Bosh vs Pandle for Making Tax Digital
By the selector's own rules, Bosh and Pandle both work for sole traders, so the choice comes down to the five points where they differ. Pandle offers a free plan, support for more than one property, receipt capture and access for an accountant, which Bosh does not. Their cheapest plans are listed as £3.99 plus VAT a month (Bosh (quarterly updates only)) for Bosh and free for Pandle.
Bosh suits sole traders in the building trades who would like their bank transactions sorted for them, subcontractors on the Construction Industry Scheme who want CIS tracked on the Bosh+ plan and VAT-registered sole traders who want Income Tax and VAT updates in the same app. 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 | Bosh | Pandle |
|---|---|---|
| Cheapest plan | £3.99 plus VAT a month (Bosh (quarterly updates only)) | Free |
| Free plan | No | Yes |
| More than one property | No | Yes |
| Receipt capture | No | Yes |
| Accountant access | No | Yes |
On the other points we compare (jointly owned property, holiday lets and former FHL, self-employment income, bank feeds and phone apps), they give the same answer, or at least one provider does not say. The full list is under each product’s own page.
Both send MTD for VAT returns, from different plans: Bosh from the Bosh VAT (quarterly updates only) plan and Pandle from the Pandle plan.
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 | Bosh | Pandle |
|---|---|---|
| Your tax return and other income | ||
| Sending your tax return | Intended | Available |
| Foreign property | Not stated | Not stated |
| Construction Industry Scheme (CIS) | Intended | Intended |
| Employment (PAYE) | Intended | Availablesince 9 October 2026 |
| UK dividends | Intended | Availablesince 9 October 2026 |
| UK interest | Intended | Availablesince 9 October 2026 |
| Capital gains | Intended | Availablesince 9 October 2026 |
| How it works | ||
| Bridging software that connects to your records | Available | Available |
| Calendar update periods (1 April to 31 March) | Not stated | 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 Bosh 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 “Intended” for Bosh and marks it “Available” for Pandle.
Does HMRC’s software list show a free version of Bosh or Pandle?
For a free version, HMRC’s software list as it stood on 30 October 2026 says nothing either way for Bosh and marks it “Available” for Pandle.
How many features does HMRC’s software list mark as available for Bosh and Pandle?
HMRC’s software list as it stood on 30 October 2026 covers 15 features, and it marks 1 “Available” for Bosh and 12 “Available” for Pandle. For Bosh, it marks 6 “Intended” and gives no answer on 8. 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.
Bosh
- For sole traders
- £3.99 plus VAT a month
- Cheapest plan over 12 months
- £47.88 plus VAT
We checked Bosh’s prices on 2 November 2026.
Pandle
- For sole traders
- Free
- Cheapest plan over 12 months
- Free
We checked Pandle’s prices on 25 October 2026.
Pandle also works for landlords and people with rental and self-employment income.
Notes from our checks
Bosh
Bosh's MTD page describes sending the quarterly updates from the app and says you still finalise the year yourself by 31 January. Its home page now also talks about submitting your Self Assessment directly to HMRC, but when we looked at HMRC's software list on 2 November 2026 it still showed the year-end return as intended rather than available. Until Bosh's pages and HMRC's list agree, we name each plan as quarterly updates only. Bosh's pages are written for sole traders in the trades and we found nothing about property income; HMRC's list does not show UK property income for Bosh either, so we mark the plans as unsuitable when property income is in the picture. All prices are stated as excluding VAT. Bosh+ adds CIS and Bosh VAT adds MTD for VAT returns. The app is offered through the App Store and Google Play, and we did not find a web version. We did not find receipt capture, mileage tracking, accountant access or anything about furnished holiday lets. 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
More on these two products
Other side-by-side comparisons
- AbraTax vs Pandle
- Abridge vs Pandle
- ApariSolo vs Pandle
- Bosh vs FileThat
- Bosh vs untied
- Bosh vs Xero
- Briefcase vs Pandle
- Coconut vs Pandle
- Debbie vs Pandle
- EasyTaxer.com vs Pandle
- FileThat vs Pandle
- Hammock vs Pandle
- Kletta vs Pandle
- LandlordFile vs Pandle
- LedgerlyPro vs Pandle
- LetCompliance vs Pandle
- Pandle vs Powered Now
- Pandle vs Provestor for Landlords
- Pandle vs Quartax
- Pandle vs QuickBooks (Sole Trader Plus / Simple Start)
- Pandle vs RentFig
- Pandle vs TaxCalc MTD Quarterly Filer
- Pandle vs Taxd
- Pandle vs TaxDash
- Pandle vs TaxNav
- Pandle vs untied
- Pandle vs VitalTax
- Pandle vs Xero
- QuickBooks (Sole Trader Plus / Simple Start) vs VitalTax