Pandle
Full cloud accounting · by Pandle · HMRC-recognised
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.
Our verdict
Pandle is a genuinely free cloud-bookkeeping tool that's HMRC-recognised for Making Tax Digital for Income Tax — its free version covers the quarterly updates for sole traders and UK landlords, with an optional Pro tier if you want more automation. You get a fuller bookkeeping experience than a bare filer, at no cost; the trade-offs are fewer bells and whistles than the premium suites and no foreign-property support. For a budget-conscious sole trader or UK landlord, it's a strong free pick.
At a glance
- Self-employment
- Yes
- Property / rent
- Yes
- Keeps your spreadsheet
- No
- Accountant access
- No
- Price verified
- 2026-07-01
- HMRC status
- Recognised
Plans & true annual cost
| Plan | Self-emp. | Property | Per year (incl. VAT) |
|---|---|---|---|
Free Free version is HMRC-recognised and free to comply with MTD for Income Tax quarterly updates (sole trader and UK property). The optional Pandle Pro adds automation but isn't required to file. | ✓ | ✓ | £0 |
Pros & cons
What's good
- Genuinely free version that files MTD for Income Tax quarterly updates
- Full cloud bookkeeping, not just a filer
- Covers self-employment and UK property income
- Optional low-cost Pro tier if you later want more automation
What's not
- Free version is lighter on automation than the paid suites
- No foreign-property support
- A smaller operation than the big-brand vendors
Who it's for
- People who want free cloud bookkeeping that also files MTD
- Sole traders and UK landlords on a budget
…and who should look elsewhere
- Landlords with foreign property income
- People who want heavy bank-feed automation for free
Common mistakes to avoid
- Assuming a free tool can't be HMRC-recognised — it is
- Paying for Pro when the free version already covers a straightforward filer
Frequently asked questions
- Is Pandle really free?
- Yes — Pandle's free version is HMRC-recognised and free to use to comply with MTD for Income Tax quarterly updates. The paid Pro tier adds automation but isn't required to file.
- Is Pandle HMRC-recognised for MTD for Income Tax?
- Yes — it appears on HMRC's recognised software list with a free version.
- Does Pandle cover landlords?
- It covers self-employment and UK property income. It doesn't currently support foreign property.
- Do I need Pandle Pro?
- Not to comply — the free version files quarterly updates. Pro is for those who want more automation.
Alternatives to consider
Also free, and covers foreign property income as well.
Another free option with a fuller accounting feel, within its free-plan limits.
Free for life with the right bank account.
Compare Pandle with
Pricing for Pandle was last verified on 1 July 2026 against the vendor's page; the catalogue was reconciled 1 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.