All software / SumUp Accounting
SumUp Accounting
Visit SumUp Accounting websiteView HMRC listing
Our notes
SumUp's MTD for Income Tax tool works inside the SumUp dashboard and is built on embedded Sage accounting technology. It is aimed at sole traders who already take payments or bank with SumUp.
Pros
- Described as 'Free for MTD for Income Tax' with no subscription
- SumUp Business Account not required; other banks via CSV import
- SumUp payments, invoices and expenses feed in automatically
Cons
- Tax return (final declaration) filing through SumUp not confirmed on the MTD page
- UK and foreign property 'Not included' on HMRC listing
- MTD page still describes the tool as being built ('SumUp''s building a free, simple way')
Price
Prices can change without notice, so confirm with the provider before you buy. Spotted an error? Email us.
- Cheapest MTD-capable plan
- SumUp MTD for Income Tax
- Per month
- Free
- Per year
- Free
- VAT
- n/a
- Notes
- MTD page: 'Free for MTD for Income Tax: We believe basic tax compliance shouldn't come with a subscription.' The general pricing page does not list MTD.
- Landlord pricing
- unknown. The MTD page mentions landlords only when describing who MTD applies to; HMRC lists UK and foreign property as 'Not included'.
Really free?
- Quarterly updates free
- yes ('Submit income tax self-assessment updates in just a few taps'; 'Free for MTD for Income Tax')
- Tax return (final declaration) free
- unknown (page says 'You'll still submit your final tax return and pay any tax due by 31 January, just like you do today' without saying it can be done in SumUp)
- Limits
- Self-employment only per HMRC listing; no usage limits stated.
- Bank account condition
- None (FAQ: 'you can import a CSV file with the transactions from your bank'); submissions are made from a SumUp dashboard, so a SumUp account is needed
- Time limit
- None stated
Checked 17 Oct 2026. Sources:www.sumup.com, www.sumup.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) | Ready now |
| Making Tax Digital for VAT | Not included |
| HMRC Assist (Submission Feedback) | Not included |
Business income
| Sole trader | Ready now |
|---|---|
| UK property | Not included |
| Foreign property | Not included |
Other income sources and items
| Employment (PAYE) | In development |
|---|---|
| UK dividends | In development |
| State Pension income | Not included |
| 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 | Not included |
| Student Loan | In development |
| Marriage Allowance | In development |
| Voluntary Class 2 National Insurance | Not included |
| High Income Child Benefit Charge | Not included |
| 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 |