MTD for Income Tax software for sole traders
Short answer: 156 of the 173 products HMRC recognises support sole trader (self-employment) income. You need one if your qualifying income is over the threshold. Check whether it keeps your records or bridges a spreadsheet, and whether it files the tax return as well as quarterly updates.
What to check
- Records or bridging: do you want an app that keeps your records, or bridging software for an existing spreadsheet?
- The tax return: make sure it files the tax return, not only quarterly updates.
- CIS: if you’re a CIS subcontractor, tick the CIS filter.
- Other income: if you also have property income, check the software supports it.
- Price and free plan limits: see the price column and our notes.
GOV.UK: find out if and when you need to use MTD for Income Tax.
Filters
156 products on this list
HMRC's list last checked 17 Oct 2026.
| Product | From | Free | Sole tr. | UK prop. | Foreign | Records | Bridging | Agents | CIS | VAT | App |
|---|---|---|---|---|---|---|---|---|---|---|---|
| 100PcMTD | £30/yr ex VAT | Not included | Ready now | Ready now | Ready now | Not included | Ready now | Ready now | In development | Ready now | Not included |
| 1 1 MTD Bridge | £15.99/yr | Not included | Ready now | Ready now | Ready now | Not included | Ready now | Ready now | Ready now | Ready now | Not included |
| 123 e-Filing MTD for Income Tax | £18/yr inc VAT | Not included | Ready now | Ready now | Ready now | Not included | Ready now | Ready now | Ready now | Ready now | Not included |
| 123 Sheets | — | Not included | Ready now | Ready now | Ready now | Ready now | Ready now | Ready now | Ready now | Ready now | Not included |
| 123 Tax | £19/mo ex VAT | Not included | Ready now | Not included | Not included | Ready now | Not included | Not included | Ready now | Ready now | Not included |
| @1TaxFiler | £25/yr | Not included | Ready now | Ready now | Ready now | Not included | Ready now | Ready now | Ready now | Ready now | Not included |
| AATAX Really free | £0 | Ready now | Ready now | Ready now | Ready now | Ready now | Ready now | Ready now | Ready now | Not included | Not included |
| Ablegatio Ftax MTD for IT | £25/yr | Not included | Ready now | Ready now | Ready now | Ready now | Ready now | Ready now | In development | Ready now | Not included |
| AbraTax MTD for Income Tax | £5/mo | Not included | Ready now | Ready now | Ready now | Not included | Ready now | Ready now | Ready now | Ready now | Not included |
| Abridge (MTD for Excel/Sheets) | £39/yr inc VAT | Not included | Ready now | Ready now | Ready now | Not included | Ready now | Ready now | Ready now | Not included | Android Apple iOS |
| Absolute Excel Income Tax Filer | £40/yr ex VAT | Not included | Ready now | Ready now | Ready now | Ready now | Ready now | Ready now | Ready now | Ready now | Not included |
| Accounting from Sage | £20/mo ex VAT | Not included | Ready now | Ready now | Not included | Ready now | Not included | Ready now | In development | Ready now | Android Apple iOS |
| AccountsDesk Free with conditions | £19.75/yr | Ready now | Ready now | Ready now | Ready now | Ready now | Ready now | Not included | Not included | Ready now | Not included |
| AccountsPortal | £10/mo | Not included | Ready now | Ready now | Not included | Ready now | Not included | Ready now | In development | Ready now | Not included |
| AccountsPrep by Sage | — | Not included | Ready now | Not included | Not included | Ready now | Not included | Ready now | In development | Not included | Android Apple iOS |
| Acctax (Online) Ltd | £15/yr | Not included | Ready now | Ready now | Ready now | Not included | Ready now | Ready now | Ready now | Ready now | Not included |
| Acorah Software Products Ltd (TaxCalc) | £24/yr | Not included | Ready now | Ready now | Ready now | Not included | Ready now | Ready now | Ready now | Ready now | Not included |
| Acting Office - Tax and Accounts | — | Not included | Ready now | Ready now | Ready now | Ready now | Ready now | Ready now | In development | Ready now | Not included |
