Free MTD Compliance Software for UK Sole Traders and Landlords
864,000 UK sole traders and landlords must file quarterly from April 2026. VoxaMTD is free, works with any bank, and includes 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
95% accuracy. Every expense sorted automatically into HMRC categories. Learns from your corrections.
Free MTD Submissions
Quarterly HMRC updates, free forever. No catch. Fraud prevention headers built in. HMRC-recognised software.
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, one dashboard, one quarterly submission.
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 HMRC-recognised MTD software. You cannot submit manually. VoxaMTD is HMRC-recognised 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 our Professional tier (£30/month) which adds a qualified accountant.
How does VoxaMTD compare to Xero and QuickBooks?
Xero and QuickBooks charge £7–75 per month. VoxaMTD is free for core MTD compliance. Plus: bank-agnostic (any UK bank), handles sole trader and landlord income in one dashboard, and includes Alex AI for tax questions using your actual financial data.
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, but penalties for late Final Declaration and inaccuracies apply from day one.
Can I use VoxaMTD for both self-employment and rental income?
Yes. Most MTD software requires two separate accounts. VoxaMTD handles both income types natively in one dashboard, one login, one quarterly submission.
Is my data secure?
VoxaMTD is operated by Voxa Automation Ltd (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). We never store your Government Gateway password.
MTD is here. Get compliant in 5 minutes.
Free forever for core MTD compliance. No credit card required.
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