MTD Software for Self-Employed. Finally, Software That Makes Sense.
From April 2026, self-employed individuals with income over £50,000 must submit quarterly updates to HMRC using MTD-compatible software. Most self-employed people pay accountants £200–£400 per quarter to handle this. RentalBux lets you manage MTD compliance yourself—with software designed specifically for self-employed professionals, not accountants.
Keep digital records that meet HMRC standards. Track every allowable expense. Submit quarterly returns with confidence. Whether you're a sole trader, freelancer, contractor, or self-employed with rental income—handle Making Tax Digital without the accounting jargon or ongoing accountant fees.
Trustindex"I kept putting off dealing with Making Tax Digital. I assumed I'd need to hire an accountant or spend hours learning complicated software. RentalBux changed everything. I photograph receipts on my phone, my bank transactions import automatically, and the software tells me exactly what I can claim. When quarterly submission time comes around, I just review the figures and click submit. The whole process takes 15 minutes. I've already saved over £1,000 in accountant fees this year—and I'm actually claiming more expenses than I ever did with spreadsheets."
James T.
What Our Other Users Say
4.9/5
Average Rating in Trustindex
Making Tax Digital Starts April 2026. Are You Ready?
RentalBux is different. It's Making Tax Digital software for self employed built specifically for self-employed individuals—combining digital record keeping, expense tracking, and HMRC quarterly submissions in one straightforward platform. No accounting degree required.
Making Tax Digital Software for Self-Employed—Simple, Reliable, HMRC-Recognised
RentalBux handles MTD compliance for self employed the way self-employed professionals actually work: simple income and expense tracking, automatic calculations, and straightforward submissions to HMRC.
Everything Self-Employed People Need for Making Tax Digital Compliance
RentalBux covers all HMRC requirements for MTD for Income Tax Self Assessment—without the complexity of traditional accounting software.
Digital Record Keeping (HMRC-Compliant)
Every business transaction is stored digitally as HMRC MTD self employed rules require. Scan invoices, receipts, and bills with your phone—supplier invoices, travel costs, equipment purchases—and RentalBux stores them with the correct expense category. No more paper filing.
Automatic Quarterly Calculations
RentalBux calculates your quarterly self-employment income and allowable expenses automatically—no spreadsheets, no manual adding. View your figures organised by quarter, ready for submission.
One-Click Quarterly Submission to HMRC
Submit self-employed quarterly submissions directly to HMRC through RentalBux. Review your figures, confirm accuracy, and submit. HMRC receives your update instantly, and you get on-screen confirmation.
Smart Expense Categorisation
Unlike generic accounting software, RentalBux understands self-employed expenses. AI-powered categorisation recognises common expense types—materials, travel, equipment, professional subscriptions, home office costs—and assigns them correctly, so you claim every deduction HMRC allows.
MTD Deadline Reminders & Submission History
Never miss a quarterly deadline. RentalBux tracks submission deadlines based on your tax year and sends reminders before each due date. View your complete submission history—what you submitted, when, and your HMRC confirmation.
Bank Feeds and Automation
Connect your business bank account and transactions import automatically. The system learns your spending patterns and categorises expenses intelligently. Review and adjust if needed, but most transactions categorise correctly from day one.
MTD Software for Self-Employed Built for Every Type of Business
RentalBux works for self-employed individuals at every stage—from those just crossing the MTD threshold to established businesses with complex income streams.
Self-Employed Approaching the £50k Threshold
Your income is approaching or has recently crossed £50,000. RentalBux helps you understand Making Tax Digital for self employed, keeps digital records automatically, and makes quarterly submissions straightforward from day one.
Sole Traders
You run your own business as a sole trader. Track all business income and expenses using MTD software for self-employed, send professional invoices to clients, and submit MTD quarterly returns—all from one platform designed for how sole traders work.
Freelancers
You take on multiple clients and projects throughout the year. Manage invoicing, track project expenses, and maintain MTD compliance for self-employed—so you can spend more time on billable work and less on administration.
