MTD compliance without the accounting headache.

Connect your bank. Swipe to classify. Submit quarterly updates directly to HMRC. Built for sole traders and landlords who just want it sorted.

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See how it works
  • MTD-ready workflow
  • Read-only bank access
  • UK data protection
13 left to classify

68% of this quarter sorted · 27 of 40 transactions

SG

Shell Garage

Fuel · Contactless · 18 June 2026
£152.40
PersonalBusiness

Tax software wasn't built for people like you.

Three reasons the usual options leave sole traders and landlords stuck.

Accounting software is overkill

You don't need complex ledgers, journal entries, or balance sheets. You just need to tell HMRC what came in and what went out.

Quarterly deadlines are confusing

Moving from one annual return to four quarterly updates plus a final declaration is a recipe for missed deadlines and fines.

Spreadsheets won't cut it for MTD

HMRC requires digital links and recognised software. Your trusty Excel file won't be compliant under the new rules.

Under 3 minutes per quarter.

The calmest workflow in tax compliance.

1

Connect bank & HMRC

Secure, read-only access imports your transactions automatically.

2

Swipe to classify

Quickly sort transactions into business or personal with a single motion.

3

Submit quarterly update

Review the summary and send compliant data to HMRC in one tap.

Built for people who hate accounting software.

Plain English. One app. No jargon.

Sole traders

Freelancers, contractors, and tradespeople who want MTD sorted without learning accounting software.

Landlords

Individuals with rental income who need property expenses kept separate from personal spending.

Trade and rental income? Separate ledgers, one account.

Security you can hand your accountant.

HMRC-ready workflow

Built for Making Tax Digital quarterly updates and end-of-year declarations.

Read-only bank access

We never move your money. You pay HMRC directly, as always.

UK data protection

Encrypted sensitive data with a privacy-first approach to your tax records.

Estimates only — not tax advice. Always confirm figures with a qualified adviser if unsure.

Ready before the deadline?

Simple pricing
£10/month

Billed annually (£120/year inc. VAT)

  • Half the price of entry-level Xero
  • Unlimited bank connections
  • Direct HMRC submission
  • Swipe-to-classify transaction inbox
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Common questions

From April 2026, sole traders and landlords above the income threshold must keep digital records and send HMRC quarterly income and expense updates using recognised software — not just an annual Self Assessment form.

Yes. MTD adds quarterly updates throughout the year. You still complete an end-of-year declaration, but your software already holds the figures from each quarter.

Your total gross income from self-employment and UK property before expenses. Employment income, dividends, and pensions don't count toward the MTD threshold.

PactTax uses read-only open banking. We can see transactions to help you classify them — we cannot make payments or move funds from your account.

Yes. PactTax supports UK rental income with property-specific expense categories and keeps rental transactions separate from personal spending.

You maintain separate digital records for each income source under one PactTax account — exactly what HMRC requires.

Your first quarterly update, sorted.

Join sole traders and landlords getting ahead of MTD — before the 7 August deadline.

Start 14-day free trial

No accounting degree required. Cancel anytime.