Cheapest MTD software for sole traders, by checked price
Which MTD software is cheapest for sole traders?
Of the 37 products with a stated price, 11 have a free plan for sole traders, and the lowest paid price after them is FileThat’s, at £4.99 for each quarterly update, about £1.66 a month for four updates a year, VAT not stated. We checked these prices between 12 September and 3 November 2026, and because some free plans depend on a particular bank account, the full list from the lowest checked price gives each plan with its condition.
Our selector keeps 37 of the products we compare for people with self-employment income, and this page lists them by one thing only: the price of each one’s cheapest plan for sole traders, lowest first, as we found it on the provider’s own site on the day shown. Where a provider quotes a price without VAT, we add VAT at the standard rate before sorting, so every price is compared on the same footing. Products at the same price sit in alphabetical order, and nobody pays for a place.
The cheapest plan is not always the right one for you. A free plan may depend on a particular bank account, or a low price may cover the quarterly updates but not the tax return at the end of the year, so we give the condition beside each product where there is one. For an order that weighs how well each product fits your income, see the selector’s order for sole traders, or answer the selector’s questions for a shortlist of your own. How we compare products explains how we check each price.
The 37 products, from the lowest checked price
- 1
Cheapest plan for sole traders: Free (Sole Trader Free / Property Free)
We checked the prices for Clear Books on 25 October 2026.
- 2
Cheapest plan for sole traders: Free
We checked the prices for flonancial on 25 October 2026.
- 3
Cheapest plan for sole traders: Free (qualifying bank account)
Free with a NatWest, Royal Bank of Scotland, Ulster Bank or Mettle business account
We checked the prices for FreeAgent on 25 October 2026.
- 4
Cheapest plan for sole traders: Free
We checked the prices for Keepr on 25 October 2026.
- 5
Monzo Business (MTD for Income Tax)
Cheapest plan for sole traders: Free (Lite)
Free with a Monzo business account
We checked the prices for Monzo Business (MTD for Income Tax) on 25 October 2026.
- 6
Cheapest plan for sole traders: Free
We checked the prices for Pandle on 25 October 2026.
- 7
Cheapest plan for sole traders: Free
We checked the prices for Quarterwise on 25 October 2026.
- 8
Cheapest plan for sole traders: Free (until March 2028)
Free until March 2028
We checked the prices for RentalBux on 25 October 2026.
- 9
Cheapest plan for sole traders: Free (Sole Trader Free)
We checked the prices for Sage (Sole Trader) on 12 September 2026.
- 10
Cheapest plan for sole traders: Free
We checked the prices for TradeKit on 25 October 2026.
- 11
Cheapest plan for sole traders: Free
We checked the prices for Zoho Books (UK) on 25 October 2026.
- 12
Cheapest plan for sole traders: £4.99 for each quarterly update, about £1.66 a month for four updates a year, VAT not stated (Pay per submission (qualifying income £30,000 to £50,000))
We checked the prices for FileThat on 25 October 2026.
- 13
Cheapest plan for sole traders: £24 plus VAT a year, about £2 a month (Solo (1 individual, quarterly updates only))
We checked the prices for TaxCalc MTD Quarterly Filer on 25 October 2026.
- 14
Cheapest plan for sole traders: £30 plus VAT a year, about £2.50 a month (Individual (1 NI number))
We checked the prices for VitalTax on 25 October 2026.
- 15
Cheapest plan for sole traders: £39 a year including VAT, about £3.25 a month (Full MTD Coverage)
We checked the prices for Abridge on 2 November 2026.
- 16
Cheapest plan for sole traders: £39 a year including VAT, about £3.25 a month (Solo)
We checked the prices for Quartax on 2 November 2026.
- 17
Cheapest plan for sole traders: £49 a year including VAT, about £4.08 a month (Sole trader (one business))
This is the regular price. EasyTaxer.com also advertises an introductory offer, which we leave out because it ends.
We checked the prices for EasyTaxer.com on 25 October 2026.
- 18
Cheapest plan for sole traders: £49.99 a year, about £4.17 a month, VAT not stated (MTD Bridging (quarterly updates only))
We checked the prices for Coconut on 25 October 2026.
- 19
Cheapest plan for sole traders: £3.99 plus VAT a month (Bosh (quarterly updates only))
We checked the prices for Bosh on 2 November 2026.
- 20
Cheapest plan for sole traders: £5 plus VAT a month (Individual)
We checked the prices for AbraTax on 2 November 2026.
- 21
Cheapest plan for sole traders: £60 plus VAT a year, about £5 a month (Power User (includes MTD for Income Tax))
We checked the prices for QuickFile on 25 October 2026.
- 22
Cheapest plan for sole traders: £6 a month, VAT not stated (Bridging (without year-end return))
We checked the prices for Taxd on 25 October 2026.
- 23
Cheapest plan for sole traders: £60 plus VAT a year, about £5 a month (Annual Plan)
We checked the prices for TaxNav on 25 October 2026.
- 24
Cheapest plan for sole traders: £7 plus VAT a month (Simple)
We checked the prices for Xero on 25 October 2026.
- 25
Cheapest plan for sole traders: £9.99 a month, VAT not stated (LedgerlyPro Premium)
We checked the prices for LedgerlyPro on 2 November 2026.
- 26
Cheapest plan for sole traders: £10 a month, no VAT charged (Solo)
We checked the prices for Debbie on 25 October 2026.
- 27
Cheapest plan for sole traders: £129.99 a year including VAT, about £10.83 a month (Pro including MTD)
We checked the prices for untied on 25 October 2026.
- 28
Cheapest plan for sole traders: £144 a year including VAT, about £12 a month (ApariSolo (MTD quarterly updates only))
We checked the prices for ApariSolo on 2 November 2026.
- 29
Cheapest plan for sole traders: £10 plus VAT a month (Crunch Plus)
We checked the prices for Crunch on 25 October 2026.
- 30
QuickBooks (Sole Trader Plus / Simple Start)
Cheapest plan for sole traders: £10 plus VAT a month (Sole Trader Plus)
We checked the prices for QuickBooks (Sole Trader Plus / Simple Start) on 3 November 2026.
Alternatives to QuickBooks (Sole Trader Plus / Simple Start)
- 31
Cheapest plan for sole traders: £15 plus VAT a month (Bookkeeping (Self Assessment module extra))
We checked the prices for Nomi on 25 October 2026.
- 32
Cheapest plan for sole traders: £19 a month, VAT not stated (Solo)
This is the regular price. Kletta also advertises an introductory offer, which we leave out because it ends.
We checked the prices for Kletta on 25 October 2026.
- 33
Cheapest plan for sole traders: £270 a year, about £22.50 a month, VAT not stated (Self-Managed (one income source))
We checked the prices for TaxDash on 25 October 2026.
- 34
Cheapest plan for sole traders: £19 plus VAT a month (Low)
We checked the prices for Briefcase on 25 October 2026.
- 35
Cheapest plan for sole traders: £21.97 plus VAT a month (Starter)
We checked the prices for Landlord Vision on 1 November 2026.
- 36
Cheapest plan for sole traders: £29 a month, VAT not stated (Auto Accountant (self-employment Self Assessment and MTD))
This is the regular price. ANNA Money (MTD ITSA) also advertises an introductory offer, which we leave out because it ends.
We checked the prices for ANNA Money (MTD ITSA) on 2 November 2026.
- 37
Cheapest plan for sole traders: £28 plus VAT a month (Business (quarterly updates only))
We checked the prices for Powered Now on 25 October 2026.
The order on this page comes only from the checked prices. How we compare products and how this site is funded explain the rest.