Contractors
You work on contracts across different clients or industries. Track income by contract, manage CIS deductions if you work in construction, and maintain separate records while submitting combined MTD returns.
Self-Employed with Rental Income
You have self-employment income and rental property income. RentalBux handles MTD software for self employed and property income in one platform—no need for separate subscriptions. Track your trade and your properties together while keeping records properly separated for HMRC.
Self-Employed Wanting to Avoid Accountant Costs
You want to handle MTD compliance yourself without paying £200–£400 per quarter to accountants. RentalBux makes quarterly submissions simple enough to manage independently while keeping you fully compliant.
Self-Employed Working with Accountants
Your accountant handles your year-end tax return, but you want to manage quarterly MTD submissions yourself. RentalBux gives your accountant access to review figures and submit on your behalf when needed using HMRC-approved MTD software for self employed.
How RentalBux Compares to Other MTD Software for Self-Employed
See why self-employed professionals choose RentalBux over spreadsheets and other MTD solutions.
| Feature | RentalBux | Spreadsheets | Generic MTD Software |
|---|---|---|---|
| Built for Self-Employed | Yes |
No |
No (Generic) |
| MTD Compliant | Yes |
No |
Yes |
| HMRC-Recognised | Yes |
No |
Yes |
| Automatic Quarterly Calculations | Yes |
Manual |
Basic |
| Receipt Scanning (OCR) | Included |
No |
Extra Cost |
| AI Expense Categorisation | Included |
No |
Basic |
| Bank Feed Automation | Included |
No |
Extra Cost |
| MTD Deadline Reminders | Yes |
No |
Basic |
| Rental + Self-Employment Combined | Yes |
Manual |
No |
| Accountant Collaboration | Included |
Manual Export |
Extra Cost |
Start Free—See the Difference Yourself
MTD-compliant software built specifically for self-employed. No credit card required.
Get Started FreeMaking Tax Digital(MTD) for Self-Employed
Answers to the most common questions about MTD software for self-employed individuals and Making Tax Digital compliance.
What is Making Tax Digital for the self employed?
Making Tax Digital (MTD) is an HMRC initiative requiring self-employed individuals to keep digital records and submit quarterly updates using compatible software. Instead of one annual tax return, you submit income and expense summaries four times per year, plus a final declaration. Making Tax Digital for self employed aims to reduce errors and give HMRC real-time visibility into tax obligations.
Do self employed people need MTD software?
Yes, if your self-employment income exceeds the MTD threshold (£50,000 from April 2026, £30,000 from April 2027). HMRC requires you to use MTD-compatible software to keep digital records and submit quarterly updates. Spreadsheets alone will not meet compliance requirements—you need software that connects to HMRC systems.
When does Making Tax Digital start for self employed people?
MTD for Income Tax Self Assessment begins in April 2026 for self-employed individuals and landlords with qualifying income over £50,000. From April 2027, the threshold drops to £30,000. Self-employed people below these thresholds are not currently required to use MTD software for self employed, but may choose to do so voluntarily.
Is MTD mandatory for self employed in the UK?
MTD becomes mandatory for UK self-employed individuals with qualifying income over £50,000 from April 2026. This is not optional—failure to comply can result in penalties starting at £100 for late submissions, increasing for repeated non-compliance.
What MTD software is HMRC approved for self employed?
HMRC maintains a list of MTD-compatible software. RentalBux is HMRC-recognised MTD software that meets all requirements for self-employed quarterly submissions, including digital record keeping and direct submission to HMRC systems. Choose software from HMRC's list to ensure compliance.
Can I use spreadsheets for MTD compliance?
Spreadsheets alone are not MTD compliant. While you can use spreadsheets for initial record keeping, you need MTD-compatible software (bridging software) to submit quarterly updates to HMRC. RentalBux includes a spreadsheet import feature to help you transition from spreadsheets to fully compliant digital record keeping.