| Acxite | £0* | Ready now | Ready now | Ready now | Ready now | Ready now | Ready now | Ready now | In development | Ready now | Not included |
| Adminsoft Accounts | £0* | Ready now | Ready now | Ready now | Ready now | Ready now | Not included | Not included | Not included | Ready now | Not included |
| Affordable MTD | £19.99/yr | Ready now | Ready now | Ready now | Not included | Ready now | Ready now | Not included | Not included | Not included | Not included |
| Ajaccts | — | Not included | Ready now | Ready now | Not included | Ready now | Not included | Ready now | In development | Ready now | Not included |
| Aligned.tax MTD for Spreadsheets | £0* | Ready now | Ready now | Ready now | Ready now | Not included | Ready now | Ready now | In development | Not included | Not included |
| Andica Accounting Software | £100/yr ex VAT | Not included | Ready now | Ready now | Not included | Ready now | Not included | Ready now | In development | Ready now | Not included |
| Andica MTD ITSA Software | £30/yr ex VAT | Not included | Ready now | Ready now | Ready now | Not included | Ready now | Ready now | In development | Not included | Not included |
| ANNA Self Assessment Free with conditions | £0 | Ready now | Ready now | Ready now | Not included | Ready now | Ready now | Not included | Ready now | Ready now | Android Apple iOS |
| ApariPro | — | Not included | Ready now | Ready now | Ready now | Ready now | Ready now | Ready now | Ready now | Not included | Android Apple iOS |
| ApariSolo | £144/yr inc VAT | Not included | Ready now | Ready now | Ready now | Ready now | Ready now | Not included | Ready now | Not included | Android Apple iOS |
| Avona | £15/mo ex VAT | Not included | Ready now | Ready now | Ready now | Ready now | Ready now | Ready now | Ready now | Not included | Not included |
| Aworka | £20/mo inc VAT | Not included | Ready now | Not included | Not included | Ready now | Not included | Not included | In development | Ready now | Not included |
| Bart | £9.99/mo inc VAT | Not included | Ready now | Not included | Not included | Ready now | Not included | Not included | Not included | Not included | Android Apple iOS |
| Basetax – Making Tax Digital for Income Tax | £12.99/mo ex VAT | Not included | Ready now | Ready now | Ready now | Ready now | Ready now | Not included | In development | Ready now | Not included |
| BizHub365 | £19/mo | Not included | Ready now | Ready now | Ready now | Ready now | Not included | Ready now | Not included | Ready now | Android Apple iOS |
| bluQube Tax Connect | — | Not included | Ready now | Ready now | Not included | Ready now | Not included | Not included | Not included | Ready now | Not included |
| Bookfolio | £12/mo ex VAT | Not included | Ready now | Ready now | Ready now | Ready now | Not included | Not included | In development | Ready now | Android Apple iOS |
| Bosh | £3.99/mo ex VAT | Not included | Ready now | Not included | Not included | Ready now | Ready now | Not included | In development | Ready now | Android Apple iOS |
| Briefcase | £19/mo ex VAT | Not included | Ready now | Ready now | Ready now | Ready now | Not included | Ready now | In development | Not included | Not included |
| Bright | — | Not included | Ready now | Ready now | Ready now | Ready now | Ready now | Ready now | In development | Ready now | Not included |
| CalCal easy calendar expense tracker | £5/mo | Not included | Ready now | Ready now | Ready now | Ready now | Not included | Not included | In development | Ready now | Not included |
| Capium Limited — MTD for IT | — | Not included | Ready now | Ready now | Ready now | Ready now | Ready now | Ready now | Ready now | Ready now | Not included |
| CCH iFirm MTD for Income Tax | — | Not included | Ready now | Ready now | Ready now | Not included | Ready now | Ready now | In development | Ready now | Not included |
| CHM ITSA BRIDGE | — | Not included | Ready now | Ready now | Ready now | Not included | Ready now | Ready now | In development | Ready now | Not included |
