flonancial vs VitalTax
Both are bridging tools for Making Tax Digital for Income Tax.
flonancial is the cheaper starting point at £0 (VAT included) versus from £36/yr for VitalTax — but the cheapest plan only wins if it covers the income types you actually have.
| flonancial | VitalTax | |
|---|---|---|
| True annual cost from | £0 | from £36/yr |
| Self-employment | Yes | Yes |
| Property / rent | Yes | Yes |
| Keeps your spreadsheet | Yes | Yes |
| Accountant access | No | Yes |
| Type | bridging | bridging |
| HMRC status | Recognised | Recognised |
| Price verified | 2026-07-06 | 2026-07-06 |
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
VitalTax
An add-in that lives inside Excel or Google Sheets. No new app to learn — file straight from the spreadsheet you already use.
- Excel / Google Sheets users
- People who don't want to learn new software
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.