Recognised by HMRC for Making Tax Digital
Crunch
Online accounting software for sole traders with invoicing, expenses and a bank connection, where MTD for Income Tax filing starts on the £10 Plus plan. Crunch also sells accountancy packages with a Self Assessment filed for you.
Web, iOS, Android
In HMRC’s software finder since 13 March 2026. About this date
HMRC’s software list says Crunch covers sole trader income and can send your tax return. What HMRC’s list says
Who Crunch suits
Sole traders who want simple invoicing and expense software with MTD filing at a low monthly price, sole traders who would like an accountant to handle their Self Assessment alongside the software, and people who are also VAT-registered and want MTD VAT returns on the same plan.
Plans and prices
| Plan | Price | Notes |
|---|---|---|
| Crunch Plus | £10/mo |
|
| Sole Trader Accountants | £27/mo |
|
Good to know
Crunch's software pricing page lists three plans. Crunch Free and Crunch Lite at £4 a month have MTD for Income Tax crossed out, so the cheapest way to file MTD with Crunch is Crunch Plus at £10 a month excluding VAT, which the page says covers all your quarterly updates, the end of year figures and the final declaration. The accountancy package for sole traders starts from £27 a month excluding VAT and depends on an instant quote; Crunch currently takes 20% off the first 3 months, which we have left out of the price. The address HMRC gives for Crunch's pricing now opens that quote form rather than a price list. Crunch's sole trader page says its MTD filing handles more than one income source, including rental income, but when we looked at HMRC's software list it did not show UK property income as available for Crunch, so we treat both plans as being for self-employment income only. Some of Crunch's software page still speaks of being ready by April 2026, while its MTD page describes the software as HMRC recognised. We did not find anything about furnished holiday lets, several properties or jointly owned property. We checked this on 25 October 2026.
What it can do
‘No’ means Crunch’s own pages did not show it when we checked on 25 October 2026. The product may still do it, so ask Crunch if it matters to you.
‘Not stated’ means Crunch’s own pages said nothing about it either way when we checked.
What Crunch works with
- Bank feeds
- Connects business bank accounts through Open Banking, and the page names Barclays, HSBC, Lloyds, NatWest, Santander, Starling, Monzo, Tide and others, with CSV upload as a fallback. Crunch’s page about bank feeds
- Receipts
- Take a photo of a receipt in the mobile app and Crunch records the expense from it. Crunch’s page about receipts
- Your accountant
- Your accountant or bookkeeper can be invited into your account, and data can be brought across from Xero, QuickBooks and FreeAgent. Crunch’s page about working with an accountant
- Payroll
- Payroll is built into the account for director salaries, tax, pensions and student loans, though the page says it is designed for limited companies rather than sole traders. Crunch’s page about payroll Our guides to payroll for small employers explain what HMRC asks of you once you take someone on.
- Spreadsheets
- Bank statements can be uploaded as CSV files, up to 50 invoices imported from a CSV, and invoices and expenses exported in bulk. Crunch’s page about spreadsheets
We read this on Crunch’s own pages on 25 October 2026.
What HMRC’s software list says about Crunch
HMRC’s software list says Crunch can send your tax return. HMRC’s list marks each feature as available now or intended for later. ‘Not stated’ means HMRC’s list says nothing about that feature for Crunch either way. This is what HMRC’s list says, not something we have tested ourselves, and the same answers for every product on HMRC’s list are set out together.
Who HMRC lists it for
- Individuals
- Available
- Agents, such as accountants
- Not stated
- Sole trader income
- Available
- UK property income
- Not stated
- Sending quarterly updates
- Available
Your tax return and other income
- Sending your tax return
- Available
- Foreign property
- Not stated
- Construction Industry Scheme (CIS)
- Intended
- Employment (PAYE)
- Intended
- UK dividends
- Intended
- UK interest
- Intended
- Capital gains
- Intended
How it works
- Bridging software that connects to your records
- Not stated
- Calendar update periods (1 April to 31 March)
- Not stated
- A free version
- Not stated
- Welsh language
- Not stated
Accessibility
- Blindness or impaired vision
- Not stated
- Deafness or impaired hearing
- Not stated
- Motor or physical difficulties
- Not stated
- Cognitive impairments
- Not stated
This is HMRC’s list as it stood on 30 October 2026. 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
What HMRC’s Self Assessment software list says about Crunch
If you are sending a Self Assessment return for the 2025 to 2026 tax year, HMRC keeps a separate list of commercial software for that yearly return, apart from its MTD software list.
HMRC’s Self Assessment software list shows Crunch with the product “Crunch” for the individual return (SA100). For this supplier, HMRC answers “No” under “For agents” and “Yes” under “For individuals”. For the individual return, HMRC’s answer under “Schedules supported” is “SA100, SA102, SA110”, and that answer does not name the UK property pages (SA105).
GOV.UK last updated HMRC’s list on 23 October 2026, and we read it on 31 October 2026. HMRC does not endorse Acrenvo or any product in its list. HMRC’s list of software for your Self Assessment return
Questions about Crunch on HMRC’s lists
Is Crunch on HMRC’s software list for Making Tax Digital?
HMRC’s software list for Making Tax Digital for Income Tax, as it stood on 30 October 2026, includes Crunch. It has been in HMRC’s software finder since 13 March 2026.
Does HMRC’s software list show Crunch as able to send your tax return?
HMRC’s software list as it stood on 30 October 2026 marks sending your tax return as “Available” for Crunch.
Does HMRC’s Self Assessment software list show Crunch for the UK property pages?
For Crunch, HMRC’s answer on its Self Assessment software list, which we read on 31 October 2026, does not name the UK property pages (SA105). The list shows Crunch with the product “Crunch” for the individual return (SA100), and HMRC’s answer under “Schedules supported” is “SA100, SA102, SA110”.
We checked these prices on Crunch’s website on 25 October 2026. How we compare products
If a price or plan here has changed, please tell us at hello@acrenvo.com and we will check it on Crunch’s own site.
Once you have chosen, the guide After choosing software: getting it ready for MTD, as GOV.UK explains covers the steps that come next.