Accounting Software Pricing UK Small Businesses Can Actually Plan Around
Looking for straightforward accounting software pricing UK businesses can budget for without small print? WDI Billing charges one flat monthly fee per plan - no per-invoice fees, no surprise add-ons for basic features, and no charge for keeping your own data. You choose the plan that matches how much of your books you want us to help run; you never pay extra because HMRC changed a rule.
Every plan is built around the same idea: your books stay yours. Records mode keeps things logged and organised. Prepare mode - the default on our paid plans - gets your VAT return or Self Assessment figures ready and shows you exactly what would be submitted. File mode only sends anything to HMRC when you press the button. Nothing streams to HMRC automatically at any pricing level.
How WDI Billing Plans Are Structured
Rather than locking Making Tax Digital compliance, invoicing or accountant access behind confusing add-on pricing, we group features into three straightforward tiers. Each one builds on the last:
| Plan | Best for | What's included |
|---|---|---|
| Starter | Sole traders and freelancers just getting organised | Records mode bookkeeping, unlimited invoicing, receipt capture, bank feed import, invoice templates |
| Standard | VAT-registered businesses and growing sole traders | Everything in Starter, plus Prepare mode for MTD VAT and MTD for Income Tax, mileage tracking, quarterly update prep, exports (SAF-T, CSV) |
| Complete | Limited companies and businesses working with an accountant | Everything in Standard, plus File mode submissions, accountant/advisor break-glass access, and priority support |
Every plan includes unlimited invoices - we don't charge per invoice sent, per client added, or per bank transaction imported. Current prices for each plan are shown when you start a free trial, so you always see the live figure rather than a number that might have changed by the time you read this page.
The Legal Reality: You May Not Need to File Anything Yet
Not every small business in the UK is required to submit digitally to HMRC today. If your turnover sits below the current MTD qualifying income threshold and you're not VAT-registered, you can legally run your books on Records mode or Prepare mode only, without ever switching on File mode. There's no rule that says software has to submit anything automatically, and there's no rule that says you have to buy submission features you don't need yet.
That's why we don't force everyone into the same plan. A sole trader under the threshold can use Starter to stay organised and simply upgrade when MTD for Income Tax applies to them, or when they choose to register for VAT voluntarily. If you're VAT-registered, MTD for VAT already applies to you, and Standard gives you the Prepare mode workflow to get compliant without losing control of when anything is actually sent.
Why Businesses Choose WDI Billing Over Xero, QuickBooks or FreeAgent on Price
QuickBooks raised UK prices in January 2026, and many banking-linked free tools like FreeAgent come bundled to a specific current account, meaning you lose your books' independence the moment you switch banks. WDI Billing plans are priced on their own terms - not tied to a bank, and not creeping upward without you changing anything. You get transparent tiers, EU/GDPR-based data residency, and full data export at any time, so switching in or out is never a lock-in decision.
If you're comparing costs directly, see how we stack up on our Xero comparison and QuickBooks comparison pages, or read about switching on our Xero alternative guide.
What's the Same Across Every Plan
- No per-invoice or per-transaction fees
- EU/GDPR-based data residency for every customer
- Full data export at any time - CSV and standard accounting formats
- Prepare mode as the default for anything involving HMRC
- UK-based invoice templates with all mandatory invoice fields
- No contract lock-in - cancel and export whenever you like
Choosing the Right Plan
If you're a sole trader wondering where to start, our sole trader accounting software page walks through what Starter and Standard look like day to day. Running a limited company instead? Ltds sit outside MTD for Income Tax, so our accounting software for limited company page focuses on control and accountant collaboration rather than filing urgency. And if VAT is your immediate concern, start with MTD VAT software to see exactly how Prepare mode handles your return.
Businesses working with a bookkeeper or accountant should also look at accounting software accountant access, included from Complete upward, which gives your advisor break-glass access without handing over full control of your account.
What's Not Charged For
Some accounting software pricing UK providers use looks simple until you check the invoice - extra fees for additional invoices past a monthly cap, charges for connecting a second bank account, or a jump in price the moment you add a team member. WDI Billing doesn't work that way. Sending fifty invoices a month costs the same as sending five. Scanning receipts with document ingestion is opt-in and included - you can use AI-assisted scanning or skip AI entirely and enter figures manually, and neither route costs extra. Connecting your expense tracker or logging mileage doesn't unlock a higher tier either; both are part of Standard and Complete as standard.
The one thing that does change the price is how much of the filing workflow you want us to manage on your behalf, and whether you need multiple people - you and your accountant, for example - working from the same set of books.
Frequently Asked Questions About Our Pricing
Do I have to use File mode? No. File mode is available from Standard upward but it only ever submits when you actively choose to. Plenty of customers run Prepare mode indefinitely and file through their accountant or directly with HMRC themselves.
Can I switch plans later? Yes. Many sole traders start on Starter, move to Standard once they register for VAT or cross the MTD qualifying income threshold, and move to Complete once they incorporate or bring an accountant on board. You can also move down a tier if your circumstances change.
Is my data locked in if I want to leave? No. Every plan, including Starter, includes full data export at any time. There's no charge to export, and no minimum contract term you need to see out first.
Does the price include VAT? Prices shown at signup reflect what you'll actually be charged, so there's nothing extra to add once you reach checkout.
Built for the Way UK Small Businesses Actually Work
Whether you're invoicing clients through our invoicing software, keeping day-to-day records with bookkeeping software, or generating one-off documents with our free invoice generator and invoice templates, the plan you're on determines how much of the wider MTD picture we help you prepare for - not which basic tools you're allowed to touch. That's a deliberate choice: we'd rather price for the compliance workload you actually carry than for how many buttons you click.
Start Free and See the Price That Applies to You
The fastest way to know exactly what accounting software pricing UK-wide looks like for your business is to start a free trial and see your own plan recommendation based on your turnover and VAT status - no card required, no automatic filing switched on, and no obligation to continue. Explore WDI Billing for UK businesses or begin your free trial today and keep your books, and your budget, firmly under your own control.