All software / Starling
Starling
Visit Starling websiteView HMRC listing
Our notes
Starling includes free MTD Income Tax quarterly updates in its sole trader account via Accounting Essentials. End-of-year declarations are 'coming soon', so you need other software for the final declaration today.
Pros
- Free with free sole trader account
- Built into banking app
- Tax estimates and tax Space
Cons
- Final declaration not yet available
- Must bank with Starling
- No agent access
Price
Prices can change without notice, so confirm with the provider before you buy. Spotted an error? Email us.
- Cheapest MTD-capable plan
- Starling sole trader account – Accounting Essentials
- Per month
- Free
- Per year
- Free
- VAT
- n/a
- Notes
- Free with Starling sole trader account. Accounting Plus (VAT) £7/mo until April 2027 then £14/mo.
- Landlord pricing
- included. Categories for business and property expenses; 'Can landlords use Starling's MTD software?' FAQ present.
- Agent/accountant pricing
- no. HMRC: Agent software 'Not included'. Starling has an accountant referral programme.
Really free?
- Quarterly updates free
- yes
- Tax return (final declaration) free
- no – 'End-of-year declarations coming soon' (HMRC lists quarterly updates only)
- Limits
- Quarterly updates only today.
- Bank account condition
- Requires a Starling sole trader account
- Time limit
- None stated
Landlords and spreadsheets
- Jointly owned property
- unknown. No vendor evidence.
- Excel bridging
- n/a
- Google Sheets bridging
- n/a
- CSV import
- n/a
- Bridging notes
- Not bridging software (HMRC listing: bridging 'Not included').
Checked 17 Oct 2026. Sources:www.starlingbank.com
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 | Ready now |
| Bridging software that connects to records | Not included |
| 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 | Ready now |
| 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 | Not included |
| Foreign dividends | Not included |
| Foreign interest | Not included |
| Private pension contributions | In development |
| Construction Industry Scheme | In development |
| Charitable giving | In development |
| Capital Gains | In development |
| 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 | Not included |
|---|---|
| Deafness or impaired hearing | Not included |
| Motor or physical difficulties | Not included |
| Cognitive impairments | Not included |
Platform
| Software type | Web browser |
|---|---|
| Compatible with | Microsoft Windows Mac OS Linux |
| Language | English |