flonancial
Bridging (keep your spreadsheet) · by Flonancial Ltd · HMRC-recognised
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.
Our verdict
flonancial is the newest breed of free bridging: no subscription, no ads, and a pledge that the mandatory MTD steps stay free — the plan is to charge later only for optional extras. Its distinctive angle is privacy: your spreadsheet is parsed in your browser, and only the summary totals you submit are ever stored. HMRC currently lists it for quarterly updates, so check the year-end position before relying on it end to end. It's a young company with a deliberately narrow job — for a spreadsheet keeper who wants £0 filing, that narrowness is the appeal.
At a glance
- Self-employment
- Yes
- Property / rent
- Yes
- Keeps your spreadsheet
- Yes
- Accountant access
- No
- Price verified
- 2026-07-06
- HMRC status
- Recognised
Plans & true annual cost
| Plan | Self-emp. | Property | Per year (incl. VAT) |
|---|---|---|---|
Free Genuinely free bridging: quarterly updates filed from your own spreadsheet at no cost, no ads, no subscription. The vendor pledges the mandatory MTD steps will always stay free. | ✓ | ✓ | £0 |
Pros & cons
What's good
- Genuinely free — no subscription, no ads, and the mandatory MTD steps are pledged to stay free
- Privacy-first design: the spreadsheet is read in your browser and only summary figures are stored
- Nothing to install and no new bookkeeping system to learn
- Covers both self-employment and UK property income
What's not
- HMRC currently lists it for quarterly updates only — confirm how the year-end return will be handled
- Pure bridging: no bookkeeping, bank feeds or record keeping
- No accountant agent access (flagged as a possible future paid extra)
- A young company without a long track record
- No foreign property support
Who it's for
- Spreadsheet keepers who want to pay nothing
- People who care where their data goes
…and who should look elsewhere
- People who don't keep a spreadsheet and want software to hold the records
- Anyone who wants their accountant filing through agent access
- Landlords with foreign property income
Common mistakes to avoid
- Choosing bridging without actually keeping digital records in a spreadsheet first
- Assuming free bridging includes the year-end step — check the current position before you rely on it
Frequently asked questions
- Is flonancial really free?
- Yes — no subscription and no ads. The vendor pledges the mandatory MTD steps (quarterly updates and the year-end return) will always remain free, with optional extras possibly charged for in future.
- Is flonancial HMRC-recognised?
- Yes — it's on HMRC's recognised-software finder for MTD for Income Tax, currently listed for quarterly updates.
- What happens to my spreadsheet data?
- It's parsed in your browser — only the summary figures you choose to submit go to HMRC, and only those summaries are stored. Individual transactions and bank details never leave your machine.
- Does it cover landlords?
- Yes — UK property income alongside self-employment. Foreign property isn't supported.
- Can my accountant use it for me?
- There's no agent access today — it's built for people filing themselves. Accountant collaboration is mentioned as a possible future paid feature.
Alternatives to consider
Also free bridging, with the final declaration and foreign property already listed by HMRC.
Free with an in-app accounting mode if you'd rather not maintain the spreadsheet yourself.
A long-established paid bridging tool if you want more track record for a small fee.
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See flonancial ranked
Pricing for flonancial was last verified on 6 July 2026 against the vendor's page; the catalogue was reconciled 6 July 2026. Its cheapest plan's true annual cost is free. Links are affiliate links and never affect ranking. Not affiliated with HMRC; not tax advice.