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Free Online Accounting Software

Free accounting software

When free means free!

Unbelievably powerful, super easy to use free accounting software for small businesses.

What’s the catch? There is no catch! Crunch Free is completely Free, forever!

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Compare Crunch to the competition...
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We cover it all!

Don’t get stuck with accounting software that only does one thing. Whether you are a sole trader, an individual needing a Self Assessment or a limited company, Crunch Free can easily handle all of them!

We’re passionate about empowering Britain’s self-employed, and our easy-to-use free accounting software for small businesses makes it easy to send your invoices and keep track of your expenses. You’ll wonder how you ever lived without it!

Invoicing

Unlimited Free Invoices

Get paid faster with Crunch invoicing.

Easily send the invoice the second you’ve won the business. Our mobile friendly application works on any device.

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Super Slick Quotes

Quotations are far more powerful than you imagine. Your customers are much more likely to take your product or services if they receive one.

Get a quote done in a flash, wherever you are on whatever device you have!

screenshot of invoices on desktop

Online Payments

Get paid even faster with our upcoming online payments service. 

Super cost effective for you, unlike many of the competition’s high transaction fee services. Your customers will love the ease of paying you and you’ll love the speed of getting paid!

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Expenses

Unlimited Free Expenses

Automated expense recording that is so intuitive it knows the right VAT rate to set automatically!

Our free accounting software for the self-employed will help get you organised as you start to grow your business.

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Receipt Scanning

Free receipt scanning as well? Absolutely!

We wanted to ensure that our free accounting software could be used to run your small business without any annoying fees popping up. So to help you capture every single expense to keep your tax bill as low as possible, we bundled this in.

Find the app in the Apple App Store or the Android Play store. As well as this, you get your own receipt email address so you can send your own snaps or scan emailed invoices or receipts in seconds!

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Dedicated Mileage App

This snazzy little optional app from our partners at Tripcatcher is brilliant for automatically capturing all of your business mileage expenses. 

Tripcatcher comes as standard on our Pro, Premium, and Small Business packages.

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Banking

Free Open Banking

Open Banking is amazing. With our free accounting software for the self-employed, you can connect to your business bank account in seconds - directly, securely, and super fast. Your bank statements will breeze into your Crunch account automatically, all for free!

While other free software charges for Open Banking feeds, we wanted to really be free, not fake free! We already connect directly to most high street banks and we have a massive plan to keep connecting.

If your bank isn’t connected yet, we offer a Bank Statement Upload, which is super easy to use.

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Bank Reconciliation

Bank reconciliation sounds intense doesn’t it? Not so with Crunch Free, which makes reconciliation a breeze. 

To be uber organised, you can use our accounting and bookkeeping software to reconcile every month or do it quarterly. Once you have, you’ll feel fantastic and you’ll be able to see your business clearly - 100% accurate!

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CSV Statements Upload

Don’t worry if we don’t link with your bank yet – you’ll still be able to upload your statements into your Crunch account through our easy Bank (CSV) Statement Uploads.

With our free accounting software for small businesses, you can upload CSV files from any major UK bank you like!

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Tax & VAT

VAT Submission

Add-on £3.50 per month

All VAT registered businesses can file their VAT returns every quarter through our free accounting software for just £3.50+VAT a month!

The Crunch Free VAT add-on can simplify your returns, automate calculations, and keep you compliant with HMRC’s Making Tax Digital legislation! 

Our intuitive software will automatically include VAT in all relevant invoices, too, no matter whether you’re on a Flat Rate or Standard Rate - sounds like a no-brainer, right?

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Self Assessment Filing

Do you need to file a Self Assessment tax return for HMRC? If so, we can come to your rescue!

This is where Crunch’s unique software and service model shows it’s brilliance: for a simple one-off fee, our expert Chartered Certified Accountants will prepare your tax return, make sure you’re paying the right amount of tax, and automatically file your return once you’ve signed it off!

Priced at £95+VAT, rising to £200+VAT as we get closer to the January 31st deadline, the earlier you file, the more money and stress you save.

Crunch Self Assessment is included in our Crunch Sole Trader Pro, Limited Company Premium, and Small Business packages.

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Support

Crunch Community Forum

Got a question about Crunch Free? Can’t find the answer in our dedicated Crunch Free Help Centre? Why not try the Community Forum!

