Accountancy fees for a limited company: fixed monthly packages from £195
Accountancy pricing is usually hidden behind a "request a quote" form. Ours isn't. Below are the actual monthly fees, what each package includes, and — just as importantly — what it doesn't.
How much does an accountant cost for a limited company?
Lumi's fixed monthly fees start at £195 a month for a limited company on Lite, £275 for Core and £395 for Complete. Those starting prices are for businesses turning over up to £250k — larger businesses are priced within a band for their turnover, shown below. All three include a Xero subscription, statutory accounts, corporation tax, director's payroll and the director's personal Self Assessment. There is no separate year-end invoice. Email support is included on Lite and Core, with unlimited phone support on Complete.
Prices exclude VAT. Correct for the 2026/27 tax year · last reviewed October 2026 · Chris Sullivan ACA
| Included | Lite from £195/mo | Core from £275/mo | Complete from £395/mo |
|---|---|---|---|
| Xero subscription | Included | Advanced | Advanced |
| Statutory accounts & corporation tax | Yes | Yes | Yes |
| Director's payroll | Yes (1) | Yes | Yes |
| Director's Self Assessment | Yes (1) | Yes | Yes |
| Monthly bank reconciliation | Up to 50 | Up to 150 | Set by turnover band |
| Quarterly VAT returns (MTD) | — | Yes | Yes |
| Team payroll | — | Up to 5 | Larger teams |
| Full bookkeeping | — | — | Yes |
| Management accounts | — | — | Monthly (quarterly from £1m turnover) |
| Strategy & tax review meetings | — | — | Quarterly |
| Support | Unlimited phone |
Swipe to compare packages →
"Yes (1)" means one director. Every package includes your director's payroll and personal Self Assessment return; if your company has more than one director, we'll quote for the additional returns.
Accountancy fees by turnover: what you'll pay as you grow
Pick your sector to see its bands. Your fee is fixed once agreed. Most businesses land in the lower half of their band. The upper half is for records that need tidying, larger teams, or anything that takes extra work, such as overseas sales, foreign currencies or income invoiced in advance.
Standard packages by turnover
| Annual turnover | Lite | Core | Complete |
|---|---|---|---|
| Up to £250k | £195–£245 | £275–£330 | £395–£475 |
| £250k–£500k | £245–£300 | £330–£415 | £475–£575 |
| £500k–£1m | £300–£360 | £415–£525 | £575–£725 |
| £1m–£2m | £360–£440 | £525–£625 | £725–£875 |
| Over £2m | Specific quote | Specific quote | Specific quote |
Hospitality by turnover
| Annual turnover | Lite | Core | Complete |
|---|---|---|---|
| Up to £250k | £220–£275 | £360–£440 | £525–£625 |
| £250k–£500k | £275–£330 | £440–£550 | £625–£800 |
| £500k–£1m | £330–£415 | £550–£650 | £800–£975 |
| £1m–£2m | £415–£495 | £650–£800 | £975–£1,175 |
| Over £2m | Specific quote | Specific quote | Specific quote |
Construction by turnover
| Annual turnover | Lite | Core | Complete |
|---|---|---|---|
| Up to £250k | £275–£330 | £470–£550 | £725–£850 |
| £250k–£500k | £330–£415 | £550–£725 | £850–£1,075 |
| £500k–£1m | £415–£525 | £725–£850 | £1,075–£1,325 |
| £1m–£2m | £525–£625 | £850–£1,050 | £1,325–£1,625 |
| Over £2m | Specific quote | Specific quote | Specific quote |
Monthly fees, excluding VAT. You'll have your exact fee in writing before you sign, and it won't change during the year unless your business moves into a different band — which we'd always discuss with you first. From £1m turnover, Complete includes quarterly management accounts, with monthly available as an upgrade.
“Chris was brilliant. He helped me fix some messy VAT issues right at the start and has been incredibly responsive ever since. Proactive, professional, and highly recommended!”
“I spoke with half a dozen different accountants. Lumi were the only accountancy that consistently provided me with timely responses, enabling me to make effective business decisions quickly.”
“Chris has already made a great impact on the structure of our company bookkeeping and accounts. Really impressed.”
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Hospitality and construction are priced differently
Both sectors carry compliance the standard packages don't cover — tronc and tips in hospitality, CIS and the VAT domestic reverse charge in construction — so they're priced separately. E-commerce businesses stay on the standard packages above, with channel reconciliation and VAT review built in.
| Sector | Lite | Core | Complete | Covers |
|---|---|---|---|---|
| Hospitality | from £220/mo | from £360/mo | from £525/mo | Tronc schemes, tips and NIC, VAT on food and drink, rota-driven payroll (from Core), cash controls |
| Construction | from £275/mo | from £470/mo | from £725/mo | CIS returns and verification, VAT domestic reverse charge, retentions, job costing, long-term contracts |
As with the standard packages, the starting prices are for businesses turning over up to £250k, and larger businesses are priced within a band.
Full turnover bands for both sectors are in the fees by turnover table above — use the Hospitality or Construction switch.
Monthly fees, excluding VAT.
What the monthly fee doesn't cover
Every fixed-fee accountant has a boundary. Here's ours, in writing, so it isn't a surprise later. Anything below is quoted before we start — never invoiced afterwards without agreement.
- HMRC enquiry or investigation representation beyond routine correspondence
- Statutory audit (we'll refer you to a registered auditor)
- Share reorganisations, incorporations after year one, and company restructuring
- One-off advisory projects — business sale or purchase, valuations, forecasting models
- Catch-up bookkeeping for periods before you joined us
Accountancy fee questions, answered
Get a fixed figure, not a range
Tell us about your business on a free 30-minute call and we'll confirm which package fits and what it costs. No obligation.