AbraTax vs Pandle for Making Tax Digital
By the selector's own rules, AbraTax and Pandle both work for landlords and sole traders, including people with both kinds of income, so the choice comes down to the six points where they differ. Pandle offers a free plan, support for more than one property, bank feeds, receipt capture and phone apps, which AbraTax does not. Their cheapest plans are listed as £5 plus VAT a month (Individual) for AbraTax and free for Pandle.
AbraTax suits sole traders and landlords who keep their records in Excel or Google Sheets and want to carry on, people with other income such as dividends or interest who want the whole tax return in one place and couples, business partners or families who want to file several people's returns from one account. Pandle suits sole traders and landlords who want free MTD submissions without a usage cap, small portfolios that can start with manual bank imports and users willing to pay a modest amount for live feeds and per-property projects.
The facts on this page come from each provider’s own pages and from HMRC’s software list, and how we compare products explains how we check them.
If you are thinking of moving from one to the other, the guide to changing your MTD software explains what GOV.UK says about when you can move and what happens to your records.
Where they differ
These are the points where our checks of the two products came out differently. A “No” means we did not find that feature on the provider’s own pages when we last checked them. Where we had nothing to go on for one of the two, we leave the point out here rather than guess.
| Point | AbraTax | Pandle |
|---|---|---|
| Cheapest plan | £5 plus VAT a month (Individual) | Free |
| Free plan | No | Yes |
| More than one property | No | Yes |
| Bank feeds | No | Yes |
| Receipt capture | No | Yes |
| Phone apps | No | Yes (iOS and Android) |
On the other points we compare (jointly owned property, holiday lets and former FHL, self-employment income, accountant access and MTD for VAT returns), they give the same answer, or at least one provider does not say. The full list is under each product’s own page.
What HMRC’s software list says about both
HMRC’s list marks each feature as available now or intended for later. This is what HMRC’s list says, not something we have tested ourselves. Where HMRC lists a product under more than one name, we show the strongest answer and the listing it comes from.
| Feature | AbraTax | Pandle |
|---|---|---|
| Your tax return and other income | ||
| Sending your tax return | Availablesince 26 June 2026 | Available |
| Foreign property | Available | Not stated |
| Construction Industry Scheme (CIS) | Availablesince 10 July 2026 | Intended |
| Employment (PAYE) | Availablesince 28 August 2026 | Availablesince 9 October 2026 |
| UK dividends | Availablesince 19 June 2026 | Availablesince 9 October 2026 |
| UK interest | Availablesince 19 June 2026 | Availablesince 9 October 2026 |
| Capital gains | Availablesince 19 June 2026 | Availablesince 9 October 2026 |
| How it works | ||
| Bridging software that connects to your records | Available | Available |
| Calendar update periods (1 April to 31 March) | Available | Available |
| A free version | Not stated | Available |
| Welsh language | Not stated | Not stated |
| Accessibility | ||
| Blindness or impaired vision | Not stated | Available |
| Deafness or impaired hearing | Not stated | Available |
| Motor or physical difficulties | Not stated | Available |
| Cognitive impairments | Not stated | Available |
This is HMRC’s list as it stood on 30 October 2026, at HMRC’s commit 201b34e. A date beside a feature is when HMRC’s list changed it from intended to available. HMRC’s software finder shows the current answers. How we read HMRC’s list
Does HMRC’s software list show AbraTax and Pandle as available for sending your tax return?
For sending your tax return, HMRC’s software list as it stood on 30 October 2026 marks it “Available” for AbraTax, since 26 June 2026 and marks it “Available” for Pandle.
Does HMRC’s software list show a free version of AbraTax or Pandle?
For a free version, HMRC’s software list as it stood on 30 October 2026 says nothing either way for AbraTax and marks it “Available” for Pandle.
How many features does HMRC’s software list mark as available for AbraTax and Pandle?
HMRC’s software list as it stood on 30 October 2026 covers 15 features, and it marks 9 “Available” for AbraTax and 12 “Available” for Pandle. For AbraTax, it marks 0 “Intended” and gives no answer on 6. For Pandle, it marks 1 “Intended” and gives no answer on 2.
The cheapest plan for your situation
A product’s cheapest plan is not always one you can use, because some plans are only for landlords or only for sole traders. These are the lowest prices the selector would show each reader, as each provider states them. Where a price grows with the number of properties, it is shown as a starting price. The figure over 12 months is the same plan at its regular price, worked out the way the software cost calculator does it.
AbraTax
- For landlords
- £5 plus VAT a month
- For sole traders
- £5 plus VAT a month
- For people with rental and self-employment income
- £5 plus VAT a month
- Cheapest plan over 12 months
- £60 plus VATThe monthly price times 12; the provider also bills by the year
We checked AbraTax’s prices on 2 November 2026.
Pandle
- For landlords
- Free
- For sole traders
- Free
- For people with rental and self-employment income
- Free
- Cheapest plan over 12 months
- Free
We checked Pandle’s prices on 25 October 2026.
Notes from our checks
AbraTax
AbraTax is bridging software, so you keep your bookkeeping in your own spreadsheet and link AbraTax's template to it with formulas, which is how it makes the digital link HMRC asks for. Its MTD page lists three plans, priced by how many people's returns you file rather than by income or property, and each one covers self-employment, UK property and foreign property, other income such as dividends and interest, quarterly updates and the annual tax return. We show the monthly prices, and the annual option works out cheaper, at £50 a year for one person. AbraTax shows these prices excluding VAT. It says there are no bank feeds, and every plan lets you share access with your accountant. Your first return is free, which we treat as a trial rather than a free plan. We did not find anything about several properties, jointly owned property, furnished holiday lets, mileage, receipt capture or mobile apps. We checked this on 2 November 2026.
Pandle
Pandle's free plan includes MTD Income Tax submissions and no usage limits. Live bank feeds, projects for separating properties, receipt uploads and mileage tracking are Pro features at £5 + VAT per month. Confirm joint-ownership, foreign-property and final-return coverage for your exact setup.
Neither product is ranked above the other here: the page sets out what each provider says so you can weigh it against your own situation. How we compare products
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