MTD Software for Individuals
Whether you earn income from property, self-employment or overseas sources, our platform gives you everything you need to stay compliant with Making Tax Digital. Keep digital records, submit quarterly updates and file your final declaration — all in one place, designed to be simple to use without compromising on functionality.
For Individuals Required to Use MTD
From April 2026, individuals with qualifying income over £50,000 must use MTD-compatible software. From April 2027, that threshold drops to £30,000. We make compliance easy.
Landlords with Property Income
Own one or more UK rental properties? You’ll need to submit quarterly income and expense updates to HM Revenue and Customs. Our platform supports all property income types — from standard rentals to furnished holiday lets, lease premiums and rent-a-room.
- UK residential & commercial property
- Multiple property tracking
- Furnished Holiday Let (FHL) support
- Rent-a-room scheme relief
- Lease premium & reverse premium
Sole Traders & Freelancers
Self-employed and earning above the MTD threshold? Record your income and expenses and submit quarterly updates without the complexity. We support all HMRC trade income categories and allowable deductions.
- Business turnover tracking
- All allowable trade expenses
- Cost of stock & goods
- Capital allowances
- Trading allowance (£1,000)
Overseas Property Owners
Earning rental income from properties outside the UK? This must also be reported under MTD. Our platform supports foreign property income with built-in foreign tax credit relief handling.
- Foreign rental income & expenses
- Foreign tax credit relief
- Multi-currency notes
- Separate quarterly tracking
- Combined year-end finalisation
Everything You Need for MTD Compliance
Our platform walks you through every step — from connecting to HMRC through to year-end finalisation. No tax jargon, just clear guidance.
Simple Income Tracking
Record your property, self-employment or foreign income each quarter. Enter figures manually with live totals and validation, or import from CSV with smart mapping. Every field aligns with HM Revenue and Customs requirements, so your data is ready for submission.
- Manual entry with live validation
- CSV import with smart column mapping
- Draft & save before submitting
- Side-by-side quarter comparison
One-Click HMRC Submissions
Review your figures and submit directly to HMRC in one click. No intermediaries or delays — your data is sent securely via an authorised connection. Receive instant confirmation with HMRC receipt references.
- Direct HMRC API submission
- Instant acceptance confirmation
- HMRC receipt reference stored
- Amend or delete past submissions
Compliance Reminders
Never miss a deadline. Get automatic email reminders before each quarterly submission and year-end finalisation. Your dashboard shows what’s filed, what’s due, and what’s overdue with a clear traffic-light system.
- Email alerts before each deadline
- Dashboard obligation tracker
- Traffic-light status indicators
- Overdue warning system
Real-Time Tax Calculations
After each submission, trigger HMRC’s official tax calculation directly from the platform. View a full breakdown of your estimated tax, National Insurance, student loans and other liabilities — before the year ends.
- HMRC's official calculation engine
- Income tax band breakdown
- NIC Class 2 & Class 4
- Student loan & dividend tax
Allowances & Deductions
Claim everything you’re entitled to. Manage allowances, reliefs and deductions in one place, including pensions, Gift Aid and more. All entries are structured to match HMRC requirements for accurate submission.
- Personal allowance management
- Marriage allowance transfer
- Gift Aid & pension contributions
- Blind person's allowance
Year-End Finalisation
At year-end, add any adjustments and review your final tax position. When ready, submit your Final Declaration to HMRC to complete the tax year.
- Annual adjustments wizard
- Final position review
- One-click crystallisation
- Post-finalisation PDF report
How Quarterly Submissions Work
Each tax year is split into four quarters. Here's what happens in each one and the key dates you need to know.
Quarter 1
6 Apr – 5 Jul · Due 5 Aug
Report income and expenses for the first three months of the tax year. This includes all rental receipts, business turnover, and allowable costs incurred during this period.
Quarter 2
6 Jul – 5 Oct · Due 5 Nov
Submit your second quarterly update covering the summer period. Compare against Q1 figures and review cumulative year-to-date totals automatically calculated by the platform.
Quarter 3
6 Oct – 5 Jan · Due 5 Feb
File income and expenses for the autumn/winter quarter. By Q3, you'll have a strong picture of your annual tax position. Trigger a tax calculation to see your estimated liability.
Quarter 4
6 Jan – 5 Apr · Due 5 May
Submit your final quarterly update. After this, add annual adjustments and allowances, review your full-year position, and submit your Final Declaration by 31 January.
Your Complete MTD Record Keeping Solution
File MTD ITSA keeps everything organised in one place — from submissions and calculations to supporting documents — all securely stored and accessible whenever you need it.
Submission Archive
Every quarterly submission you make is permanently stored with its full detail — income breakdowns, expense categories, HMRC receipt references, and timestamps. View, print, or export any submission at any time.
Professional PDFs
Generate print-ready A4 PDF reports of any submission. Each report includes income and expense breakdowns, HMRC references, and submission status — perfect for your own records or your accountant.
CSV Exports
Export your submission data to CSV format for use in spreadsheets or other accounting software. Filter by tax year, quarter, or income source.
Tax Calculation History
Every tax calculation you trigger is stored with its full breakdown. Compare calculations across quarters to see how your estimated liability changes as the year progresses.
Secure Storage
All your data is encrypted at rest and in transit with 256-bit SSL encryption. Our servers are UK-based and GDPR compliant.
HMRC Sync
Sync your submission history directly with HMRC to ensure your portal records match what HMRC holds. Any discrepancies are flagged immediately.
Pricing
Plans that fit your needs
- Quarterly filing dashboard with one-click submission
- Direct HMRC API connection with guided setup wizard
- HMRC tax calculations and estimates on demand
- Annual adjustments and year-end finalisation
- Allowances and deductions management
- Professional PDF submission reports
- CSV data import and export
- Email deadline reminders before each quarter
- Email support — response within 1 business day
- Full HMRC sandbox for testing
- Everything in Starter, plus:
- Priority support — 4-hour urgent response time
- Qualified accountant reviews every quarterly submission
- Tax questions answered by a real accountant
- Annual adjustments guidance and professional review
- Year-end finalisation support and sign-off
- Phone support during business hours
- Pre-submission error checking by accountant
- Personalised compliance calendar
- Tax planning tips and recommendations
- Everything in Pro, plus:
- Full-service quarterly filing — we handle everything
- Upload bank statements and invoices — we categorise
- Dedicated named accountant for your account
- Year-end Final Declaration filed entirely on your behalf
- Phone and email support with your named contact
- Proactive tax advice throughout the year
- Quarterly financial summaries sent to you
- End-of-year tax review meeting (video or phone)
- Complete peace of mind — zero effort required
No setup fees. No hidden charges. Cancel anytime. 14-day free trial on all plans.
MTD ITSA Individuals — FAQs
Common questions for landlords, sole traders, and users of File MTD ITSA.