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Kashflow vs Monzia: Which Is Better Accounting Software?


Last Updated: 20 May 2025
Reviewed By: Ian Wright (Managing Director)

Which accounting software is better Kashflow or Monzia?

We compare them based on real user reviews, prices and what features they both offer.

Kashflow homepageMonzia homepage
 

Kashflow vs Monzia Basics

KashflowMonzia
Software WebsiteKashflow WebsiteMonzia Website
HMRC MTD StatusIn DevelopmentNot Included
Who Can Use It?BusinessesBusinesses and Self-employed
HMRC Listed FeaturesNoneRecord keeping, simplified expenses and Universal Credits reporting
PlatformsAndroid, iPhone, web-based application, Windows phoneAndroid, web-based application
Note data for this section comes from HMRC here and here

Kashflow vs Monzia Reviews

Wondering if Kashflow or Monzia has better user reviews. We compared them below.

KashflowMonzia
Trustpilot Rating1.4No Rating
Number of Trustpilot Reviews124No Reviews
iPhone App Rating1.8No Rating
Number of iPhone Reviews56No Reviews
Android App Rating2.9No Rating
Number of Android Reviews61No Reviews
Please note ratings we’re accurate at the time of writing but may have since changed

Kashflow vs Monzia Prices

Which is cheaper Kashflow or Monzia? Here are their prices compared.

Kashflow pricingMonzia pricing

Free Plans & Trials

KashflowMonzia
Free Plan?NoYes
Free Trial?YesNo
Free Trial Length?14 daysNo
Data taken from each company’s website at the time of writing but may have since changed.

Paid Plan Prices

KashflowMonzia
Cheapest Plan Cost Per Month£10.50£4.00
Mid-Tier Plan Cost Per Month£22.00NA
Top Plan Cost Per Month£29.00NA
Data taken from each company’s website at the time of writing but may have since changed.

Kashflow vs Monzia Features

Kashflow featuresMonzia features

Kashflow Basic Features

  • Send unlimited quotes & 10 invoices
  • Reconcile up to 25 bank transactions
  • Single User
  • Manage and submit VAT online
  • Bank Feeds
  • Get paid faster with KashFlow Payments
  • Free Mobile App
  • Access to over 50 reports
  • Customisable dashboard
  • Manage purchases & expenses
  • Track Mileage
  • Schedule customer statements
  • IRIS Pay
  • Customer Credit Limits

Kashflow Software Integrations

  • Salesforce
  • Zoho
  • Satago
  • Paypal
  • Square
  • Stripe
  • Magento
  • TripCatcher

Monzia Basic Features

  • TOTAL INCOME FOR PERIOD
  • TOTAL EXPENSE FOR PERIOD
  • TOTAL PROFIT / LOSS FOR PERIOD
  • TOTAL TAX DUE FOR PERIOD
  • CUSTOM DATE RANGE (Weekly, Monthly, Quarterly)
  • BUSINESS MILEAGE DETAILS AND CALCULATION
  • ACCOUNTS FOR PENSION, TAX AND NI PAYMENTS
  • TOTALS BROKEN DOWN BY CATEGORY (ie: Fuel, Postage, Materials etc)
  • CIS PAID FOR PERIOD
  • FULL BUSINESS RECORDS AS REQUIRED BY HMRC
  • ALL CATEGORIES DETAILED WITH EVERY TRANSACTION (Full Audit Trail )
  • SORTING AND SEARCH FACILITY ON ALL TRANSACTIONS
  • UNLIMITED REPORTS DURING MEMBERSHIP PERIOD

Monzia Software Integrations

Not Listed

Common Feature Comparison

KashflowMonzia
Payroll Software IntegrationYesNo
Track VATYesYes
VAT FilingYesYes
Real-Time Financial ReportsYesYes
Prepare Self AssessmentYesNo
Income Tax EstimatesYesYes
Manage Income & ExpensesYesYes
Create InvoicesYesNo
Forecast Cash FlowYesYes
Accept and Make Payments In Different CurrenciesYesNo
Employee Time TrackingNoNo
ProjectsNoNo
Bank Feed IntegrationYesNo
End of Year FilingsYesYes
Capture Bills And ReceiptsYesYes
Bulk Reconcile TransactionsYesYes
Track Inventory & Stock LevelsYesNo

KashflowMonzia
Pros
  • User Friendly
  • User Interface
  • Cloud Based
  • Meets Business Needs
  • Pricing
  • Free plan
  • Unlimited Reports During Membership Period
  • Full Business Records As Required By Hmrc
Cons
  • Room for Improvement
  • Difficult to Customize
  • Expensive
  • Missing Features
  • Lack of reviews
  • No app

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