| CinchFlow | — | Not included | Ready now | Ready now | Ready now | Not included | Ready now | Ready now | In development | Not included | Not included |
| CineLog | £4.99/mo | Not included | Ready now | Not included | Not included | Ready now | Not included | Not included | Not included | Not included | Apple iOS |
| CIS Invoice | £0* | Ready now | Ready now | Not included | Not included | Ready now | Not included | Not included | Ready now | Not included | Android Apple iOS |
| Clear Books | £5/mo ex VAT | Not included | Ready now | Ready now | Ready now | Ready now | Not included | Ready now | Ready now | Ready now | Android Apple iOS |
| Clear Books Free Really free | £0 | Ready now | Ready now | Ready now | Ready now | Ready now | Not included | Ready now | Ready now | Ready now | Android Apple iOS |
| Clients Assistant | £5/mo ex VAT | Not included | Ready now | Ready now | Ready now | Ready now | Ready now | Ready now | In development | Ready now | Android Apple iOS |
| Coconut | £49.99/yr | Not included | Ready now | Ready now | Ready now | Ready now | Ready now | Ready now | In development | Ready now | Android Apple iOS |
| Coconut Free Free with conditions | £0 | Ready now | Ready now | Ready now | Ready now | Ready now | Ready now | Ready now | In development | Ready now | Android Apple iOS |
| Crunch | £10/mo ex VAT | Not included | Ready now | Not included | Not included | Ready now | Not included | Not included | In development | Ready now | Not included |
| Cuppa | £6/mo | Not included | Ready now | Not included | Not included | Ready now | Ready now | Not included | Ready now | Not included | Not included |
| Debbie | £10/mo inc VAT | Not included | Ready now | Ready now | Not included | Ready now | Not included | Not included | Ready now | Not included | Not included |
| Deductic MTD | £15/mo | Not included | Ready now | Ready now | Ready now | Ready now | Ready now | Ready now | In development | Ready now | Not included |
| Dext Solo | — | Not included | Ready now | Ready now | Not included | Ready now | Not included | Ready now | Not included | Not included | Android Apple iOS |
| Digita Personal Tax | — | Not included | Ready now | Ready now | Ready now | Not included | Ready now | Ready now | Ready now | Not included | Not included |
| Distil | £8/mo | Not included | Ready now | Ready now | Not included | Ready now | Not included | Ready now | In development | Ready now | Not included |
| DIY Tax Free with conditions | £0 | Ready now | Ready now | Ready now | Ready now | Ready now | Ready now | Ready now | In development | Ready now | Android Apple iOS |
| DoneSE | £4.99/mo | Not included | Ready now | Not included | Not included | Ready now | Not included | Not included | In development | Not included | Not included |
| Duly Filed | £60/yr | Not included | Ready now | Not included | Not included | Ready now | Not included | Not included | Not included | Not included | Not included |
| EasyBooks | — | Not included | Ready now | Ready now | Not included | Ready now | Not included | Not included | Not included | Ready now | Apple iOS |
| EasyInvoice | £8.99/mo | Not included | Ready now | Ready now | Not included | Ready now | Not included | Not included | Not included | Not included | Apple iOS |
| EasyTaxer.com Free with conditions | £49/yr inc VAT | Not included | Ready now | Ready now | Ready now | Ready now | Not included | Ready now | Ready now | Not included | Not included |
| Farmplan Business Manager | — | Not included | Ready now | Ready now | Ready now | Ready now | Not included | Not included | Not included | Ready now | Not included |
| FileThat! | — | Ready now | Ready now | Ready now | Ready now | Ready now | Ready now | Ready now | Ready now | Ready now | Not included |
| Finaap MTD Income Tax | £9.99/mo inc VAT | Not included | Ready now | Ready now | Not included | Ready now | Not included | Not included | In development | Not included | Android Apple iOS |
| Five Eyes Financial Intelligence | £9.99/mo | Not included | Ready now | Ready now | Not included | Ready now | Not included | Ready now | In development | Not included | Not included |
