LandlordFile vs Pandle for Making Tax Digital
By the selector's own rules, LandlordFile and Pandle both work for landlords, so the choice comes down to the seven points where they differ. Pandle offers a free plan, support for self-employment income, bank feeds, receipt capture, phone apps and access for an accountant, which LandlordFile does not. Their cheapest plans are listed as £29 a year including VAT, about £2.42 a month (Annual (quarterly updates only)) for LandlordFile and free for Pandle.
LandlordFile suits landlords with two to ten UK properties who already keep good spreadsheet records, landlords who want the lowest yearly cost for quarterly updates and will file the year-end return elsewhere and landlords who would rather pay for each quarterly filing than take out a subscription. 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 | LandlordFile | Pandle |
|---|---|---|
| Cheapest plan | £29 a year including VAT, about £2.42 a month (Annual (quarterly updates only)) | Free |
| Free plan | No | Yes |
| Self-employment income | No | Yes |
| Bank feeds | No | Yes |
| Receipt capture | No | Yes |
| Phone apps | No | Yes (iOS and Android) |
| Accountant access | No | Yes |
On the other points we compare (more than one property, jointly owned property, holiday lets and former FHL 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 | LandlordFile | Pandle |
|---|---|---|
| Your tax return and other income | ||
| Sending your tax return | Not stated | Available |
| Foreign property | Not stated | Not stated |
| Construction Industry Scheme (CIS) | Not stated | Intended |
| Employment (PAYE) | Not stated | Availablesince 9 October 2026 |
| UK dividends | Not stated | Availablesince 9 October 2026 |
| UK interest | Not stated | Availablesince 9 October 2026 |
| Capital gains | Not stated | 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 | Available | Available |
| Deafness or impaired hearing | Available | Available |
| Motor or physical difficulties | Available | Available |
| Cognitive impairments | Available | 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 LandlordFile 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 says nothing either way for LandlordFile and marks it “Available” for Pandle.
Does HMRC’s software list show a free version of LandlordFile or Pandle?
For a free version, HMRC’s software list as it stood on 30 October 2026 says nothing either way for LandlordFile and marks it “Available” for Pandle.
How many features does HMRC’s software list mark as available for LandlordFile and Pandle?
HMRC’s software list as it stood on 30 October 2026 covers 15 features, and it marks 5 “Available” for LandlordFile and 12 “Available” for Pandle. For LandlordFile, it marks 0 “Intended” and gives no answer on 10. 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.
LandlordFile
- For landlords
- £29 a year including VAT, about £2.42 a month
- Cheapest plan over 12 months
- £29 including VATRegular price, before any offer
We checked LandlordFile’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
LandlordFile
HMRC's software list shows LandlordFile as bridging software for UK property income with quarterly updates; it does not list the tax return, and the pages checked describe quarterly filing only, so both plans are named as quarterly updates only and the year-end return needs other software. You upload an Excel or CSV spreadsheet with a row for each rent payment or bill, check the totals and send them. LandlordFile says it is right for individual landlords with 2 to 10 residential UK properties and not yet for lettings through a limited company or partnership, so it is shown only for that range. We show the annual plan's full price of £29 a year; a launch offer makes the first year £19 for anyone who joins by 7 February 2027, and nothing is charged until HMRC accepts the first filing. Self-employment income, joint ownership, a bank feed, receipt capture, mileage, accountant access, mobile apps and furnished holiday let handling were not found on the pages we read, so we do not show them.
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 comparisons with LandlordFile or Pandle
- AbraTax vs Pandle
- Abridge vs Pandle
- ApariSolo vs Pandle
- Bosh vs Pandle
- Briefcase vs Pandle
- Coconut vs Pandle
- Debbie vs Pandle
- EasyTaxer.com vs Pandle
- FileThat vs Pandle
- Hammock vs Pandle
- Kletta vs Pandle
- LandlordFile vs QuickBooks (Sole Trader Plus / Simple Start)
- 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