Guides & resources
Everything you need to know about Making Tax Digital for Income Tax.
UK Property, Mortgage Interest and MTD: What Landlords Need to Know
Residential mortgage interest is not an ordinary property expense under MTD. Learn how property finance costs fit into quarterly updates and what flonancial currently supports.
What flonancial Learned from the First MTD Deadline
The first MTD quarterly deadline showed where taxpayers get stuck: HMRC sign-up, separate businesses, spreadsheet totals, receipts, property finance costs and year-end questions.
SIPP Contributions and MTD: Do They Go in Quarterly Updates?
SIPP contributions are private pension contributions, not quarterly sole-trader expenses. See where they belong under MTD for Income Tax and what to keep for year end.
After the First MTD Quarterly Deadline: What Happens Now?
The first MTD quarterly update deadline was 7 August 2026. Learn what to do if you missed it, what Q2 covers and what HMRC says about 2026/27 penalties.
Can You Submit Your MTD Year-End Tax Return with flonancial?
Flonancial includes the supported MTD year-end tax return for straightforward sole-trader and UK-property cases. See what is included, what is in development and what belongs elsewhere.
MTD Quarterly Update or Year-End Tax Return? What Goes Where
See whether Gift Aid, PAYE income, bank interest, Child Benefit and business expenses belong in an MTD quarterly update or year-end tax return.
MTD £50,000 vs £90,000 Thresholds: What Each One Means
Understand the MTD £50,000 qualifying-income threshold and separate £90,000 simplified-categorisation limit, with clear worked examples.
MTD HMRC Connection Not Authorised: How to Fix It
Fix an MTD HMRC connection not authorised error by checking your MTD sign-up, Government Gateway account, details and software authorisation.
How to Know HMRC Accepted Your MTD Quarterly Update
Learn how to confirm HMRC accepted your MTD quarterly update, find the correlation ID, and check the right details before submitting again.
Making Tax Digital Exemptions: Who Can Apply and How
Find out who may be exempt from MTD for Income Tax, what digital exclusion means, how to apply to HMRC, and what to do while waiting for a decision.
Making Tax Digital for Jointly Owned Rental Property
Understand MTD for jointly owned rental property: whose share counts, what to report quarterly, and how income-only updates affect year-end expenses.
Making Tax Digital with Multiple Businesses or Rental Income
MTD thresholds combine income across your businesses, but quarterly updates are separate. See how to organise records for several trades and property income.
What Expenses Go in an MTD Quarterly Update?
Learn what expense figures belong in an MTD quarterly update, when consolidated expenses can be used, and how to correct a mistake in your next update.
Making Tax Digital Qualifying Income: What Counts and What Does Not
Work out whether you need MTD for Income Tax. Learn how gross self-employment and property income, joint property and multiple businesses affect the threshold.
Making Tax Digital for CIS Subcontractors: Quarterly Updates, Deductions and Refunds
MTD now applies to CIS subcontractors in the first April 2026 group. How quarterly updates, CIS deductions and refunds work, and how to file supported updates free.
Best Free MTD Software for Sole Traders and Landlords (2026)
Compare the best free Making Tax Digital software for sole traders and landlords in 2026, including free bridging software that works with your existing spreadsheet.
In-year updates vs quarterly updates: how MTD submissions actually work
Confused about in-year updates and quarterly updates under Making Tax Digital? This plain-English guide explains how MTD submissions work, with examples for 5 May, 5 June, 5 July and the 7 August deadline.
Missed an MTD Quarterly Deadline? Your 30-Day Recovery Plan
Missed your MTD quarterly update deadline? Don't panic. Here's exactly what to do over the next 30 days, what HMRC will (and won't) charge you, and how to get back on track.
MTD for Content Creators: YouTubers, Streamers, TikTokers & Influencers
Content creators earning over £50,000 from YouTube, Twitch, TikTok, sponsorships, or affiliate income now fall under Making Tax Digital. Here's what you need to know.
Cumulative Quarterly Updates: HMRC's New MTD Submission Model Explained
MTD quarterly updates are now cumulative, each submission replaces the last with year-to-date totals. Here's how HMRC's new model works and why it makes life easier.
What Happens If I Ignore Making Tax Digital?
Thinking of ignoring MTD? Here's what actually happens, penalties, interest, and what HMRC can do if you don't comply.
