Free MTD for Income Tax software

Last checked against GOV.UK: 27 October 2026By the TaxAppCompare team

HMRC shows 37 products with a free version. GOV.UK notes free products are for simple tax affairs and may have limits, such as a set number of transactions. Some only send quarterly updates, so check it can submit your tax return too.

All software · For landlords · For sole traders · With a free version · Bridging for spreadsheets

Only HMRC-recognised products. Every product below is on HMRC's software finder, which says all listed software has passed HMRC's recognition process and that HMRC does not recommend any product. Facts are copied from HMRC's listing pages on 27 October 2026. We list products A to Z and do not rank them. Prices change, so check each provider's website. GOV.UK software finder.

AATAX
- Free version
- Bridging
- Creates records
Sends
Quarterly updates, Tax return
Income
Sole trader, UK property, Foreign property
Calendar periods
Yes
MTD for VAT
No
HMRC Assist
No
- Provider website
- HMRC listing
Source: HMRC software finder, checked 27 October 2026.
AccountsDesk
- Free version
- Bridging
- Creates records
Sends
Quarterly updates, Tax return
Income
Sole trader, UK property, Foreign property
Calendar periods
Yes
MTD for VAT
Yes
HMRC Assist
No
- Provider website
- HMRC listing
Source: HMRC software finder, checked 27 October 2026.
Acxite
- Free version
- Bridging
- Creates records
Sends
Quarterly updates
Income
Sole trader, UK property, Foreign property
Calendar periods
Yes
MTD for VAT
Yes
HMRC Assist
No
- Provider website
- HMRC listing
Source: HMRC software finder, checked 27 October 2026.
Adminsoft Accounts
- Free version
- Creates records
Sends
Quarterly updates
Income
Sole trader, UK property, Foreign property
Calendar periods
Yes
MTD for VAT
Yes
HMRC Assist
No
- Provider website
- HMRC listing
Source: HMRC software finder, checked 27 October 2026.
Affordable MTD
- Free version
- Bridging
- Creates records
Sends
Quarterly updates, Tax return
Income
Sole trader, UK property
Calendar periods
Yes
MTD for VAT
No
HMRC Assist
Yes
- Provider website
- HMRC listing
Source: HMRC software finder, checked 27 October 2026.
Aligned.tax MTD for Spreadsheets
- Free version
- Bridging
Sends
Quarterly updates
Income
Sole trader, UK property, Foreign property
Calendar periods
Yes
MTD for VAT
No
HMRC Assist
Yes
- Provider website
- HMRC listing
Source: HMRC software finder, checked 27 October 2026.
ANNA Self Assessment
- Free version
- Bridging
- Creates records
Sends
Quarterly updates, Tax return
Income
Sole trader, UK property
Calendar periods
Yes
MTD for VAT
Yes
HMRC Assist
No
- Provider website
- HMRC listing
Source: HMRC software finder, checked 27 October 2026.
CIS Invoice
- Free version
- Creates records
Sends
Quarterly updates, Tax return
Income
Sole trader
Calendar periods
Yes
MTD for VAT
No
HMRC Assist
No
- Provider website
- HMRC listing
Source: HMRC software finder, checked 27 October 2026.
Clear Books Free
- Free version
- Creates records
Sends
Quarterly updates, Tax return
Income
Sole trader, UK property, Foreign property
Calendar periods
Yes
MTD for VAT
Yes
HMRC Assist
Yes
- Provider website
- HMRC listing
Source: HMRC software finder, checked 27 October 2026.
Coconut Free
- Free version
- Bridging
- Creates records
Sends
Quarterly updates, Tax return
Income
Sole trader, UK property, Foreign property
Calendar periods
Yes
MTD for VAT
Yes
HMRC Assist
Yes
- Provider website
- HMRC listing
Source: HMRC software finder, checked 27 October 2026.
DIY Tax
- Free version
- Bridging
- Creates records
Sends
Quarterly updates, Tax return
Income
Sole trader, UK property, Foreign property
Calendar periods
No
MTD for VAT
Yes
HMRC Assist
No
- Provider website
- HMRC listing
