Pandle vs TaxCalc MTD Quarterly Filer for Making Tax Digital
By the selector's own rules, Pandle and TaxCalc MTD Quarterly Filer 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. TaxCalc MTD Quarterly Filer does not offer a free plan, bank feeds, receipt capture, phone apps or access for an accountant, which Pandle does. Their cheapest plans are listed as free for Pandle and £24 plus VAT a year, about £2 a month (Solo (1 individual, quarterly updates only)) for TaxCalc MTD Quarterly Filer.
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. TaxCalc MTD Quarterly Filer suits confident spreadsheet users who want a well-known accountancy-software brand for bridging, households where more than one person needs MTD quarterly filing under one purchase and sole traders and landlords who already keep records outside any bookkeeping app.
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 | TaxCalc MTD Quarterly Filer |
|---|---|---|
| Cheapest plan | Free | £24 plus VAT a year, about £2 a month (Solo (1 individual, quarterly updates only)) |
| Free plan | Yes | No |
| Bank feeds | Yes | No |
| Receipt capture | Yes | No |
| Phone apps | Yes (iOS and Android) | No |
| Accountant access | Yes | No |
On the other points we compare (more than one property, jointly owned property, holiday lets and former FHL, self-employment income 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 | TaxCalc MTD Quarterly Filer |
|---|---|---|
| Your tax return and other income | ||
| Sending your tax return | Available | Available |
| Foreign property | Not stated | Available |
| Construction Industry Scheme (CIS) | Intended | Availablesince 16 October 2026 |
| Employment (PAYE) | Availablesince 9 October 2026 | Intended |
| UK dividends | Availablesince 9 October 2026 | Availablesince 16 October 2026 |
| UK interest | Availablesince 9 October 2026 | Availablesince 16 October 2026 |
| Capital gains | Availablesince 9 October 2026 | Intended |
| 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 | 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 TaxCalc MTD Quarterly Filer 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 TaxCalc MTD Quarterly Filer.
Does HMRC’s software list show a free version of Pandle or TaxCalc MTD Quarterly Filer?
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 TaxCalc MTD Quarterly Filer.
How many features does HMRC’s software list mark as available for Pandle and TaxCalc MTD Quarterly Filer?
HMRC’s software list as it stood on 30 October 2026 covers 15 features, and it marks 12 “Available” for Pandle and 7 “Available” for TaxCalc MTD Quarterly Filer. For Pandle, it marks 1 “Intended” and gives no answer on 2. For TaxCalc MTD Quarterly Filer, it marks 2 “Intended” and gives no answer on 6.
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.
TaxCalc MTD Quarterly Filer
- For landlords
- £24 plus VAT a year, about £2 a month
- For sole traders
- £24 plus VAT a year, about £2 a month
- For people with rental and self-employment income
- £24 plus VAT a year, about £2 a month
- Cheapest plan over 12 months
- £24 plus VAT
We checked TaxCalc MTD Quarterly Filer’s prices on 25 October 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.
TaxCalc MTD Quarterly Filer
TaxCalc's main pricing page lists MTD Quarterly Filer at £112 to £688 a year, but that is the version for accountancy practices, priced by number of clients. An individual buys the same bridging tool from TaxCalc's shop, from £24 a year for one person, and that is the price we show. The shop describes each option as preparing and submitting quarterly updates, and sells individual tax returns as a separate product, so these prices do not include the year-end return. It describes Duo and the larger option only by the number of people they cover. We did not find bank feeds, mileage tracking, receipt capture, joint ownership or a mobile app on any TaxCalc page we read. We also could not confirm accountant access for the individual product, even though TaxCalc's practice software is built around accountants. We checked this on 25 October 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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