Making Tax Digital for Airbnb Hosts, Free Software for Landlords
Airbnb hosts with qualifying income over £50,000 may already need to use MTD. Learn what's required and how to submit supported quarterly updates for free.
Making Tax Digital for eBay and Etsy Sellers, What You Need to Know
Sell on eBay or Etsy? If your qualifying income exceeds £50,000, Making Tax Digital may already apply. Learn what's required and how to comply for free.
How to Sign Up for MTD on GOV.UK, Step by Step
A simple step-by-step guide to signing up for Making Tax Digital for Income Tax through your Government Gateway account on GOV.UK.
Free Spreadsheet Software for Making Tax Digital, What Are Your Options?
Don't have Excel? Here are the best free spreadsheet tools you can use for MTD record-keeping, including Google Sheets, Excel for the web, and more.
Making Tax Digital for Contractors, Limited Company vs Sole Trader
Are you a contractor? Whether you work through a limited company or as a sole trader, here's what MTD for Income Tax means for you.
Making Tax Digital for Cleaners & Domestic Service Providers
Self-employed cleaners and domestic workers: MTD for Income Tax is now live for the first 2026 group. Here's how to submit for free.
Making Tax Digital for Personal Trainers & Fitness Instructors
Self-employed PTs and fitness instructors: MTD for Income Tax is now live for the first 2026 group. Here's what it means and how to submit free.
Making Tax Digital for Hairdressers & Barbers, A Simple Guide
Self-employed hairdressers and barbers: MTD is now live for the first 2026 group. Here's what to do and how to submit quarterly updates free.
Making Tax Digital for Plumbers, Electricians & Builders
Self-employed tradespeople: MTD for Income Tax is now live for the first 2026 group. Here's what to know and how to submit quarterly updates for free.
Making Tax Digital for Taxi Drivers, What You Need to Know
Self-employed taxi and private hire drivers: MTD is now live for the first 2026 group. Here's what changes, what to do, and how to submit quarterly updates for free.
Free MTD Spreadsheet Template (Download)
Download a free Making Tax Digital spreadsheet template for sole traders and landlords. Track income, expenses, and submit to HMRC with one click.
Making Tax Digital vs Self Assessment, What's Actually Changing?
Confused about the difference between MTD and Self Assessment? Here's what's changing, what stays the same, and what you need to do differently.
Making Tax Digital 2026: The Complete Guide for Beginners
Everything you need to know about Making Tax Digital for Income Tax in 2026. Who's affected, what's required, deadlines, and how to comply.
Do I Need Making Tax Digital? A Quick Eligibility Check
Find out if Making Tax Digital applies to you. Check the income thresholds, exemptions, and timeline for MTD for Income Tax.
MTD Penalties Explained: Points, Fines, and the 2026/27 Grace Period
What happens if you submit late or get your MTD figures wrong? Understand penalty points, fines, and the 2026/27 first-year easement.
MTD Quarterly Deadlines 2026/27: Every Date You Need to Know
All the Making Tax Digital quarterly submission deadlines for the 2026/27 tax year. Don't miss a deadline, know exactly when to submit.
How to Submit Your First MTD Quarterly Update (Step by Step)
A practical step-by-step guide to submitting your first Making Tax Digital quarterly update to HMRC using your spreadsheet and free bridging software.
Making Tax Digital for Sole Traders, Keep Your Spreadsheet
Self-employed and worried about MTD? You don't need to switch to accounting software. Learn how sole traders can comply using their existing spreadsheet.
MTD Bridging Software Explained: What It Is and Why You Need It
Bridging software connects your spreadsheet to HMRC for Making Tax Digital. Learn what it does, how it works, and whether you need it.
MTD Software Comparison 2026: Free vs Paid Options
Compare the best Making Tax Digital software for 2026, pricing, features, and what sole traders and landlords actually need. Includes free options.
Making Tax Digital for Landlords, Free Software and What You Need to Know
UK landlords with qualifying income over £50,000 may already need to use MTD. Learn what's required and how to submit supported quarterly updates for free.
Free MTD Bridging Software for Spreadsheets, flonancial
Submit your Making Tax Digital quarterly updates to HMRC for free. Upload your spreadsheet, pick your figures, and submit. No accounting software needed.
Can You Use Excel for Making Tax Digital? Yes, Here's How
You don't need to ditch your spreadsheet for MTD. Learn how to use Excel or Google Sheets with free bridging software to submit quarterly updates to HMRC.