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Sage Sole Trader & Landlord Free

First seen on HMRC's list on or before 17 Oct 2026.

Visit Sage Sole Trader & Landlord Free website View HMRC listing

Our notes

The free tier of Sage Sole Trader, HMRC-listed for quarterly updates and the tax return, for non-VAT sole traders and landlords. It is genuinely free for one income source, but a sole trader who is also a landlord must pay for the second business instance.

Pros

Free with no stated time limit
Quarterly updates and tax return HMRC-listed
Big-brand support

Cons

Only ONE free instance – trading + property needs a paid second instance
Tight limits (5 invoices/month, limited AI categorisation)
Joint owners: each needs own subscription; single ownership % only

Price

Prices can change without notice, so confirm with the provider before you buy. Spotted an error? Email us.

Cheapest MTD-capable plan: Sage Sole Trader Free
Per month: Free
Per year: Free
VAT: n/a
Notes: Free plan; paid upgrade £7/mo.
Landlord pricing: same product. Records landlord income; one free business instance only.
Agent/accountant pricing: unknown. Not published.

Really free?

Quarterly updates free: yes
Tax return (final declaration) free: yes (HMRC lists 'Quarterly updates, Tax return'; Sage KB says 'MTD submissions ✔' on Free)
Limits: 1 user + 1 accountant; 5 sales invoices/month; 25 AI-categorised transactions (MTD page) – KB lists AI categorisation and bulk actions 'with limits'; manual transactions only; no P&L report. Sage pricing page says '1 bank account', KB says up to 10 bank accounts – inconsistent on vendor's own pages.
Bank account condition: None (non-VAT sole traders/landlords)
Time limit: No time limit stated ('no time limits')

Landlords and spreadsheets

Jointly owned property: partial. Sage KB (modified 13 Jul 2026): each co-owner needs their own subscription; Sage applies one ownership % across the whole UK property income source, so different shares in different properties are NOT supported (Sage itself points such users to Hammock).
Excel bridging: n/a
Google Sheets bridging: n/a
CSV import: n/a
Bridging notes: Not bridging software (HMRC listing: bridging 'Not included').

Checked 17 Oct 2026. Sources:www.sage.com, www.sage.com, gb-kb.sage.com, gb-kb.sage.com, www.sage.com

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	Ready now
Agent software	Ready now
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	Not included
HMRC Assist (Submission Feedback)	Not included

Business income

Sole trader	Ready now
UK property	Ready now
Foreign property	Not included

Other income sources and items

Employment (PAYE)	In development
UK dividends	In development
State Pension income	In development
Private pension incomes	In development
Partner income from a partnership	Not included
Foreign dividends	In development
Foreign interest	In development
Private pension contributions	In development
Construction Industry Scheme	In development
Charitable giving	In development
Capital Gains	In development
Student Loan	In development
Marriage Allowance	In development
Voluntary Class 2 National Insurance	In development
High Income Child Benefit Charge	In development
UK interest	In development

Accessibility

Blindness or impaired vision	Not included
Deafness or impaired hearing	Not included
Motor or physical difficulties	Not included
Cognitive impairments	Not included

Platform

Software type	Desktop application Web browser
Compatible with	Microsoft Windows Mac OS Linux
Mobile App	Android Apple iOS
Language	English