Affordable MTD 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 £19.99/yr for Affordable MTD — but the cheapest plan only wins if it covers the income types you actually have.
| Affordable MTD | flonancial | |
|---|---|---|
| True annual cost from | from £19.99/yr | £0 |
| Self-employment | Yes | Yes |
| Property / rent | Yes | Yes |
| Keeps your spreadsheet | Yes | Yes |
| Accountant access | No | No |
| Type | bridging | bridging |
| HMRC status | Recognised | Recognised |
| Price verified | 2026-11-06 | 2026-10-26 |
Affordable MTD
Bridging software that does one job: quarterly updates and the final declaration for self-employment and UK property, typed in or imported from a spreadsheet. Free until April 2027, then one of the lowest prices of any paid tool here.
- People who keep their own digital records and want a very low price
- Sole traders and landlords who just need to file
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 November 2026 (catalogue reconciled 26 October 2026). Links are affiliate links and never affect ranking. Not affiliated with HMRC; not tax advice.