Quick answer
Most sole traders and landlords will suit a bookkeeping app with bank feeds, and spreadsheet users can use bridging software. Whatever you choose, check it handles both quarterly updates and the final declaration.
Compare the main types
Type | Best for | Watch out for |
|---|---|---|
Spreadsheet plus bridging software | Simple books and people happy working in spreadsheets | You still have to keep the spreadsheet accurate and linked |
Bookkeeping app with bank feeds | Most sole traders and landlords | Monthly cost, and check it handles the final declaration |
Landlord-focused software | Landlords with several properties | May be weaker if you also have a trade |
Free products on HMRC’s list | Simple affairs with low transaction volumes | Feature limits and eligibility conditions |
Your accountant’s software | People who want it largely done for them | Fees, and you still need to supply records on time |
Questions to ask before you pay
Does it support all my income sources?
Does it do quarterly updates and the final declaration?
Is it on HMRC’s list of compatible software?
Does it connect to my bank?
Can my accountant log in?
What happens to my data if I leave?
What does it cost after any introductory offer?
Where to start
HMRC’s software finder on GOV.UK lets you filter recognised products by feature. Shortlist two or three, try the free trials with a month of real transactions, and pick the one you’ll actually keep up with.