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Free HMRC-recognised MTD bridging software for spreadsheet users.
flonancial helps UK sole traders and landlords connect their existing spreadsheet records to HMRC for Making Tax Digital for Income Tax. It is designed for straightforward cases that need compliance without a full bookkeeping package, bank feed or subscription.
HMRC-recognised software
Recognition means the product is listed as compatible software by HMRC. It is not tax advice or an HMRC endorsement.
- Price
- Free
- Product type
- Bridging software
- Company
- Flonancial Ltd
Supported lane
Where flonancial fits
Quarterly updates are cumulative from 6 April. For 2026-27 the next standard update covers 6 April to 5 October 2026 and is due by 7 November 2026.
- Sole-trader self-employment and UK property businesses.
- Standard quarterly periods (6 April to 5 April), with updates due 7 August, 7 November, 7 February and 7 May.
- Straightforward income and ordinary expenses below £90,000 per source, using HMRC's consolidated-expenses route.
- Spreadsheet upload, total-cell selection, review, HMRC submission and downloadable receipts.
- Residential finance costs (such as mortgage interest) for UK landlords, as a separate figure.
- A supported year-end tax-return journey for the same straightforward lane, with checks that divert wider cases before submission.
Accuracy guardrails
Where to use something else
flonancial is deliberately narrow. It should not be described as a full accounting platform or as suitable for every Self Assessment tax return.
- Category-split quarterly updates where a source is £90,000 or above.
- Foreign property, partnerships, capital gains, agent filing or accountant client access.
- Residential property finance costs (such as mortgage interest) are supported as a separate figure; unused finance costs brought forward are not. Other special property fields such as lease premiums, tax deducted from rent, Rent-a-Room and service charges are not supported.
- Calendar-period support as a promoted feature.
- Wider personal tax-return items, reliefs or charges that fall outside the current guided year-end lane.
Copy for editors
Short descriptions
These are safe descriptions for directories, editorial mentions and software-listing updates.
One sentence
flonancial is free HMRC-recognised Making Tax Digital bridging software for UK sole traders and landlords who keep records in a spreadsheet.
Longer listing copy
flonancial lets straightforward sole traders and UK landlords connect to HMRC, upload a spreadsheet, select the totals for their MTD quarterly update, review the figures and submit. The file is parsed in the browser, the service is free, and the supported MTD year-end tax return is included for the same narrow lane.
Founder quote
"MTD should not force every small landlord or sole trader into a paid bookkeeping package. flonancial exists for people who already keep simple spreadsheet records and just need a safe, free bridge to HMRC."
Quick facts
Useful facts
- Free to use for quarterly updates and the supported MTD year-end tax return.
- Built for individual sole traders and UK landlords who already keep spreadsheet records.
- Spreadsheet files are parsed in the browser and are not uploaded to flonancial's servers.
- Uses HMRC's official authorisation flow. flonancial never sees or stores Government Gateway passwords.
- No bank feeds, card requirement, adverts, client account, agent filing or bookkeeping bundle.
Links
Fact-check links
Assets
Brand assets
For fact-checking, listings and media requests
flonancial is happiest being listed accurately: free, HMRC-recognised bridging software for simple spreadsheet users, with clear limits for complex tax cases.