10K-£100K)

Analytics: PostHog (free self-hosted) or Plausible ($9/mo)

Payments: Stripe for online payments, GoCardless for direct debits

Accounting: FreeAgent (£9.50/mo, includes MTD for VAT)

HR: CharlieHR (free tier for small teams)

Marketing: Mailchimp or Brevo (both have generous free tiers)

📈 Stage 3: Growth (£100K-£1M ARR)

Upgrade to paid plans, add dedicated tools for sales, support, and team management. Consider tools like Salesforce for enterprise sales or Xero for full accounting.

🔍 Full Directory

Browse all 137 verified UK SaaS tools on StackList — compare pricing, read reviews, and find the right stack for your stage.