MTD software for
sole traders
HMRC-recognised Making Tax Digital software built for UK self-employed freelancers and sole traders. From quarterly MTD updates to your final SA103 - all in one app.
Everything a sole trader actually needs
Quarterly MTD updates, SA103 final declaration, AI bookkeeping - one subscription.
Open Banking feeds
Connect any UK bank, Wise, Revolut, Stripe, PayPal - every transaction in one ledger.
AI expense categorisation
Gemini-powered auto-categorisation into HMRC-compliant boxes for SA103.
Quarterly MTD updates
One-click cumulative submissions to HMRC's MTD for Income Tax API.
SA103 auto-fill
Full SA103F (long form) and SA103S (short form) with all 14 expense boxes.
Universal Credit calc
Built-in UC optimiser for self-employed claimants - MIF, taper, work allowance.
Receipt OCR
Snap a receipt, AI extracts merchant + total + VAT - auto-matched to transactions.
Sole-trader pricing
Free Starter plan for non-VAT sole traders. Essential at £12/month covers MTD for Income Tax in full.
Essential
Track money, file the basics
- Everything in Starter
- Open Banking (2 connections)
- SA103S (Short) self-assessment submission
- Mileage tracking & expense rules
- Dashboard & full transaction ledger
Pro
Most PopularRun a business properly
- Everything in Essential
- Invoicing, estimates & credit notes
- Full reports suite (P&L, cash flow, trial balance)
- Receipt capture & OCR (20/mo)
- SA103F (Full) self-assessment
- 5 bank connections, 3 team members
Business
Full compliance stack
- Everything in Pro
- CT600, VAT, CIS, Companies House
- Payroll, dividends & journal entries
- Inventory management (200 SKUs)
- AI Copilot & multi-currency
- Unlimited bank connections, 10 team members
Practice
Firm workflow
- Everything in Business — uncapped
- 25 entities included
- Accountant portal & API access
- White-label reports & bulk operations
- Unlimited team members & OCR
- Priority support
Starter
Free ForeverFree for non-VAT sole traders
- Free forever — no card required
- Open Banking (1 connection)
- 5 invoices per month
- MTD quarterly submissions
- Universal Credit calculator
- Receipt capture & basic P&L
Sole-trader MTD FAQ
Ready for April 2026?
Set up your sole-trader MTD records in under 10 minutes.