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 | 2026-07-06 | 2026-07-06 |
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 6 July 2026 (catalogue reconciled 6 July 2026). Links are affiliate links and never affect ranking. Not affiliated with HMRC; not tax advice.