Online accounting software your business will love.
SwiftBooks Pro is the HMRC-recognised cloud accounting software UK SMEs rely on to send invoices, reconcile bank transactions, file MTD VAT returns, track inventory and manage cash flow — all from one beautifully designed platform built for growing businesses.
What is online accounting software?
Online accounting software (also called cloud accounting software) is a web-based bookkeeping and financial management tool that lets UK businesses send invoices, track expenses, reconcile bank transactions and manage cash flow from any device with an internet connection.
Unlike legacy desktop accounting software, online accounting software updates in real time, backs up your data automatically, lets your accountant collaborate from anywhere, and connects directly to your bank via Open Banking — no manual statement uploads, no end-of-month panic, no spreadsheet hell.
For UK SMEs, the right online bookkeeping software replaces a tangle of spreadsheets, paper receipts and bank statements with a single, organised view of your finances — and keeps you compliant with HMRC's Making Tax Digital (MTD) rules. SwiftBooks Pro is purpose-built for this — HMRC-recognised, MTD-ready for VAT, and fully prepared for MTD for Income Tax Self Assessment (MTD ITSA), which became mandatory for sole traders and landlords with qualifying income above £50,000 from April 2026.
The free accounting software for UK sole traders.
Everything sole traders and solopreneurs need to run their business — at zero cost, forever. While Xero charges £16/month and QuickBooks charges £15/month for the bare basics, SwiftBooks Pro gives sole traders a full accounting platform absolutely free.
Get started for free→- Personalised dashboard
- Automatic bank feeds
- Professional invoicing
- Expense & receipt tracking
- Multi-currency invoicing
- Online payment links
- iOS & Android mobile apps
- Unlimited customers & suppliers
Small business accounting software, engineered for growth.
Every capability UK SMEs need to invoice faster, get paid sooner, and scale with confidence — all in one cloud accounting platform.
Beautiful invoicing software
Create stunning professional invoices in seconds. Custom branding, multiple templates, recurring schedules, automated late-payment reminders, and one-click online payment buttons that get you paid faster.
Learn more → ★ BankingSmart bank reconciliation
Connect to all major UK banks via Open Banking — Barclays, HSBC, Lloyds, NatWest, Monzo, Starling and more. Auto-match transactions, categorise expenses with AI, and save 8+ hours of admin every week.
Learn more → ★ GlobalMulti-currency invoicing
Sell to customers anywhere in the world. Invoice in 160+ currencies with automatic exchange rate updates. Included on every paid plan, unlike Xero and QuickBooks who restrict it to premium tiers.
Learn more → ★ InventoryReal-time inventory management
Track stock levels in real time, set automatic reorder points, and connect directly to Shopify, WooCommerce, Amazon and Etsy. Built-in from the £19 Pro plan — no expensive add-ons required.
Learn more → ★ TeamworkTeam & accountant collaboration
Work as a team with granular roles and permissions. Customer and vendor portals built in for seamless payment processing. Your accountant gets free advisor access on every paid plan.
Learn more → ★ AutomationSmart workflow automation
Automate the boring parts of bookkeeping. Set recurring invoices, scheduled reports, payment reminders and field updates. Trigger custom workflows with Zapier and webhook integrations.
Learn more →One accounting platform. Every module you need.
From the first quote to the final report, every module of our online accounting software works seamlessly together — no plugins, no integrations, no extra fees.
Receivables that get you paid faster.
Raise professional invoices and quotes in seconds. Offer multiple payment options, automate reminders, and send branded online payment links that integrate with Stripe, PayPal and GoCardless.
- ✓ Professional invoice & quote templates
- ✓ Stripe, PayPal, GoCardless integrations
- ✓ Automatic late-payment reminders
- ✓ Customer portal for self-service payments
- ✓ Recurring invoice automation
UK SME results, by the numbers.
Real outcomes measured across thousands of UK SMEs using SwiftBooks Pro every day.
¹ Customer survey, 1,247 SwiftBooks Pro users, October 2025. ² Customer outcome data tracked over 12 months, n=4,210. ³ Active paid & free user count, January 2026. ⁴ Based on Professional tier pricing comparison with 5 users over 5 years. View methodology →
The accounting solution UK SMEs actually enjoy.
Beautifully crafted, powerfully built, honestly priced. Here's why thousands of UK businesses chose SwiftBooks Pro over Xero, QuickBooks, Sage and FreeAgent.
Built for growing UK businesses
From your first invoice to your hundredth employee, our cloud accounting software scales with you. No outgrowing the platform, no painful migrations, no compromise on features as your team grows.
Affordable pricing for sole traders
Unlike Xero (£16/mo), QuickBooks (£15/mo) or Sage (£18/mo), sole traders never pay anything. Full accounting features, bank feeds, multi-currency invoicing and unlimited customers — at zero cost, forever.
40–50% less than the alternatives
Paid plans start at just £9/month — roughly half the price of Xero, QuickBooks or Sage. Same features, better experience, no surprise upgrade upsells. Honest, transparent pricing for honest UK SMEs.
One-click migration, free of charge
Switching from Sage, Xero, QuickBooks or FreeAgent? Our migration specialists handle your entire move at no extra cost — contacts, history, opening balances, everything. Live in 48 hours.
SwiftBooks Pro vs Xero, QuickBooks & Sage.
