Simple record keeping for sole traders and landlords

Making Tax Digital for Income Tax Self Assessment is a UK government initiative that requires sole traders and landlords to keep digital records and submit quarterly income and expense updates to HMRC. Direct submission to HMRC is not currently available through KiTax at this time.

From 6 April 2026, sole traders and landlords with qualifying income over £50,000 must use digital record-keeping tools. The threshold drops to £30,000 from April 2027 and to £20,000 from April 2028. If you earn above these amounts from self-employment or property, you will need to comply with the new rules.

Direct submission to HMRC is not currently available. KiTax is built around the MTD Income Tax rules to help you keep, categorise, and review your digital records so they are ready when you need to submit them elsewhere.

KiTax is a lightweight record-keeping tool, not full accounting software. It does not include payroll, invoicing or VAT features — it focuses entirely on helping sole traders and landlords keep digital records, check their readiness and prepare quarterly figures. Everything is written in plain English.

Yes. KiTax supports multiple income sources in a single account. You can track self-employment income and rental income separately and see a combined tax estimate across all your sources.

No — but it makes life easier. Smart plan subscribers can connect their UK bank account via Open Banking. Transactions import automatically so you do not need to upload CSV files or enter them manually. Your bank credentials are never stored by KiTax — Open Banking is handled securely by TrueLayer.

The record completeness check helps you see whether your quarterly records are complete. It looks at categorised transactions and attached receipts. A score of 100% means nothing is missing from your records. Anything outstanding is listed clearly so you know exactly what to fix.

KiTax has two plans. Free includes digital record keeping, a basic tax estimate, the record completeness check and up to 20 receipts a month. Smart is £9.99 per month (or £99 per year — save £30) and adds automatic bank feeds, AI categorisation, unlimited receipts, properties and income sources, detailed tax breakdowns with PDF and CSV export, and priority support. No hidden fees, cancel anytime.

Yes. KiTax uses encrypted connections (TLS) and stores your data securely in the cloud. We handle personal data in line with UK GDPR. Data is shared only with named service providers who help deliver the service, as detailed in our Privacy Policy. Where you connect to HMRC, that is handled through HMRC's own secure OAuth process — we never see your Government Gateway password.

Absolutely. The free plan lets you keep digital records at no cost for as long as you like. You can upgrade to a paid plan whenever you want bank feeds, AI categorisation and unlimited records. No credit card is needed to get started.

Most users prepare a quarterly review in 15–30 minutes once their transactions are categorised. The record completeness check tells you exactly what is still missing from your records.

Yes. Landlords can track income and expenses across multiple UK properties in one account, and see a combined property profit alongside any self-employment income.

Yes. You can export your transactions and tax summary as CSV or PDF at any time from Settings → Data export. You always own your data.

No. KiTax is written in plain English for sole traders and landlords, not accountants. Step-by-step prompts walk you through digital records, the record completeness check and quarterly reviews.