| flonancial Really free | £0 | Ready now | Ready now | Ready now | Not included | Not included | Ready now | Not included | In development | Not included | Not included |
| Forbes MTD | — | Not included | Ready now | Ready now | Ready now | Ready now | Ready now | Ready now | Ready now | Ready now | Android |
| FreeAgent | £10/mo ex VAT | Not included | Ready now | Ready now | Not included | Ready now | Not included | Ready now | Ready now | Ready now | Android Apple iOS |
| FreeAgent for free with Mettle, NatWest & RBS Free with conditions | £0 | Ready now | Ready now | Ready now | Not included | Ready now | Not included | Ready now | Ready now | Ready now | Android Apple iOS |
| #GoFile | — | Not included | Ready now | Ready now | Not included | Ready now | Ready now | Ready now | Ready now | Ready now | Not included |
| Graft | £9.99/mo | Not included | Ready now | Not included | Not included | Ready now | Not included | Not included | In development | Not included | Apple iOS |
| HyperTax | £10/mo | Not included | Ready now | Ready now | Ready now | Ready now | Ready now | Ready now | In development | Not included | Not included |
| iFiler | £0* | Not included | Ready now | Ready now | Ready now | Not included | Ready now | Ready now | In development | Ready now | Not included |
| Invoice Guru | — | Not included | Ready now | Not included | Not included | Ready now | Not included | Not included | Not included | Ready now | Android Apple iOS |
| IQ Books | £0* | Ready now | Ready now | Not included | Not included | Ready now | Not included | Ready now | Not included | Ready now | Not included |
| IRIS Accountancy Suite | — | Not included | Ready now | Ready now | Ready now | Not included | Ready now | Ready now | In development | Ready now | Not included |
| IRIS Elements | — | Not included | Ready now | Ready now | Ready now | Not included | Ready now | Ready now | In development | Ready now | Not included |
| IRIS Elements Cashbook | — | Not included | Ready now | Not included | Not included | Ready now | Not included | Ready now | Not included | Not included | Android Apple iOS |
| IRIS Kashflow | £13.50/mo ex VAT | Not included | Ready now | Not included | Not included | Ready now | Not included | Ready now | Not included | Ready now | Android Apple iOS |
| Joy Pilot | — | Not included | Ready now | Ready now | Not included | Ready now | Not included | Not included | In development | Ready now | Not included |
| Keepr Free with conditions | £0 | Ready now | Ready now | Not included | Not included | Ready now | Not included | Not included | Not included | Not included | Not included |
| KinderStart: Childminding App | £14.49/mo | Not included | Ready now | Not included | Not included | Ready now | Ready now | Not included | Not included | Not included | Android Apple iOS |
| Kletta | £19/mo | Not included | Ready now | Ready now | Ready now | Ready now | Not included | Ready now | Ready now | Not included | Android Apple iOS |
| Landlord Vision | £21.97/mo ex VAT | Not included | Ready now | Ready now | Ready now | Ready now | Not included | Not included | Not included | Not included | Android Apple iOS |
| Landmark Systems - KEYinfinity | — | Not included | Ready now | Ready now | Not included | Ready now | Not included | Not included | Not included | Ready now | Not included |
| Landmark Systems - KEYPrime | — | Not included | Ready now | Ready now | Not included | Ready now | Not included | Not included | Not included | Ready now | Not included |
| LedgerlyPro | £9.99/mo | Not included | Ready now | Not included | Not included | Ready now | Not included | Not included | In development | Not included | Android Apple iOS |
| LimeBooks | £2.99/mo ex VAT | Not included | Ready now | Ready now | Ready now | Ready now | Not included | Ready now | In development | Ready now | Android Apple iOS |
| Lloyds Bank | £0* | Ready now | Ready now | Ready now | Not included | Ready now | Not included | Not included | In development | Not included | Not included |
