Capium vs Sage Accounting UK 2026: Which Should You Choose?

Capium and Sage Accounting are both UK-focused, HMRC-recognised cloud platforms, but they target very different buyers. Capium is an all-in-one practice suite built for UK accounting firms, bundling bookkeeping, accounts production, corporation tax, self assessment, payroll and practice management onto one client database. Sage Accounting is a cloud bookkeeping product aimed at sole traders, micro-businesses and small limited companies, sold as a three-tier monthly subscription with bundled payroll. This comparison walks through pricing, features, MTD readiness, integrations and the user scenarios each one fits. Visit Capium for the practice suite trial, or visit Sage Accounting for the small-business plans.

Quick verdict

• Capium is best for: UK accounting practices and bookkeepers who want a single supplier across compliance and workflow, with one login covering bookkeeping, accounts production, tax filings, payroll and practice management.
• Sage Accounting is best for: UK small businesses, contractors and CIS firms wanting cloud bookkeeping with bundled payroll and native CIS handling at small-business pricing.

No overall winner is declared. The right pick depends on whether the buyer is a practice consolidating its tech stack or a small business looking for a single bookkeeping subscription.

At a glance comparison

Feature	Capium	Sage Accounting
Primary buyer	UK accounting practice	UK small business or sole trader
Deployment	Cloud (browser, hosted on Microsoft Azure)	Cloud, plus iOS and Android mobile apps
Country focus	UK only	UK and Ireland
Headline price	From £140/month (Small base plan, up to 100 clients) plus modules from £20/month	From £15/month (Start), £30 (Standard), £59 (Plus), all plus VAT
Pricing model	Base plan banded by client count plus per-module add-ons	Three flat monthly tiers per business
User licences	Unlimited on every base plan	1 (Start), 3 (Standard), unlimited (Plus)
MTD for VAT	HMRC-recognised	HMRC-recognised
MTD for ITSA	Functionality in place ahead of April 2026 mandate	HMRC-recognised, ITSA workflow live
Bookkeeping	Yes, with TrueLayer Open Banking feeds (£1.50 per feed/month)	Yes, with Open Banking feeds included
Payroll	Yes, full UK payroll module with RTI and auto-enrolment	Bundled cloud payroll (1 employee on Start/Standard, 5 on Plus)
Accounts production	Yes (FRS 102, FRS 102 1A, FRS 105, partnerships, sole traders)	No, requires Sage Final Accounts or third-party tool
Corporation tax (CT600)	Yes, direct submission to HMRC	No, requires Sage Corporation Tax or TaxCalc
Self assessment (SA100)	Yes, direct submission with main supplementary pages	Not native to Sage Accounting; via Sage Personal Tax for accountants
CIS	Reverse charge VAT, CIS300 monthly returns via payroll	Native CIS contractor and subcontractor support on Standard and Plus
Practice management	Yes, included as a Premium add-on module	Not applicable; Sage for Accountants is a separate practice portal
App marketplace	Smaller, accountant-focused integrations	Around 100 apps via the Sage Marketplace
Contract	12 months with 30 days’ notice	Monthly rolling subscription
Support	Six days a week, free setup included	UK phone support 8am to 8pm weekdays, plus live chat

Pricing compared

The two products use different pricing logics, which makes a like-for-like number harder than usual. Capium charges by practice (base plan plus modules); Sage Accounting charges by business.

Capium pricing

Capium’s base suite plans are tiered by client count: £140/month for up to 100 clients (Small), £280/month for up to 300 (Medium), £420/month for up to 500 (Large), and a custom Enterprise quote above that. All base plans include unlimited users, free setup and six-day support. Standard modules (Bookkeeping with MTD VAT, Accounts Production, Corporation Tax, Self Assessment, Payroll) are priced from £20/month each on the Small tier, rising to £40 on Medium and £60 on Large. Premium modules (Practice Management, Company Secretarial, Time and Fees) start at £40 to £50/month on Small. Bank feeds via TrueLayer cost £1.50 plus VAT per feed per month. The standard contract is 12 months with 30 days’ notice to cancel. All prices exclude VAT.

