Pandle vs RentFig for Making Tax Digital

We checked these prices between 25 October and 2 November 2026.

By the selector's own rules, Pandle and RentFig both work for landlords, so the choice comes down to the five points where they differ. RentFig offers support for jointly owned property, which Pandle does not. RentFig does not offer a free plan, support for self-employment income or phone apps, which Pandle does. Their cheapest plans are listed as free for Pandle and £9 a month, no VAT charged (Starter (quarterly updates only)) for RentFig.

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. RentFig suits self-managing landlords who want tenancy admin, compliance reminders and their quarterly updates in one place, HMO landlords who count tenancies room by room and joint owners who each send the quarterly update for their own share.

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.

Where Pandle and RentFig differ
Point	Pandle	RentFig
Cheapest plan	Free	£9 a month, no VAT charged (Starter (quarterly updates only))
Free plan	Yes	No
Jointly owned property	No	Yes
Self-employment income	Yes	No
Phone apps	Yes (iOS and Android)	No

On the other points we compare (more than one property, holiday lets and former FHL, bank feeds, receipt capture, 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.

What HMRC’s software list says about Pandle and RentFig
Feature	Pandle	RentFig
Your tax return and other income
Sending your tax return	Available	Intended
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	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 Pandle and RentFig 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 “Intended” for RentFig.

Does HMRC’s software list show a free version of Pandle or RentFig?

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 RentFig.

How many features does HMRC’s software list mark as available for Pandle and RentFig?

HMRC’s software list as it stood on 30 October 2026 covers 15 features, and it marks 12 “Available” for Pandle and 4 “Available” for RentFig. For Pandle, it marks 1 “Intended” and gives no answer on 2. For RentFig, it marks 1 “Intended” and gives no answer on 10.

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
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.

RentFig

For landlords: £9 a month, no VAT charged
Cheapest plan over 12 months: £108, no VAT chargedThe monthly price times 12; the provider also bills by the year

We checked RentFig’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.

RentFig

HMRC's software list data shows the year-end return as intended, not yet available (commit 201b34e, checked on 2 November 2026). RentFig's pricing page says the final declaration is not in RentFig yet and suggests other HMRC-recognised software or an accountant for it, so each plan is named as quarterly updates only. Sending quarterly updates is included on the Starter, Standard and Business plans; RentFig also has a free plan for up to two tenancies, but MTD is listed only on the paid plans, so the free plan is not listed here and we do not show a free option. Plans are priced by tenancies rather than properties, so the property limits used here are an upper bound for single lets and HMO landlords may need a larger plan. Co-owners can each send their own share. A live bank feed comes with Standard and Business only, and receipts can be filed through the AI assistant from Starter. Self-employment income was not found on the pages checked, and HMRC's list shows UK property income only, so we do not show self-employment support. Mileage tracking, mobile apps and furnished holiday let handling were not found on the pages we read, so we do not show them.

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

Check which fits your situation

Hear about price changes once a month

We’ll email you a link to confirm first. Once you confirm, Acrenvo will send one email a month summarising the MTD software price changes we have checked and any changes to HMRC’s list of software for MTD for Income Tax, with links to the pages on Acrenvo where each change is recorded. Each email may also pick out one dated finding from that month’s record and list the coming MTD for Income Tax deadlines. If nothing changed in a month, we send nothing. In future it may also carry one advert and news of paid guides or templates from Acrenvo, each clearly labelled for what it is. Every email has a stop link, and stopping takes a single click.

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