- Automated Invoicing: Create and send professional invoices quickly, with options for recurring invoices and automatic payment reminders to streamline billing.
- Bank Feeds Integration: Connect multiple bank accounts to import transactions automatically, enabling real-time cash flow visibility and simplified reconciliation.
- VAT Management: Calculate and submit VAT returns easily, with full compliance for Making Tax Digital (MTD) regulations in the UK.
- Expense Tracking: Record and categorize expenses efficiently, with the ability to attach receipts (PDF or image) for accurate financial records.
- Payroll Integration: Manage payroll for up to 5 employees (included with both Starter and Business plans), including HMRC-compliant RTI submissions and payslip generation.
- Customizable Reports: Generate over 50 detailed financial reports, such as profit & loss, balance sheets, and trial balances, tailored to business needs.
- Multi-Currency Support: Handle transactions in various currencies, ideal for businesses with international clients or suppliers.
- Client Portal Access: Provide clients secure access to view their invoices and statements, enhancing transparency and communication.
- Recurring Billing: Set up automated recurring invoices for regular clients, simplifying subscription-based or repeat billing processes.
- Project Management: Track project costs, profitability, and budgets, with the ability to link invoices and quotes to specific projects.
- Mobile App Availability: Access your accounts on the go with KashFlow’s free mobile app on iOS and Android devices.
- Customizable Dashboard: Personalize the dashboard to display key financial metrics and data, providing a quick overview of business performance.
- Third-Party Integrations: Connect with over 50 apps, including PayPal, Dropbox, and ZohoCRM, for a unified workflow across business tools.
- Secure Data Storage: Protect sensitive financial data with robust security measures, including SSL encryption and regular backups.
- Quotes and Estimates: Create professional quotes that can be converted to invoices with one click, streamlining the sales process.
- Customer and Supplier Management: Manage unlimited clients and suppliers, with detailed logs for invoices, payments, and communications.
- Credit Control: Automate credit control processes with built-in tools to send payment reminders and manage overdue invoices.
- Stock Management: Track inventory levels and integrate stock data with invoicing and purchasing for accurate financial oversight.
KashFlow
KashFlow streamlines accounting, invoicing, payroll, expense tracking, and VAT management for small businesses.
Updated July 27, 2026
KashFlow Overview
KashFlow is a cloud-based accounting software designed for small businesses and freelancers. It simplifies financial management with features like automated invoicing, expense tracking, VAT calculations, and payroll integration. Its user-friendly interface eliminates jargon, enabling easy setup and access from anywhere.
With bank feeds, customizable reports, and secure data storage, KashFlow streamlines bookkeeping, saves time, and ensures compliance, making it ideal for managing finances efficiently.
Key Features
Pricing
| Plan | Monthly Price (GBP, + VAT) | Annual Price (GBP, + VAT) | Key Features / Notes |
|---|---|---|---|
| Starter | £13.50/month | £97 first year for new customers (RRP £162/year) | Single user; unlimited quotes and up to 10 invoices; reconcile up to 25 bank transactions; VAT filing, bank feeds, free mobile app, 50+ reports; payroll for up to 5 employees included. Ideal for sole traders, contractors and small businesses. |
| Business | £27.50/month | £178 first year for new customers (RRP £291.50/year) | Multi user; unlimited invoices, quotes and bank reconciliation; multi-currency; payroll for up to 5 employees included. Ideal for growing businesses and limited companies. |
| Promotions and trial | 90% off for the first 6 months (new customers only) | Discounted first year prices shown above | 14 day free trial of IRIS KashFlow available. |
Pricing source: https://www.kashflow.com/pricing/
Pros
| Competitor | Pros of KashFlow |
|---|---|
| QuickBooks Online | KashFlow’s entry plan costs £13.50/month, close to QuickBooks Online’s smaller plans (£10/month Sole Trader, £16/month Simple Start), and its simple two tier pricing is easier to predict than QuickBooks’ five tiers that climb to £123/month. Its jargon-free, user-friendly interface simplifies accounting for non-accountants, and UK-specific features like Making Tax Digital (MTD) compliance and CIS accounting cater well to British users. KashFlow’s unlimited quotes, secure cloud storage, and over 50 integrations (e.g., PayPal, Dropbox) provide flexibility, while its mobile-optimized interface ensures accessibility without a dedicated app, unlike QuickBooks’ more robust mobile app. |
