LedgerlyPro vs Pandle for Making Tax Digital
By the selector's own rules, LedgerlyPro and Pandle both work for sole traders, so the choice comes down to the four points where they differ. Pandle offers a free plan, support for more than one property and bank feeds, which LedgerlyPro does not. Their cheapest plans are listed as £9.99 a month, VAT not stated (LedgerlyPro Premium) for LedgerlyPro and free for Pandle.
LedgerlyPro suits sole traders with no rental income who want one plan with invoicing, expenses and mileage, sole traders who would rather import a bank statement file than connect a live bank feed and sole traders whose accountant would like read-only access to their books. 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 | LedgerlyPro | Pandle |
|---|---|---|
| Cheapest plan | £9.99 a month, VAT not stated (LedgerlyPro Premium) | Free |
| Free plan | No | Yes |
| More than one property | No | Yes |
| Bank feeds | No | Yes |
On the other points we compare (jointly owned property, holiday lets and former FHL, self-employment income, 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 | LedgerlyPro | Pandle |
|---|---|---|
| Your tax return and other income | ||
| Sending your tax return | Intended | Available |
| Foreign property | Not stated | 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 | Not stated | Availablesince 9 October 2026 |
| 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 | 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 LedgerlyPro 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 “Intended” for LedgerlyPro and marks it “Available” for Pandle.
Does HMRC’s software list show a free version of LedgerlyPro or Pandle?
For a free version, HMRC’s software list as it stood on 30 October 2026 says nothing either way for LedgerlyPro and marks it “Available” for Pandle.
How many features does HMRC’s software list mark as available for LedgerlyPro and Pandle?
HMRC’s software list as it stood on 30 October 2026 covers 15 features, and it marks 0 “Available” for LedgerlyPro and 12 “Available” for Pandle. For LedgerlyPro, it marks 5 “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.
LedgerlyPro
- For sole traders
- £9.99 a month, VAT not stated
- Cheapest plan over 12 months
- £119.88, VAT not stated
We checked LedgerlyPro’s prices on 2 November 2026.
Pandle
- For sole traders
- Free
- Cheapest plan over 12 months
- Free
We checked Pandle’s prices on 25 October 2026.
Pandle also works for landlords and people with rental and self-employment income.
Notes from our checks
LedgerlyPro
When we last read HMRC's software list, on 2 November 2026, it showed LedgerlyPro's year-end return as planned rather than available. LedgerlyPro's MTD page says quarterly updates and the end-of-year final declaration are live for supported self-employment workflows, so the two differ, and it is worth checking with LedgerlyPro before relying on it for the year-end return. The same page says property income, agent filing and reporting other income sources are outside its current scope, so we do not suggest it when property income is in the picture, and someone whose return includes other income may need other software alongside it. Records come from CSV or Excel bank statement imports and receipts. LedgerlyPro says it does not connect directly to your bank, so we do not show bank feeds. Its website links to its apps on the App Store and Google Play, but we did not find anything on its website saying the apps send MTD updates, so you may need the website to send those. We did not find anything about furnished holiday lets. We checked this on 2 November 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
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