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FreeAgent is the UK accounting software built specifically for freelancers, contractors, and micro-businesses. It handles Self Assessment, VAT, and MTD in a way designed for non-accountants — the dashboard shows exactly what tax you owe in real time. It's free with NatWest, RBS, and Ulster Bank business accounts; otherwise £19/month. Integrates with Stripe, GoCardless, and PayPal. Fully GDPR compliant with UK hosting. For UK sole traders, FreeAgent is widely considered the friendliest choice, though it's less suited to growing companies with complex stock and payroll.