MTD software from £26/month

All three plans include unlimited bank CSV uploads across 8 UK bank formats (Barclays, HSBC, Lloyds, NatWest, Monzo, Starling, Santander, Nationwide), AI categorisation against HMRC SA105 rules, the digital records MTD requires you to keep, quarterly totals ready to file, and quarterly deadline reminders. The plans differ only in the number of properties supported and the level of support. They do not include submitting to HMRC for you — see the HMRC question below.

Not a timed trial. Creating an account is free and needs no card, so you can add a property, upload a statement and see how categorisation works before you pay. Paid features start when you subscribe, and the first payment is taken immediately.

Yes. You can change your plan at any time from the Settings page inside the app. Upgrades take effect immediately. Downgrades take effect at the start of your next billing cycle.

If you add more properties than your current plan allows, you will be prompted to upgrade before saving the additional property. Your existing properties and data are not affected.

No — and we would rather say so on the pricing page than after you have paid. On 7 August 2026 HMRC's own developer guide stated that it 'is no longer accepting production credential access requests for new 2026-27 quarterly update products, as the market window for these products has now closed.' That applies to us, so for 2026/27 we cannot file on your behalf however much you pay. What you get instead is everything up to the submission: MTD-compliant digital records, every transaction categorised to its SA105 box, and quarterly totals you or your accountant can file in minutes. If HMRC opens a window for later years we will apply, and we will not charge extra for it.

Yes. All plans are billed monthly with no minimum term. Cancel from your Settings page at any time and you retain access until the end of your current billing period. We do not charge cancellation fees.

Your data is stored in a UK-region PostgreSQL database with encryption at rest. HMRC OAuth tokens are encrypted. We do not store bank login credentials — you upload a CSV export from your bank. All connections use TLS. See the Security page for full details.

Yes. You need a route to HMRC: an accountant, or a provider on HMRC's compatible-software list. Our job is to make that step short and cheap — you hand over finished, categorised quarterly figures instead of a year of bank statements, which is the part accountants bill for. Our HMRC integration is built and runs against HMRC's sandbox environment, so if a production window opens we are ready.