Answer 2 quick questions. We'll show you the HMRC-recognised options that fit you, free ones first.
Updated 24 October 2026. We may earn a commission from some links (marked Ad). It never changes the order free options are shown in.
Confirm with HMRC's own tool: Check if you're eligible for Making Tax Digital for Income Tax (gov.uk) ↗
What do you earn from?
General information, not tax advice. Check HMRC guidance for your situation.
Cards marked Ad are affiliate links: we may be paid if you sign up. Prices were checked on each provider's own website on 24 October 2026 and may change. “On HMRC's list” means the product appeared in HMRC's software finder on that date. HMRC does not recommend any product.
Suits: sole traders and landlords with straightforward records
From £0 (Sole Trader Free / Property Free)
Suits: sole traders and landlords who bank with NatWest, RBS, Ulster Bank or Mettle
£0 with an eligible business account
Suits: spreadsheet users — sole traders and UK landlords
£0 for quarterly updates and the tax return
Suits: sole traders and UK landlords; also works as bridging from records
From £0 (Pandle free plan)
Suits: spreadsheet users with business and/or property income
£0 for individuals doing their own tax
Suits: sole traders and UK landlords who want a business account with tax filing built in
From £0/month (ANNA Free plan)
Suits: UK landlords with a few properties
MTD Go: £0 + £5 per MTD submission (1–3 units). Pro: £15/month + VAT
Suits: sole traders and landlords who want full accounting, bank feeds and invoicing
From £7/month + VAT (£8.40 inc. VAT, Simple plan)
Suits: sole traders who want a business account with built-in bookkeeping
From £5/month (up to £750 deposits a month) after a 3-month free trial
Suits: anyone not in MTD yet who wants guided help with their annual return
From £69.99 per tax year inc. VAT (subscription, 1 return)
Suits: people who want a UK accountant to prepare and file their Self Assessment
From £99 for new customers (T&Cs apply)
No free options match this choice. Turn off “Free options only” to see paid ones.
HMRC's software finder also listed these products with a free version on 24 October 2026. We haven't checked their features or limits, so look at what each one covers: Sage Sole Trader & Landlord Free, Coconut Free, Zoho, Monzo, Starling, Lloyds Bank, Tide Accounting, SumUp Accounting, RentalBux Free, PaTMa Property Manager, GetGround, Aligned.tax MTD for Spreadsheets, My Tax Digital (Free), Quarterwise, Keepr, IQ Books and others. Use HMRC's software finder ↗
You can use more than one product, for example one for records and another for the tax return, but only one product for each submission. Source: gov.uk, Choose the right software for MTD for Income Tax ↗
| Qualifying income over | In tax year | You must use MTD from |
|---|---|---|
| £50,000 | 2024/25 | 6 April 2026 |
| £30,000 | 2025/26 | 6 April 2027 |
| £20,000 | 2026/27 | 6 April 2028 |
Source: gov.uk, Check if you're eligible for MTD for Income Tax (last updated 26 March 2026; checked 24 October 2026).
Yes. HMRC's software finder lists free versions of several products for MTD for Income Tax, for example Clear Books Free, Pandle, ANNA Self Assessment, flonancial, TaxUpdates and FreeAgent (free with a NatWest, RBS, Ulster Bank or Mettle business account). Free products can have limits, so check what each one covers before you sign up.
Yes. Qualifying income is your total self-employment and property income before expenses. If that total is over the threshold for the relevant tax year, MTD for Income Tax applies to you, whether the income comes from a business, from property or from both.
Yes, if you pair them with bridging software. HMRC says bridging software can connect to records kept in spreadsheets and send your quarterly updates. Some bridging products can also submit your tax return; others cannot, so check before choosing.
On the thresholds HMRC has published, MTD for Income Tax does not apply if your qualifying income is £20,000 or less. You keep filing a normal Self Assessment return, and you can choose to join MTD voluntarily.
No. You can keep digital records and send updates yourself using compatible software. An agent such as an accountant can do it on your behalf if you prefer.
It ranges from free to a monthly subscription. On 24 October 2026, for example, Clear Books, Pandle and ANNA offered free plans covering MTD submissions, Clear Books' and Pandle's paid plans started at £5 a month plus VAT, and Xero's Simple plan was £7 a month plus VAT. Prices change, so check the provider's site.
Not tax advice. General information only. Check HMRC guidance or speak to a qualified adviser about your own situation. Affiliate disclosure: cards marked “Ad” contain affiliate links and we may earn a commission if you sign up. This never changes the order free options are shown in. Last updated 24 October 2026.