Pandle
Free cloud bookkeeping with built-in MTD submission.
by Pandle
One of the strongest free options — if the free plan covers you, there's little reason to pay.
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Overview
Pandle is UK cloud bookkeeping software with a genuinely free, unlimited tier. HMRC-recognised for MTD Income Tax — you keep digital records and submit quarterly updates directly, with no bridging tool needed. The paid Pro tier adds bank feeds and cash-flow forecasting.
Free tier
Pandle's free plan is unlimited — invoicing, payment reminders, business reports and MTD Income Tax submission included.
+Pros
- ✓Genuinely free, unlimited tier with MTD submission included
- ✓Submits straight to HMRC — no bridging tool needed
- ✓Clean and beginner-friendly
−Cons
- ✕Bank feeds and forecasting need the paid Pro tier
- ✕Less powerful than Xero or QuickBooks for growing businesses
Pandle — frequently asked questions
Is Pandle free?+
Yes. Pandle has a genuinely free, unlimited plan that includes invoicing, payment reminders, business reports and MTD Income Tax submission. The paid Pandle Pro tier adds bank feeds, receipt uploads and cash-flow forecasting.
Is Pandle HMRC-recognised for MTD?+
Yes. Pandle is HMRC-recognised for MTD Income Tax. You can keep digital records in Pandle and submit quarterly updates straight to HMRC — no separate bridging software required.
Does Pandle need bridging software?+
No. Pandle submits directly to HMRC through its built-in HMRC integration, so you don't need a separate bridging tool.
What are the alternatives to Pandle?+
Other free options include QuickFile (free under 1,000 transactions a year), Clear Books' free tier and HMRC's own free tool. Pandle's closest match is QuickFile — both are UK-built with a strong free tier.