Free MTD Bridging for Sole Traders and Landlords
No Strings Attached.
No accounting software No bank feed No subscriptionMTD means keeping digital records, but it does not mean you need full accounting software or a bank feed. Use your own spreadsheet or start with our free template. With flonancial, you select the totals for your quarterly update, review them, and submit to HMRC in minutes. The mandatory aspects of MTD, quarterly updates and the year-end tax return, will always remain free with flonancial. Not as a trial or limited-time offer, but as part of our commitment to simple, accessible MTD compliance.
How it works
Upload
Use your own spreadsheet or download our template.
Try it yourself, see exactly how it works
Pick an example business and drag their spreadsheet across, or drop your own to see what a real submission would look like.
1 · Tap a spreadsheet
Steve Barker
Bricklayer & general builder
Sally Okonkwo
Mobile music teacher
The Harringtons
Buy-to-let landlords · 4 properties
Priya Sharma
Freelance graphic designer
Marcus Williams
Private hire & taxi driver
Tom Reilly
Personal trainer
Tap a card to load its spreadsheet.
2 · Upload, review, submit
Drop your spreadsheet here
.xlsx, .xls, .csv, or .ods
or drag a card from the left
After every submission
You get a receipt like this
Includes HMRC's confirmation ID, exact figures sent, period covered, and the date and time. Save as PDF from any submission in your history. Example shown below.
flonancial
Submission receipt
Quarterly update sent to HMRC under Making Tax Digital for Income Tax
Submitted
28 July 2026 at 14:32
UK local time
Account
steve@example.co.uk
Business
Steve's Bricklaying
Registered with HMRC as: S Barker T/A Bricklaying
Sole trader (self-employment)
Period covered (cumulative year-to-date)
6 April 2026 to 5 July 2026
Tax year 2026–27
Figures submitted
| Turnover | £18,400.00 |
| Expenses | £4,520.00 |
| Other business income | £0.00 |
HMRC confirmation
a06aa306-b9c0-453a-b688-a74eac4bfdef
Quote this correlation ID if you ever need to contact HMRC about this submission.
Example shown. Real receipts use your actual business, figures, and HMRC confirmation ID.
Why is flonancial free? What's the catch?
There isn't one. Flonancial was built to help people being pulled into Making Tax Digital for Income Tax without forcing them into expensive accounting software. It started as a tool for a handful of friends and family who were being pulled into MTD ahead of the £50,000 threshold. Once it was built, letting more people use it cost almost nothing, so we opened it up to everyone in the same position.
Flonancial connects to HMRC through their official Making Tax Digital API, which is free to use. It is designed around spreadsheet bridging, which HMRC recognises as a valid way to connect existing spreadsheet records to MTD software. Your spreadsheet is parsed in your browser, so we only see the totals you choose to submit to HMRC. Quarterly updates are summaries of income and expenses, not your full transaction history. We never see your individual transactions, bank details, or Government Gateway password. When you connect to HMRC, you sign in through Government Gateway and grant flonancial permission to submit on your behalf. You always get to review your figures before anything is sent, and you can remove flonancial's permission through your HMRC account at any time.
We don't sell your information, we don't show you ads, and we won't suddenly put essential or core MTD submissions behind a paywall. Flonancial is run by Flonancial Ltd, a UK registered company, and we are registered with the Information Commissioner's Office under reference ZC141107. In future, we may add optional paid extras, such as reports, reminders, accountant collaboration or bank feed features. But the core service, submitting your quarterly updates and end of year tax return to HMRC, will always be free with flonancial.
Built for sole traders and UK landlords
- ✓Pure bridging software, we read your turnover and expenses and submit them to HMRC
- ✓Purely browser-based and secure, your spreadsheet never leaves your device. No plug-ins needed.
- ✓We don't sell or share your data. No tracking cookies, no ads. Privacy-friendly, cookie-free analytics only.
- ✓We only store the summary figures you submit, no transactions, no spreadsheet data
- ✓Keep your records in your spreadsheet exactly as you do now
- ✓Free, and not just for the first year. MTD bridging with flonancial will always be free.
- ✓Secure HMRC connection via official OAuth, we never see your HMRC password
- ✓Operated by Flonancial Ltd (Company No. 17090724)
How much tax will you owe?
Use our free self-employed tax calculator to estimate your income tax and National Insurance for 2026–27.
Try the tax calculatorFrequently asked questions
Ready to start?
Create your free account, connect to HMRC, and submit your first quarterly update. Free, and not just for the first year. MTD bridging with flonancial will always be free.
Create your free accountFree · No card required