Is SumUp Accounting free?

Yes — it's free for sole traders, built into the SumUp platform at no additional cost.

Does it cover landlords?

No — it currently covers sole-trader income only, not property.

It's built on Sage's embedded accounting technology.

SumUp Accounting

Full cloud accounting · by SumUp · HMRC-recognised

£0

true annual cost, VAT incl.

A free MTD for Income Tax tool for sole traders, built into SumUp's platform and powered by Sage. Turns the payments, invoicing and banking data you already capture in SumUp into MTD submissions at no extra cost.

Visit SumUp →Check it fits your situation

Our verdict

SumUp Accounting is a free MTD for Income Tax tool for sole traders, built into SumUp's platform and powered by Sage. If you already take payments through SumUp, it turns that data into MTD submissions at no extra cost — a genuinely free, low-effort route for the self-employed. It's sole-trader only (no property income), and like most tools its final declaration is still rolling out.

At a glance

Self-employment: Yes
Property / rent: No
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 for sole traders, built into the SumUp platform and powered by Sage. Quarterly updates ready now; the final declaration is rolling out. Sole-trader income only (no property).	✓	—	£0

Pros & cons

What's good

Genuinely free for sole traders
Built on Sage's accounting technology
Uses the payments, invoicing and banking data you already have in SumUp
Includes a real-time tax-liability estimate

What's not

Sole-trader only — no property or landlord income
Best value if you're already in the SumUp ecosystem
Newly launched, so less of a track record

Who it's for

Sole traders who already use SumUp
People who want a free, payments-integrated MTD tool

Frequently asked questions

Is SumUp Accounting free?: Yes — it's free for sole traders, built into the SumUp platform at no additional cost.
Does it cover landlords?: No — it currently covers sole-trader income only, not property.
Who powers it?: It's built on Sage's embedded accounting technology.
Is it HMRC-recognised?: Yes, for MTD for Income Tax.

Alternatives to consider

My Tax Digital SumUp Accounting vs My Tax Digital →
Also free, and covers property income as well as self-employment.
Pandle SumUp Accounting vs Pandle →
Free cloud bookkeeping that also covers UK property.
Clear Books SumUp Accounting vs Clear Books →
Free plan from an established provider, covering landlords too.

Compare SumUp Accounting with

Pricing for SumUp Accounting 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.

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