Sage Accounting pricing

Sage Accounting in the UK runs on three flat monthly tiers: Start at £15/month plus VAT (1 user, sole-trader feature set), Standard at £30/month plus VAT (3 users, CIS, quotes, purchase orders), and Plus at £59/month plus VAT (unlimited users, multi-currency, inventory). Bundled payroll is included on every plan, with allowances of one employee on Start and Standard and five on Plus, plus around £1.50 per additional employee per month. Promotional discounts of 50 to 90 per cent for the first three to six months run almost continuously. Contracts are monthly rolling.

Worked example: a 50-client sole practitioner

A sole practitioner with 50 clients buying Capium’s Small base plan plus Bookkeeping with MTD VAT, Accounts Production, Corporation Tax, Self Assessment and Payroll would pay roughly £140 plus five modules at £20 each, totalling £240/month plus VAT. Adding Practice Management at £40/month lifts that to about £280/month, and 30 connected bank feeds adds another £45, taking the total to roughly £325/month plus VAT, or about £6.50 per client per month all-in.

That same practitioner could not buy Sage Accounting on a per-practice basis. Sage Accounting is sold to the end client (the business), not to the practice. If the practitioner wanted Sage Accounting for each of those 50 clients on Standard at £30/month, the gross cost across all clients would be £1,500/month, although this is normally paid by the client, not the practice. The practice itself would still need separate accounts production and tax filing software, typically Sage Final Accounts and Sage Corporation Tax through Sage for Accountants.

Worked example: a small limited company with three employees

A two-director limited company with three employees, VAT-registered and on basic stock, fits the Sage Accounting Standard plan at £30/month plus VAT, plus around £3 for the two payroll employees beyond the bundled allowance, totalling roughly £33/month or £396/year at list. The same business could not buy Capium directly; Capium is sold to the firm’s accountant, who would then run that business’s books inside the suite as one of the practice’s clients.

The practical takeaway is that these are not substitutes for the same buyer. A practice picks Capium to run multiple clients; a small business picks Sage Accounting to run its own books.

Feature-by-feature

Bookkeeping

How Capium handles it: Bookkeeping is the data foundation of the suite. It supports manual journals, sales and purchase invoicing, multi-currency, customisable nominal coding and bank reconciliation. Bank feeds run through TrueLayer under PSD2 Open Banking, refreshing every 24 hours, and cover the major UK high-street banks plus Starling, Monzo, Tide and Revolut. Bank feeds are charged at £1.50 plus VAT per feed per month rather than included.

How Sage Accounting handles it: Sage Accounting offers unlimited sales invoicing on every plan, scheduled recurring invoices, payment links via Stripe and GoCardless, and Open Banking feeds covering Barclays, HSBC, Lloyds, NatWest, Santander, Monzo, Starling, Revolut, Tide and most other UK banks. Bank feeds are included at no extra cost. Sage’s bank rules engine learns categorisations and applies them automatically; Sage Copilot suggests rules based on historic activity.

Verdict on this feature: Both cover the bookkeeping fundamentals competently. Sage Accounting includes bank feeds in the base price and ships a more polished invoicing UI; Capium itemises bank feeds separately, but its data flows directly into accounts production and tax submissions inside the same suite, which is the structural advantage for practices.

Invoicing and quotes

How Capium handles it: Invoices can be branded with the firm’s logo and emailed direct from the system. Recurring invoices, credit notes, partial payments, customer statements, ageing reports and credit control workflows are built in. Capium supports the UK VAT schemes (standard, flat rate, cash) and the CIS reverse charge.

How Sage Accounting handles it: Unlimited sales invoices on every plan with customisable templates, scheduled recurring invoices, automatic chasing for overdue invoices, and payment links via Stripe and GoCardless. Quotes and estimates with one-click conversion to invoice are restricted to Standard and Plus. Multi-currency invoicing with live FX rates is Plus-only.

Verdict on this feature: Sage Accounting is more polished for the small-business invoicing experience; Capium’s invoicing serves the practice and clients but the design language is more functional than decorative.

VAT and MTD

How Capium handles it: MTD VAT submission is built into the bookkeeping module and HMRC-recognised. Standard, flat-rate and cash schemes are supported, plus CIS reverse charge. The VAT return is generated from the underlying records, reviewed on screen, and submitted to HMRC with one click.

How Sage Accounting handles it: MTD for VAT is built in on all three plans and HMRC-recognised, with no bridging software needed. Standard rate, flat rate and cash accounting schemes are supported, alongside EC sales lists, postponed VAT accounting and the domestic reverse charge for construction.

