Your first MTD tax return: which software can send it
If you signed up for Making Tax Digital for Income Tax in 2026, you have probably been thinking about quarterly updates. The tax return at the end of the year is a separate step, and not every product can send it yet. If 2026 to 2027 is your first year under MTD, that return is the first one your MTD software has to send, and GOV.UK says it is due by 31 January 2028.
This page sets out what HMRC’s own software list says about each product we compare: whether it can send the tax return now or only intends to, and whether it can take the savings interest, dividends and other income you may need to add. Products are in alphabetical order, with each one’s cheapest plan.
What GOV.UK says happens after the tax year ends
Your quarterly updates do not replace the tax return. GOV.UK puts it this way: “Once you have made all the adjustments to your self-employment and property income and expenses, you will need to use your software to:”
- complete your tax return
- submit your tax return
On timing, GOV.UK says “You must submit your tax return by 31 January following the end of the relevant tax year, but you can submit it earlier.” It gives an example in its own words: “For example, you can submit your 2025 to 2026 tax return at any time from 6 April 2026 to 31 January 2027.” On the same rule, a return for 2026 to 2027 is due by 31 January 2028.
Before you send it, you may need to add income HMRC does not hold. In GOV.UK’s words, “If HMRC does not have all the information about your other income sources, you will need to add them yourself.” The list it gives is:
- savings interest
- your share of profit from a partnership as an individual partner
- dividends (including those from your own company)
- payrolled benefits in kind that are not subject to Class 1A National Insurance contributions
- any other income or gains that have not been automatically added
“You must add this information before you submit your tax return.” That is why the tables below show savings interest and dividends next to the tax return: if you have either, your software needs to be able to take it. You can read the rest on GOV.UK’s page on submitting your tax return, and our guide to the end of the MTD year walks through each step.
What HMRC’s list says about sending the tax return
HMRC’s software list marks each feature as “Available” now or “Intended” for later. The answers here are HMRC’s words as the list stood on 30 October 2026, the date of the version we read, and not something we have tested ourselves. The same words for every product on HMRC’s list, not only the ones we compare, are set out together.
HMRC’s own software finder shows anything marked “Intended” as “In development”, and explains it like this: “The software provider has committed to building this in time for the 2026 to 2027 tax return.” The list gives no date for an individual product, though, and a commitment is not the same as the feature being ready. If a product you like is marked “Intended”, it is worth checking with the provider before you rely on it for your return.
“Not stated” in a table means HMRC’s list says nothing about that feature for the product either way.
The cheapest plan is the lowest price the provider lists, with the plan’s name in brackets. Some providers name their cheapest plan as covering quarterly updates only, so the plan that sends your tax return may cost more. Each product’s own page lists all its plans.
Products HMRC’s list says can send your tax return
HMRC’s list says 36 of the products we compare can send your tax return now.
| Product | Savings interest | Dividends | CIS | Cheapest plan |
|---|---|---|---|---|
| AbraTax | Available | Available | Available | £5 plus VAT a month (Individual)Checked 2 November 2026 |
| Abridge | Available | Available | Available | £39 a year including VAT, about £3.25 a month (Full MTD Coverage)Checked 2 November 2026 |
| ANNA Money (MTD ITSA) | Available | Available | Available | Free for the 2026 to 2027 tax yearChecked 2 November 2026 |
| Briefcase | Intended | Intended | Intended | £19 plus VAT a month (Low)Checked 25 October 2026 |
| Clear Books | Available | Available | Available | Free planChecked 25 October 2026 |
| Coconut | Intended | Intended | Intended | £49.99 a year, about £4.17 a month, VAT not stated (MTD Bridging (quarterly updates only))Checked 25 October 2026 |
| Crunch | Intended | Intended | Intended | £10 plus VAT a month (Crunch Plus)Checked 25 October 2026 |
| Debbie | Intended | Intended | Available | £10 a month, no VAT charged (Solo)Checked 25 October 2026 |
| EasyTaxer.com | Available | Available | Available | £49 a year including VAT, about £4.08 a month (Sole trader (one business))Checked 25 October 2026 |
