FileThat vs RentalBux 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.

RentalBux

RentalBux prices its Landlord and Landlord + Self-Employed plans by the number of property units: 1 to 3, 4 to 10 and 11 to 20, with larger portfolios priced on request. We show the yearly-billed rates, which are what RentalBux shows first, and each plan's note gives the monthly-billing rate. All prices exclude VAT. The free plan covers one property unit or one business, and RentalBux says it is free until March 2028 with no card needed. When we checked, the paid plans were free until 15 November 2026 and the site offered your first MTD submission free. We show the regular prices. RentalBux splits income and expenses between joint owners by ownership percentage and reports profit for each property across a portfolio, so we show joint-ownership and multi-property support. Its help pages say it still supports furnished holiday let records from before that regime ended and treats new lettings under the standard property rules, so we show holiday-let support. They also say you can invite your accountant as a collaborator from your account settings at no extra cost, and you decide what they can see, change or submit. We did not find mileage tracking. The same help pages still mention a free plan until August 2026 and paid plans that are free until your first MTD submission; we show the terms on the pricing page. We checked this on 25 October 2026.