Pricing
Simple pricing.
No surprises.
Start free, upgrade when you need more. No per-user fees. No setup costs. Cancel anytime.
Free
£0/forever
Get started freeNo credit card required
- Cash flow dashboard
- Up to 5 invoices per month
- Tax pot calculator
- Self assessment reminders
- 1 business · 1 user
- Open Banking connections
- Accounting tool integrations
- Smart payment chasing
Most popular
Sole Trader
£12/per month
Start free trial14-day free trial · cancel anytime
- Everything in Free
- Unlimited invoicing
- 1 Open Banking bank connection
- Smart automated payment chasing
- Employment cost modeller
- MTD-ready tax deadlines
- Cash flow alerts & push notifications
- 1 business · 1 user
- Priority email support
- Accounting tool integrations
SMB
£29/per month
Start free trial14-day free trial · cancel anytime
- Everything in Sole Trader
- Open Banking — all UK banks
- Xero, QuickBooks, FreeAgent & Sage sync
- Advanced 90-day cash flow forecasting
- Up to 3 users
- 1 business
- Phone & email support
Enterprise
Custom pricing
Talk to salesCustom contract · dedicated onboarding
- Everything in SMB
- Unlimited businesses
- Unlimited users
- Custom integrations & data feeds
- SSO & advanced permissions
- SLA-backed uptime guarantee
- Dedicated account manager
- Priority phone & Slack support
- Custom branded reports
Everything you need to run your finances
| Feature | Free | Sole Trader | SMB | Enterprise |
|---|---|---|---|---|
| Cash flow dashboard | Included | Included | Included | Included |
| Invoicing | 5/mo | ∞ | ∞ | ∞ |
| Tax pot calculator | Included | Included | Included | Included |
| Tax deadline reminders | Included | Included | Included | Included |
| Payment chasing | Not included | Included | Included | Included |
| Employment cost modeller | Not included | Included | Included | Included |
| Push notifications | Not included | Included | Included | Included |
| MTD submission tracking | Not included | Included | Included | Included |
| Open Banking connections | Not included | 1 bank | Included | Included |
| Xero / QuickBooks / Sage | Not included | Not included | Included | Included |
| 90-day cash flow forecast | Not included | Not included | Included | Included |
| Multi-user (up to 3) | Not included | Not included | Included | ∞ |
| Client portfolio dashboard | Not included | Not included | Not included | Included |
| Branded client reports | Not included | Not included | Not included | Included |
| Bulk MTD tracking | Not included | Not included | Not included | Included |
Frequently asked questions
Do I need a credit card to start?
No. The Free plan is completely free forever. Paid plans start with a 14-day free trial — no card needed until you decide to continue.
What happens to my data if I cancel?
You can export all your invoices, contacts, and reports as CSV at any time. Your data is retained for 90 days after cancellation so you can re-subscribe without losing anything.
Is my banking data secure?
Yes. Fynmerge uses Open Banking (regulated under PSD2) — we never see your bank credentials. Read-only bank access is granted via your bank's own consent flow and can be revoked at any time.
What does "MTD-ready" mean?
Making Tax Digital (MTD) for Income Tax starts in April 2026 for sole traders and landlords earning over £50,000. Fynmerge tracks your quarterly obligations and will support direct HMRC submission when the mandate applies to you.
Can I switch plans later?
Yes — upgrade or downgrade at any time. Upgrades take effect immediately; downgrades apply at the next billing cycle.
Do you offer annual billing?
Yes — toggle to annual on the pricing page to save 2 months. Sole Trader drops to £10/mo (£120/year); SMB drops to £24/mo (£288/year). You can switch back to monthly at your next renewal.
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Upgrade when you're ready.
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