| FileThat | Available | Available | Available | £4.99 for each quarterly update, about £1.66 a month for four updates a year, VAT not stated (Pay per submission (qualifying income £30,000 to £50,000))Checked 25 October 2026 |
| flonancial | Intended | Intended | Intended | Free planChecked 25 October 2026 |
| FreeAgent | Available | Available | Available | Free with a NatWest, Royal Bank of Scotland, Ulster Bank or Mettle business accountChecked 25 October 2026 |
| Hammock | Intended | Intended | Intended | £8 plus VAT a month (Basic (1-3 properties))Checked 25 October 2026 |
| Keepr | Intended | Intended | Not stated | Free planChecked 25 October 2026 |
| Kletta | Available | Available | Available | £19 a month, VAT not stated (Solo)Checked 25 October 2026 |
| Landlord Vision | Intended | Intended | Not stated | £21.97 plus VAT a month (Starter)Checked 1 November 2026 |
| LetCompliance | Intended | Intended | Not stated | £7.99 a month, no VAT charged (Single)Checked 25 October 2026 |
| Monzo Business (MTD for Income Tax) | Intended | Intended | Intended | Free with a Monzo business accountChecked 25 October 2026 |
| Nomi | Not stated | Not stated | Not stated | £15 plus VAT a month (Bookkeeping (Self Assessment module extra))Checked 25 October 2026 |
| Pandle | Available | Available | Intended | Free planChecked 25 October 2026 |
| Provestor for Landlords | Available | Available | Available | £99 a year including VAT, about £8.25 a month (DIY)Checked 25 October 2026 |
| Quartax | Not stated | Not stated | Not stated | £39 a year including VAT, about £3.25 a month (Solo)Checked 2 November 2026 |
| Quarterwise | Available | Available | Available | Free planChecked 25 October 2026 |
| QuickBooks (Sole Trader Plus / Simple Start) | Available | Available | Available | £10 plus VAT a month (Sole Trader Plus)Checked 3 November 2026 |
| QuickFile | Available | Available | Available | £60 plus VAT a year, about £5 a month (Power User (includes MTD for Income Tax))Checked 25 October 2026 |
| RentalBux | Available | Available | Available | Free until March 2028Checked 25 October 2026 |
| Sage (Sole Trader) | Intended | Intended | Intended | Free planChecked 12 September 2026 |
| TaxCalc MTD Quarterly Filer | Available | Available | Available | £24 plus VAT a year, about £2 a month (Solo (1 individual, quarterly updates only))Checked 25 October 2026 |
| Taxd | Intended | Intended | Intended | £6 a month, VAT not stated (Bridging (without year-end return))Checked 25 October 2026 |
| TaxDash | Intended | Intended | Intended | £270 a year, about £22.50 a month, VAT not stated (Self-Managed (one income source))Checked 25 October 2026 |
| TaxNav | Intended | Intended | Intended | £60 plus VAT a year, about £5 a month (Annual Plan)Checked 25 October 2026 |
| TradeKit | Not stated | Not stated | Intended | Free planChecked 25 October 2026 |
| untied | Available | Available | Available | £129.99 a year including VAT, about £10.83 a month (Pro including MTD)Checked 25 October 2026 |
| VitalTax | Available | Available | Available | £30 plus VAT a year, about £2.50 a month (Individual (1 NI number))Checked 25 October 2026 |
| Xero | Available | Available | Available | £7 plus VAT a month (Simple)Checked 25 October 2026 |
| Zoho Books (UK) | Available | Available | Intended | Free planChecked 25 October 2026 |
Products HMRC’s list says intend to send it
For nine more, HMRC’s list marks the tax return as “Intended”. That means the provider has told HMRC it is committed to building it, but the list does not say it can send a return yet.
| Product | Savings interest | Dividends | CIS | Cheapest plan |
|---|---|---|---|---|
| ApariSolo | Intended | Intended | Available | £144 a year including VAT, about £12 a month (ApariSolo (MTD quarterly updates only))Checked 2 November 2026 |
| August | Not stated | Not stated | Not stated | £8.99 a month, VAT not stated (Growth (quarterly updates only))Checked 2 November 2026 |
| Bosh | Intended | Intended | Intended | £3.99 plus VAT a month (Bosh (quarterly updates only))Checked 2 November 2026 |
| Landlord Studio | Intended | Intended | Intended | Free plan, but each MTD submission costs £5Checked 25 October 2026 |
| LedgerlyPro | Intended | Intended | Intended | £9.99 a month, VAT not stated (LedgerlyPro Premium)Checked 2 November 2026 |
| Lendlord | Intended | Intended | Intended | £12 a month, VAT not stated (Premium)Checked 2 November 2026 |
| PaTMa Property Manager | Intended | Intended | Not stated | Free planChecked 2 November 2026 |
| Powered Now | Intended | Intended | Intended | £28 plus VAT a month (Business (quarterly updates only))Checked 25 October 2026 |
| RentFig | Not stated | Not stated | Not stated | £9 a month, no VAT charged (Starter (quarterly updates only))Checked 2 November 2026 |
Products HMRC’s list says nothing about
For one, HMRC’s list does not say whether it can send your tax return.
