Quarterwise vs untied for Making Tax Digital
By the selector's own rules, Quarterwise and untied both work for landlords and sole traders, including people with both kinds of income, so the choice comes down to the five points where they differ. untied offers bank feeds and phone apps, which Quarterwise does not. untied does not offer a free plan or handling for holiday lets, which Quarterwise does. Their cheapest plans are listed as free for Quarterwise and £129.99 a year including VAT, about £10.83 a month (Pro including MTD) for untied.
Quarterwise suits landlords with one property, or sole traders with one business, who want to file their quarterly updates and tax return without paying, landlords with several properties, including property abroad, who want simple books for each one and short-term let hosts who want to import their Airbnb, Vrbo or Booking.com earnings files. 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.
| Point | Quarterwise | untied |
|---|---|---|
| Cheapest plan | Free | £129.99 a year including VAT, about £10.83 a month (Pro including MTD) |
| Free plan | Yes | No |
| Holiday lets and former FHL | Yes | No |
| Bank feeds | No | Yes |
| Phone apps | No | Yes (iOS and Android) |
On the other points we compare (more than one property, jointly owned property, self-employment income, 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.
| Feature | Quarterwise | untied |
|---|---|---|
| Your tax return and other income | ||
| Sending your tax return | Availablesince 2 October 2026 | Available |
| Foreign property | Available | Available |
| Construction Industry Scheme (CIS) | Availablesince 2 October 2026 | Available |
| Employment (PAYE) | Availablesince 2 October 2026 | Available |
| UK dividends | Availablesince 2 October 2026 | Available |
| UK interest | Availablesince 2 October 2026 | Available |
| Capital gains | Availablesince 2 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 Quarterwise 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 Quarterwise, since 2 October 2026 and marks it “Available” for untied.
Does HMRC’s software list show a free version of Quarterwise or untied?
For a free version, HMRC’s software list as it stood on 30 October 2026 marks it “Available” for Quarterwise and says nothing either way for untied.
How many features does HMRC’s software list mark as available for Quarterwise and untied?
HMRC’s software list as it stood on 30 October 2026 covers 15 features, and it marks 14 “Available” for Quarterwise and 9 “Available” for untied. For Quarterwise, it marks 0 “Intended” and gives no answer on 1. 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.
Quarterwise
- For landlords
- Free
- For sole traders
- Free
- For people with rental and self-employment income
- £12 a month, VAT not stated
- Cheapest plan over 12 months for landlords and sole traders
- Free
- Cheapest plan over 12 months for people with rental and self-employment income
- £144, VAT not statedThe monthly price times 12; the provider also bills by the year
We checked Quarterwise’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
Quarterwise
Quarterwise's free plan covers one property or one self-employment business with no card and no time limit, and it includes the quarterly updates and the tax return. Its terms, last updated in September 2026, describe the free plan as covering a single property, so a sole trader may want to confirm the free plan before relying on it. Pro costs £12 a month or £99 a year, adds unlimited properties and businesses, overseas property, receipt capture and a live tax estimate, and Quarterwise does not say whether its prices include VAT. You add income and expenses by hand or import a CSV file, so we do not mark it as having bank feeds. Short-term let hosts can import their platform earnings, and Quarterwise treats that income as ordinary UK property income now that the furnished holiday lettings rules have gone. Its about page says jointly owned property can be shared with your co-owner so that each of you files your own share, and that you can invite an adviser to view or keep your books. A June 2026 guide says your accountant cannot log in yet, but the newer terms mention people you have shared your books with, so we go with the newer pages. Its FAQ and about page now both say that other income, such as savings interest, dividends and pensions, can be added to the tax return in Quarterwise. We did not find mileage tracking or mobile apps. We checked this on 25 October 2026.
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
More on these two products
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