Free Making Tax Digital software: 37 HMRC-recognised options
Out of 158 products recognised by HMRC for Making Tax Digital for Income Tax, 37 have a free version. But "free" covers very different things: some free versions only send quarterly updates, some are bridging tools for spreadsheets, and some are free only if you bank with the provider.
Free and complete: records, quarterly updates and final tax return
22 free versions keep your digital records and can send your final tax return — 22 of them cover sole traders and 20 cover UK property.
| Software | Type | Final tax return | Sole trader | UK property | Foreign property | |
|---|---|---|---|---|---|---|
| Records | Yes | Ready now | Ready now | Not included | Website | |
 Pandle | Records + Bridging | Yes | Ready now | Ready now | Not included | Website |
 My Tax Digital (Free) | Records + Bridging | Yes | Ready now | Ready now | Ready now | Website |
 Keepr | Records | Yes | Ready now | Not included | Not included | Website |
 Monzo | Records | Yes | Ready now | Ready now | Not included | Website |
| AATAX | Records + Bridging | Yes | Ready now | Ready now | Ready now | Website |
| AccountsDesk | Records + Bridging | Yes | Ready now | Ready now | Ready now | Website |
| Affordable | Records + Bridging | Yes | Ready now | Ready now | Not included | Website |
| ANNA Self Assessment | Records + Bridging | Yes | Ready now | Ready now | Not included | Website |
| CIS Invoice | Records | Yes | Ready now | Not included | Not included | Website |
| Clear Books Free | Records | Yes | Ready now | Ready now | Ready now | Website |
| Coconut Free | Records + Bridging | Yes | Ready now | Ready now | Ready now | Website |
| DIY Tax | Records + Bridging | Yes | Ready now | Ready now | Ready now | Website |
| FileThat! | Records + Bridging | Yes | Ready now | Ready now | Ready now | Website |
| FreeAgent for free with Mettle, NatWest & RBS | Records | Yes | Ready now | Ready now | Not included | Website |
| MTDone | Records + Bridging | Yes | Ready now | Ready now | Not included | Website |
| Quarterwise | Records + Bridging | Yes | Ready now | Ready now | Ready now | Website |
| RentalBux Free | Records + Bridging | Yes | Ready now | Ready now | Ready now | Website |
| Sage Sole Trader & Landlord Free | Records | Yes | Ready now | Ready now | Not included | Website |
| Self Assessment Direct | Records + Bridging | Yes | Ready now | Ready now | Ready now | Website |
| TaxBridge UK MTD by Amelia GB | Records + Bridging | Yes | Ready now | Ready now | Ready now | Website |
| TaxHeaven | Records + Bridging | Yes | Ready now | Ready now | Ready now | Website |
Free with a business bank account
Some banks include MTD software in their business account. Free as long as you keep the account — check the account's own fees.
| Software | Type | Final tax return | Sole trader | UK property | Foreign property | |
|---|---|---|---|---|---|---|
 Tide Accounting | Records | No | Ready now | Not included | Not included | Website |
| Monzo | Records | Yes | Ready now | Ready now | Not included | Website |
 Starling | Records | No | Ready now | Ready now | Not included | Website |
| FreeAgent for free with Mettle, NatWest & RBS | Records | Yes | Ready now | Ready now | Not included | Website |
| Lloyds Bank | Records | No | Ready now | Ready now | Not included | Website |
All free versions
Includes bridging tools and products that only send quarterly updates.
| Software | Type | Final tax return | Sole trader | UK property | Foreign property | |
|---|---|---|---|---|---|---|
| Records | Yes | Ready now | Ready now | Not included | Website | |
 PaTMa Property Manager | Records | No | Not included | Ready now | Not included | Website |
| Pandle | Records + Bridging | Yes | Ready now | Ready now | Not included | Website |
 GetGround | Records + Bridging | No | Not included | Ready now | Not included | Website |
| My Tax Digital (Free) | Records + Bridging | Yes | Ready now | Ready now | Ready now | Website |
| Keepr | Records | Yes | Ready now | Not included | Not included | Website |
| Tide Accounting | Records | No | Ready now | Not included | Not included | Website |
| Monzo | Records | Yes | Ready now | Ready now | Not included | Website |
| Starling | Records | No | Ready now | Ready now | Not included | Website |
| AATAX | Records + Bridging | Yes | Ready now | Ready now | Ready now | Website |
| AccountsDesk | Records + Bridging | Yes | Ready now | Ready now | Ready now | Website |
| Acxite | Records + Bridging | No | Ready now | Ready now | Ready now | Website |
| Adminsoft Accounts | Records | No | Ready now | Ready now | Ready now | Website |
| Affordable | Records + Bridging | Yes | Ready now | Ready now | Not included | Website |
| Aligned.tax MTD for Spreadsheets | Bridging | No | Ready now | Ready now | Ready now | Website |
| ANNA Self Assessment | Records + Bridging | Yes | Ready now | Ready now | Not included | Website |
| CIS Invoice | Records | Yes | Ready now | Not included | Not included | Website |
| Clear Books Free | Records | Yes | Ready now | Ready now | Ready now | Website |
| Coconut Free | Records + Bridging | Yes | Ready now | Ready now | Ready now | Website |
| DIY Tax | Records + Bridging | Yes | Ready now | Ready now | Ready now | Website |
| FileThat! | Records + Bridging | Yes | Ready now | Ready now | Ready now | Website |
| flonancial | Bridging | Yes | Ready now | Ready now | Not included | Website |
| FreeAgent for free with Mettle, NatWest & RBS | Records | Yes | Ready now | Ready now | Not included | Website |
| IQ Books | Records | No | Ready now | Not included | Not included | Website |
| Lloyds Bank | Records | No | Ready now | Ready now | Not included | Website |
| MTDone | Records + Bridging | Yes | Ready now | Ready now | Not included | Website |
| Quarterwise | Records + Bridging | Yes | Ready now | Ready now | Ready now | Website |
| RentalBux Free | Records + Bridging | Yes | Ready now | Ready now | Ready now | Website |
| Sage Sole Trader & Landlord Free | Records | Yes | Ready now | Ready now | Not included | Website |
| Self Assessment Direct | Records + Bridging | Yes | Ready now | Ready now | Ready now | Website |
| Simplify | Records + Bridging | No | Not included | Ready now | Ready now | Website |
| SmartPropertyManager.com | Records | No | Not included | Ready now | Not included | Website |
| SumUp Accounting | Records | No | Ready now | Not included | Not included | Website |
| Tax Mouse | Records + Bridging | No | Ready now | Ready now | Not included | Website |
| TaxBridge UK MTD by Amelia GB | Records + Bridging | Yes | Ready now | Ready now | Ready now | Website |
| TaxHeaven | Records + Bridging | Yes | Ready now | Ready now | Ready now | Website |
| TaxUpdates | Bridging | Yes | Ready now | Ready now | Ready now | Website |
What to check in a free version
- Limits: number of transactions, bank feeds, invoices or properties. Free plans often cap one of these.
- Final tax return: if it is not included, you will need a second product or an accountant at year end.
- Your other income: salary, dividends or capital gains are often "in development". Check the product page.
Data: HMRC software finder (Open Government Licence v3.0), checked 2026-10-09. HMRC does not recommend any product.