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flonancial
Visit flonancial websiteView HMRC listing
Our notes
flonancial is free browser-based MTD bridging software for straightforward sole traders and UK landlords, reading totals from your own spreadsheet and submitting quarterly updates and the year-end tax return to HMRC.
Pros
- Quarterly updates and year-end tax return free, no subscription or card
- Spreadsheet stays in your browser; only submitted totals are stored
- Accepts .xlsx, .xls, .csv and .ods; free template works in Google Sheets
Cons
- Quarterly flow only for sources below £90,000 (one income and one expenses total)
- UK property residential finance costs (mortgage interest) not supported yet
- No foreign property, and not for agents
Price
Prices can change without notice, so confirm with the provider before you buy. Spotted an error? Email us.
- Cheapest MTD-capable plan
- flonancial (free)
- Per month
- Free
- Per year
- Free
- VAT
- n/a
- Notes
- 'The mandatory aspects of MTD, quarterly updates and the year-end tax return, will always remain free'. May add 'strictly optional paid extras' in future.
- Landlord pricing
- same product. UK property supported as a separate quarterly update; residential finance costs, lease premiums, Rent-a-Room and foreign property not supported.
Really free?
- Quarterly updates free
- yes
- Tax return (final declaration) free
- yes ('It stays free, because you have to do it under MTD')
- Limits
- Quarterly updates only for business or property sources below £90,000 (one income and one ordinary expenses total); residential property finance costs not supported yet.
- Bank account condition
- None
- Time limit
- None ('Free, and not just for the first year')
Landlords and spreadsheets
- Jointly owned property
- unknown. Not mentioned on pages checked.
- Excel bridging
- yes (.xlsx, .xls)
- Google Sheets bridging
- partial (template can be edited in Google Sheets, then uploaded as .xlsx)
- CSV import
- yes
- Bridging notes
- Also accepts .ods. Spreadsheet is parsed in the browser; you pick the cells with turnover and expenses.
Checked 17 Oct 2026. Sources:www.flonancial.co.uk
HMRC listing
What the software provider has told HMRC. “In development” means the provider has committed to building it in time for the 2026 to 2027 tax return.
Features
| Free version | Ready now |
|---|---|
| Agent software | Not included |
| Individual software | Ready now |
| Software that creates digital records | Not included |
| Bridging software that connects to records | Ready now |
| Standard update period (6 April to 5 April) | Ready now |
| Calendar update period (1 April to 31 March) | Not included |
| Making Tax Digital for VAT | Not included |
| HMRC Assist (Submission Feedback) | Not included |
Business income
| Sole trader | Ready now |
|---|---|
| UK property | Ready now |
| Foreign property | Not included |
Other income sources and items
| Employment (PAYE) | In development |
|---|---|
| UK dividends | In development |
| State Pension income | In development |
| Private pension incomes | In development |
| Partner income from a partnership | In development |
| Foreign dividends | In development |
| Foreign interest | In development |
| Private pension contributions | In development |
| Construction Industry Scheme | In development |
| Charitable giving | In development |
| Capital Gains | Not included |
| Student Loan | In development |
| Marriage Allowance | In development |
| Voluntary Class 2 National Insurance | In development |
| High Income Child Benefit Charge | In development |
| UK interest | In development |
Accessibility
| Blindness or impaired vision | Ready now |
|---|---|
| Deafness or impaired hearing | Ready now |
| Motor or physical difficulties | Ready now |
| Cognitive impairments | Ready now |
Platform
| Software type | Web browser |
|---|---|
| Compatible with | Microsoft Windows Mac OS Linux |
| Language | English |