Who does MTD for Income Tax apply to?

Individuals only: sole traders and landlords (including jointly owned lets held in your own name) once qualifying income is over the HMRC threshold. Limited companies and LLPs are not on this Income Tax MTD timetable. If your combined self-employment and property income was over £50,000 in 2024–25, you start in April 2026. Between £30,000 and £50,000 starts April 2027. £20,000 follows in April 2028.

What do I have to do under MTD?

Keep digital records of income and expenses, use MTD-compatible software, send quarterly updates to HMRC, and file a final declaration at the year end. Spreadsheets on their own are not enough once you are in scope.

Do I still need a Self Assessment?

The annual Self Assessment remains for 2025–26. From the tax year you enter MTD, the final declaration replaces the old year-end return for those sources. Both Solaratax MTD packages include the year-end filing for the personal income they cover.

Which package is the basic monthly subscription?

MTD Comply is the basic monthly package: software, registration help, quarterly updates and the year-end declaration, with email support from a named accountant. MTD Complete is the accountant-led monthly package, with bookkeeping reviews, VAT, payroll and CIS where they apply.

Is MTD bridging live on this website?

MTD bridging from this portal is in development. Your named accountant still prepares the submissions that are live today, using HMRC-recognised software. We will not pretend a live HMRC sandbox connection exists until those credentials work.

Do landlords and CIS subcontractors use the same packages?

Yes, if the income is reported on a personal tax return. MTD Comply is enough when you keep your own records. MTD Complete is the better fit for mixed income, CIS or VAT. Property held in a company uses a landlord or limited-company package instead.

Can I keep using Xero or QuickBooks I already have?

Yes. We include Xero or QuickBooks in both monthly packages. If you already subscribe, we join that file rather than forcing a second licence.

Solaratax Limited · MTD

MTD for Income Tax, with a named accountant — not just software

From April 2026, many sole traders and landlords must keep digital records and send quarterly updates to HMRC. Solaratax includes MTD-ready software and a named accountant. The basic package is a monthly subscription from £45.

Individuals only. Limited companies and LLPs use a separate accounts package. MTD bridging from this portal is in development.

View MTD packages Does MTD apply to me?

Does MTD for Income Tax apply to you?

You are in scope if you have self-employment or UK property income in your own name, and your qualifying income is over HMRC’s threshold for that year. PAYE employment on its own is not enough. Directors of limited companies do not use these Income Tax MTD rules for the company itself.

Sole traders
Freelancers, CIS subcontractors, locums and other self-employed people reporting on a personal tax return.
Landlords
Residential lets, including jointly owned property held personally. Company property uses a company package.
Not these packages
Limited companies and LLPs stay on corporation tax and VAT MTD where registered. See accountancy packages.

What MTD actually means

HMRC wants income reported through the year, not only in January. In practice that is digital records, compatible software, four quarterly updates, and a final declaration.

01Keep income and expenses in digital records
02Use HMRC-recognised software
03Send a quarterly update of totals
04File the year-end final declaration

Your MTD timetable

6 April 2026
MTD for Income Tax starts for sole traders and landlords with qualifying income over £50,000.
7 August 2026
First quarterly update due for April to June 2026.
7 November 2026
Second quarterly update due for July to September 2026.
7 February 2027
Third quarterly update due for October to December 2026.
7 May 2027
Fourth quarterly update due for January to March 2027.
April 2027
The £30,000 income threshold comes into scope.
April 2028
The £20,000 income threshold comes into scope.

How Solaratax runs MTD

Get the software right

We put you on Xero or QuickBooks, connect the bank where we can, and show you how to capture receipts. You do not have to pick a second MTD app.

Keep records through the year

On MTD Comply you keep the books and we check the quarterly totals. On MTD Complete your accountant reviews the file before each deadline.

We submit, you approve

Nothing goes to HMRC until you have seen the figures. MTD bridging from this website is in development; your accountant still files the live updates.

Monthly subscription

Start with the basic MTD package, or take full cover

Both are monthly. MTD Comply is the basic subscription if you are happy to keep your own records. MTD Complete is accountant-led. Full comparison and checkout live on the MTD packages page.

