Pandle vs untied for Making Tax Digital

We checked these prices on 25 October 2026.

By the selector's own rules, Pandle and untied both work for landlords and sole traders, including people with both kinds of income, so the choice comes down to the four points where they differ. untied offers support for jointly owned property, which Pandle does not. untied does not offer a free plan or MTD for VAT returns, which Pandle does. Their cheapest plans are listed as free for Pandle and £129.99 a year including VAT, about £10.83 a month (Pro including MTD) for untied.

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. untied suits people with mixed income (property + self-employment or PAYE), sole traders who want a phone-only workflow and non-resident and joint-owner landlords with complex returns.

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 untied differ
Point	Pandle	untied
Cheapest plan	Free	£129.99 a year including VAT, about £10.83 a month (Pro including MTD)
Free plan	Yes	No
Jointly owned property	No	Yes
MTD for VAT returns	Yes, from the Pandle plan	No

On the other points we compare (more than one property, holiday lets and former FHL, self-employment income, bank feeds, receipt capture, phone apps and accountant access), they give the same answer, or at least one provider does not say. The full list is under each product’s own page.

If you are registered for VAT, the guide to one product for MTD for VAT and Income Tax explains what GOV.UK asks you to check and which of the products we compare say they handle both.

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 untied
Feature	Pandle	untied
Your tax return and other income
Sending your tax return	Available	Available
Foreign property	Not stated	Available
Construction Industry Scheme (CIS)	Intended	Available
Employment (PAYE)	Availablesince 9 October 2026	Available
UK dividends	Availablesince 9 October 2026	Available
UK interest	Availablesince 9 October 2026	Available
Capital gains	Availablesince 9 October 2026	Available
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 untied 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 untied.

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

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 untied.

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

HMRC’s software list as it stood on 30 October 2026 covers 15 features, and it marks 12 “Available” for Pandle and 9 “Available” for untied. For Pandle, it marks 1 “Intended” and gives no answer on 2. For untied, it marks 0 “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.

untied

For landlords: £129.99 a year including VAT, about £10.83 a month
For sole traders: £129.99 a year including VAT, about £10.83 a month
For people with rental and self-employment income: £129.99 a year including VAT, about £10.83 a month
Cheapest plan over 12 months: £129.99 including VAT

We checked untied’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.

untied

untied is often listed as free in roundups, but the free version is a 30-day trial and filing requires a paid plan. Plans are priced per tax year with VAT included, which is unusual for this market, so compare like-for-like against ex-VAT monthly prices carefully. untied also sells a cheaper Lite plan, but its pricing page shows Making Tax Digital and property income as not included on Lite, so we do not list it.

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

Other side-by-side comparisons

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