Pandle vs TaxNav for Making Tax Digital
By the selector's own rules, Pandle and TaxNav both work for landlords and sole traders, including people with both kinds of income, so the choice comes down to the seven points where they differ. TaxNav offers support for jointly owned property and handling for holiday lets, which Pandle does not. TaxNav 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 £60 plus VAT a year, about £5 a month (Annual Plan) for TaxNav.
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. TaxNav suits landlords and sole traders who want to keep using Excel, Google Sheets or Apple Numbers, people with a trade, rental property and property abroad who want one licence with no charge per property and clients whose accountant already follows their MTD progress through TaxNav.
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 | TaxNav |
|---|---|---|
| Cheapest plan | Free | £60 plus VAT a year, about £5 a month (Annual Plan) |
| Free plan | Yes | No |
| Jointly owned property | No | Yes |
| Holiday lets and former FHL | 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, 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 | TaxNav |
|---|---|---|
| Your tax return and other income | ||
| Sending your tax return | Available | Available |
| Foreign property | Not stated | Available |
| Construction Industry Scheme (CIS) | Intended | Intended |
| Employment (PAYE) | Availablesince 9 October 2026 | Intended |
| UK dividends | Availablesince 9 October 2026 | Intended |
| UK interest | Availablesince 9 October 2026 | Intended |
| 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 TaxNav 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 TaxNav.
Does HMRC’s software list show a free version of Pandle or TaxNav?
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 TaxNav.
How many features does HMRC’s software list mark as available for Pandle and TaxNav?
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 TaxNav. For Pandle, it marks 1 “Intended” and gives no answer on 2. For TaxNav, it marks 5 “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.
TaxNav
- For landlords
- £60 plus VAT a year, about £5 a month
- For sole traders
- £60 plus VAT a year, about £5 a month
- For people with rental and self-employment income
- £60 plus VAT a year, about £5 a month
- Cheapest plan over 12 months
- £60 plus VAT
We checked TaxNav’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.
TaxNav
TaxNav has two plans with the same features, £6 plus VAT a month or £60 plus VAT a year, and one licence covers self-employment, UK property and foreign property with no charge per property. Its pricing page shows the prices plus VAT, but its subscription terms say prices include VAT where it applies, so it is worth checking the total at checkout. You can sign up and try TaxNav, then take a 30-day free trial before paying, which we treat as a trial rather than a free plan. You either type in your income and expenses or keep your own spreadsheet and import it each quarter, and at year end you add items such as bank interest before sending the final declaration. TaxNav says its software handles single properties, portfolios, furnished holiday lets, overseas rentals and jointly owned property, and its FAQ explains how joint owners can report their share. Accountants can follow their clients through TaxNavHQ. TaxNav says bank feeds and receipt capture are planned but not available yet, and we did not find mileage tracking. It runs in a web browser, including on a phone or tablet. 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
Other side-by-side comparisons
- 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 Pandle
- 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 untied
- Pandle vs VitalTax
- Pandle vs Xero
- QuickBooks (Sole Trader Plus / Simple Start) vs TaxNav
- QuickFile vs untied