Debbie vs untied for Making Tax Digital
By the selector's own rules, Debbie and untied both work for landlords and sole traders, including people with both kinds of income, so the choice comes down to the four points where they differ. untied offers bank feeds, phone apps and access for an accountant, which Debbie does not. Their cheapest plans are listed as £10 a month, no VAT charged (Solo) for Debbie and £129.99 a year including VAT, about £10.83 a month (Pro including MTD) for untied.
Debbie suits sole traders who would rather upload a bank statement each quarter than connect a live bank feed, tradespeople who want quotes, invoices and their MTD filing in the same app and people with a trade and a single rental property who want both on one account. untied suits people with mixed income (property + self-employment or PAYE), sole traders who want a phone-only workflow and non-resident and joint-owner landlords with complex returns.
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 | Debbie | untied |
|---|---|---|
| Cheapest plan | £10 a month, no VAT charged (Solo) | £129.99 a year including VAT, about £10.83 a month (Pro including MTD) |
| Bank feeds | No | Yes |
| Phone apps | No | Yes (iOS and Android) |
| Accountant access | No | Yes |
On the other points we compare (free plan, more than one property, jointly owned property, holiday lets and former FHL, self-employment income, receipt capture 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 | Debbie | untied |
|---|---|---|
| Your tax return and other income | ||
| Sending your tax return | Available | Available |
| Foreign property | Not stated | Available |
| Construction Industry Scheme (CIS) | Available | Available |
| Employment (PAYE) | Intended | Available |
| UK dividends | Intended | Available |
| UK interest | Intended | Available |
| Capital gains | Not stated | Available |
| How it works | ||
| Bridging software that connects to your records | Not stated | Available |
| Calendar update periods (1 April to 31 March) | Not stated | Available |
| A free version | Not stated | Not stated |
| Welsh language | Not stated | Not stated |
| Accessibility | ||
| Blindness or impaired vision | Available | Not stated |
| Deafness or impaired hearing | Available | Not stated |
| Motor or physical difficulties | Available | Not stated |
| Cognitive impairments | Available | Not stated |
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 Debbie and untied 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 Debbie and marks it “Available” for untied.
Does HMRC’s software list show a free version of Debbie or untied?
For a free version, HMRC’s software list as it stood on 30 October 2026 says nothing either way for Debbie and says nothing either way for untied.
How many features does HMRC’s software list mark as available for Debbie and untied?
HMRC’s software list as it stood on 30 October 2026 covers 15 features, and it marks 6 “Available” for Debbie and 9 “Available” for untied. For Debbie, it marks 3 “Intended” and gives no answer on 6. For untied, it marks 0 “Intended” and gives no answer on 6.
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.
Debbie
- For landlords
- £10 a month, no VAT charged
- For sole traders
- £10 a month, no VAT charged
- For people with rental and self-employment income
- £17 a month, no VAT charged
- Cheapest plan over 12 months for landlords and sole traders
- £120, no VAT chargedThe monthly price times 12; the provider also bills by the year
- Cheapest plan over 12 months for people with rental and self-employment income
- £204, no VAT chargedThe monthly price times 12; the provider also bills by the year
We checked Debbie’s prices on 25 October 2026.
untied
- For landlords
- £129.99 a year including VAT, about £10.83 a month
- For sole traders
- £129.99 a year including VAT, about £10.83 a month
- For people with rental and self-employment income
- £129.99 a year including VAT, about £10.83 a month
- Cheapest plan over 12 months
- £129.99 including VAT
We checked untied’s prices on 25 October 2026.
Notes from our checks
Debbie
Debbie's FAQ says it sends MTD quarterly updates, the end of year figures and the final declaration to HMRC once you confirm them, and HMRC's software list shows self-employment income, UK property income, quarterly updates and the tax return as available. Records come from a bank statement you export and upload; the FAQ says a live bank feed is planned but not available yet, so we do not show a bank feed. The landlord pages describe property records, Section 24 relief and your share of a jointly owned property. The pages say a property counts as one business slot without saying whether that means each property or a whole letting business, so each plan is matched only to as many properties as it has slots, and Debbie may suit larger portfolios than shown here. Debbie runs in the phone's browser and is added to the home screen rather than downloaded from an app store, so we do not show iOS or Android apps. The FAQ says sending VAT returns to HMRC is not built yet. A login for an accountant and furnished holiday let handling were not found on the pages we read, so we do not show them; the Tax Return Pack is a download for whoever files for you. We show the full monthly price; the first month is free, and the page advertises a second free month for a limited time.
untied
untied is often listed as free in roundups, but the free version is a 30-day trial and filing requires a paid plan. Plans are priced per tax year with VAT included, which is unusual for this market, so compare like-for-like against ex-VAT monthly prices carefully. untied also sells a cheaper Lite plan, but its pricing page shows Making Tax Digital and property income as not included on Lite, so we do not list it.
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 comparisons with Debbie or untied
- AbraTax vs untied
- Abridge vs untied
- ANNA Money (MTD ITSA) vs untied
- Bosh vs untied
- Crunch vs untied
- Debbie vs FileThat
- Debbie vs Pandle
- Debbie vs QuickBooks (Sole Trader Plus / Simple Start)
- Debbie vs Xero
- FileThat vs untied
- flonancial vs untied
- Keepr vs untied
- Kletta vs untied
- Landlord Studio vs untied
- Nomi vs untied
- Pandle vs untied
- Powered Now vs untied
- Quarterwise vs untied
- QuickBooks (Sole Trader Plus / Simple Start) vs untied
- QuickFile vs untied
- TradeKit vs untied
- untied vs Xero
- untied vs Zoho Books (UK)