Sage Accounting Pricing 2026: Start, Standard & Plus

Sage Accounting's regular UK prices are £20 Start, £43 Standard and £59 Plus per month excluding 20% VAT, with a temporary 90%-off offer for the first six months.

Start: £20 per month excluding VAT

Start has a regular price of £20 per month before 20% VAT and includes one accounting user.

It covers unlimited sales invoices, bank reconciliation, VAT/MTD, Sage Copilot, cash-flow management and payroll for one employee. It is designed for VAT-registered sole traders and microbusinesses.

Standard: £43 per month excluding VAT

Standard costs £43 per month before VAT and supports three accounting users. Sage currently marks it Most Popular.

It adds suppliers, CIS, accrual accounting, custom reports, quotes and estimates, cash-flow forecasting and 30 included approved document captures.

Plus: £59 per month excluding VAT

Plus costs £59 per month before VAT and supports unlimited accounting users.

It adds budgets, multi-currency banking and invoicing, exchange-rate management, stock and inventory management and 100 included approved document captures.

90% off for six months

The current offer cuts Start to £2, Standard to £4.30 and Plus to £5.90 per month before VAT for the first six months.

Toollers treats those as acquisition credits rather than stable pricing. Every comparison should show the regular £20/£43/£59 post-promotion cost.

Promotion savings

Sage currently states the six-month promotion saves £108 on Start, £232.60 on Standard and £318.60 on Plus before VAT versus regular pricing.

Those savings are attractive in year one, but they do not reduce the recurring subscription after month six.

30-day free trial alternative

Buyers can skip the 90% promotional offer and instead take a 30-day free trial of any of the three plans.

A free trial is more useful when the business must validate bank feeds, VAT, payroll, reporting, inventory or migration; the promotion is more useful when the product decision is already made.

VAT treatment

All published Sage Accounting prices exclude 20% UK VAT.

A VAT-registered business may be able to recover input VAT subject to its circumstances, but a cash-budget comparison should still show the gross amount paid and not ignore tax.

Gross monthly prices including VAT

At 20% VAT, the headline regular cash amounts are £24 for Start, £51.60 for Standard and £70.80 for Plus before any other usage charges.

These gross figures are useful when comparing real cash outflow, although accounting treatment depends on whether the business can reclaim VAT.

Payroll allowance

Start and Standard include payroll for one employee, while Plus includes payroll for five employees.

Sage includes payroll functionality across the platform, but the employee allowance means the subscription is not an unlimited-payroll price.

Additional payroll employees

Additional employees currently cost £1.85 per employee per month.

A 10-employee company on Standard would pay for nine additional employees, adding £16.65 per month before VAT to the £43 accounting subscription.

10-employee Standard example

Standard at £43 plus nine extra employees at £1.85 produces a £59.65 monthly subtotal before VAT.

Adding 20% VAT creates a £71.58 gross monthly cash cost before capture overages or Marketplace subscriptions.

10-employee Plus example

Plus includes five payroll employees, so a 10-person employer pays for five additional employees, adding £9.25 to the £59 subscription.

That creates a £68.25 monthly subtotal before VAT or £81.90 gross at 20% VAT, making Plus only moderately more expensive than Standard for this headcount while also adding unlimited accounting users and inventory.

Receipt and invoice capture

Standard includes 30 approved captures and Plus includes 100. Start does not include the same capture allowance.

Additional approved captures cost £0.20 each, so document-heavy companies should estimate monthly receipt and supplier-invoice volume.

Capture overage example

A Standard customer using 130 approved captures in a month would exceed the included allowance by 100, adding £20 before VAT.

At that usage level, moving to Plus may improve value because Plus includes 100 captures and additional capabilities.

Accounting user limits

Start supports one accounting user, Standard three and Plus unlimited users.

That creates a clean collaboration pricing breakpoint. Teams needing more than three users can move to Plus without per-user accounting fees.

Payroll and accounting users are different cost drivers

Plus can have unlimited accounting users while payroll still uses its included five-employee allowance plus per-employee pricing above that.

Procurement should therefore model finance-system users and paid employees separately.