Basic monthly subscription

MTD Comply

Digital records software, MTD registration support and help with quarterly updates if you prefer to keep the books yourself.

£45per month

Or £486 if you pay 12 months at once

The basic monthly MTD package. You keep the books; we handle setup, quarterly updates and the year-end declaration.

Ideal for: Sole traders, landlords and CIS subcontractors who are comfortable with their own bookkeeping and need an accountant for MTD submissions.

Xero or QuickBooks for digital records
Help registering for MTD for Income Tax
Quarterly update support
Year-end declaration support
Deadline reminders
Email support from a named accountant
Reply within one working day
Self Assessment filing for the year

What’s included

Named accountant. You work with one Solaratax accountant who knows your file, not a rotating call centre.
Cloud accounting software. Xero or QuickBooks is included so you and your accountant see the same live figures.
MTD-ready software. HMRC-recognised cloud software for digital records. MTD for Income Tax bridging from this portal is in development; your accountant still manages the filings that are live today.
MTD quarterly updates. Quarterly update support and the year-end declaration once you are in scope of MTD for Income Tax.
Self Assessment. One personal SA100 (and usual supplementary pages for that package) prepared and filed.
Deadline reminders. HMRC, Companies House and payment date reminders so filings are not left to the last week.

Not in the monthly fee

Full quarterly bookkeeping reviews (choose MTD Complete)
VAT and payroll unless added
Live MTD bridging from this website — that work is in development

Buy now Choose this package

Accountant-led monthly

Most chosen

MTD Complete

A named accountant reviews the books, supports VAT, payroll and CIS where needed, and keeps you on the MTD calendar.

£65per month

Or £702 if you pay 12 months at once

Ideal for: Self-employed people and landlords who want an accountant involved all year, not only at the quarterly click.

Named accountant and bookkeeping reviews
MTD quarterly updates and final declaration
Self Assessment included
VAT and payroll support when you need it
CIS support where it applies
Xero or QuickBooks included
Same-day reply before 3pm
Deadline reminders

What’s included

Named accountant. You work with one Solaratax accountant who knows your file, not a rotating call centre.
Same-day response. Same working-day reply if you write or call before 3pm on a weekday. After 3pm we reply the next working day. If we miss that, we credit £50 to your next invoice.
Cloud accounting software. Xero or QuickBooks is included so you and your accountant see the same live figures.
Year-end accounts. Statutory or self-employed accounts prepared and filed where Companies House or HMRC require them.
Self Assessment. One personal SA100 (and usual supplementary pages for that package) prepared and filed.
VAT returns. VAT returns prepared from the cloud books when the business is VAT-registered.
Payroll (up to two people). PAYE, RTI and the usual year-end payroll forms for up to two employees or directors.
Quarterly bookkeeping review. We review the books each quarter, query gaps and keep the file ready for tax.
Deadline reminders. HMRC, Companies House and payment date reminders so filings are not left to the last week.
HMRC records support. Help with HMRC record checks, coding notices and routine correspondence on the file.
MTD-ready software. HMRC-recognised cloud software for digital records. MTD for Income Tax bridging from this portal is in development; your accountant still manages the filings that are live today.
MTD quarterly updates. Quarterly update support and the year-end declaration once you are in scope of MTD for Income Tax.
CIS support. Construction Industry Scheme filings where the package includes contractor or subcontractor CIS.

Not in the monthly fee

Live MTD bridging from this website — that work is in development
Payroll beyond two people

Buy now Choose this package

Still got questions?

Write to enquiries@solaratax.co.uk or call 01615 314179 before 3pm for a same-working-day reply.

Get on the MTD calendar before April 2026

Start the basic monthly package, or compare both on the MTD packages page.

Choose an MTD package

Related services

Solaratax provides tax and accounting services across Manchester, London, and the UK. 128 City Road, London, EC1V 2NX. 01615 314179.

Send an enquiry

The same form as our contact page. Write to enquiries@solaratax.co.uk or call 01615 314179 if you would rather not use the form.

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