Free MTD Bridging Software for Spreadsheets — Flonancial
2026-03-04
Most Making Tax Digital software costs between £12 and £35 per month. If you're a sole trader or landlord with straightforward finances, that feels like a lot to pay for something the government is forcing you to do.
Flonancial is free MTD bridging software. It connects your existing spreadsheet to HMRC so you can submit your quarterly updates without paying for accounting software you don't need.
What is bridging software?
Bridging software is a tool that takes data from your existing records (like a spreadsheet) and submits it to HMRC in the format their API requires. It bridges the gap between how you keep your records and how HMRC wants to receive them.
HMRC maintains an official list of compatible software. There are two main types:
- Full accounting software — platforms like Xero, QuickBooks, and FreeAgent that replace your spreadsheet entirely
- Bridging software — lightweight tools that work with your existing records
Why is Flonancial free?
Flonancial is free for sole traders and landlords. No card required, no trial period, no catch.
How it works
- Upload your spreadsheet — any .xlsx, .xls, .csv, or .ods file
- Pick your figures — click the cells containing your turnover and expenses totals
- Connect to HMRC — one-time setup using your Government Gateway account
- Submit — review your figures and submit directly to HMRC
What you don't get (and don't need)
Flonancial doesn't do bookkeeping, invoicing, bank feeds, or payroll. It does one thing: submit your quarterly MTD figures to HMRC. If you already keep good records in a spreadsheet, that's all you need.
Security and privacy
Your spreadsheet is parsed entirely in your browser — the file never leaves your device. We use HMRC's official OAuth process, so we never see your Government Gateway password. We only store the summary figures you submit.
Getting started
Create a free account, connect to HMRC, and submit your first quarterly update in minutes. No card required, no trial period, no catch.
Why is Flonancial free? What's the catch?
There isn't one. Your spreadsheet is processed in your browser — it never touches our servers. HMRC's API is free to use. We don't collect your financial data, we don't sell your information, and we don't show you ads. In 2026, the smart move isn't to charge people for something that costs nearly nothing — it's to build something genuinely useful and earn trust. The core MTD submission will always be free.