Hammock vs Pandle for Making Tax Digital
By the selector's own rules, Hammock and Pandle both work for landlords, so the choice comes down to the five points where they differ. Pandle offers a free plan and support for self-employment income, which Hammock does not. Pandle does not offer support for jointly owned property or handling for holiday lets, which Hammock does. Their cheapest plans are listed as £8 plus VAT a month (Basic (1-3 properties)) for Hammock and free for Pandle.
Hammock suits landlords with 1-10 properties who handle sole-trade income separately, landlords who want detailed per-property profitability reporting and joint owners and holiday-let landlords staying property-only. 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 | Hammock | Pandle |
|---|---|---|
| Cheapest plan | £8 plus VAT a month (Basic (1-3 properties)) | Free |
| Free plan | No | Yes |
| Jointly owned property | Yes | No |
| Holiday lets and former FHL | Yes | No |
| Self-employment income | No | Yes |
On the other points we compare (more than one property, bank feeds, receipt capture, phone apps, 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 | Hammock | Pandle |
|---|---|---|
| Your tax return and other income | ||
| Sending your tax return | Available | Available |
| Foreign property | Available | 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) | 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 Hammock 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 Hammock and marks it “Available” for Pandle.
Does HMRC’s software list show a free version of Hammock or Pandle?
For a free version, HMRC’s software list as it stood on 30 October 2026 says nothing either way for Hammock and marks it “Available” for Pandle.
How many features does HMRC’s software list mark as available for Hammock and Pandle?
HMRC’s software list as it stood on 30 October 2026 covers 15 features, and it marks 4 “Available” for Hammock and 12 “Available” for Pandle. For Hammock, it marks 5 “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.
Hammock
- For landlords
- £8 plus VAT a month
- Cheapest plan over 12 months
- £96 plus VATThe monthly price times 12; the provider also bills by the year
We checked Hammock’s prices on 25 October 2026.
Pandle
- For landlords
- Free
- Cheapest plan over 12 months
- Free
We checked Pandle’s prices on 25 October 2026.
Pandle also works for sole traders and people with rental and self-employment income.
Notes from our checks
Hammock
Pricing is tiered by property count, not tenancy count: 1-3 properties £8/mo + VAT, 4-10 properties £15/mo + VAT, 11-20 properties £25/mo + VAT, and 21+ properties £31.50/mo + VAT. Hammock calls the 21+ plan Beyond and asks how many properties you have before it confirms that price. Hammock also advertises a 30-day free trial and 20% discount on annual billing. Its help centre has a guide to adding mileage claims, which then feed into your tax statement, so we show mileage tracking. We checked this on 25 October 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
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