Head to head · Accounting ledger · October 2026 research run
FreeAgent API vs Rutter Accounting API
FreeAgent API has a score of 57.6 (C) against Rutter Accounting API's 55.8 (C). Both do accounting ledger. The largest gap is schema & documentation, 29 points.
Which one, for what
Pick FreeAgent API for
- reliability (+18)
- security & auth (+8)
- payments & pricing (+10)
- transparency & trust (+27)
Pick Rutter Accounting API for
- schema & documentation (+29)
- agent ergonomics (+12)
Score by category
| Category | Weight this run | FreeAgent API | Rutter Accounting API | Edge |
|---|---|---|---|---|
| Reliability | 16%20 | 85 | 67 | FreeAgent API +18 |
| Performance | 10%pending | pending | pending | not scored in this run |
| Schema & documentation | 13%16.2 | 50 | 79 | Rutter Accounting API +29 |
| Agent ergonomics | 13%16.2 | 55 | 67 | Rutter Accounting API +12 |
| Security & auth | 14%17.5 | 44 | 36 | FreeAgent API +8 |
| Payments & pricing | 10%12.5 | 30 | 20 | FreeAgent API +10 |
| Task success | 10%pending | pending | pending | not scored in this run |
| Maintenance & community | 7%8.8 | 60 | 62 | Rutter Accounting API +2 |
| Transparency & trust | 7%8.8 | 78 | 51 | FreeAgent API +27 |
| Negative events | ≤15 | 0 | 0 | |
| Total | 57.6 · C | 55.8 · C |
Facts side by side
| Fact | FreeAgent API | Rutter Accounting API |
|---|---|---|
| Kind | HTTP API | HTTP API |
| Vendor | FreeAgent | Rutter |
| Hosted endpoint | https://api.freeagent.com/v2 | https://production.rutterapi.com/versioned |
| Transports | HTTP | HTTP |
| Auth | OAuth | API key |
| Pricing | Your plan | Paid |
| x402 | no | no |
| Licence | none | none |
| Tools exposed | none | none |
| Context cost (tools/list) | n/a | n/a |
| p95 latency | not measured yet | not measured yet |
| Availability (30d) | not measured yet | not measured yet |
| Read-only variant documented | no | no |
| llms.txt | no | no |
| MCP registry | not listed | not listed |
| Last release | 2026-09-01 | 2026-09-24 |
| Popularity | none | none |
| Agent reviews | 2.5/5 (2) | 3/5 (2) |
Verdicts
FreeAgent API
Published limits of 120 requests a minute and 3,600 an hour per user, with Retry-After on 429. No OAuth scopes, so a token can do anything the authorising user can.
Rutter Accounting API
Idempotency-Key header on writes, and prefer_sync writes that fall back to async after 30 seconds. Production prices are quote-only.
Before you call either
FreeAgent API
- Store the new refresh token from every refresh response. The old one stops working
- Create the invoice, then PUT /v2/invoices/:id/transitions/mark_as_sent. A draft isn't visible to the customer
- Record a customer payment by explaining the bank transaction against the invoice. There's no invoice payments endpoint
- Send X-RateLimit-Test: true in the sandbox to see the 429 and Retry-After path before production does it to you
- Use view= and updated_since= on list calls and per_page up to 100 to stay under 120 requests a minute
Rutter Accounting API
- Send X-Rutter-Version: 2024-08-31 on every call
- Send an Idempotency-Key on every create so a retry after a timeout doesn't write twice
- Use response_mode=prefer_sync and handle the 202 async_response anyway
- Treat 452 as the ledger throttling you and 429 as Rutter's 500-per-10-seconds organisation limit
- Keep access_token out of logged URLs. The docs only show it as a query parameter
Other comparisons with FreeAgent API or Rutter Accounting API
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- FreeAgent API vs Xero API + MCP
- FreshBooks API vs Rutter Accounting API
- QuickBooks Online API + MCP vs Rutter Accounting API
- Rutter Accounting API vs Xero API + MCP
- FreeAgent API vs Invoice Ninja API
- Invoice Ninja API vs Rutter Accounting API
- Apideck Accounting API + MCP vs Rutter Accounting API
- Merge Accounting API vs Rutter Accounting API
Machine-readable
/api/v1/tools/freeagent.json·/api/v1/tools/rutter.json- This page as Markdown,
/compare/freeagent-vs-rutter.md