The best MTD software for sole traders, in our selector’s order
“Best” on this page means one thing: the order our selector gives when you tell it you have self-employment income and nothing else yet. Of the 46 products we compare, it keeps 37 for sole traders, and it lists them by how well each one fits that kind of income first, then by price, then by name. No provider pays for a place, and payment plays no part in the order, which comes from the selector’s rules alone.
Your own answers can change that order quite a lot, because the selector asks up to ten questions about how you let and how you earn. If you have a few minutes, answering them in the selector gives a shortlist for your own setup rather than for sole traders in general. Each price here is the cheapest plan the selector would show sole traders, with the day we checked it on the provider’s own site.
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 price matters most to you, the same products are listed from the lowest checked price on cheapest MTD software for sole traders.
The 37 products, in the selector’s order
- 1
Cheapest plan for sole traders: Free (Sole Trader Free / Property Free)
We checked the prices for Clear Books on 25 October 2026.
- 2
Cheapest plan for sole traders: Free
We checked the prices for flonancial on 25 October 2026.
- 3
Cheapest plan for sole traders: Free (qualifying bank account)
Free with a NatWest, Royal Bank of Scotland, Ulster Bank or Mettle business account
We checked the prices for FreeAgent on 25 October 2026.
- 4
- 5
Monzo Business (MTD for Income Tax)
Cheapest plan for sole traders: Free (Lite)
Free with a Monzo business account
We checked the prices for Monzo Business (MTD for Income Tax) on 25 October 2026.
- 6
- 7
Cheapest plan for sole traders: Free
We checked the prices for Quarterwise on 25 October 2026.
- 8
Cheapest plan for sole traders: Free (until March 2028)
Free until March 2028
We checked the prices for RentalBux on 25 October 2026.
- 9
Cheapest plan for sole traders: Free (Sole Trader Free)
We checked the prices for Sage (Sole Trader) on 12 September 2026.
- 10
- 11
Cheapest plan for sole traders: Free
We checked the prices for Zoho Books (UK) on 25 October 2026.
- 12
Cheapest plan for sole traders: £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))
We checked the prices for FileThat on 25 October 2026.
- 13
Cheapest plan for sole traders: £24 plus VAT a year, about £2 a month (Solo (1 individual, quarterly updates only))
We checked the prices for TaxCalc MTD Quarterly Filer on 25 October 2026.
- 14
Cheapest plan for sole traders: £30 plus VAT a year, about £2.50 a month (Individual (1 NI number))
We checked the prices for VitalTax on 25 October 2026.
- 15
Cheapest plan for sole traders: £39 a year including VAT, about £3.25 a month (Full MTD Coverage)
We checked the prices for Abridge on 2 November 2026.
- 16
Cheapest plan for sole traders: £39 a year including VAT, about £3.25 a month (Solo)
We checked the prices for Quartax on 2 November 2026.
- 17
Cheapest plan for sole traders: £49 a year including VAT, about £4.08 a month (Sole trader (one business))
We checked the prices for EasyTaxer.com on 25 October 2026.
- 18
Cheapest plan for sole traders: £49.99 a year, about £4.17 a month, VAT not stated (MTD Bridging (quarterly updates only))
We checked the prices for Coconut on 25 October 2026.
- 19
Cheapest plan for sole traders: £3.99 plus VAT a month (Bosh (quarterly updates only))
We checked the prices for Bosh on 2 November 2026.
- 20
Cheapest plan for sole traders: £5 plus VAT a month (Individual)
We checked the prices for AbraTax on 2 November 2026.
- 21
Cheapest plan for sole traders: £60 plus VAT a year, about £5 a month (Power User (includes MTD for Income Tax))
We checked the prices for QuickFile on 25 October 2026.
- 22
Cheapest plan for sole traders: £6 a month, VAT not stated (Bridging (without year-end return))
We checked the prices for Taxd on 25 October 2026.
- 23
Cheapest plan for sole traders: £60 plus VAT a year, about £5 a month (Annual Plan)
We checked the prices for TaxNav on 25 October 2026.
- 24
Cheapest plan for sole traders: £7 plus VAT a month (Simple)
We checked the prices for Xero on 25 October 2026.
- 25
Cheapest plan for sole traders: £9.99 a month, VAT not stated (LedgerlyPro Premium)
We checked the prices for LedgerlyPro on 2 November 2026.
- 26
Cheapest plan for sole traders: £10 a month, no VAT charged (Solo)
We checked the prices for Debbie on 25 October 2026.
- 27
Cheapest plan for sole traders: £129.99 a year including VAT, about £10.83 a month (Pro including MTD)
We checked the prices for untied on 25 October 2026.
- 28
Cheapest plan for sole traders: £144 a year including VAT, about £12 a month (ApariSolo (MTD quarterly updates only))
We checked the prices for ApariSolo on 2 November 2026.
- 29
Cheapest plan for sole traders: £10 plus VAT a month (Crunch Plus)
We checked the prices for Crunch on 25 October 2026.
- 30
QuickBooks (Sole Trader Plus / Simple Start)
Cheapest plan for sole traders: £10 plus VAT a month (Sole Trader Plus)
We checked the prices for QuickBooks (Sole Trader Plus / Simple Start) on 3 November 2026.
- 31
Cheapest plan for sole traders: £15 plus VAT a month (Bookkeeping (Self Assessment module extra))
We checked the prices for Nomi on 25 October 2026.
- 32
Cheapest plan for sole traders: £19 a month, VAT not stated (Solo)
We checked the prices for Kletta on 25 October 2026.
- 33
Cheapest plan for sole traders: £270 a year, about £22.50 a month, VAT not stated (Self-Managed (one income source))
We checked the prices for TaxDash on 25 October 2026.
- 34
Cheapest plan for sole traders: £19 plus VAT a month (Low)
We checked the prices for Briefcase on 25 October 2026.
- 35
Cheapest plan for sole traders: £21.97 plus VAT a month (Starter)
We checked the prices for Landlord Vision on 1 November 2026.
- 36
Cheapest plan for sole traders: £29 a month, VAT not stated (Auto Accountant (self-employment Self Assessment and MTD))
The cheapest plan it lists for anyone is free (MTD for Landlords (2026-27 tax year)).
We checked the prices for ANNA Money (MTD ITSA) on 2 November 2026.
- 37
Cheapest plan for sole traders: £28 plus VAT a month (Business (quarterly updates only))
We checked the prices for Powered Now on 25 October 2026.
The order on this page comes only from the selector’s rules. How we compare products and how this site is funded explain the rest.