MTD Software Guide 2026


Simple, low-cost tools for UK sole traders and side hustlers

Discover the cheapest and easiest ways to stay compliant with Making Tax Digital for Income Tax — without paying £30–£40 a month for accounting software.

From April 2026, most UK sole traders and landlords will need to keep digital records and submit quarterly updates through MTD-compatible software.
But you don’t need expensive accounting tools to do it properly.

This free guide breaks down every affordable option — including free software, mobile apps, banking tools and spreadsheet-friendly solutions — so you can choose the setup that suits you best.

What’s Inside the Guide

This downloadable PDF gives you:

  • A full comparison of MTD-compatible software options

  • Free and low-cost tools explained in plain English

  • Direct links to every provider

  • Recommendations based on business type

  • The cheapest compliant routes for 2026

  • A simple decision guide to help you choose correctly

Who This Guide Is For

This resource is ideal for:

  • Sole traders and side hustlers

  • Freelancers and service-based businesses

  • Creatives and online sellers

  • Anyone using spreadsheets for bookkeeping

  • Small business owners who want to keep costs down

If you want clarity, simplicity and peace of mind ahead of MTD, this guide is for you.

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Created by Hustle Mate, run by a Chartered Accountant, this guide is designed to help real self-employed people stay compliant without unnecessary cost.

No jargon. No upselling. Just clear, practical guidance.