Source: HMRC software finder, checked 27 October 2026.
FileThat!
- Free version
- Bridging
- Creates records
Sends
Quarterly updates, Tax return
Income
Sole trader, UK property, Foreign property
Calendar periods
Yes
MTD for VAT
Yes
HMRC Assist
Yes
- Provider website
- HMRC listing
Source: HMRC software finder, checked 27 October 2026.
flonancial
- Free version
- Bridging
Sends
Quarterly updates, Tax return
Income
Sole trader, UK property
Calendar periods
No
MTD for VAT
No
HMRC Assist
No
- Provider website
- HMRC listing
Source: HMRC software finder, checked 27 October 2026.
FreeAgent for free with Mettle, NatWest & RBS
- Free version
- Creates records
Sends
Quarterly updates, Tax return
Income
Sole trader, UK property
Calendar periods
Yes
MTD for VAT
Yes
HMRC Assist
No
- HMRC listing
Source: HMRC software finder, checked 27 October 2026.
GetGround
- Free version
- Bridging
- Creates records
Sends
Quarterly updates
Income
UK property
Calendar periods
Yes
MTD for VAT
No
HMRC Assist
No
- Provider website
- HMRC listing
Source: HMRC software finder, checked 27 October 2026.
IQ Books
- Free version
- Creates records
Sends
Quarterly updates
Income
Sole trader
Calendar periods
Yes
MTD for VAT
Yes
HMRC Assist
No
- Provider website
- HMRC listing
Source: HMRC software finder, checked 27 October 2026.
Keepr
- Free version
- Creates records
Sends
Quarterly updates, Tax return
Income
Sole trader
Calendar periods
Yes
MTD for VAT
No
HMRC Assist
No
- Provider website
- HMRC listing
Source: HMRC software finder, checked 27 October 2026.
Lloyds Bank
- Free version
- Creates records
Sends
Quarterly updates
Income
Sole trader, UK property
Calendar periods
Yes
MTD for VAT
No
HMRC Assist
No
- Provider website
- HMRC listing
Source: HMRC software finder, checked 27 October 2026.
Monzo
- Free version
- Creates records
Sends
Quarterly updates, Tax return
Income
Sole trader, UK property
Calendar periods
Yes
MTD for VAT
No
HMRC Assist
No
- Provider website
- HMRC listing
Source: HMRC software finder, checked 27 October 2026.
MTDone
- Free version
- Bridging
- Creates records
Sends
Quarterly updates, Tax return
Income
Sole trader, UK property
Calendar periods
Yes
MTD for VAT
No
HMRC Assist
Yes
- Provider website
- HMRC listing
Source: HMRC software finder, checked 27 October 2026.
My Tax Digital (Free)
- Free version
- Bridging
- Creates records
Sends
Quarterly updates, Tax return
Income
Sole trader, UK property, Foreign property
Calendar periods
Yes
MTD for VAT
Yes
HMRC Assist
Yes
- Provider website
- HMRC listing
Source: HMRC software finder, checked 27 October 2026.
Pandle
- Free version
- Bridging
- Creates records
Sends
Quarterly updates, Tax return
Income
Sole trader, UK property
Calendar periods
Yes
MTD for VAT
Yes
HMRC Assist
No
- Provider website
- HMRC listing
Source: HMRC software finder, checked 27 October 2026.
PaTMa Property Manager
- Free version
- Creates records
Sends
Quarterly updates
Income
UK property
Calendar periods
Yes
MTD for VAT
No
HMRC Assist
No
- Provider website
- HMRC listing
Source: HMRC software finder, checked 27 October 2026.
Quarterwise
- Free version
- Bridging
- Creates records
Sends
Quarterly updates, Tax return
Income
Sole trader, UK property, Foreign property
Calendar periods
Yes
MTD for VAT
No
HMRC Assist
No
- HMRC listing
Source: HMRC software finder, checked 27 October 2026.
RentalBux Free
- Free version
- Bridging
- Creates records
Sends
Quarterly updates, Tax return
Income
Sole trader, UK property, Foreign property
Calendar periods
Yes
MTD for VAT
No
HMRC Assist
No
- Provider website
- HMRC listing
Source: HMRC software finder, checked 27 October 2026.
Sage Sole Trader & Landlord Free
- Free version
- Creates records
Sends
Quarterly updates, Tax return
Income
Sole trader, UK property
Calendar periods