| Xero | KashFlow’s entry pricing is lower than Xero’s £16-£65/month plans, offering better value for freelancers with limited invoicing needs (10 invoices/month on Starter). Its intuitive dashboard and UK-focused features, such as VAT management and CIS compliance, make it ideal for small UK businesses. KashFlow’s unlimited client management and customizable reports provide robust functionality, while its 24/7 support rivals Xero’s, with added benefits like a 14-day free trial of the top-tier plan. |
| FreshBooks | KashFlow’s lower starting price (vs. FreshBooks’ higher tiers) and unlimited quotes make it more appealing for freelancers on a budget. Its UK-specific compliance tools, like MTD and VAT support, give it an edge for British users over FreshBooks, which focuses more on North American markets. KashFlow’s payroll integration and over 50 reports offer comprehensive functionality, while its mobile-optimized platform ensures accessibility, though FreshBooks has a stronger mobile app. |
| Sage Accounting | KashFlow’s entry-level plan is cheaper than Sage Accounting’s £20-£59/month tiers, making it more accessible for freelancers and startups. Its user-friendly interface requires less setup time than Sage’s more complex system, and features like unlimited quotes, multi-currency support, and CIS accounting cater well to UK small businesses. KashFlow’s 24/7 support and seamless integrations (e.g., ZohoCRM, PayPal) enhance its appeal, with a simpler learning curve than Sage’s robust but intricate platform. |
Cons
| Competitor | Cons of KashFlow |
|---|---|
| QuickBooks Online | KashFlow lacks advanced features like time tracking and 1099 contractor management, which QuickBooks Online includes, limiting its appeal for businesses needing these tools. Its mobile app is more basic than QuickBooks’ robust iOS/Android apps. KashFlow’s interface, though user-friendly, has been criticized for outdated design, and its multi-user functionality is less flexible than QuickBooks’ scalable plans for larger teams. QuickBooks also offers stronger inventory management and broader global appeal. |
| Xero | KashFlow falls short in advanced features like time tracking, inventory management, and end-of-year filings, which Xero provides, making it less suitable for growing businesses. Its mobile platform, while accessible, lacks Xero’s polished app experience and has reported issues like jumbled project creation screens. KashFlow’s integrations (54 apps) are fewer than Xero’s 700+, and its multi-user options need improvement, with occasional slowdowns reported during peak usage. |
| FreshBooks | KashFlow’s lack of time tracking and less intuitive mobile experience compared to FreshBooks’ highly rated apps hinder its appeal for freelancers needing mobility. Its interface design feels less modern, and setup can be complex for some users, unlike FreshBooks’ streamlined onboarding. KashFlow’s integrations, while sufficient, are fewer than FreshBooks’ extensive ecosystem, and it lacks advanced client engagement tools like FreshBooks’ client proposal features. |
| Sage Accounting | KashFlow’s feature set is less comprehensive than Sage Accounting’s, missing advanced inventory tracking and role-based access controls critical for mid-sized teams. Its mobile platform, while functional, lacks Sage’s dedicated app quality, and the interface can feel dated. KashFlow’s payroll is limited to 5 employees, whereas Sage scales better for larger teams. Additionally, KashFlow’s reporting, though customizable, lacks the depth of Sage’s real-time analytics and forecasting tools. |
Reviews
- Trustpilot Review (Rating: 1.2/5): Multiple reviewers warn others to avoid KashFlow after repeated email system failures that left invoices unsent and businesses unsure whether customers received them. One long-term user described it as “the worst accounting software” in 45 years of bookkeeping, citing login problems, disabled “Pay Now” links without notice, double billing issues, and support that “misses the point and obfuscates with irrelevant nonsense.”
- bestreviews.net Review: The mobile experience draws criticism for jumbled data entry bars in the Projects section that require rotating the device to fix, and for the inability to directly add receipts to purchases without manually attaching photos each time.
- G2 Review (Rating: 3.9/5): One financial administrator highlights KashFlow’s “user-centric configuration” that makes invoicing straightforward and applauds the prompt, expert customer support. Another small-business owner values how KashFlow integrates with KashFlows Payroll, enables quick setup, supports online payments, and allows easy data sharing with accountants, though they note limited customization, occasional report discrepancies, and reliance on stable internet connectivity.
