"untied" – What You Need to Know
An in-depth look at "untied" — features, strengths, limitations, and who it's best for.
At a Glance
Key facts about "untied" at a glance.
| Feature | "untied" |
|---|---|
| Software Type | Personal Tax & MTD App |
| Target Users | Sole Traders, Landlords, Freelancers, High-Earners, Accountants |
| Income Sources Supported | Sole Trader + UK Property + Foreign Property |
| Free MTD Software Plan | 30-day free trial |
| MTD Quarterly Updates to HMRC | Yes |
| Final Declaration | Yes |
| Bank Reconciliation | Yes |
| Automated Bank Feeds | Yes |
| Invoice Creation | Yes |
| Receipt Capture (OCR) | Yes |
| Expense Auto-Categorisation | Yes |
| Property Portfolio Management | No |
| Tenant Management | No |
| Joint Ownership & Profit Sharing | Yes |
| Payroll | No |
| HMO Unit-Level Tracking | No |
| HMRC SA105 Box Pre-Mapping | Yes |
| Spreadsheet Import/Export | Yes |
| Platform | Web, iOS, Android |
| GDPR Compliant | Yes |
What Is "untied"?
What Is "untied"?
"untied" is the UK's personal tax app, operated by UT Tax Ltd and launched in 2018. It was the first end-to-end app to be recognised by HMRC for Making Tax Digital for Income Tax — a landmark confirmed on untied's accountants page and widely noted in the MTD software market. The platform is HMRC-recognised, regulated by the FCA (FRN 910169) as a registered account information services provider, and supervised by the Chartered Institute of Taxation.
"untied" is built around a single founding principle: make UK personal tax as simple as possible for the people who find it most daunting — sole traders, freelancers, landlords, gig workers, and high-earners. It connects to unlimited bank accounts (the majority of UK banks supported), automatically tracks and categorises transactions using rules and built-in AI, logs mileage automatically or manually, generates invoices, calculates tax in real time, and files directly to HMRC — including both quarterly MTD updates and the full end-of-year tax return.
Strengths
- First end-to-end app HMRC-recognised for MTD — a proven track record
- Covers MTD quarterly updates and the full annual tax return in one app
- Widest income source coverage of any personal tax app — capital gains, CIS, foreign income, non-residency, multiple PAYE, EIS/SEIS
- Built-in AI insights and real-time tax calculations
- Automatic and manual mileage tracking — useful for landlords who travel between properties
- Can be used as full record-keeping software or as bridging software
- FCA-regulated and supervised by the Chartered Institute of Taxation
- Accountant/adviser access on Pro plan with real-time collaboration
- 4.8 stars on Trustpilot (37 reviews); consistently praised for ease of use and customer support
Limitations
- No property management features: no tenant management, rent tracking, HMO tools, or compliance alerts
- No free permanent plan — 30-day trial only; paid plan required for filing
- Not designed for letting agents managing multiple landlord client portfolios at scale
- No dedicated property portfolio dashboard
- Chart of accounts, journal entries, and formal P&L not confirmed
- Pricing is annual subscription (no confirmed free ongoing plan)
- Property income capped at £90k on Lite plan (unlimited on Pro if in MTD)
- Adviser access subject to adviser onboarding at untied's discretion
- Smaller review base compared to more established platforms
Making Tax Digital Compliance
How "untied" Handles MTD for Landlords and Sole Traders
"untied" was the first end-to-end app recognised by HMRC for MTD for Income Tax — a distinction confirmed on the platform's own accountants page. The platform supports all three MTD income types: sole trader income, UK property income, and foreign property income. It covers both the quarterly updates required throughout the year and the full end-of-year final declaration (tax return), all submitted directly to HMRC from within the app.
| Feature | "untied" |
|---|---|
| HMRC Recognised (MTD ITSA) | Yes |
| MTD Quarterly Updates | Yes |
| Final Declaration | Yes |
| Digital Record Keeping | Yes |
| Digital Links Compliant | Yes |
| Sole Trader Income | Yes |
| UK Property Income | Yes |
| Foreign Property Income | Yes |
| Multiple Income Streams | Yes |
| Agent Filing on Behalf | Yes |
Property Management
"untied": Tax Platform Only — No Property Management Features
"untied" does not include property management tools. It is a personal tax and MTD platform focused on recording income and expenses, calculating tax, and filing to HMRC. Tenant management, rent tracking, compliance certificate reminders, HMO unit management, and tenancy document generation are not part of the "untied" product. Landlords who also need property management workflows will need a separate platform alongside "untied".