Chat to fellow Crunch users, get your questions answered, and let us know what you’d like to see added to Crunch Free in the future.

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Ask An Accountant

Need an expert opinion but don’t want to sign up to an accountant properly? Book a call with our one Chartered Certified Accountants and get your questions answered! Whether they be about the complexities of tax, or simply how to pay yourself tax-efficiently, we’ve got you covered! You’ll get a detailed report afterwards with all that we’ve discussed.

It’s only £19.50+VAT one off and you’ll get this refunded in 30 days if you upgrade to Pro, Premium or Small Business.

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Endlessly upgradable!

Try Crunch Free today.
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Compare Crunch with the competition.

No one even comes close!

No one else offers a completely free platform like Crunch. Every other competitor only offers a free short term trial and then you have to pay a monthly for their software and find and pay for a separate accountant!

With our free accounting software for the self-employed you get all this for free forever. If you want support from real accountants we’re a simple, affordable upgrade away.

Crunch
Quickbooks
Xero
Sage
Coconut
Free
Simple Start
Starter
Starter
Sidehustle
Monthly cost +VAT
Free forever
£12
£12
£12
£3.60
Saving with Crunch Free
£144
£144
£144
£43.30
For Sole Trader
For Limited Companies
Support
Unlimited Phone
Unlimited Email / Cases
Community forum
Ask an accountant service
+ £19.50 + VAT
Invoicing
Send Invoices
20 per month
3 per month
Online Payment
Coming soon
Quotes
Expenses
Record Expenses
5 per month
Limited
Scan Receipts
Dedicated Mileage App
Banking
Bank Feeds
CSV Statement Upload
Bank Reconcilliation
Tax
VAT Submission
+ £3.50pm + VAT
Self Assessment Filing
+ £95/£200 + VAT*
*  Crunch provides software + service so this is checked and filed by an accountant
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It just adds up.

Whilst there are bigger players in the market, we know what we’re good at. We‘ve built Crunch from the ground up for the UK market. We love our customers and we want to see them grow without the high costs of accounting software and accountancy fees - which is why we’ve built Crunch Free to help you get going or do it yourself.

No one else does this.

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We are the only online accounting company to offer a fully free accounting software app
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We offer features and functions you don’t get even on paid monthly software
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Only Crunch offer free accounting software for Limited and Small Businesses
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None of our competitors offer qualified accountants in house

The only truly free accounting software

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Frequently asked questions

What is online accounting software?

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Online accounting software allows small business owners, sole traders, and limited company directors to manage their business finances in a secure and organised online system. Through online accounting software, you can track and automate your invoices and expenses, check your finances anytime, anywhere, and even file your tax returns.

How does online accounting software work?

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It’s simpler than you might think! Once you’ve signed up to one of Crunch’s software packages, you’ll be able to log into your account. From there, you can set up your company’s basic information, recurring invoices and expenses, connect your business bank account through a secure Open Banking feed, and much, much more. 

If you ever need any assistance with your accounting software, you can visit our handy Help Centre for all the guides and support you need, or if you’re on a paid package (such as Pro or Premium), you can call or email your team of Chartered Certified Accountants for help.

Why should I use online accounting software?

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Online accounting software can dramatically improve your organisation and simplify your tax responsibilities. Through handy add-ons like our Snap app, for example, you can streamline the process even further by simply taking a picture of your receipts and uploading them directly to your account. 

Thanks to the government’s Making Tax Digital (MTD) scheme, you’re also legally required to file certain tax returns via online accounting software. This currently applies to returns such as VAT, but will soon extend to Income Tax, Corporation Tax, and potentially more.

How many businesses use online accounting software in the UK?

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It’s hard to know for sure how many businesses in the UK are using online accounting software, but here’s what we do know: here at Crunch, we have an active client base of over 10,000 small business owners on our paid Crunch packages, and thousands more on our forever-free Crunch Free package.

As we’ve mentioned, though, every business will need to use online accounting software as more tax returns become subject to MTD regulations.

How do I use online accounting software?

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When it comes to online accounting software, the golden rule is that you get out what you put in. Online software can help you stay organised and file your tax returns earlier and more accurately than ever, but if you don’t update it frequently, you’re setting yourself up for a fall.

