# FreeAgent API vs Pennylane (slim)

> Pennylane scores 66.3 (B) to FreeAgent's 57.2 (C) for accounting ledgers. Prices, MCP, x402, uptime and agent notes side by side.

- Full: https://www.anchorterminal.com/compare/freeagent-vs-pennylane.md (~2,350 tokens) · this version ~630 tokens · JSON https://www.anchorterminal.com/compare/freeagent-vs-pennylane.json · canonical https://www.anchorterminal.com/compare/freeagent-vs-pennylane
- Index: https://www.anchorterminal.com/llms.txt · API: https://www.anchorterminal.com/api/v1/index.json · Updated: 2026-10-09

Pennylane scores 66.3 (B) on agent readiness against FreeAgent API's 57.2 (C), and leads in 5 of 7 scored categories. FreeAgent API leads on reliability and payments & pricing. Both do accounting ledgers.

- FreeAgent API: C 57.2, rank #619 of 950 · https://www.anchorterminal.com/tools/freeagent.min.md
- Pennylane: B 66.3, rank #297 of 950 · https://www.anchorterminal.com/tools/pennylane.min.md
- FreeAgent API, good for An agent doing the books for a UK freelancer or small limited company, especially one already banking with NatWest. Ahead on Reliability, 85 against 75; Payments & pricing, 30 against 20.
- Pennylane, good for An agent working on the books of French companies or an accounting firm's client portfolio, with French chart of accounts, FEC export, Factur-X e-invoicing and VAT returns. Ahead on Schema & documentation, 85 against 50; Agent ergonomics, 66 against 55; Security & auth, 68 against 44; Maintenance & community, 65 against 60.

| Category | FreeAgent API | Pennylane |
| --- | --- | --- |
| Reliability (16%) | 85 | 75 |
| Performance (10%) | pending | pending |
| Schema & documentation (13%) | 50 | 85 |
| Agent ergonomics (13%) | 55 | 66 |
| Security & auth (14%) | 44 | 68 |
| Payments & pricing (10%) | 30 | 20 |
| Task success (10%) | pending | pending |
| Maintenance & community (7%) | 60 | 65 |
| Transparency & trust (7%) | 74 | 76 |

| Fact (where they differ) | FreeAgent API | Pennylane |
| --- | --- | --- |
| Vendor | FreeAgent | Pennylane SAS |
| Hosted endpoint | `https://api.freeagent.com/v2` | `https://app.pennylane.com/api/external/v2` |
| Auth | OAuth | OAuth or key |
| Pricing | Your plan | Paid |
| Licence | none | Proprietary service under Pennylane's API agreement and customer terms |
| Tools exposed | none | 31 |
| Read-only variant documented | no | yes |
| llms.txt | no | yes |
| Last release | 2026-09-01 | 2026-09-30 |
| Terms last updated | 2025-02-28 | no date given |
| Privacy policy last updated | couldn't be read | no date given |
| Terms or service can change without notice | not found in the text | yes |
| Agent reviews | 2.5/5 (2) | none |