TradeKit vs untied for Making Tax Digital
By the selector's own rules, TradeKit 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 support for more than one property, support for jointly owned property and bank feeds, which TradeKit does not. untied does not offer a free plan, which TradeKit does. Their cheapest plans are listed as free for TradeKit and £129.99 a year including VAT, about £10.83 a month (Pro including MTD) for untied.
TradeKit suits sole-trader tradespeople who want quotes, invoices and MTD filing in one phone app, subcontractors in the Construction Industry Scheme who want their deductions and monthly returns in the same place and trades who would like to start on a free plan that still sends quarterly updates and the Final Declaration. 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 | TradeKit | untied |
|---|---|---|
| Cheapest plan | Free | £129.99 a year including VAT, about £10.83 a month (Pro including MTD) |
| Free plan | Yes | No |
| More than one property | No | Yes |
| Jointly owned property | No | Yes |
| Bank feeds | No | Yes |
On the other points we compare (holiday lets and former FHL, 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.
Both have phone apps, on different platforms: TradeKit on Android, and untied on iOS and Android.
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 | TradeKit | untied |
|---|---|---|
| Your tax return and other income | ||
| Sending your tax return | Available | Available |
| Foreign property | Available | Available |
| Construction Industry Scheme (CIS) | Intended | Available |
| Employment (PAYE) | Not stated | Available |
| UK dividends | Not stated | Available |
| UK interest | Not stated | Available |
| Capital gains | Not stated | Available |
| How it works | ||
| Bridging software that connects to your records | Not stated | Available |
| Calendar update periods (1 April to 31 March) | Available | Available |
| A free version | Not stated | 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 TradeKit 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 TradeKit and marks it “Available” for untied.
Does HMRC’s software list show a free version of TradeKit or untied?
For a free version, HMRC’s software list as it stood on 30 October 2026 says nothing either way for TradeKit and says nothing either way for untied.
How many features does HMRC’s software list mark as available for TradeKit and untied?
HMRC’s software list as it stood on 30 October 2026 covers 15 features, and it marks 7 “Available” for TradeKit and 9 “Available” for untied. For TradeKit, it marks 1 “Intended” and gives no answer on 7. 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.
TradeKit
- For landlords
- Free
- For sole traders
- Free
- For people with rental and self-employment income
- Free
- Cheapest plan over 12 months
- Free
We checked TradeKit’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
TradeKit
TradeKit is built for sole-trader tradespeople, and it runs the job side of the work, with quotes, invoices, card payments and CIS, as well as the tax. It costs £10.99 a month or £99.99 a year after a 30-day free trial with no card, and its comparison table says the prices it lists are list prices excluding VAT. When the trial ends without a subscription, your account moves to a free plan that keeps your records, mileage, receipt photos, unlimited quotes, 3 invoices a month and your MTD quarterly updates and Final Declaration, so we show it as a free MTD option. The Final Declaration covers self-employment, UK property and foreign property, but TradeKit says dividends, employment income, pensions, savings interest, capital gains and partnership income are not included. Bank transactions come in from a CSV or PDF statement rather than a live feed, so we do not mark it as having bank feeds. Your accountant gets a free read-only login. TradeKit is a web app that works in your browser and on Android through Google Play, and its user guide says a native iPhone app is in development. We did not find anything about several properties, jointly owned property or furnished holiday lets. 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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