| Product | Savings interest | Dividends | CIS | Cheapest plan |
|---|---|---|---|---|
| LandlordFile | Not stated | Not stated | Not stated | £29 a year including VAT, about £2.42 a month (Annual (quarterly updates only))Checked 25 October 2026 |
Other things HMRC’s list records
HMRC’s list also records other income, the Construction Industry Scheme, accessibility and the Welsh language. These counts are for the products we compare that HMRC’s list marks as “Available” for at least one part of each.
Savings interest, dividends and other income
HMRC’s list marks 20 of the products we compare as "Available" for at least one of savings interest, dividends, employment (PAYE) or capital gains. Savings interest, dividends and other income, product by product
Construction Industry Scheme (CIS)
HMRC’s list marks 19 of the products we compare as "Available" for this. Construction Industry Scheme (CIS), product by product
Accessibility
HMRC’s list marks 14 of the products we compare as "Available" for at least one of blindness or impaired vision, deafness or impaired hearing, motor or physical difficulties or cognitive impairments. Accessibility, product by product
Welsh language
HMRC’s list does not mark any of the products we compare as "Available" for this.
Questions about your first MTD tax return
How many of the products Acrenvo compares can send my first MTD tax return?
As HMRC’s list stood on 30 October 2026, it says 36 of the products we compare can send your tax return now, and it marks the tax return as “Intended” for nine more. That means the provider has told HMRC it is committed to building it, but the list does not say it can send a return yet. If a product you like is marked “Intended”, it is worth checking with the provider before you rely on it for your return. “Not stated” in a table means HMRC’s list says nothing about that feature for the product either way.
When is my first MTD tax return due?
A tax return for 2026 to 2027 is due by 31 January 2028, and your quarterly updates do not replace it. On timing, GOV.UK says “You must submit your tax return by 31 January following the end of the relevant tax year, but you can submit it earlier.”
Does HMRC add CIS deductions to my tax return for me?
HMRC adds them when it holds the information, because GOV.UK says that “If HMRC has information about your other income sources, HMRC will add them to your tax return for you.” Among the things it lists is “Construction Industry Scheme (CIS) — subcontractor deductions”. It then says “After HMRC has added this information, you can find it in either your software (when you ask for a calculation) or your HMRC online services account.” It adds: “You must check this information before you submit your tax return.” As HMRC’s list stood on 30 October 2026, it marks 19 of the products we compare as “Available” for the Construction Industry Scheme.
How to cite this page
If you use this record in an article, a report or your own research, we suggest citing it like this, so that a reader can find the same data and see which date it describes.
Acrenvo, “Your first MTD tax return: which software can send it”, https://acrenvo.com/first-mtd-tax-return, data as of 30 October 2026, HMRC’s list under the Apache License 2.0, Acrenvo’s prices under Creative Commons Attribution 4.0 International (CC BY 4.0).
If you keep your references in a reference manager, the same citation in BibTeX is below, ready to select and paste.
@misc{acrenvo-first-mtd-tax-return-2026,
author = {{Acrenvo}},
title = {{Your first MTD tax return: which software can send it}},
year = {2026},
url = {https://acrenvo.com/first-mtd-tax-return},
urldate = {2026-10-30},
note = {Data as of 30 October 2026, HMRC’s list under the Apache License 2.0, Acrenvo’s prices under Creative Commons Attribution 4.0 International (CC BY 4.0)}
}HMRC’s list changes as providers add features, and its software finder shows the current answers. We count how HMRC’s list has changed month by month. GOV.UK’s advice, where a product does not yet do what you need, is to ask: “If you currently use software not listed or have an income source not yet supported, ask your preferred software provider about their plans. More software options will become available over time.”