| Feature | "untied" |
|---|---|
| Property Portfolio Management | No |
| Tenant Management | No |
| Rent Tracking | No |
| Property Expense Allocation | Yes |
| Multiple Property Support | Yes |
| HMO Property Support | No |
| Joint Ownership/Profit Sharing | Yes |
| Maintenance Tracking | No |
| Tenant Screening | No |
| Compliance Document Alerts | No |
| Arrears Tracking | No |
Bookkeeping, Accounting & Digital Record Keeping
"untied": AI-Powered Transaction Tracking with Unlimited Bank Connections
"untied" connects to unlimited bank accounts (the majority of UK banks supported), automatically imports transactions, and allows users to categorise them using rules, AI, or manually. The platform supports automatic or manual data entry, CSV import and export, and real-time tax calculations based on transactions recorded. Users can set rules so that the app automatically learns and categorises recurring transactions over time.
| Feature | "untied" |
|---|---|
| Cash Basis Accounting | Yes |
| Chart of Accounts (Pre-built, Landlord-Tailored) | No |
| Journal Entries | No |
| Bank Reconciliation | Yes |
| Automated Bank Feeds | Yes |
| Open Banking Integration | Yes |
| Double-Entry Bookkeeping | No |
| HMRC Box Pre-Mapping | Yes |
| Xero Integration | No |
| Spreadsheet Import/Export | Yes |
| Digital Record Storage | Yes |
Invoicing, Expense Tracking
"untied": AI Insights, Rule-Based Automation, and Invoicing
"untied" includes built-in "untied AI" — confirmed on the platform homepage — which provides insights and tax optimisation suggestions based on a user's transaction data. Users can set rules to automate income and expense tagging, and the AI learns from these over time. "untied" also supports invoice creation and payment requests, allowing sole traders and landlords to send invoices and chase payments directly from the app. Photo evidence can be uploaded against transactions. Automatic mileage tracking is a confirmed differentiating feature — particularly useful for landlords who travel between properties and wish to claim vehicle expenses.
| Feature | "untied" |
|---|---|
| Invoice Creation & Sending | Yes |
| Invoice Customisation/Branding | No |
| Online Payment Collection | Yes |
| Payment Tracking/Reminders | Yes |
| Expense Tracking | Yes |
| Receipt Capture (OCR/Photo) | Yes |
| Expense Categorisation | Yes |
| Automated Transaction Matching | Yes |
| Mileage Tracking | Yes |
| AI Auto-Categorisation | Yes |
Reporting & Tax Forecasting
"untied": Real-Time Tax Calculation and AI-Driven Insights
"untied"'s reporting centres on real-time personal tax calculation — as transactions are added throughout the year, the platform continuously updates the user's estimated tax liability. "untied AI" generates insights that identify potential tax savings and flag items for review. The platform also highlights tax reliefs the user may be entitled to and optimises these automatically where allowed.
| Feature | "untied" |
|---|---|
| Profit & Loss Report | No |
| Balance Sheet | No |
| Trial Balance | No |
| Dashboard/Overview | Yes |
| Real-Time Financial Data | Yes |
| Cash Flow Reporting | No |
| Tax Estimate/Forecast | Yes |
| AI-Powered Features | Yes |
Collaboration & Mobile Apps
"untied": Collaborative Features
"untied" provides adviser access on its Pro plan, confirmed on the accountants page. Advisers and their clients see the same view within the platform, enabling real-time collaboration. "untied" estimates advisers can generate an increase of £200 per client per year from real-time support, while saving £200 a year in administration. Adviser access is subject to adviser onboarding at untied's discretion, and is restricted to supporting fully paid year-round untied Pro users. "untied" also provides dedicated iOS and Android mobile apps alongside full web browser access — allowing both landlords and their advisers to manage tax from any device.
