Choosing the right online accountant can make a huge difference to your costs and compliance burdens as a UK business owner. With digital services replacing traditional high-street accountants, many firms now offer transparent subscription models that include bookkeeping, tax filing, and compliance support — often at significantly lower prices. Below is a snapshot of key providers and how they compare in terms of pricing, core services, and ideal use cases.
Quick Comparison: Cheapest Online Accountants (UK, 2026)
| Provider | Starting Price (approx) | Ideal For | Key Services Included |
| Accountancy.co.uk | £24.50 pm | Solo traders & small Ltds | Bookkeeping, Self Assessment, company filing, Making Tax Digital support |
| Mazuma | £38 + VAT pm | Small businesses & freelancers | Monthly bookkeeping, year-end accounts, VAT, payroll |
| CheapAccounting.co.uk | £52.50 + VAT pm / from £85 yr | Startups & small Ltds | Statutory accounts, corporation tax returns, payroll |
| Crunch | ~£18 + VAT payroll add-on | Freelancers/contractors | VAT filing support, Self Assessment |
| Taxpound.com | (Custom) | Growing limited companies | Full compliance, corporation tax filing, annual accounts |
| WizzAccounting | £27 pm | Sole traders & small Ltds | Day-to-day bookkeeping, invoicing, expenses |
| TheOnlineAccountants.uk | from £349 yr | Fixed-fee year end filing | Year end accounts, tax submissions |
| Accountancy UK | £24.50 pm | Cost-focused solo traders | Dedicated accountant, Self Assessment, VAT |
| (Other niche providers like Taxez) | From low annual fees | Small businesses & individuals | Accounts and Self Assessment |
Prices shown are approximate and may vary based on business structure, turnover, additional services (e.g., payroll), and VAT. All prices exclude VAT unless stated.
- Affordable Online Accounting at Entry-Level
TheAccountancy.co.uk stands out for extremely low subscription fees. With plans starting around £24.50 per month, it’s one of the cheapest full-service options available for sole traders and small limited companies. This typically includes bookkeeping, Self Assessment tax returns, and year-end accounts, plus support with Making Tax Digital submissions for HMRC compliance.
This service is ideal for new businesses looking to spread their accounting costs monthly and receive regular support without hefty upfront fees.
- Mazuma – Comprehensive Service With Predictable Pricing
Mazuma combines affordability with broad service coverage. Monthly plans start from around £38 + VAT and include bookkeeping, VAT returns, payroll support, and year-end filing. They also offer access via a dedicated app for digital document uploads and reporting.
Mazuma’s fixed monthly pricing is particularly attractive for small business owners who want all essential services bundled in one place, without unexpected add-on costs.
- CheapAccounting.co.uk – Very Low Base Fees for Ltd Companies
CheapAccounting.co.uk specialises in ultra-low fees for statutory accounts and corporation tax returns. Annual filing services for limited companies can start from as little as £85, with monthly plans from about £52.50 + VAT for ongoing support.
This model is a strong choice for startups and micro companies that want to keep costs down while ensuring compliance with Companies House and HMRC filing requirements.
- Crunch – Flexible Cloud Accounting Support
Crunch is well-known in the UK freelance and contractor space. While not always the absolute lowest in headline price, Crunch’s entry services sometimes start with affordable add-ons such as payroll from around £18 + VAT per month when combined with its packages.
Crunch offers cloud tools for VAT filing and Self Assessment, with the ability to scale up services as your business grows.
- Taxpound.com – Value-Focused Support for Growing Ltds
Taxpound has gained traction in 2026 as an affordable option for limited companies and small business owners. While pricing can vary based on company size and service level, Taxpound’s transparent approach aims to deliver core compliance — such as corporation tax filing, annual accounts, and regulatory submissions — at competitive rates suitable for emerging SMEs.
It’s a solid choice for businesses that need reliable limited company support without the premium fees typical of larger firms.
- WizzAccounting – Simple and Supportive
WizzAccounting Ltd positions itself as a budget-friendly service with plans from around £27 per month for sole traders and £54 per month for limited companies. They offer bookkeeping, bank integrations, invoicing support, and basic accounts preparation.
This service works well for small businesses that want a mix of software and human support without a complex pricing structure.
- TheOnlineAccountants.uk – Fixed-Fee Year End Support
The Online Accountants provides a fixed-fee approach to filing statutory accounts, typically around £349 per year for limited companies.
While not subscription-based like some others, this can be extremely cost-effective for businesses that primarily need accurate year-end filing and tax submissions without monthly bookkeeping support.
- Accountancy UK – Low Monthly Entry Tier
Some providers like Accountancy UK also advertise very low starting points (from around £24.50 a month) with a dedicated UK accountant handling accounts, tax returns, and compliance tasks.
This model suits small sole traders or freelancers who want more personal support than purely software-led options.
- Taxez and Other Budget Options
Other online accountants such as Taxez (accounting and tax services) offer some of the lowest annual prices for accounts and Self Assessment from under £200 per year.
These highly cost-effective packages are worth considering, particularly for individuals or very small businesses with minimal accounting needs.
What to Consider Before Choosing
While low cost is attractive, it’s important to understand exactly what each package includes. Some providers bundle VAT filings and payroll services within a single monthly fee, while others charge extra. Some focus on statutory accounts only, whereas others offer full bookkeeping and advisory support.
Always check whether Making Tax Digital compliance, company tax returns, and necessary HMRC/Companies House filings are included in the base price.
Final Thoughts
The UK online accounting market in 2026 offers an impressive range of affordable options tailored to different business sizes and needs. From ultra-basic year-end filing services to fully managed, subscription-based accounting with payroll and VAT support, there’s a solution for nearly every budget.
Whether you’re a sole trader just getting started, a contractor balancing multiple projects, or a limited company owner planning to grow, comparing features and transparent pricing will help you choose the best accountant for your business. As your operations expand, it’s also important to consider your workspace setup — investing in well-designed office cubicles can improve productivity, privacy, and overall team efficiency while your financial systems remain streamlined and compliant.