| MalgraBooks | £16.99/mo | Not included | Ready now | Ready now | Not included | Ready now | Not included | Not included | In development | Not included | Android Apple iOS |
| Maxim Money | — | Not included | Ready now | Ready now | Ready now | Ready now | Not included | Not included | Not included | Not included | Not included |
| Monzo Free with conditions | £0 | Ready now | Ready now | Ready now | Not included | Ready now | Not included | Not included | In development | Not included | Android Apple iOS |
| MTD 4 Income Tax | £20/yr | Not included | Ready now | Ready now | Ready now | Ready now | Ready now | Ready now | Ready now | Ready now | Android Apple iOS |
| MTD Assist | — | Not included | Ready now | Ready now | Ready now | Not included | Ready now | Ready now | In development | Not included | Android Apple iOS |
| MTD Companion for iPhone & iPad | — | Not included | Ready now | Ready now | Ready now | Not included | Ready now | Ready now | Ready now | Ready now | Apple iOS |
| MTD Companion for macOS | — | Not included | Ready now | Ready now | Ready now | Not included | Ready now | Ready now | Ready now | Ready now | Not included |
| MTDKit | £2.99/mo | Not included | Ready now | Ready now | Ready now | Ready now | Not included | Ready now | In development | Ready now | Not included |
| MTD Landlord Services | £4.99/mo | Not included | Ready now | Ready now | Not included | Ready now | Not included | Not included | In development | Not included | Not included |
| MTDone Free with conditions | £0 | Ready now | Ready now | Ready now | Not included | Ready now | Ready now | Not included | Not included | Not included | Not included |
| MTD Sheets | — | Not included | Ready now | Ready now | Ready now | Not included | Ready now | Ready now | In development | Ready now | Not included |
| MTDsorted | £0* | Not included | Ready now | Ready now | Not included | Ready now | Ready now | Not included | In development | Ready now | Not included |
| My Business Finances, powered by Sage | £5.99/mo ex VAT | Not included | Ready now | Ready now | Not included | Ready now | Not included | Not included | In development | Not included | Not included |
| My Job Goblin | £39/mo | Not included | Ready now | Not included | Not included | Ready now | Not included | Not included | In development | Not included | Not included |
| MyPetSitter | £12/mo | Not included | Ready now | Not included | Not included | Ready now | Not included | Not included | Not included | Not included | Not included |
| MYT | £10/mo | Not included | Ready now | Ready now | Ready now | Ready now | Not included | Ready now | In development | Ready now | Android Apple iOS |
| My Tax Digital (Free) Really free | £0 | Ready now | Ready now | Ready now | Ready now | Ready now | Ready now | Ready now | Ready now | Ready now | Not included |
| Neevii | £0* | Not included | Ready now | Not included | Not included | Ready now | Ready now | Ready now | Not included | Ready now | Android |
| NJT Tax Return Manager | £40/yr ex VAT | Not included | Ready now | Ready now | Not included | Ready now | Ready now | Ready now | In development | Ready now | Not included |
| Nomi | — | Not included | Ready now | Ready now | Ready now | Ready now | Ready now | Ready now | Not included | Not included | Android Apple iOS |
| Otis Tax | £80/yr | Not included | Ready now | Ready now | Ready now | Not included | Ready now | Not included | Not included | Not included | Not included |
| Pandle Really free | £0 | Ready now | Ready now | Ready now | Not included | Ready now | Ready now | Ready now | In development | Ready now | Android Apple iOS |
| Powered Now | £28/mo ex VAT | Not included | Ready now | Ready now | Ready now | Ready now | Not included | Ready now | In development | Ready now | Android Apple iOS |
| Q Tax Agent | — | Not included | Ready now | Not included | Not included | Ready now | Not included | Ready now | In development | Not included | Not included |
| Quartax | £39/yr inc VAT | Not included | Ready now | Ready now | Not included | Ready now | Not included | Not included | Not included | Not included | Not included |
