Free MTD Compliance Software for UK Sole Traders and Landlords
Since April 2026, about 864,000 UK sole traders and landlords have to file quarterly. VoxaMTD is free and works with any bank. Its paid plans add an AI accountant that has live access to your actual financial data.
Everything you need. In one place.
Alex AI Voice Accountant
Ask Alex anything about your tax. He reads your live transaction data and answers in plain English, 24/7 via voice.
AI Categorisation Engine
AI suggests an HMRC category for each transaction. You review and confirm before anything is sent to HMRC. Learns from your corrections.
Free MTD Submissions
Quarterly HMRC updates, free forever. No catch. Fraud prevention headers built in. Files directly to HMRC.
Section 24 Calculator
Full Section 24 mortgage interest restriction calculations. Per-property, with tax credit vs deduction comparison.
Hybrid Income
Both income streams (sole trader and landlord) in one platform and one dashboard, with a quarterly update for each, as HMRC requires.
Real-time Tax Estimates
Live tax liability, updated the moment a transaction lands. Payments on account included. No January surprises.
Frequently Asked Questions
What is Making Tax Digital (MTD)?
Making Tax Digital for Income Tax (MTD ITSA) is HMRC's requirement for sole traders and landlords to keep digital records and submit quarterly income and expense updates. Mandatory from April 2026 for those earning over £50,000, April 2027 for £30,000+, and April 2028 for £20,000+.
Do I need MTD software?
If you are a sole trader or landlord earning above the threshold, yes. You must use MTD-compatible software. You cannot submit manually. VoxaMTD is MTD-compatible and free.
Is VoxaMTD really free?
Yes. Core MTD compliance features (quarterly submissions, open banking, AI categorisation and property dashboard) are free forever. No credit card required. We earn revenue from optional paid plans, from £8.99/month for landlords and £15/month for sole traders.
How does VoxaMTD compare to Xero, Sage and QuickBooks?
Xero starts at £7 a month plus VAT and QuickBooks at £10 a month plus VAT, and neither has a free plan. Sage has a free plan with limits, and paid plans from £7 a month plus VAT. VoxaMTD's free plan sends quarterly updates to HMRC with no bank you have to hold, and covers sole trader and landlord income in one dashboard. The year-end final declaration is coming before April 2027, in time for the 2026 to 2027 tax year (first due 31 January 2028). Alex, the AI accountant that answers tax questions using your actual financial data, is on the paid plans.
What happens if I am not MTD-compliant?
HMRC will issue penalty points for missed quarterly submissions. After enough points, financial penalties apply. There is a soft landing in 2026/27 for late quarterly updates. For the Final Declaration, HMRC's penalty rules apply. See GOV.UK for details.
Can I use VoxaMTD for both self-employment and rental income?
Yes. VoxaMTD handles both income types in one dashboard and one login, and sends a quarterly update for each business, as HMRC requires.
Is my data secure?
VoxaMTD is operated by Voxa MTD Limited (Companies House No. 16984959). Data is stored with row-level security. Open banking is provided by Finexer, authorised and regulated by the FCA (FRN: 925695). VoxaMTD acts as its agent. We never store your Government Gateway password.
MTD is here. Start free, no card needed.
Free forever for core MTD compliance. No credit card required.
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