Software comparison · 30 options · HMRC finder checked May 2026
MTD-compatible software, ranked by who it suits
We don't take affiliate fees. Search common UK MTD tools, then verify current compatibility on HMRC's official software finder.
HMRC does not recommend or endorse specific software. Always verify current compatibility on GOV.UK before choosing.
Pricing summaries last checked May 2026. Always confirm current prices and compatibility with the provider and on GOV.UK before choosing.
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30 of 30 options
FreeAgent
Core accounting
Best for: sole traders and small businesses who want simple accounting with bank feeds.
Free with some NatWest Group business accounts. Otherwise paid monthly plans.
Good mainstream accounting with bank feeds, invoicing and accountant-friendly workflows.
HMRC status last checked: May 2026
Xero
Core accounting
Best for: sole traders and growing businesses working with an accountant.
Paid monthly accounting plans.
Strong ecosystem, broad integrations and high accountant familiarity.
HMRC status last checked: May 2026
QuickBooks
Core accounting
Best for: sole traders who want invoicing, expenses, bank feeds, and broad accountant familiarity.
Paid monthly self-employed and small-business plans.
Well-known cloud accounting with invoicing, expenses and bank-feed workflows.
HMRC status last checked: May 2026
Sage Accounting
Core accounting
Best for: users who want an established UK accounting brand.
Paid monthly accounting plans.
Useful where the user or accountant already works with Sage.
HMRC status last checked: May 2026
Sage Sole Trader
Sole trader accounting
Best for: sole traders who want a simpler Sage product rather than full accounting software.
Sole-trader plans, including a free tier where available.
A lighter Sage option aimed at simple sole-trader records.
HMRC status last checked: May 2026
Zoho Books
Core accounting
Best for: budget-conscious sole traders who still want full accounting features.
Free and paid plans depending on turnover and features.
Useful lower-cost mainstream accounting, especially for people already using Zoho apps.
HMRC status last checked: May 2026
Clear Books
Core accounting
Best for: small businesses wanting a simple UK cloud accounting option with MTD-focused support.
Free MTD-focused tier available; paid accounting plans available.
Simple UK cloud accounting with bookkeeping, invoicing and MTD-focused options.
HMRC status last checked: May 2026
QuickFile
Accounting / spreadsheet route
Best for: smaller businesses and users who want a low-cost route with spreadsheet-friendly options.
Free for smaller accounts, with paid power-user options.
Budget-friendly accounting with practical routes for spreadsheet-heavy users.
HMRC status last checked: May 2026
Coconut by GoSimpleTax
Tax-first / mobile
Best for: freelancers, sole traders, and simple landlords who want mobile-first recordkeeping.
Paid monthly plans for sole trader and landlord workflows.
Mobile-first records with tax-focused workflows for simple self-employment or property income.
HMRC status last checked: May 2026
Untied
Tax-first / mobile
Best for: mobile-first Self Assessment users who want a tax-focused app.
Pay-as-you-file and subscription options.
A tax-first app for people who want guided SA and MTD workflows rather than full accounting.
HMRC status last checked: May 2026
ANNA Self Assessment
Bank/app-native
Best for: simple sole trader workflows, especially for users already using ANNA.
Business account and tax features with free and paid account plans.
Lightweight banking-first tools for expenses, invoices and tax admin close to payments.
HMRC status last checked: May 2026
Monzo Business MTD
Bank-native
Best for: existing Monzo Business users who want a bank-native route.
Check what is included with your Monzo Business plan.
Bank-native workflows can be convenient, but verify current end-to-end MTD support before relying on them.
HMRC status last checked: May 2026
Starling MTD
Bank-native
Best for: existing Starling business users.
Check Starling Business and marketplace pricing.
Useful if your business records already live in Starling, but verify current MTD support before choosing.
HMRC status last checked: May 2026
Tide Accounting
Bank-native
Best for: existing Tide users who want accounting connected to their business account.
Check Tide plans and add-on pricing.
