Head-to-head
MTD ITSA software comparisons
Straight-verdict comparisons for the most common MTD ITSA software decisions — all tools verified against the GOV.UK software finder.
FreeAgent wins on design and accountant support. QuickFile wins if you need truly free software and have no NatWest account. Both are genuinely good HMRC-recognised MTD ITSA options.
Sage wins for CIS subcontractors and multi-property landlords. QuickBooks wins for solo freelancers and service businesses who want a modern, easy UI. Both are fully HMRC-recognised for MTD ITSA.
Sage wins for CIS subcontractors and landlords. Xero wins for businesses that need deep reporting and a large accountant ecosystem. Both are fully HMRC-recognised for MTD ITSA.
FreeAgent wins for most sole traders — it is purpose-built for UK self-employment, free with NatWest, and covers all MTD ITSA requirements at a lower price than Xero. Xero wins for complex businesses and users whose accountant requires it.
Xero wins on reporting depth and accountant ecosystem. QuickBooks wins on UI simplicity and entry-level pricing. For MTD ITSA compliance alone, both are equivalent — choose based on your accountant's preference or try both free trials.
Zoho Books wins on value — free plan and £12/month Standard undercut FreeAgent's £19/month. FreeAgent wins if you bank with NatWest (making it free) or if you want the best tax deadline UI.