123 Sheets vs flonancial
Both are bridging tools for Making Tax Digital for Income Tax.
flonancial is the cheaper starting point at £0 (VAT included) versus from £23.70/yr for 123 Sheets — but the cheapest plan only wins if it covers the income types you actually have.
| 123 Sheets | flonancial | |
|---|---|---|
| True annual cost from | from £23.70/yr | £0 |
| Self-employment | Yes | Yes |
| Property / rent | Yes | Yes |
| Keeps your spreadsheet | Yes | Yes |
| Accountant access | Yes | No |
| Type | bridging | bridging |
| HMRC status | Recognised | Recognised |
| Price verified | 2026-08-10 | 2026-08-10 |
123 Sheets
Bridging software. If you already live in a spreadsheet, you keep it and 123 Sheets just submits the quarterly updates — by far the cheapest way to comply.
- Spreadsheet diehards
- People who want the lowest possible price
flonancial
Free, browser-based bridging for sole traders and UK landlords. Your spreadsheet is read in your browser and only the summary figures go to HMRC — a privacy-first take on the cheapest way to comply.
- Spreadsheet keepers who want to pay nothing
- People who care where their data goes
Not sure either is right? Use the finder to get a recommendation ranked by what it will actually cost you.
Prices are each tool's cheapest plan, VAT included, last verified 10 August 2026 (catalogue reconciled 10 August 2026). Links are affiliate links and never affect ranking. Not affiliated with HMRC; not tax advice.