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123 Tax
Visit 123 Tax websiteView HMRC listing
Our notes
123 Tax is a WhatsApp-based record-keeping and MTD service for sole traders and CIS subcontractors. It sends a quarterly summary to confirm and then submits the quarterly update.
Pros
- Receipts captured over WhatsApp; no app to download
- CIS deduction tracking on CIS Pro
- Free trial without a card
Cons
- End-of-year return not available yet
- Monthly price is higher than most bridging tools
- No landlord or agent options mentioned
Price
Prices can change without notice, so confirm with the provider before you buy. Spotted an error? Email us.
- Cheapest MTD-capable plan
- Starter
- Per month
- £19
- Per year
- unknown
- VAT
- ex VAT
- Notes
- Starter £19/month for sole traders: MTD quarterly submissions only. CIS Pro £29/month; Business+ £49/month. 'Cancel anytime.'
- Landlord pricing
- unknown. Not mentioned.
- Agent/accountant pricing
- unknown. Not mentioned.
Really free?
- Quarterly updates free
- no (free trial only)
- Tax return (final declaration) free
- no (not available yet)
- Limits
- n/a
- Bank account condition
- n/a
- Time limit
- Free trial (length not stated)
Checked 18 Oct 2026. Sources:123tax.co.uk, 123tax.co.uk
HMRC listing
What the software provider has told HMRC. “In development” means the provider has committed to building it in time for the 2026 to 2027 tax return.
Features
| Free version | Not included |
|---|---|
| Agent software | Not included |
| Individual software | Ready now |
| Software that creates digital records | Ready now |
| Bridging software that connects to records | Not included |
| Standard update period (6 April to 5 April) | Ready now |
| Calendar update period (1 April to 31 March) | Ready now |
| Making Tax Digital for VAT | Ready now |
| HMRC Assist (Submission Feedback) | Not included |
Business income
| Sole trader | Ready now |
|---|---|
| UK property | Not included |
| Foreign property | Not included |
Other income sources and items
| Employment (PAYE) | In development |
|---|---|
| UK dividends | In development |
| State Pension income | Not included |
| Private pension incomes | Not included |
| Partner income from a partnership | Not included |
| Foreign dividends | Not included |
| Foreign interest | Not included |
| Private pension contributions | Not included |
| Construction Industry Scheme | Ready now |
| Charitable giving | Not included |
| Capital Gains | Not included |
| Student Loan | In development |
| Marriage Allowance | In development |
| Voluntary Class 2 National Insurance | In development |
| High Income Child Benefit Charge | Not included |
| UK interest | In development |
Accessibility
| Blindness or impaired vision | Ready now |
|---|---|
| Deafness or impaired hearing | Ready now |
| Motor or physical difficulties | Ready now |
| Cognitive impairments | Ready now |
Platform
| Software type | Web browser |
|---|---|
| Compatible with | Microsoft Windows Mac OS Linux |
| Language | English |