Flonancial
Flonancial
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Free & Simple MTD for Income Tax

Trusted bridging software for Making Tax Digital. Securely upload your spreadsheet, review your figures, and submit quarterly updates directly to HMRC — purely in your browser. No plug-ins, no cookies, no fuss.

Step 1

Upload your spreadsheet

Already have a spreadsheet?

Upload it now — your file is parsed in your browser and never leaves your device.

Drag & drop or

.xlsx, .xls, .csv, or .ods

Or

Don't use a spreadsheet yet?

Download our free template. Enter your transactions — the Flo tab auto-calculates everything HMRC needs.

Download Free Template

Then come back and upload

Or

Using Google Sheets, Excel Online, or something else?

Export or download as .xlsx, then come back and upload. Works with Google Sheets, Microsoft 365 (free online version of Excel), LibreOffice, and more.

Export and re-upload

Then come back and upload

Secure & encrypted
GDPR compliant
Step 2

Connect to HMRC

Authorise securely with your Government Gateway account. One-time setup — connection is valid for 18 months.

Step 3

Review your figures

Check your outstanding HMRC obligations and double check your figures before anything is submitted.

Step 4

Submit to HMRC

Confirm and submit your quarterly update directly. Your cumulative figures are sent — ensure you keep your records safe.

See how it looks

Choose an example business to see how Flonancial works:

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 collect, 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 calculator

Frequently 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 account

Free · No card required