A transparent comparison of the leading small business accounting software in the UK — features, pricing and what you actually get for your money.
| Feature | SwiftBooks Pro | Xero | QuickBooks | Sage |
|---|---|---|---|---|
| Free plan for sole traders | ✓ Forever | ✗ None | ✗ None | ✗ None |
| Starter plan (UK price/month) | £9 | £16 | £15 | £18 |
| Pro plan (UK price/month) | £19 | £33 | £30 | £25 |
| Unlimited invoices (Pro+) | ✓ | ✓ | ✓ | Capped |
| Multi-currency invoicing | All paid plans | Premium only | Premium only | Premium only |
| Inventory tracking | £19 Pro+ | £33 Premium+ | £30 Plus+ | £25 Standard+ |
| UK Open Banking feeds | ✓ | ✓ | ✓ | ✓ |
| Free migration service | ✓ Included | ✗ DIY | ✗ Paid | ✗ Paid |
| Native Windows desktop app | ✓ | ✗ | ✗ (discontinued 2023) | ✓ |
| Free accountant advisor access | ✓ All plans | ✓ | ✓ | Paid add-on |
Pricing accurate as of January 2026. Competitor prices sourced from xero.com, quickbooks.intuit.com/uk, and sage.com. View full comparison →
Honest pricing for every UK small business.
Transparent pricing, no hidden charges. Free forever for sole traders, with paid plans for every growing UK SME — from solo founders to scaling teams of 25+.
Free forever for sole traders & solopreneurs
- ✓ 1 user
- ✓ Up to 1,000 invoices/yr
- ✓ Open Banking feeds
- ✓ Multi-currency invoicing
- ✓ Mobile apps
- ✓ Email support
For small businesses getting organised
- ✓ 3 users
- ✓ Up to 5,000 invoices/yr
- ✓ Quote management
- ✓ Recurring invoices
- ✓ Bills & expenses
- ✓ Custom invoice templates
- ✓ Priority email support
For growing SMEs with projects & inventory
- ✓ 5 users
- ✓ Unlimited invoices
- ✓ Projects & time tracking
- ✓ Inventory management
- ✓ Purchase orders
- ✓ Multi-currency
- ✓ Sales orders
- ✓ Phone support
For established SMEs scaling operations
- ✓ 10 users
- ✓ Everything in Pro
- ✓ Custom domain & branding
- ✓ Workflow automation
- ✓ Vendor portal
- ✓ Audit trail & history
- ✓ Advanced reports
- ✓ Custom user roles
For medium businesses & large teams
- ✓ 25 users
- ✓ Everything in Premium
- ✓ Advanced BI & analytics
- ✓ API access
- ✓ SSO & advanced security
- ✓ Dedicated account manager
- ✓ Custom integrations
- ✓ 24/7 priority support
All prices exclude VAT. View full pricing comparison →
Accounts software for every kind of UK SME.
Whatever your size, role, or industry — SwiftBooks Pro is engineered for the way UK small businesses actually work.
Startups
Agile bookkeeping software built to support rapid growth
Small Businesses
Stay on top of cash flow with effortless tracking
Medium Sized
Advanced automation & multi-user workflows for SMEs
Non-Profit
Manage funds, donations & restricted budgets
Business Owners
Organise your business, clients & finances in one place
Accounting Firms
Manage all your client books from one partner portal
Freelancers
Beautifully simple invoicing & expense tracking
eCommerce
Shopify, WooCommerce, Amazon & Etsy built in
What 12,000+ UK businesses are saying.
Real reviews from real UK customers — from solopreneurs to scaling SMEs.
SwiftBooks Pro has been a lifesaver for keeping my accounting organised. I love how customisable the invoicing is — something I couldn't do with Wave or FreshBooks. Worth every penny for any UK SME.
Moving from Xero to SwiftBooks Pro made a huge difference. Xero struggled with multi-currency, especially PayPal. I was paying twice as much for less. Migration was effortless — done in a day.
The dashboard alone is worth switching for. Beautiful design, lightning fast, and the inventory module saved me from spreadsheet hell. Best small business accounting software decision I made this year.
Accounting software integrations: Stripe, Shopify, banks & 50+ more.
Orchestrate success by connecting our online accounting software to 50+ payment processors, banks, marketplaces and productivity tools UK businesses rely on.
Coming from Sage, Xero or QuickBooks?
Our UK-based migration specialists handle the entire move — free of charge. Most migrations complete within 48 hours.
Cloud accounting software on mobile, desktop & web.
Native apps for iOS, Android and Windows — fully synced, beautifully designed, built for UK small business owners on the move.
Carry your accounts wherever you go.
Send invoices from your phone, scan receipts on the go, reconcile transactions over a coffee. Real accounting power, in your pocket — for iPhone, iPad and Android.
A simple, secure, standalone desktop solution.
The full SwiftBooks Pro experience as a native Windows app. Works offline, syncs when online, runs lightning fast. Unlike QuickBooks (which discontinued its UK desktop product), we still support Windows.
Bank-grade security. UK data residency.
At SwiftBooks Pro, security is the foundation, not an afterthought. Built on enterprise-grade infrastructure, with all UK customer data hosted in UK data centres, encrypted at rest and in transit, and audited annually under the world's strictest compliance standards.
Questions about online accounting software, answered.
Everything you need to know about SwiftBooks Pro and online accounting software for UK SMEs.
What is online accounting software?
Is SwiftBooks Pro really free for sole traders?
Is SwiftBooks Pro HMRC-recognised and MTD-compatible?
Does SwiftBooks Pro handle VAT returns?
How does SwiftBooks Pro compare to Xero or QuickBooks?
Can I migrate from Sage, Xero, QuickBooks or FreeAgent?
How many users can I add to SwiftBooks Pro?
Does SwiftBooks Pro work on mobile?
What payment methods can my customers use to pay invoices?
Is SwiftBooks Pro suitable for limited companies?
Does SwiftBooks Pro support multi-currency invoicing?
Can my accountant access my SwiftBooks Pro account?
Is my data safe with SwiftBooks Pro?
Can I cancel anytime?
Try the online accounting software UK SMEs love.
14-day free trial · Free forever for sole traders · No credit card required.