Once you’ve signed up to a Crunch account, the best working practice is to carve out time every day or week, depending on your schedule, to update your account with all of your latest expenses and records. The better your record-keeping, the greater the benefits of online accounting software!

What is the best online accounting software for working from home?

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Well that depends! All of our packages come with our market-leading online software, so in this instance, it would all boil down to whether you’re a limited company or a sole trader, and how big your operation is.

In this instance, we’d recommend giving our friendly expert advisors a call and discussing your circumstances further. They’ll help you decide which package is the most appropriate for your business.

What is the best online accounting software for personal use?

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If you’ve not yet officially gone self-employed, or if you’re comfortable using accounting software and managing your own finances, Crunch Free is the perfect package for you. As the name suggests, the software is completely free, allowing you to record all of your invoices, expenses, and more!

What’s the best online accounting software for a sole trader?

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As a sole trader, we would recommend our Crunch Sole Trader Pro package. For just £24.50+VAT a month, you get access to not only our market-leading online accounting software, but also to your own team of expert client managers and Chartered Certified Accountants, available whenever you need.

What is the best online accounting software for a small business?

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If you’re a small business owner, or the director of your own limited company, we would recommend either our Limited Company Pro, Limited Company Premium, or Small Business packages. Which of these packages is right for your business will depend on factors such as your annual turnover, how many employees you have etc. 

In this instance, we’d recommend giving our friendly advisors a call, who will be happy to help you decide which package is right for you.

How many types of accounting software are there?

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At Crunch, we offer five different types of online accounting software packages: Crunch Free, Sole Trader Pro, Limited Company Pro, Limited Company Premium, and Small Business. Each of these packages are designed to support businesses as they grow and take on new responsibilities, each tailored to maximise the tax-efficiency of your business at each stage of its development.

What factors should I consider when purchasing online accounting software?

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It’s true that not all online accounting software is created equally. Many of our competitors will lock fundamentally important parts of their software behind paywalls, or restrict your usage (i.e. limiting you to a certain number of expenses per day/month etc.).

When considering which online accounting software package you’d like to use, you need to be sure that everything you need is covered in your package. With Crunch Free, for instance, you get all of the basics, fundamental necessities of good online accounting software, such as expenses, invoices, and Open Banking. If you’re ever in doubt as to which package is right for you, don’t hesitate to call our wonderful advisors, who’ll be happy to help you better understand which of our packages meets your needs.

How safe is online accounting software?

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As safe as houses! Information you store on your computer in files and spreadsheets can be attacked by viruses or lost due to technical failures, or even simple mismanagement and disorganisation - and lets not even go into all the things that could go wrong if you still keep your receipts in a ratty old shoebox.

We use encrypted connections to reliably and securely store your data within our cloud accounting software, which not only gives you the peace of mind that your data is safe at all times, but also allows you to create reliable backups.

Are there any disadvantages of online accounting software?

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None whatsoever! Online accounting software allows you to manage your finances on the go, anytime, anywhere, safe in the knowledge that your data is secure. You can automate certain processes to cut down on your admin, connect your bank account straight to your software for swifter reconciliation, and stay compliant with the government’s Making Tax Digital scheme.

What is cloud accounting software and does it differ from online accounting software?

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Cloud accounting software and online accounting are, basically, one and the same. When you’re talking about online accounting software, you’re talking about the software itself and the actions you can perform within it (i.e. recording your expenses, sending invoices etc.). When you’re talking cloud accounting software, you’re referring to data storage and backups.

At Crunch, our online accounting software is also cloud accounting software, so with us, you don’t have to worry!

How much does online accounting software cost?

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At Crunch, it can start from the low-low price of absolutely nothing! Crunch Free is exactly what it sounds like - completely free! 

If you need more bespoke support and access to our team of expert client managers, our paid packages start from just £24.50+VAT a month for sole traders, and £75.50+VAT a month for limited companies.

Running a business can be confusing. We're here to help.

We’ve got over 10 years experience and have helped over millions of businesses with guidance and advice. Our Knowledge articles, jargon-free business guides, handy videos and helpful tools and calculators will help answer all your questions. We’ve even got a free self-employed community, Crunch Chorus, with over 67,000 members just like you.