Recognised by HMRC for Making Tax Digital
flonancial
Free MTD bridging software for sole traders and UK landlords with simple records: you pick the turnover and expenses totals in your own spreadsheet, check them, and flonancial sends your quarterly update and year-end tax return to HMRC.
Web
In HMRC’s software finder since 8 May 2026. About this date
HMRC’s software list says flonancial covers sole trader and UK property income and can send your tax return. What HMRC’s list says
Who flonancial suits
Sole traders with turnover under £90,000 who keep their records in a spreadsheet and want to file for free, landlords with no mortgage or other finance costs on their rental, who keep simple totals in a spreadsheet, and people who would rather their spreadsheet stayed on their own computer.
Plans and prices
| Plan | Price | Notes |
|---|---|---|
| Free | Free |
|
Good to know
flonancial is free bridging software: you keep your records in your own spreadsheet, pick the cells with your turnover and expenses, and it sends those totals to HMRC. Its home page and terms say the quarterly updates and the year-end tax return are free, and that any paid features added later would be optional. The year-end return covers the supported sole-trader and UK property cases, with some extra income, losses and adjustments. There are limits worth knowing about. Each business or property source needs income below £90,000, because flonancial sends one income total and one expenses total. For a let property, it asks for your mortgage interest and other residential finance costs from a separate cell and sends them to HMRC on their own, but it cannot yet carry forward unused finance costs from an earlier year. flonancial also points people with lease premiums, tax deducted from rent, rent-a-room income or foreign property elsewhere. Its demonstration includes a landlord filing her 50% share of four jointly owned rentals from one spreadsheet, where she enters her own share. We did not find bank feeds, receipt capture, mileage, accountant access, a way to split jointly owned property or furnished holiday lets, and it runs in a web browser. We checked this on 25 October 2026.
What it can do
‘No’ means flonancial’s own pages did not show it when we checked on 25 October 2026. The product may still do it, so ask flonancial if it matters to you.
‘Not stated’ means flonancial’s own pages said nothing about it either way when we checked.
What flonancial works with
- Payroll
- Not stated
- Spreadsheets
- You upload your own spreadsheet as an .xlsx, .xls, .csv or .ods file, or start from its free template, and pick the cells that hold your turnover and expenses. flonancial’s page about spreadsheets
We read this on flonancial’s own pages on 25 October 2026. ‘Not stated’ means flonancial’s own pages said nothing about it either way.
What HMRC’s software list says about flonancial
HMRC’s software list says flonancial can send your tax return. HMRC’s list changed this from intended to available on 31 July 2026. 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 flonancial 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
- Available
- Sending quarterly updates
- Available
Your tax return and other income
- Sending your tax return
- Availablesince 31 July 2026
- Foreign property
- Not stated
- Construction Industry Scheme (CIS)
- Intended
- Employment (PAYE)
- Intended
- UK dividends
- Intended
- UK interest
- Intended
- Capital gains
- Not stated
How it works
- Bridging software that connects to your records
- Available
- Calendar update periods (1 April to 31 March)
- Not stated
- A free version
- Available
- Welsh language
- Not stated
Accessibility
- Blindness or impaired vision
- Available
- Deafness or impaired hearing
- Available
- Motor or physical difficulties
- Available
- Cognitive impairments
- Available
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 flonancial
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, as we read it on 31 October 2026, names no product from Flonancial Ltd, the company that provides this software.
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 flonancial on HMRC’s lists
Is flonancial 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 flonancial. It has been in HMRC’s software finder since 8 May 2026.
Does HMRC’s software list show flonancial 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 flonancial, and HMRC’s list changed it from intended to available on 31 July 2026.
We checked these prices on flonancial’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 flonancial’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.