| Feature | "untied" |
|---|---|
| Accountant/Advisor Portal | Yes |
| Multi-User Access | Yes |
| Agent Filing on Behalf | Yes |
| Bank Integration | Yes |
| Platform | Web, iOS, Android |
| Web Browser Access | Yes |
| FCA Regulated | Yes |
| GDPR Compliant | Yes |
Ease of Use, Support & Security
"untied": Ease of Use
"untied" has built its reputation on simplicity and outstanding customer support. Users on Trustpilot (4.8 stars, 37 reviews) and reviews.co.uk (197 reviews) consistently describe the platform as intuitive, stress-free, and backed by a responsive team — with the CEO (Kevin) personally engaging with user queries in webinars and email support. The platform has been used to file the UK's first fully mobile tax return and was the first to offer integrated payments directly to HMRC, establishing a track record of innovation since its 2018 launch. "untied" is Techstars-backed and recognised by FinTech London. Support is available via email, help centre, and group introduction calls, with one-to-one calls available for paid plan users.
| Feature | "untied" |
|---|---|
| Phone Support | No |
| Chat Support | Yes |
| Email Support | Yes |
| Help Centre/Knowledge Base | Yes |
| FCA Regulated | Yes |
| Enterprise-Grade Security | Yes |
Unique Features Only "untied" Offers
First End-to-End App HMRC-Recognised for MTD for Income Tax
"untied" was the first end-to-end personal tax app to achieve HMRC recognition for Making Tax Digital for Income Tax — confirmed on the platform's own accountants page and widely noted across the MTD software market.
Capital Gains Support (SA108 — Including Crypto)
"untied" supports capital gains tax on all plans, including cryptocurrency disposals. Landlords who have sold a property, shares, or crypto assets can file their complete tax position from a single platform.
Non-Residency and Non-Domicile Support (SA109)
"untied" supports non-UK residents and non-domiciles, including the remittance basis. This is particularly valuable for overseas landlords with UK property income who are not UK residents.
CIS (Construction Industry Scheme) Support
Sole traders working in the construction industry who are also landlords can manage their CIS income and property income from a single "untied" subscription.
Automatic and Manual Mileage Tracking
"untied" logs car and bike mileage automatically or manually, calculating vehicle expense claims in real time. Useful for landlords who travel between properties for management or maintenance purposes.
Pay HMRC Directly from the App
"untied" allows users to pay HMRC directly from within the platform — a confirmed differentiating feature that simplifies the full cycle from record keeping to payment.
Bridging Software Mode
"untied" can be used purely as bridging software for users who prefer to maintain records in spreadsheets, connecting existing records to HMRC's MTD gateway for submission.
Supervised by the Chartered Institute of Taxation
In addition to FCA regulation, "untied" is supervised by the Chartered Institute of Taxation — providing an additional layer of professional oversight for a personal tax platform.
Who Should Choose "untied"?
"untied" is a good choice for:
Landlords with Complex Personal Tax Situations
"untied" is the strongest choice for landlords who also have capital gains (including property disposals or crypto), foreign income, non-resident status, CIS income, multiple PAYE employments, or EIS/SEIS investments — all handled within a single annual subscription.
Sole Traders Who Are Also Landlords
"untied" supports both income streams comprehensively, including all their associated self-assessment supplementary forms, making it ideal for the growing number of people with mixed self-employment and rental income.
Landlords Who Travel Between Properties
Automatic mileage tracking makes "untied" particularly practical for landlords who manage properties in person and want to claim vehicle expenses without a separate mileage app.
Non-Resident Landlords
"untied"'s confirmed support for non-residency (SA109) and the remittance basis makes it one of the few personal tax apps that can handle the complete tax position of a non-UK resident landlord with UK property income.
Landlords Who Want the Simplest Possible App
"untied" has been consistently praised for ease of use and accessibility, even by users who are self-described technophobes. If the priority is a simple, mobile-first experience that files your complete tax return without an accountant, "untied" is a strong option.
Landlords Who Prefer Bridging Software
If you already keep detailed records in Excel or another system and simply want a compliant route to MTD quarterly submissions, "untied"'s bridging software mode allows this at a lower ongoing overhead.
Landlords Using an Accountant Who Wants Real-Time Access
"untied"'s adviser access allows real-time collaboration — the accountant sees the same view as the client, reducing errors and reducing year-end administration.