For the most up-to-date feature comparison, visit sage.com/self-employed.
| Feature Category | Feature | Free | Paid |
|---|---|---|---|
| Banking | Connect up to 10 bank accounts and import manually | ✔ | ✔ |
| Transactions | Add transactions in and out | ✔ (manual only) | ✔ (+AI upload) |
| Split transactions by category | ✔ | ✔ | |
| Bulk actions | ✔ (with limits) | ✔ | |
| Add attachments | ✔ (125MB) | ✔ (10GB) | |
| Add notes to transactions (collab) | ✘ | ✔ | |
| Manual category assignment | ✔ | ✔ | |
| AI auto category assignment | ✔ (with limits) | ✔ | |
| Sales Invoices | Create and email sales invoices | ✔ (with limits) | ✔ |
| Add contacts | ✘ | ✔ | |
| Connected Stripe Payments/Tap to Pay | ✘ | ✔ | |
| Invoice customisation | ✘ | ✔ | |
| Income Tax/HMRC | MTD submissions | ✔ | ✔ |
| Tax estimates | ✔ | ✔ | |
| Reporting | Profit and loss report | ✘ | ✔ |
| SA103 helper report (short) | ✔ | ✔ | |
| Trial balance | ✔ | ✔ | |
| Balance sheet/ledger reports | ✘ | ✔ | |
| Nominal activity summary | ✘ | ✔ | |
| Task Management | Task Management | ✘ | ✔ |
| Users | Max users | One user plus one accountant | One user plus one accountant |
| Mobile App | iOS and Android mobile app access | ✔ | ✔ |