| Quarterwise Free with conditions | £0 | Ready now | Ready now | Ready now | Ready now | Ready now | Ready now | Not included | Ready now | Not included | Not included |
| QuickBooks (Intuit) | — | Not included | Ready now | Ready now | Not included | Ready now | Not included | Ready now | Ready now | Ready now | Android Apple iOS |
| QuickFile Accounting Software | £60/yr ex VAT | Not included | Ready now | Ready now | Not included | Ready now | Not included | Ready now | Ready now | Ready now | Android Apple iOS |
| Qyon Software Ltd | — | Not included | Ready now | Ready now | Ready now | Ready now | Ready now | Not included | In development | Not included | Android Apple iOS |
| RentalBux | £6/mo ex VAT | Not included | Ready now | Ready now | Ready now | Ready now | Ready now | Ready now | Ready now | Not included | Android Apple iOS |
| RentalBux Free Free with conditions | £0 | Ready now | Ready now | Ready now | Ready now | Ready now | Ready now | Ready now | Ready now | Not included | Android Apple iOS |
| Sage50 | — | Not included | Ready now | Ready now | Not included | Ready now | Not included | Ready now | In development | Ready now | Not included |
| Sage Sole Trader & Landlord | £7/mo ex VAT | Not included | Ready now | Ready now | Not included | Ready now | Not included | Ready now | In development | Not included | Android Apple iOS |
| Sage Sole Trader & Landlord Free Free with conditions | £0 | Ready now | Ready now | Ready now | Not included | Ready now | Not included | Ready now | In development | Not included | Android Apple iOS |
| Self Assessment Direct | £0* | Ready now | Ready now | Ready now | Ready now | Ready now | Ready now | Ready now | Ready now | Ready now | Android Apple iOS |
| Simple File for Excel Users | £5/mo | Not included | Ready now | Ready now | Not included | Ready now | Ready now | Ready now | Not included | Ready now | Not included |
| Simple Tax Flow | £5/mo ex VAT | Not included | Ready now | Ready now | Not included | Ready now | Ready now | Not included | Ready now | Not included | Android Apple iOS |
| SliQ Invoicing | £54.99/yr | Not included | Ready now | Not included | Not included | Ready now | Not included | Ready now | Not included | Ready now | Not included |
| Starling | £0* | Ready now | Ready now | Ready now | Not included | Ready now | Not included | Not included | In development | Ready now | Not included |
| Streem Connect | — | Not included | Ready now | Ready now | Ready now | Ready now | Ready now | Ready now | Not included | Not included | Not included |
| StrideBooks | £5/mo inc VAT | Not included | Ready now | Not included | Not included | Ready now | Not included | Ready now | Not included | Not included | Not included |
| suiteSheets | £20/yr | Not included | Ready now | Ready now | Not included | Not included | Ready now | Not included | In development | Not included | Not included |
| SumUp Accounting | £0* | Ready now | Ready now | Not included | Not included | Ready now | Not included | Not included | In development | Not included | Not included |
| TaxBridge UK MTD by Amelia GB | £0* | Ready now | Ready now | Ready now | Ready now | Ready now | Ready now | Ready now | Ready now | Ready now | Not included |
| TaxDash | £270/yr ex VAT | Not included | Ready now | Ready now | Ready now | Ready now | Not included | Not included | In development | Not included | Not included |
| @Taxd MTD | £10/mo | Not included | Ready now | Ready now | Not included | Not included | Ready now | Not included | In development | Not included | Not included |
| TaxHeaven Really free | £0 | Ready now | Ready now | Ready now | Ready now | Ready now | Ready now | Not included | Ready now | Not included | Not included |
| Tax Mouse | £49/yr | Ready now | Ready now | Ready now | Not included | Ready now | Ready now | Ready now | In development | Ready now | Android Apple iOS |
| TaxNav | £6/mo ex VAT | Not included | Ready now | Ready now | Ready now | Ready now | Ready now | Ready now | In development | Ready now | Not included |
