Tide

Tide is primarily a digital business banking app for freelancers and small businesses, but it bundles essential accounting features into its platform. Alongside its business account and card, it offers free invoicing, expense categorization, and cash flow insights. It provides estimated tax calculations and can integrate with accounting software like Xero and FreeAgent.

While not a replacement for full-featured accounting software, Tide's integrated approach means solopreneurs can manage banking, payments, and basic bookkeeping in one mobile-friendly app. It's an excellent starting point for UK-based freelancers who want to keep finances simple and consolidated from day one.