FileThat vs Kletta for Making Tax Digital

FileThat

FileThat has no subscription. Keeping digital records is free, and you buy a credit for each new quarterly update or VAT return with figures in it, at £3.99, £4.99 or £5.99 depending on your qualifying income across all your businesses. The first 500 individuals to connect to HMRC keep £3.99 for good, and until FileThat has figures to work out your band you pay the lowest price, so the price you end up paying may be higher than the cheapest one shown. We show each band as a monthly equivalent of four quarterly updates for one business. We leave out the £3.99 band from our prices because people who must use MTD have qualifying income over £50,000 now and over £30,000 from April 2027, so the bands that apply to them start at £4.99. Each trade, your UK property and any foreign property are separate businesses with their own quarterly updates, so a landlord who is also self-employed pays twice, although FileThat caps an individual's spending at £50 in a tax year, with £55 the most charged. The annual submission, final declaration and amendments are free. The 4 free credits on sign-up cover the first year of quarterly updates for one business, and FileThat's pricing page says this is why HMRC's software finder lists it with a free version. After that first year there is no lasting free plan for filing, so we do not count it as a free tier. FileThat says all your UK lets are kept apart under nicknames and filed as one property business, and that it does not split figures between joint owners, so each owner files their own share. It says a UK holiday let is filed as part of the ordinary property business now that the furnished holiday lettings rules have ended. Bank transactions come from a CSV statement you upload, as FileThat deliberately does not use Open Banking, so we do not count that as a bank feed. An accountant can sign up as an agent and file for you, and FileThat also files from a spreadsheet template if you prefer. It is a website that works in a phone's browser, and we did not find mobile apps. None of the pages we read says whether VAT is added to FileThat's own prices. We checked this on 25 October 2026.

Kletta

Kletta's main pricing page is for accountants, from about £3 a month for each sole-trader client they manage, which is not what an individual pays. The Solo, Duo and Care plans and their prices are on Kletta's home page and on a separate pricing page for sole traders, which we now link to. The home page has two sets of plan cards, and they disagree on the new-customer discount for Duo and Care and on which plan includes bank connection: one set lists it from Solo and the other only on Care. We show the full prices, which both sets agree on, and show bank connection for Kletta as a whole. Property income and expenses are mentioned for Duo and Care but not for Solo, so we treat Solo as self-employment only. We did not find tracking for several separate properties, a way to split jointly owned property, or anything about furnished holiday lets. Kletta's apps are on the App Store and Google Play. If your accountant's practice uses Kletta for Accountants, the records you keep in the app sync to their dashboard, where they can review them and prepare your submissions, so we show accountant access. We checked this on 25 October 2026.