| Taxpad | — | Not included | Ready now | Ready now | Ready now | Not included | Ready now | Ready now | In development | Ready now | Android Apple iOS |
| Taxtool for Income Tax | £100/yr ex VAT | Not included | Ready now | Ready now | Ready now | Not included | Ready now | Ready now | Ready now | Not included | Not included |
| TaxUpdates Really free | £0 | Ready now | Ready now | Ready now | Ready now | Not included | Ready now | Ready now | Ready now | Not included | Not included |
| Taxzap | £9/mo inc VAT | Not included | Ready now | Ready now | Ready now | Ready now | Ready now | Not included | In development | Not included | Not included |
| TELUS Farm Accounting | — | Not included | Ready now | Ready now | Ready now | Ready now | Not included | Not included | Not included | Ready now | Not included |
| Tide Accounting | £0* | Ready now | Ready now | Not included | Not included | Ready now | Not included | Not included | In development | Ready now | Android Apple iOS |
| TradeKit Really free | £0 | Not included | Ready now | Ready now | Ready now | Ready now | Not included | Not included | In development | Ready now | Android |
| Trade PA | £39/mo | Not included | Ready now | Not included | Not included | Ready now | Not included | Not included | Not included | Not included | Android Apple iOS |
| "untied" | £129.99/yr inc VAT | Not included | Ready now | Ready now | Ready now | Ready now | Ready now | Ready now | Ready now | Not included | Android Apple iOS |
| VANTIX | £9.99/mo | Not included | Ready now | Not included | Not included | Ready now | Not included | Not included | In development | Not included | Android Apple iOS |
| Varro | £6/mo | Not included | Ready now | Ready now | Ready now | Ready now | Not included | Not included | In development | Not included | Not included |
| VitalTax | £30/yr ex VAT | Not included | Ready now | Ready now | Ready now | Not included | Ready now | Ready now | Ready now | Ready now | Android Apple iOS |
| VT Software | £90/yr ex VAT | Not included | Ready now | Ready now | Ready now | Ready now | Ready now | Ready now | Not included | Ready now | Not included |
| WaterLily MTD Bridge | — | Not included | Ready now | Ready now | Ready now | Ready now | Ready now | Ready now | In development | Ready now | Not included |
| Xero | £7/mo ex VAT | Not included | Ready now | Ready now | Ready now | Ready now | Not included | Ready now | Ready now | Ready now | Android Apple iOS |
| Zoho Really free | £0 | Ready now | Ready now | Ready now | Not included | Ready now | Not included | Ready now | In development | Ready now | Android Apple iOS |
Prices are the cheapest plan that can file MTD for Income Tax, from our research (“—” means not researched yet). * A £0 plan that doesn't cover everything: see the product page. What “Really free” means.
Prices come from each provider's own website and can change without notice. We re-check them regularly, but they may not always be 100% accurate, so confirm the price with the provider before you buy. Spotted something wrong? Email us.
No product matches every filter you've ticked. Untick one to see more.
Questions
Is there free MTD software for the self-employed?
Yes. Tick Free version in the filters to see free products for sole traders, then check our notes on what each free plan covers, including whether it files the tax return.
When do sole traders need to start MTD for Income Tax?
From 6 April 2026 if your qualifying income in the 2024 to 2025 tax year was more than £50,000, and from 6 April 2027 if it was more than £30,000 in 2025 to 2026. The threshold falls to £20,000 from 6 April 2028.
Do I need MTD if I'm employed and self-employed?
Only your self-employment and property income count towards the threshold. Wages taxed through PAYE do not count.
What happens if I miss a quarterly update?
GOV.UK says there are no penalties for missing a quarterly update deadline in the 2026 to 2027 tax year. After that, late submissions earn penalty points, and a £200 penalty applies once you reach 4 points.
Facts on this page last checked against GOV.UK on 17 Oct 2026.