Verdict on this feature: Both clear the MTD for VAT bar with no need for bridging tools. Sage Accounting includes MTD for VAT on its £15 Start plan, which is a low entry point for compliance-only buyers.

Reporting

How Capium handles it: Reporting is split across modules, with management accounts coming from bookkeeping, statutory accounts from accounts production, and tax computations from the CT and SA modules. The integrated trial balance is the through-line. Independent reviewers have noted that reporting depth in some Capium modules is less polished than the equivalent in Sage or IRIS.

How Sage Accounting handles it: Profit and loss, balance sheet, trial balance, aged receivables and payables, and VAT detail are all standard. Standard and Plus add cash flow forecasting and customisable P&L by category. Plus adds project profitability and departmental budgets. Reports can be filtered, exported to CSV or PDF, and scheduled. Depth sits below Xero on advanced analytics.

Verdict on this feature: Sage Accounting’s reporting is broader for management reporting at the small-business end; Capium’s strength is that statutory reports flow straight into Companies House and HMRC submissions without re-keying.

Payroll

How Capium handles it: A full UK payroll module covering weekly, fortnightly, four-weekly and monthly pay runs, FPS and EPS RTI submissions, payslips, P60s, P45s, statutory payments (SSP, SMP, SPP, ShPP, SAP), salary sacrifice and auto-enrolment with eligibility tracking. Multi-employer payroll is supported, which matters for bureau-style practices running payroll for client companies. Priced as a standard module from £20/month on the small tier.

How Sage Accounting handles it: Bundled payroll is included on every plan at no extra subscription cost. The bundled allowance is one employee on Start and Standard, five on Plus, with extras at around £1.50/month each. Handles RTI, auto-enrolment uploads to NEST, The People’s Pension and Smart Pension, P60s, P45s, statutory pay and CIS deductions. Sage 50 Payroll is a separate, more advanced desktop product.

Verdict on this feature: Capium’s payroll is built for bureau use across many clients; Sage Accounting’s bundled payroll is tuned to the single business with a small headcount. Both meet HMRC requirements; the buyer profile decides which is appropriate.

Self assessment and corporation tax

How Capium handles it: Self Assessment covers SA100 plus the main supplementary pages (SA103, SA104, SA105, SA108, SA102), and submits direct to HMRC. Corporation tax produces CT600 returns and computations, handles supplementary pages, and submits to HMRC. Both modules use 2025/26 rates and thresholds, with marginal relief built into CT.

How Sage Accounting handles it: Sage Accounting itself does not file CT600s or SA100s natively. Limited companies typically pair it with Sage Corporation Tax, Sage Final Accounts or third-party tools such as TaxCalc. This matches how Xero and QuickBooks Online operate in the UK.

Verdict on this feature: This is one of the clearest divides. Capium’s CT and SA submissions are inside the suite; Sage Accounting needs additional Sage modules or third-party tools for tax filing.

CIS

How Capium handles it: The bookkeeping module handles the CIS reverse charge for VAT, CIS deductions are tracked against subcontractor records, and CIS300 monthly returns are supported through the payroll module.

How Sage Accounting handles it: Native CIS contractor and subcontractor functionality is built into the Standard and Plus plans, with monthly CIS300 returns, subcontractor verification and automatic deduction calculations on invoices. The Start plan does not include CIS.

Verdict on this feature: Both cover CIS competently for their intended buyer. Sage Accounting’s CIS handling is one of its clearest commercial strengths against rivals like Xero and QuickBooks Online, where CIS often needs an add-on.

Practice management

How Capium handles it: A built-in Premium module, with deadline calendar pulling statutory dates from each client record, task management with reminders, document management with e-signature via the bundled CapiSign, and timesheet feeds into the Time and Fees module. The CRM holds standing data for clients and prospects. Email triage is the weak point; there is no native two-way Outlook or Gmail sync of the kind Karbon offers.

How Sage Accounting handles it: Sage Accounting itself is not a practice management product. Accountants use Sage for Accountants, the dedicated practice portal that links Sage Accounting client files to Sage Final Accounts, Sage Corporation Tax, Sage Personal Tax and Sage Payroll with a multi-client dashboard. This is closer to a connected suite than a true workflow tool.

