Tide Accounting
Full cloud accounting · by Tide · HMRC-recognised
Free, HMRC-recognised MTD for Income Tax tools built into the Tide app for members: digital records, quarterly updates and direct filing to HMRC. Sole-trader income only.
Our verdict
Tide bundles free MTD for Income Tax tools into its app for members — digital record-keeping, quarterly updates and direct filing, with auto-categorisation and tax estimates drawn from your Tide account. It's sole-trader only (no property income) and only relevant if you're a Tide member, but for self-employed Tide users it's a free, low-friction route to compliance.
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 MTD for Income Tax tools for Tide members: digital records, quarterly updates and filing via the Tide app. Sole-trader income only (no property). More advanced accounting on paid plans. | ✓ | — | £0 |
Can be free: Free with your Tide business account.
Pros & cons
What's good
- Free MTD for Income Tax tools for Tide members
- Filing and record-keeping inside the Tide app
- Auto-categorisation and real-time tax estimates
- A linked Tax Account to set money aside
What's not
- Only available if you're a Tide member
- Sole-trader income only — no property/landlord support
- Advanced accounting needs paid plans
Who it's for
- Tide members
- Sole traders who want to file from their banking app
Frequently asked questions
- Is Tide's MTD tool free?
- Yes — Tide's HMRC-recognised MTD for Income Tax toolkit is free for members.
- Can I use it without a Tide account?
- No — the MTD tools are built into the Tide app.
- Does it cover landlords?
- No — it covers sole-trader income only, not property.
- Is it HMRC-recognised?
- Yes, for MTD for Income Tax.
Pricing for Tide 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.