Yes
MTD for VAT
No
HMRC Assist
No
- Provider website
- HMRC listing
Source: HMRC software finder, checked 27 October 2026.
Self Assessment Direct
- Free version
- Bridging
- Creates records
Sends
Quarterly updates, Tax return
Income
Sole trader, UK property, Foreign property
Calendar periods
Yes
MTD for VAT
Yes
HMRC Assist
Yes
- Provider website
- HMRC listing
Source: HMRC software finder, checked 27 October 2026.
SimplifyMTD
- Free version
- Bridging
- Creates records
Sends
Quarterly updates
Income
UK property, Foreign property
Calendar periods
Yes
MTD for VAT
No
HMRC Assist
No
- Provider website
- HMRC listing
Source: HMRC software finder, checked 27 October 2026.
SmartPropertyManager.com
- Free version
- Creates records
Sends
Quarterly updates
Income
UK property
Calendar periods
No
MTD for VAT
No
HMRC Assist
No
- Provider website
- HMRC listing
Source: HMRC software finder, checked 27 October 2026.
Starling
- Free version
- Creates records
Sends
Quarterly updates
Income
Sole trader, UK property
Calendar periods
No
MTD for VAT
Yes
HMRC Assist
No
- Provider website
- HMRC listing
Source: HMRC software finder, checked 27 October 2026.
SumUp Accounting
- Free version
- Creates records
Sends
Quarterly updates
Income
Sole trader
Calendar periods
Yes
MTD for VAT
No
HMRC Assist
No
- Provider website
- HMRC listing
Source: HMRC software finder, checked 27 October 2026.
Tax Mouse
- Free version
- Bridging
- Creates records
Sends
Quarterly updates
Income
Sole trader, UK property
Calendar periods
No
MTD for VAT
Yes
HMRC Assist
No
- Provider website
- HMRC listing
Source: HMRC software finder, checked 27 October 2026.
TaxBridge UK MTD by Amelia GB
- Free version
- Bridging
- Creates records
Sends
Quarterly updates, Tax return
Income
Sole trader, UK property, Foreign property
Calendar periods
Yes
MTD for VAT
Yes
HMRC Assist
Yes
- Provider website
- HMRC listing
Source: HMRC software finder, checked 27 October 2026.
TaxHeaven
- Free version
- Bridging
- Creates records
Sends
Quarterly updates, Tax return
Income
Sole trader, UK property, Foreign property
Calendar periods
Yes
MTD for VAT
No
HMRC Assist
Yes
- Provider website
- HMRC listing
Source: HMRC software finder, checked 27 October 2026.
TaxUpdates
- Free version
- Bridging
Sends
Quarterly updates, Tax return
Income
Sole trader, UK property, Foreign property
Calendar periods
Yes
MTD for VAT
No
HMRC Assist
Yes
- Provider website
- HMRC listing
Source: HMRC software finder, checked 27 October 2026.
Tide Accounting
- Free version
- Creates records
Sends
Quarterly updates
Income
Sole trader
Calendar periods
Yes
MTD for VAT
Yes
HMRC Assist
No
- Provider website
- HMRC listing
Source: HMRC software finder, checked 27 October 2026.
Zoho
- Free version
- Creates records
Sends
Quarterly updates, Tax return
Income
Sole trader, UK property
Calendar periods
Yes
MTD for VAT
Yes
HMRC Assist
Yes
- Provider website
- HMRC listing
Source: HMRC software finder, checked 27 October 2026.

“Not shown” means HMRC's product page could not be read when we checked. Use the HMRC listing link for current details. Spotted a change? Use the contact page.

Free MTD for Income Tax software

Filter

AATAX

AccountsDesk

Acxite

Adminsoft Accounts

Affordable MTD

Aligned.tax MTD for Spreadsheets

ANNA Self Assessment

CIS Invoice

Clear Books Free

Coconut Free

DIY Tax

FileThat!

flonancial

FreeAgent for free with Mettle, NatWest & RBS

GetGround

IQ Books

Keepr

Lloyds Bank

Monzo

MTDone

My Tax Digital (Free)

Pandle

PaTMa Property Manager

Quarterwise

RentalBux Free

Sage Sole Trader & Landlord Free

Self Assessment Direct

SimplifyMTD

SmartPropertyManager.com

Starling

SumUp Accounting

Tax Mouse

TaxBridge UK MTD by Amelia GB

TaxHeaven

TaxUpdates

Tide Accounting

Zoho