CIS and supplier threshold

Standard is the first plan designed for supplier-heavy businesses, CIS and accrual accounting.

A construction or contractor business should compare Standard rather than Start even if it only needs one accounting login.

Inventory threshold

Plus is the only current Sage Accounting tier with stock and inventory management.

That makes £59 per month before VAT the minimum recurring plan price for native inventory in this product line.

Multi-currency threshold

Plus is also the plan for multi-currency banking and invoicing.

International businesses should therefore treat Plus as the base Sage Accounting cost rather than Start or Standard.

Budgeting threshold

Budget creation and tracking are included on Plus.

Businesses upgrading mainly for planning should compare whether the extra £16 over Standard is better value than a separate budgeting tool.

Sage Copilot pricing

Sage Copilot is included across Start, Standard and Plus with no separate base line item on the current pricing page.

That keeps the AI assistant from becoming an extra subscription, although businesses should still judge whether the workflows provide practical value.

Marketplace app costs

Marketplace integrations such as AutoEntry, A2X, payments and other specialist apps can use separate vendor subscriptions or usage pricing.

A complete accounting TCO model should include those applications because Sage's base plan price does not cover every connected service.

Migration costs

Sage promotes CSV imports, support and MoveMyBooks migration options for supported accounting systems.

Some migration scenarios can be subsidized or supported by Sage, but buyers should confirm which historical data, years and source platforms are covered before assuming migration is free.

Monthly billing and contract term

Sage states there are no long-term contracts or commitments on the current Accounting offer.

That reduces contract risk compared with annual-commitment software, although the five-working-day cancellation timing still matters.

Cancellation timing

Sage says cancellation should be completed at least five working days before the next billing date to avoid further payment.

The subscription remains active until the billing date, and access to Sage data through the solution ends after the subscription expires.

Refunds

Sage's public Accounting pricing pages do not publish one universal money-back guarantee for every subscription.

The 30-day trial is therefore the cleaner evaluation route when refund risk matters. Specific refund rights depend on applicable Sage terms and purchase channel.

First-year cost before promotion

At regular prices, twelve months cost £240 Start, £516 Standard and £708 Plus before VAT and usage charges.

The current six-month 90% promotion temporarily reduces first-year subscription spend, but year-two budgeting should use the full regular annual figures.

First-year promotional subscription cost

Using six discounted months followed by six full-price months, the subscription-only cost before VAT is £132 for Start, £283.80 for Standard and £389.40 for Plus.

Those totals exclude additional payroll employees, capture overages and third-party apps, but they show how materially the current promotion lowers first-year acquisition cost.

Three-year steady-state view

Longer-term planning should focus on regular prices because the six-month discount affects only the opening period.

Over three full-price years, base subscription totals are £720 Start, £1,548 Standard and £2,124 Plus before VAT and add-ons.

Pricing transparency assessment

Sage publishes regular prices, promotional prices, user counts, payroll employee allowances, capture allowances and major plan differences directly on the UK product page.

The main diligence task is not discovering the price but correctly modeling VAT, employee count, capture usage and third-party apps.

Procurement checklist

Count accounting users, payroll employees, monthly receipt captures, CIS requirements, inventory, currencies, budgets and integrations before choosing a plan.

Then show promotional first-year spend and steady-state recurring spend separately so the 90% offer does not distort the long-term decision.

Pricing methodology

Toollers rechecked Sage's live UK Accounting page on October 9, 2026. Regular pricing remains £20/£43/£59 excluding VAT, and the current six-month 90% promotion is treated only as an introductory discount.

The official amounts are directly confirmed, but Toollers human pricing verification remains pending, so startingPriceVerified stays false.

Continue reading about Sage Accounting

• Sage Accounting tool profile
• Sage Accounting Review: Features, Pricing, Pros and Cons
• Sage Accounting Alternatives 2026: Xero, QuickBooks, Zoho & FreshBooks

Plan-change economics

A business can upgrade as needs grow, but Start, Standard and Plus differ materially in users, supplier/CIS functions, capture, inventory and currency support.

Forecast those requirements before choosing the promotional plan so the first upgrade does not arrive immediately after onboarding.