Verdict on this feature: Capium genuinely offers practice management inside the platform; Sage Accounting does not. Practices choosing Sage normally still need a separate workflow product such as Karbon, Senta or AccountancyManager.

Support

How Capium handles it: Six-days-a-week support included, with free setup and onboarding bundled into every base plan.

How Sage Accounting handles it: UK-based phone support included on all plans, available 8am to 8pm on weekdays, plus live chat.

Verdict on this feature: Both are UK-supported. Sage’s call-centre operation is larger and more tested at volume; Capium’s is more practice-focused.

MTD and compliance comparison

Both platforms are HMRC-recognised across the MTD scope they cover, but the scope is different.

Capium covers MTD for VAT (live, recognised), MTD for Income Tax Self Assessment (functionality in place ahead of the 6 April 2026 mandate, with the £50,000 threshold for self-employment and property income from that date, the £30,000 threshold from April 2027, and the £20,000 threshold from April 2028), CT600 direct submission, PAYE RTI, and Companies House iXBRL filing. Because the suite covers the full chain from records to filing, no bridging software is needed.

Sage Accounting covers MTD for VAT (recognised, on all three plans) and MTD for ITSA (recognised, with the workflow live and Sage having participated in the HMRC pilot). Corporation tax filing and statutory accounts production are not native; the practice or business pairs Sage Accounting with Sage Final Accounts, Sage Corporation Tax or third-party tools like TaxCalc.

For a UK accounting practice wanting a single MTD-compliant tool across VAT, ITSA, CT, PAYE and Companies House, Capium is end-to-end. For a UK small business wanting MTD for VAT and ITSA on its own books, Sage Accounting is end-to-end inside its scope.

Integration ecosystems

Capium’s third-party app catalogue is smaller and more accountant-focused. The notable connections are bank feeds via TrueLayer (all major UK banks plus challenger banks), direct Companies House filing for accounts and confirmation statements, direct HMRC submission for VAT, ITSA, CT600 and PAYE, plus trial balance imports from Xero, QuickBooks, Sage and Excel into accounts production. Receipt and expense capture is limited; many practices use a separate tool and import the data.

Sage Accounting connects to roughly 100 third-party applications via the Sage Marketplace. Bank feeds via Open Banking cover all major UK banks. Payments connect via Stripe, GoCardless, PayPal and Sage Pay. Receipt capture is via AutoEntry (Sage-owned), Dext and Hubdoc. E-commerce reaches Shopify, WooCommerce, Amazon and eBay (mostly via A2X or Link My Books). POS and time tracking pull in Lightspeed, Square and MinuteDock. CRM connects to Salesforce and HubSpot via Zapier-style connectors. The catalogue is materially smaller than Xero’s 1,000-plus, which is the fair criticism; it is broader than Capium’s for the small-business stack.

The overlap is in the bank-feed layer (both cover the standard UK list well) and in trial balance interoperability (Capium accepts trial balance imports from Sage among others). Where they diverge is in the surrounding ecosystem: Sage Accounting plugs into a wider commerce and operations stack; Capium plugs into the accountant’s own filing and workflow stack.

Pros and cons of each

Capium pros

• Single integrated database from bookkeeping through accounts production to CT600 and SA100 with no rekeying.
• HMRC-recognised across MTD VAT, PAYE RTI, Self Assessment and Corporation Tax, with MTD for ITSA functionality live ahead of April 2026.
• Module-based pricing lets practices buy only what they need, starting at £20/month per module on the small tier.
• Unlimited user licences on every base plan.
• Companies House recognised supplier with direct iXBRL accounts filing.
• Practice management included as a Premium add-on, with deadline tracking and CapiSign e-signature.
• UK-only product focus keeps legislation, tax codes and forms current.
• Free setup and onboarding included on every base plan.

Capium cons

• Interface has been reported as feeling sluggish on the client side, particularly at high transaction volumes.
• Adding multiple modules pushes the monthly cost up quickly for a small practice.
• Practice management lacks native Outlook or Gmail email integration.
• Smaller third-party app ecosystem than the leading cloud bookkeeping platforms.
• Bank feeds itemised at £1.50 per feed per month rather than included.
• Per-client economics scale steeply for very large firms; Enterprise is custom-quoted.
• Twelve-month minimum contract on the suite.

