Justworks vs FreeAgent

Justworks

Justworks is a Professional Employer Organization (PEO) that gives small businesses access to Fortune 500-level benefits and simplified payroll. By co-employing your team, Justworks handles compliance, payroll taxes, and benefits administration. It is ideal for small businesses that want premium benefits without an in-house HR team.

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FreeAgent

FreeAgent is a cloud accounting platform designed specifically for freelancers, contractors, and small businesses in the UK. It offers automatic bank feeds, invoicing, expense management, and self-assessment tax return preparation. FreeAgent is particularly popular with UK freelancers and contractors for its excellent handling of UK tax requirements including Self Assessment and VAT returns.

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Pros

• ✓Access to high-quality health, dental, and vision benefits typically reserved for large companies
• ✓Simple flat-rate pricing with no hidden fees
• ✓Excellent customer support with fast response times
• ✓Handles all compliance and payroll tax filings

Cons

• ✗More expensive than software-only alternatives due to PEO model
• ✗Only available for US-based employees
• ✗Less flexible than standalone HR software for customization

Pros

• ✓Excellent UK tax compliance including Self Assessment and VAT returns
• ✓Designed specifically for freelancers and contractors
• ✓Clean and easy to use interface
• ✓Automatic bank feeds save significant time

Cons

• ✗Primarily suited for UK market — limited value for non-UK businesses
• ✗Less feature-rich than QuickBooks for complex business needs
• ✗Smaller integration ecosystem than larger competitors
• ✗Not suitable for larger businesses with complex accounting needs

Best For

Small businesses wanting Fortune 500 benefits

Best For

UK freelancers and contractors wanting simple accounting with strong Self Assessment and VAT tools