Pandle vs Sage Accounting
Both are full cloud accounting tools for Making Tax Digital for Income Tax.
Pandle is the cheaper starting point at £0 (VAT included) versus from £288/yr for Sage Accounting — but the cheapest plan only wins if it covers the income types you actually have.
| Pandle | Sage Accounting | |
|---|---|---|
| True annual cost from | £0 | from £288/yr |
| Self-employment | Yes | Yes |
| Property / rent | Yes | Yes |
| Keeps your spreadsheet | No | No |
| Accountant access | No | Yes |
| Type | full cloud accounting | full cloud accounting |
| HMRC status | Recognised | Recognised |
| Price verified | 2026-07-01 | 2026-07-01 |
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
Sage Accounting
Established accounting software with strong accountant support and phone help. Pricier than most here, no surprises.
- People who want UK phone support
- Those whose accountant uses Sage
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 1 July 2026 (catalogue reconciled 1 July 2026). Links are affiliate links and never affect ranking. Not affiliated with HMRC; not tax advice.