Sage Accounting pros

• HMRC-recognised for both MTD for VAT and MTD for ITSA, with the ITSA workflow already live.
• Bundled payroll on every plan with no extra base subscription.
• Native CIS contractor and subcontractor support on Standard and Plus.
• UK-based phone support 8am to 8pm weekdays, plus live chat.
• Sage Copilot AI included free on every plan, with bank coding suggestions and natural-language reporting.
• Strong recognition among UK-trained accountants and bookkeepers.
• Open Banking feeds with all major UK banks at no extra cost.
• Monthly rolling contracts.

Sage Accounting cons

• Marketplace of around 100 apps is significantly smaller than Xero’s 1,000-plus.
• Step from Standard (£30) to Plus (£59) is steep and triggered by inventory, multi-currency or unlimited users.
• No native time tracking; project time has to be captured through an integration.
• Bundled payroll caps employees on the cheaper plans.
• Sage Accounting does not unify with Sage 50 or Sage 200 data.
• Reporting depth is below Xero on advanced analytics.
• No native CT600 or SA100 filing inside Sage Accounting itself.

Pick Capium if…

• You are a UK accounting practice consolidating from a stack of separate tools (Xero plus IRIS plus a payroll tool plus a workflow product) onto one supplier and one client database.
• You run between 50 and 500 clients and the per-client suite economics work in your favour.
• You want to handle MTD for ITSA submissions in-house from April 2026 without adding a separate ITSA bridging product.
• You want one supplier covering Companies House filing, HMRC submissions and PAYE RTI through one workflow.
• You value UK-only product focus and need British legislation kept current as a priority.
• Unlimited user licensing on a per-firm basis matters for the size and growth of your team.
• You want practice management functionality built in rather than purchased separately.

Pick Sage Accounting if…

• You are a UK sole trader, freelancer or micro-business preparing for MTD for ITSA in April 2026 and want HMRC-recognised software at the lowest tier.
• You run a small limited company in the construction sector and need CIS contractor or subcontractor handling without paying for a CIS add-on.
• You employ between one and five people and want payroll bundled into the same subscription rather than paying for a standalone product.
• You value UK-based phone support and a UK-listed vendor with long market presence.
• Your accountant or bookkeeper is Sage-trained and works through the Sage for Accountants client portal.
• You are already on Sage Payroll or Sage HR and want the connected accounting product from the same vendor.
• You want a monthly rolling contract rather than a 12-month commitment.

Pick neither if…

Capium and Sage Accounting are both sensible UK choices but they will not fit every buyer.

If you are a contractor or freelancer working through a personal service company, FreeAgent is built specifically for that scenario, includes Self Assessment filing for directors, and is free with a NatWest, Royal Bank of Scotland, Ulster Bank or Mettle business account.

If you need a deep third-party app stack for e-commerce, advanced inventory, project management or industry-specific tooling, Xero’s 1,000-plus marketplace is materially larger than either Capium or Sage Accounting and will give the most flexibility.

If you are a practice that runs heavily on email-driven workflow and triage, Karbon’s email-centric model will fit better than Capium’s practice management module, and Sage Accounting is not a practice management product at all.

If you are a business with 50-plus employees, batched stock movements or branch-based inventory, Sage 50 Accounts (the desktop product) handles the depth properly; Sage Accounting Plus does not, and Capium is built for accountants rather than for the business itself.

If you are price-sensitive and only need basic invoicing and bank reconciliation, Wave (free), Pandle (free tier) or Bokio (free tier) cover the basics at zero cost.

Comparable software

Because Capium and Sage Accounting sit on different sides of the small-business and practice divide, the comparable shortlist for each looks different. On the practice side, the alternatives to Capium are typically Karbon, Senta, AccountancyManager, IRIS Practice Management, CCH iFirm and TaxCalc Practice Manager, often combined with a leading cloud bookkeeping product like Xero or QuickBooks Online for the client books. On the small-business side, the alternatives to Sage Accounting are Xero, QuickBooks Online, FreeAgent, KashFlow, Zoho Books and the desktop Sage 50 product. Some practices land on Capium as the all-in-one; others build a stack of Xero or QuickBooks Online plus a dedicated practice manager. The cards below show platforms drawn automatically from shared categories.

FAQs

Is Capium the same kind of product as Sage Accounting?

