Is FreeAgent the best free MTD software for UK sole traders and landlords in 2026?
VoxaMTD vs FreeAgent — feature by feature
| Feature | VoxaMTD | FreeAgent |
|---|---|---|
| Price for non-NatWest customers | Free | £19–£33/month |
| Open banking with any UK bank | Yes (Finexer FCA FRN 925695) | NatWest / RBS / Mettle / Ulster only |
| AI voice accountant | Yes (Alex on Alex AI tier) | No |
| Section 24 finance-cost handling | Automatic | Manual chart-of-accounts setup |
| Per-property landlord dashboard | Yes | Generic categories only (paid plan) |
| Hybrid sole-trader + landlord in one flow | Yes | Universal plan only (£29/month) |
| HMRC-recognised MTD ITSA | Yes | Yes |
| Free agent portal for accountants | £3 / client / month | Included with paid client plans |
Frequently Asked Questions
Is FreeAgent really free?
FreeAgent is free only if you hold a qualifying NatWest, Royal Bank of Scotland, Mettle, or Ulster Bank business current account. With any other UK bank it is £19/month for the sole-trader plan or £29–£33/month for the Universal plan that includes landlord features.
Can FreeAgent handle MTD ITSA quarterly submissions?
Yes. FreeAgent is HMRC-recognised for MTD ITSA and submits quarterly updates, EOPS, and final declarations directly to HMRC's production APIs.
Does FreeAgent work for landlords?
Limited. The free NatWest plan does not include landlord features — you need the Universal plan at £29/month. Even on Universal, property accounting uses generic categories rather than per-property dashboards, and Section 24 finance-cost handling needs manual setup.
Why pick VoxaMTD over FreeAgent?
If you do not bank with NatWest, VoxaMTD is structurally cheaper because it stays free for any UK bank. If you are a landlord, VoxaMTD's per-property dashboard and automatic Section 24 handling save manual reconciliation. If you are a hybrid earner, VoxaMTD handles sole-trader plus property income in one flow without the £29/month tier.
Can I migrate from FreeAgent to VoxaMTD?
Yes. Export your transactions and chart of accounts from FreeAgent as CSV, import into VoxaMTD, and reconnect your bank via Finexer. A typical migration takes 30–45 minutes.
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Free MTD ITSA submissions, AI categorisation, open banking with any UK bank. No credit card required.
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