Pandle vs Quartax for Making Tax Digital
By the selector's own rules, Pandle and Quartax both work for landlords and sole traders, including people with both kinds of income, so the choice comes down to the six points where they differ. Quartax offers support for jointly owned property, which Pandle does not. Quartax does not offer a free plan, bank feeds, receipt capture or phone apps, which Pandle does. Their cheapest plans are listed as free for Pandle and £39 a year including VAT, about £3.25 a month (Solo) for Quartax.
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. Quartax suits landlords with up to three properties who want MTD done without learning bookkeeping software, sole traders with one simple business who are happy to upload a bank statement each quarter and joint owners who want each update to use their own share of the rent.
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 | Pandle | Quartax |
|---|---|---|
| Cheapest plan | Free | £39 a year including VAT, about £3.25 a month (Solo) |
| Free plan | Yes | No |
| Jointly owned property | No | Yes |
| Bank feeds | Yes | No |
| Receipt capture | Yes | No |
| Phone apps | Yes (iOS and Android) | No |
On the other points we compare (more than one property, holiday lets and former FHL, self-employment income, 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 | Pandle | Quartax |
|---|---|---|
| Your tax return and other income | ||
| Sending your tax return | Available | Available |
| Foreign property | Not stated | Not stated |
| Construction Industry Scheme (CIS) | Intended | Not stated |
| Employment (PAYE) | Availablesince 9 October 2026 | Not stated |
| UK dividends | Availablesince 9 October 2026 | Not stated |
| UK interest | Availablesince 9 October 2026 | Not stated |
| Capital gains | Availablesince 9 October 2026 | Not stated |
| How it works | ||
| Bridging software that connects to your records | Available | Not stated |
| Calendar update periods (1 April to 31 March) | Available | Not stated |
| A free version | Available | Not stated |
| Welsh language | Not stated | Not stated |
| Accessibility | ||
| Blindness or impaired vision | Available | Not stated |
| Deafness or impaired hearing | Available | Not stated |
| Motor or physical difficulties | Available | Not stated |
| Cognitive impairments | Available | Not stated |
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 Pandle and Quartax 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 Pandle and marks it “Available” for Quartax.
Does HMRC’s software list show a free version of Pandle or Quartax?
For a free version, HMRC’s software list as it stood on 30 October 2026 marks it “Available” for Pandle and says nothing either way for Quartax.
How many features does HMRC’s software list mark as available for Pandle and Quartax?
HMRC’s software list as it stood on 30 October 2026 covers 15 features, and it marks 12 “Available” for Pandle and 1 “Available” for Quartax. For Pandle, it marks 1 “Intended” and gives no answer on 2. For Quartax, it marks 0 “Intended” and gives no answer on 14.
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.
Pandle
- For landlords
- Free
- For sole traders
- Free
- For people with rental and self-employment income
- Free
- Cheapest plan over 12 months
- Free
We checked Pandle’s prices on 25 October 2026.
Quartax
- For landlords
- £39 a year including VAT, about £3.25 a month
- For sole traders
- £39 a year including VAT, about £3.25 a month
- For people with rental and self-employment income
- £59 a year, about £4.92 a month, VAT not stated
- Cheapest plan over 12 months for landlords and sole traders
- £39 including VAT
- Cheapest plan over 12 months for people with rental and self-employment income
- £59, VAT not stated
We checked Quartax’s prices on 2 November 2026.
Notes from our checks
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.
Quartax
Quartax works from a bank statement you download as a CSV file and upload each quarter, rather than a live bank feed, so we do not mark it as having bank feeds. Its pricing page includes the year-end final declaration in both plans, and a Quartax guide dated 9 October 2026, which Quartax says it checked against HMRC guidance, says it files the final declaration for UK property and self-employment income, though salary, savings, dividends and pensions have to be added in your HMRC online account. Its terms, last updated in February 2026, still say the final declaration is not supported, so we go with the newer pages. Quartax's home page says the £39 Solo price includes VAT, but we did not find the same wording for the £59 Landlord plan. The Landlord plan covers up to three income sources in total, so a landlord with three properties and a business as well would go over it, and we did not find a plan for larger portfolios. Joint owners can set their share on each upload, and accountants get a read-only share link. We did not find mileage tracking, receipt capture, mobile apps or anything about furnished holiday lets. We checked this on 2 November 2026.
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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