MTD Software Comparisons for Sole Traders
Choosing between Xero, QuickBooks, Sage, and FreeAgent can feel overwhelming. Our comparisons cut through the marketing to show you the real differences that matter for sole traders getting ready for Making Tax Digital.
Xero vs QuickBooks
Both are market leaders with strong MTD support. We break down the key differences in pricing, interface, and features for sole traders.
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Xero vs FreeAgent
FreeAgent is built for freelancers; Xero is built for growth. Find out which wins for your specific situation — especially if you bank with NatWest or RBS.
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QuickBooks vs Sage
A US giant versus a UK-native institution. QuickBooks has more features; Sage has better UK support. We compare both head-to-head for sole traders.
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EducationalFree vs Paid MTD Software
Is there genuinely free MTD software? We explain what HMRC offers, the FreeAgent/NatWest deal, and when paying for software is worth it.
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How to Choose MTD Software
Here is a quick decision framework to help you narrow down your options before diving into the full comparison pages:
If: You bank with NatWest or RBS
Get FreeAgent — it's free with a qualifying business account and covers everything a sole trader needs.
Read the full review →If: You invoice clients regularly and want to grow
Xero is a strong choice — polished invoicing, excellent mobile app, and 800+ integrations for when you scale.
Read the full review →If: You want the most features for your money
QuickBooks offers the widest feature set. The Self-Employed plan is one of the cheapest compliant MTD options available.
Read the full review →If: You value UK-based support above all else
Sage is the only major option with UK-based phone support — worth paying slightly more for peace of mind.
Read the full review →Still not sure? Use our software finder
Answer 3 quick questions about your business and we'll recommend the best MTD software for your situation.