Bank-connected accounting can reduce setup work; verify current MTD support before relying on it.
HMRC status last checked: May 2026
IRIS KashFlow
Core accounting
Best for: small businesses already using KashFlow or working with an IRIS-connected accountant.
Paid monthly accounting plans.
Established UK small-business accounting with invoicing, bank feeds and accountant links.
HMRC status last checked: May 2026
My Tax Digital
Tax filing / bridging
Best for: users looking for a simple or free MTD route.
Free or low-cost routes may be available; verify current terms.
A simpler filing-focused option for users who do not need a full accounting suite.
HMRC status last checked: May 2026
TaxHeaven
Tax filing
Best for: users looking for a lightweight tax-filing route.
Free tier or low-cost filing options may be available; verify current terms.
A lightweight tax-filing route rather than a mainstream accounting platform.
HMRC status last checked: May 2026
123 Sheets
Spreadsheet route
Best for: spreadsheet users who want to keep Excel-style records.
Low-cost annual spreadsheet and MTD plans.
Bridging software for users who want to keep spreadsheets and submit through MTD.
HMRC status last checked: May 2026
#GoFile
Spreadsheet / bridging
Best for: spreadsheet and bridging users who want a practical filing route.
Check current subscription and filing pricing.
A practical filing route for users who want to keep their own records and submit digitally.
HMRC status last checked: May 2026
VitalTax
Spreadsheet / bridging
Best for: Excel/spreadsheet users who want MTD bridging.
Check current bridging-software pricing.
A fit for users who do not want to move into a full accounting platform.
HMRC status last checked: May 2026
Abridge MTD
Spreadsheet / bridging
Best for: users who want to connect Excel or Google Sheets style records to MTD.
Check current bridging-software pricing.
Bridging-focused software for spreadsheet-led digital records.
HMRC status last checked: May 2026
TaxCalc
Tax software
Best for: users with more complex tax returns or accountant-style tax software needs.
Paid tax modules and MTD products.
A stronger fit for complex cases or accountant-style tax work than basic bookkeeping.
HMRC status last checked: May 2026
Self Assessment Direct
Tax filing
Best for: users who want a direct tax-return-focused MTD route.
Free or paid options may be available; verify current terms.
A filing-led option for users who want tax-return support without a full accounting suite.
HMRC status last checked: May 2026
MTD.tax
Tax filing / Apple
Best for: Apple users who want a macOS, iPhone, or iPad-friendly route.
Check current app and filing pricing.
A useful option for users who prefer Apple-native workflows.
HMRC status last checked: May 2026
Hammock
Landlord specialist
Best for: landlords who want property-first records, rent tracking, and landlord-specific workflows.
Paid monthly plans for landlords.
Built specifically for UK landlords with property-first records and rent-tracking workflows.
HMRC status last checked: May 2026
Landlord Vision
Landlord specialist
Best for: landlords with property portfolios who want detailed property records.
Paid plans for landlord portfolio records.
Strong landlord-specific records for property income, expenses and portfolio administration.
HMRC status last checked: May 2026
Landlord Studio
Landlord specialist
Best for: landlords who want property-management style recordkeeping.
Free and paid landlord software plans may be available.
Property-management style records for landlords; verify current MTD compatibility before choosing.
HMRC status last checked: May 2026
PaTMa Property Manager
Landlord specialist
Best for: landlords who want property tracking and landlord-focused records.
Check current landlord plan pricing.
Landlord-focused records and property tracking for income and expenses.
HMRC status last checked: May 2026
RentalBux
Landlord specialist
Best for: landlords looking for a simple or low-cost property income route.
Free or low-cost landlord routes may be available; verify current terms.
A simpler property-income option for landlords who want a lighter tool.
HMRC status last checked: May 2026
Provestor for Landlords
Landlord specialist / managed support
Best for: landlords who want more support than pure DIY software.
Service-style support; check current package pricing.
A more supported route for landlords who want help around the software and records.
HMRC status last checked: May 2026