My Tax Digital vs Pandle
Both are full cloud accounting tools for Making Tax Digital for Income Tax.
My Tax Digital and Pandle start at the same true annual cost (£0, VAT included), so the choice comes down to fit rather than price.
| My Tax Digital | Pandle | |
|---|---|---|
| True annual cost from | £0 | £0 |
| Self-employment | Yes | Yes |
| Property / rent | Yes | Yes |
| Keeps your spreadsheet | No | No |
| Accountant access | Yes | No |
| Type | full cloud accounting | full cloud accounting |
| HMRC status | Recognised | Recognised |
| Price verified | 2026-08-10 | 2026-08-10 |
My Tax Digital
A genuinely free, HMRC-recognised MTD tool from Open Answers. Works as either spreadsheet bridging or simple in-app accounting, and covers both self-employment and property income at no cost.
- Anyone who wants to comply for £0
- Sole traders and landlords with straightforward affairs
Pandle
Free, HMRC-recognised cloud bookkeeping. The free version covers MTD for Income Tax quarterly updates for sole traders and UK landlords, with an optional paid Pro tier for more automation.
- People who want free cloud bookkeeping that also files MTD
- Sole traders and UK landlords on a budget
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.