Is Sage Accounting the right MTD ITSA tool for UK sole traders in 2026?
VoxaMTD vs Sage — feature by feature
| Feature | VoxaMTD | Sage |
|---|---|---|
| Free tier scope | Sole trader + landlord + hybrid | Sole trader only (Sage Sole Trader Free) |
| Landlord support | Yes (per-property) | Not in free tier |
| Section 24 automatic handling | Yes | Manual |
| AI voice accountant | Yes (Alex) | No |
| Open banking with any UK bank | Yes (Finexer) | Yes |
| Hybrid sole-trader + landlord | One flow | Requires paid plan + manual mapping |
| HMRC-recognised MTD ITSA | Yes | Yes |
| Free agent portal | £3 / client / month | Sage for Accountants tiers |
Frequently Asked Questions
Is Sage free for MTD ITSA?
Sage Sole Trader Free is free for sole traders only. Landlord income is not supported on the free tier — you would need Sage Accounting at £30/month for property tracking, with manual Section 24 setup.
Can Sage submit MTD ITSA quarterly updates?
Yes. Sage is HMRC-recognised and submits quarterly updates, EOPS, and final declarations to HMRC.
Does Sage handle Section 24 for landlord clients?
Sage does not automate Section 24. Mortgage interest is tracked as an expense category and the 20% finance-cost credit is applied manually at year-end.
Why pick VoxaMTD over Sage for individual MTD ITSA?
If you are a landlord or a hybrid earner, VoxaMTD covers your scenario free; Sage's free tier does not. If you want a built-in AI accountant for tax questions, VoxaMTD includes Alex (Alex AI tier). Sage remains stronger for VAT-registered limited companies.
How do I migrate from Sage to VoxaMTD?
Export your transactions and chart of accounts from Sage as CSV, import into VoxaMTD, and reconnect your bank via Finexer. Most migrations take under 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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