HMRC-recognised MTD software compared
Last updated: 2 May 2026
A neutral comparison of HMRC-recognised software you can use for MTD for Income Tax. Filter by what you actually do. The site does not currently earn affiliate commissions on any of these links; if that ever changes, the relevant rows will be labelled Ad and disclosed in the editorial policy.
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Showing 10 of 10 HMRC-recognised options.
FreeAgent
Strong general-purpose accounting. Best value if you bank with NatWest Group.
Pricing: Free with NatWest, Royal Bank of Scotland, Ulster Bank, or Mettle business accounts. Otherwise from £19/mo + VAT.
- Free tier
- Yes
- Spreadsheet bridging
- No
- Landlord-ready
- No
- FHL-ready
- No
- Foreign property
- No
- Multiple trades
- Yes
Hammock
Built specifically for UK landlords. Property-first chart of accounts and tenant-by-tenant cash matching.
Pricing: From £8.99/mo per landlord.
- Free tier
- No
- Spreadsheet bridging
- No
- Landlord-ready
- Yes
- FHL-ready
- Yes
- Foreign property
- No
- Multiple trades
- No
Coconut
Mobile-first. Solid if you want minimal setup and bank-feed-led bookkeeping.
Pricing: From £6/mo. Landlord plan £9/mo.
- Free tier
- No
- Spreadsheet bridging
- No
- Landlord-ready
- Yes
- FHL-ready
- No
- Foreign property
- No
- Multiple trades
- No
GoSimpleTax
Long-standing self-assessment tool. Handles foreign property and multiple trades.
Pricing: From £55/year for SA. MTD plans from £15/mo.
- Free tier
- No
- Spreadsheet bridging
- No
- Landlord-ready
- Yes
- FHL-ready
- No
- Foreign property
- Yes
- Multiple trades
- Yes
123 Sheets
Bridging software. Use if you want to keep your spreadsheets and just file via MTD.
Pricing: From £12/year (basic) up to ~£75/year for ITSA plans.
- Free tier
- No
- Spreadsheet bridging
- Yes
- Landlord-ready
- Yes
- FHL-ready
- Yes
- Foreign property
- Yes
- Multiple trades
- Yes
Xero
Industry-standard SMB accounting. Likely overkill for a single-property landlord.
Pricing: From £16/mo (Ignite). Self-employed plan from £10/mo.
- Free tier
- No
- Spreadsheet bridging
- No
- Landlord-ready
- No
- FHL-ready
- No
- Foreign property
- No
- Multiple trades
- Yes
QuickBooks
Strong invoicing and bank feeds. ITSA plan integrates self-employment with quarterly updates.
Pricing: Self-employed from £10/mo. Simple Start from £14/mo.
- Free tier
- No
- Spreadsheet bridging
- No
- Landlord-ready
- No
- FHL-ready
- No
- Foreign property
- No
- Multiple trades
- Yes
Sage Accounting
Long-established UK option. Decent if your accountant already uses Sage.
Pricing: From £15/mo (Start) up to £39/mo (Standard).
- Free tier
- No
- Spreadsheet bridging
- No
- Landlord-ready
- No
- FHL-ready
- No
- Foreign property
- No
- Multiple trades
- Yes
TaxCalc
Desktop software with strong support for complex returns and bridging from spreadsheets.
Pricing: SA module from £35/year. MTD modules priced separately.
- Free tier
- No
- Spreadsheet bridging
- Yes
- Landlord-ready
- Yes
- FHL-ready
- Yes
- Foreign property
- Yes
- Multiple trades
- Yes
Untied
Mobile-first SA and MTD app. Good for a single-trade or single-property setup.
Pricing: Pay-as-you-file from £49.99 per return. Subscription plans available.
- Free tier
- No
- Spreadsheet bridging
- No
- Landlord-ready
- Yes
- FHL-ready
- No
- Foreign property
- No
- Multiple trades
- Yes
How this list is maintained
Every entry is on HMRC's recognised software list at the time of last review. Pricing reflects publicly listed retail prices; bank-account-linked discounts (such as FreeAgent free with NatWest Group accounts) are noted in each entry.
Authoritative source: HMRC: find software that's compatible with Making Tax Digital ↗