Free UK readiness check

Know when MTD applies to you.

A clear, 60-second check for sole traders and landlords. See your likely deadline, what to do next, and which software route fits.

See the rules in plain English

FreeNo signupBased on HMRC guidance

60-sec check

Your answers stay on this device.

Which best describes you?

Have you submitted a Self Assessment return?

2024/25 qualifying incomeTurnover before expenses

2025/26 qualifying incomeLeave blank if not known

2026/27 expected incomeBest estimate is fine

How do you keep records today?

I may be digitally excluded or otherwise exempt

Estimate only—not tax or legal advice. HMRC makes the final decision.

The rules, simplified

Three thresholds. One figure that matters.

Qualifying income means your combined gross turnover from self-employment and property, before expenses, from the relevant previous tax return.

Over £50,000 in 2024/25

Start 6 April 2026

Over £30,000 in 2025/26

Start 6 April 2027

Over £20,000 in 2026/27

Start 6 April 2028

Thresholds are strictly “over,” not “equal to.” Last checked against HMRC guidance: 23 July 2026.

The commercial bit, honestly

Choose software for the way you already work.

QuarterReady may earn a commission if you later use a marked partner link. That never changes your price or your result.

Good all-rounder

Xero

For growing sole traders who want invoicing, bank feeds, an accountant-friendly workflow, and room to scale.

Explore Xero

Freelancer friendly

FreeAgent

For freelancers, contractors, and small landlords who want UK-focused bookkeeping and tax tools in one place.

Explore FreeAgent

Compare everything

HMRC software finder

Use the official list to filter free and paid compatible products, including bridging tools for spreadsheets.

Open official finder

Affiliate disclosure: links marked as commercial may generate revenue for QuarterReady. We do not sell your data and the checker is independent of providers.

Useful answers

Before you make a decision.

What counts as qualifying income?

Your total gross income from sole-trader businesses and UK or foreign property, before expenses. Employment income and partnership profit shares are not included in this threshold calculation.

Do I send four extra tax returns?

No. Quarterly updates are summaries of income and expense categories from your digital records. You still finalise your tax position and submit your tax return through compatible software.

What if I use a spreadsheet?

You may be able to keep your spreadsheet and use compatible bridging software, provided the required digital links are maintained. Check the official HMRC software finder.

Can I be exempt?

Possibly. HMRC may grant exemptions for digital exclusion and certain other circumstances. An exemption is not automatic; use the official checker or contact HMRC.

Deadlines feel lighter when they’re known.