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Tide Logo
Tide Logo
Tide Logo

MAKING TAX DIGITAL SOFTWARE

Making Tax Digital taken care of - for FREE

From April 2026, to stay compliant sole traders & landlords earning over £50k must file five tax updates a year. Tide’s free HMRC recognised software handles them automatically.

Join Tide today, or connect your existing business account from another provider.

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SMEs trust Tide

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What is Making Tax Digital?

What is Making Tax Digital?

Making Tax Digital (MTD) for income tax is HMRC’s programme to move the UK tax system fully online. 

Instead of filing one annual self-assessment return, businesses will need to keep digital records and submit tax updates using HMRC-approved MTD software. 

Sole traders and landlords with an income of over £50,000 will be affected from April 2026, while this will extend to those earning £30,000 from April 2027.

You run your business. Tide sorts your tax.

Without the right Making Tax Digital software for income tax, you’re looking at hours of extra admin, accounting bills and potential HMRC penalties. Whether you are a sole trader or a landlord, Tide will take care of it.

Transactions are recorded and categorised automatically, in real-time

Tax submissions are handled quarterly and filed directly to HMRC

Your Final Declaration is prepared by Tide, reviewed by you, then submitted

Get MTD-ready

Free MTD software that makes compliance simple

Free MTD software that makes compliance simple

  • Generate your Self Assessment form with tax estimates

  • Get a linked Tax Account to put money aside for payments

  • File your returns to directly to HMRC via the Tide app

  • Auto-categorise and capture receipts for instant bookkeeping

 Get MTD-ready

We've built our MTD tools to work with you

Open a free Tide business account

Get your Tide account set up in minutes and unlock our free MTD tools

Connect an existing bank account via Open Banking

Bring your banking data to Tide and we’ll handle your MTD submissions

Got accounting software? Connect it to Tide

Pull in all your transactions, and unlock a suite of tools built for you

 Everything sole traders need. Nothing they don’t.

Free and fast set-up

Open an account with no monthly fees or hidden charges – in minutes.

An account that moves with you

Run your business from anywhere and access everything you need on your phone.

Get paid on your own terms

Stay flexible with custom invoices, Tap to Pay, Digital Wallets and more.

Tax and accounting sorted

Built-in accounting and free MTD tools balance the books with ease.

Support on hand 24/7 

Get help whenever you need it from our dedicated team of real people.

Security you can bank on 

Enjoy peace of mind with FSCS protection for your eligible deposits up to £120,000.

 Get MTD-ready

Join over 2 million small business owners worldwide

What members say about Tide

Charlotte Davitt-Mills
Shotley Vineyard

"Tide works in harmony with your business. It's really user friendly and it's there alongside you kind of every step of the way, helping you grow your business."

Matt Herd
Beaucroft Watches

"Everything became digital, and Tide just made it so easy. Everything was easy to set up. We didn't need tremendous amounts of paperwork or history to set up an account."

Aaron Mo
Ong Ong Buns

"With the help of Tide and their team of business finance experts, I was able to navigate the complexities of business finance, and secure the necessary funds to grow my business."

Ismail Uddin
NYAS Studio

"We were just in Portugal last week where we were having to make some payments and pay invoices, and I was just doing it from my phone on the beach...that was good."

Learn more about Making Tax Digital

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Frequently Asked Questions on Making Tax Digital

MTD for Income Tax will apply to sole traders and landlords with income over £50,000 from April 2026, and those with income over £30,000 from April 2027.

Yes, Tide provides free, HMRC-recognised MTD tools for members, including digital record-keeping, quarterly updates, and direct filing to HMRC through the Tide app.

You'll need to keep digital records of all income and expenses, submit quarterly updates to HMRC via MTD software, and finalise your income tax with a Final Declaration.

Tide's MTD tools allow you to connect your business bank account seamlessly, auto-categorise transactions, capture receipts, generate Self Assessment forms with tax estimates, and file returns directly to HMRC via the app.

Yes, Tide's HMRC-recognised software supports VAT returns through MTD, along with the upcoming MTD for Income Tax requirements.

We understand businesses, it's all we do

Tide is built by business owners for business owners. That’s why we’re trusted by over 2 million sole traders, freelancers, and limited companies worldwide.

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Tide | Do what you love.
Tide Platform Limited (Tide) designs and operates the Tide website and app. Tide is not a bank. Tide is authorised by the Financial Conduct Authority (FCA) under the Electronic Money Regulations 2011 under firm reference number 900843 for the issuing of electronic money and the provision of payment initiation services and account information services under the Payment Services Regulations 2017. Tide is also authorised and regulated by the Financial Conduct Authority in relation to its credit and insurance broking activities (firm reference 718743). Tide is incorporated and registered in England and Wales with company number 09595646 and registered office at 4th Floor The Featherstone Building, 66 City Road, London, EC1Y 2AL. Tide offers bank accounts powered by ClearBank® Ltd (ClearBank) (account sort code is 04-06-05). ClearBank is authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority under registration number 754568. Eligible deposits with ClearBank are protected up to a total of £120,000 by the Financial Services Compensation Scheme (FSCS), the UK's deposit guarantee scheme. For further information visit Home. ClearBank Ltd is authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority (Financial Services Register number: 754568). Registered Address: ClearBank, Level 27, The Broadgate Tower, 20 Primrose Street, London, United Kingdom, EC2A 2EW. Eligible deposits held in the Tide Business Current Account (powered by ClearBank) are covered by the Financial Services Compensation Scheme (“FSCS”) subject to eligibility. All eligible deposits at the same bank are aggregated to determine the coverage level for each depositor up to £120,000, therefore if you have any other product/services with ClearBank these will be aggregated. To find out more and to check your eligibility please visit: About us . Some of Tide’s members also hold e-money accounts powered by PrePay Technologies Limited (PPT) (account sort code is 23-69-72). PPT is an electronic money institution authorised by the FCA under the Electronic Money Regulations 2011 under firm reference number 900010 for the issuing of electronic money. PPT holds an amount equivalent to the money in Tide current accounts in a safeguarding account which gives members protection against PPT’ insolvency. Tide Cards may be issued by both Tide and PPT, who are licensed by Mastercard International for the issuance of cards. The issuer of your Tide card will be identified on your monthly card statement. Tide Capital Limited is an appointed representative of P1 Investment Services Limited which is authorised and regulated by the Financial Conduct Authority under firm reference number 752005 to carry out such regulated activities as are involved in the provision of Tide Investment Account. Seccl Custody Limited is the custodian of assets held in Tide Investment Account and is authorised and regulated by the Financial Conduct Authority (firm reference number 793200) and registered in England and Wales under No. 10430958. Registered office 20 Manvers Street, Bath BA1 1JW. Tide, the Tide logo, the Swell, and Do Less Banking are trademarks and trade names of Tide Platform Limited, and may not be used or reproduced without the consent of the owner.