No. Capium is an all-in-one practice suite sold to UK accounting firms, covering bookkeeping, accounts production, tax filings, payroll and practice management on one client database. Sage Accounting is a cloud bookkeeping product sold to small businesses, sole traders and contractors. They overlap on bookkeeping but serve different buyers.

Which one is HMRC-recognised for MTD?

Both are. Capium is HMRC-recognised for MTD VAT, has MTD for ITSA functionality in place ahead of the April 2026 mandate, and submits CT600 and PAYE RTI directly. Sage Accounting is HMRC-recognised for both MTD for VAT and MTD for ITSA, with the ITSA workflow already live following its participation in the HMRC pilot.

Can Capium replace Sage Accounting for a small business?

Not directly. Capium is sold to accounting firms rather than to end-business buyers. A small business would typically use Capium only if its accountant runs the practice on Capium and provides the client a login. Sage Accounting is sold direct to the business owner.

Can Sage Accounting replace Capium for a practice?

Only partly. Sage Accounting handles client bookkeeping but does not file CT600 or SA100 returns, does not produce statutory accounts and is not a practice management tool. A practice on Sage Accounting needs to add Sage Final Accounts, Sage Corporation Tax and Sage Personal Tax through Sage for Accountants, plus a separate workflow product, to match what Capium delivers in one suite.

Which one is cheaper?

For an end business, Sage Accounting is far cheaper, starting at £15/month plus VAT on the Start plan. Capium is not sold per business; the comparable cost for a practice running Capium across 100 clients is around £240 to £325/month plus VAT for the suite, or roughly £2.50 to £6.50 per client per month depending on module selection and bank feeds. The two are not directly comparable on price.

Which one has better integrations?

Sage Accounting has a broader marketplace at around 100 apps, including expense capture (AutoEntry, Dext, Hubdoc), e-commerce (Shopify, WooCommerce, Amazon, eBay) and payments (Stripe, GoCardless, PayPal). Capium’s integrations are narrower and more accountant-focused, though it accepts trial balance imports from Xero, QuickBooks, Sage and Excel into accounts production for migration purposes.

Does either handle CIS?

Both do, in different ways. Capium handles the CIS reverse charge for VAT in bookkeeping, tracks deductions against subcontractors, and supports CIS300 monthly returns through the payroll module. Sage Accounting offers native CIS contractor and subcontractor support on the Standard and Plus plans, with monthly CIS300 returns and subcontractor verification.

Which one is better for ITSA in April 2026?

Both are HMRC-recognised. For an end taxpayer with self-employment or property income above £50,000, Sage Accounting’s ITSA workflow is live and the Start plan handles quarterly submissions at £15/month. For a practice filing ITSA on behalf of many clients, Capium’s integrated suite removes the rekeying step between bookkeeping and the ITSA quarterly submission, which matters at scale.

Which one runs UK phone support?

Both do. Capium offers six-days-a-week support with free setup. Sage Accounting includes UK-based phone support on every plan, available 8am to 8pm on weekdays, plus live chat.

Can I use both side by side?

Yes. A common pattern is a UK practice running Capium for compliance and workflow internally while accepting clients whose own books sit on Sage Accounting (or Xero, or QuickBooks). Capium’s Accounts Production module accepts trial balance imports from Sage, which lets the practice take statutory accounts and CT600 work into Capium without forcing the client to migrate their bookkeeping.

Final summary

Capium and Sage Accounting are both credible, HMRC-recognised UK platforms, but the comparison only makes sense if the buyer profile is held in mind. Capium is a practice suite. Its commercial proposition is one supplier, one client database, and an integrated workflow from bookkeeping through accounts production to filed CT600 and statutory accounts, with practice management bolted in. For UK practices in the 50 to 500 client range that want to consolidate from a multi-vendor stack, the suite is one of the few credible single-supplier options on the British market.

Sage Accounting is a small-business cloud bookkeeping product. Its commercial proposition is bundled payroll, native CIS at Standard and Plus, full MTD for VAT and ITSA recognition, UK phone support, and Sage Copilot AI included on every plan. For a UK sole trader, micro-business or small limited company, the all-in monthly price comfortably undercuts comparable Xero plus payroll combinations at list pricing. The two products genuinely solve different problems, and the right pick is the one whose buyer profile matches. Visit Capium for the practice suite trial, or visit Sage Accounting for the small-business plans.