Startup accounting software for UK founders.
Invoices, bank CSV and reports from day one — in the browser. Stripe and PayPal on every plan. 30-day trial, then Solo at £15/month ex VAT. Move to Business when you need projects, timesheets or GoCardless.
Invoice, bank, report — before you hire finance.
Same ledger as every other SwiftBooks Pro customer. No cap-table tool, runway forecast or EIS workflow in this login — just the books.
Trial
30 days, no card. Sole trader or Ltd. Pick Solo when the trial ends unless you need Business tools.
Invoice
Sales → Invoices or Recurring Invoices for subscriptions. Stripe and PayPal Pay Now on every plan.
Bank
Smart Bank Import from CSV, then Reconcile. Bank rules on Business+. No live bank feed.
Accountant
Users→ Full or Limited. They work in the ledger; you keep billing and admin.
The loop most pre-seed teams actually run.
Invoices
One-off and recurring in Sales. Credit notes and payments received in the same menu.
Stripe and PayPal
Pay Now on the invoice. Connect in Settings → Payment Gateways. Every plan.
Reminders
Chase overdue invoices from Emails → Payment Reminders. Three levels in Reminder Settings.
Bank CSV
Import your statement, match and reconcile. Solo includes three bank accounts.
Expenses
Key supplier costs in Purchases → Expenses. Recurring expenses for known SaaS spend.
Reports
P&L, balance sheet, cash flow and ageing in the browser. Standard reports, not a VC data-room pack.
From sole trader to Ltd to a second company.
Pre-incorporation
Run as a sole trader on the trial. Invoices and expenses stay readable when you Ltd-up.
Incorporate
Free migration into a Ltd with a fresh chart of accounts. Opening balances per your accountant.
Business+
Projects, timesheets, GoCardless, bank rules and multi-currency when one company outgrows Solo.
When the team needs time tracking or Direct Debit.
Pick by company count, not by fundraising stage.
Solo · £15
Invoices, recurring invoices, reminders, Stripe, PayPal, expenses, bank CSV. Two users, one company, three banks.
Business · £39
Unlimited users. Adds projects, timesheets, GoCardless, bank rules, purchase orders, multi-currency.
Multi-Company · £69
Up to five companies. Business tools on each. Free migration for every company.
Practice
Unlimited companies. Quote only. Live chat on every plan.
Startup questions
Is there a start-up discount?
No. 30-day trial with no card, then published Solo, Business and Multi-Company prices. We do not offer six months free or founder-only pricing on this site.
What if I have not incorporated my UK Ltd yet?
Start as a sole trader. When you incorporate, free migration moves your books into a Ltd with a fresh chart of accounts. Invoice history stays readable; your accountant sets opening balances.
Do I need an accountant as well?
Yes, for year-end accounts, Companies House, EIS or SEIS paperwork, R&D claims and tax advice. SwiftBooks Pro is the day-to-day ledger and standard reports.
Can my accountant or fractional CFO log in?
Yes. Users→ Full or Limited access. Multi-Company lets one person switch between up to five companies. See team and accountant access.
How does this compare to Xero or QuickBooks?
Same category: invoices, expenses, bank and reports in the browser. We do not sell cap-table, runway or EIS workflow tools here. Free migration from Xero and QuickBooks; no per-seat fee on Business+. See compare.
Does SwiftBooks Pro file VAT returns?
No. Keep invoices and the bank in this login.
Start on Solo. Add Business when you need it.
Invoices and bank CSV from day one. Same price as every other customer — no founder tier.