UK Self Assessment · Making Tax Digital

File your tax return directly with HMRC.
With or without an accountant.

Connect your bank. Answer a few quick questions. Submit. The seven most common income types covered — from self-employment to pensions, capital gains to overseas income.

🔒 Unlike other tax apps, we never see your financial data. It's locked on your device before it reaches us — nobody at MTDPERSONAL can read your numbers.

🎯 7 most common SA income types 🔒 Zero-knowledge encrypted 🏛 Direct HMRC filing 📅 Built for MTD
30-second check · Step 1 of 3
Are you self-employed, freelance, or a sole trader?
30-second check · Step 2 of 3
Do you receive rental income from property — UK or overseas?
30-second check · Step 3 of 3
Roughly what's your combined turnover from these, before expenses, in the last full tax year?
Your result
✓ Thank you — we'll be in touch before we launch.

No spam. One email when we launch.

⚠ MTD for Income Tax is already in force. If your self-employment and property income (before expenses) was over £50,000 in 2024–25, you should already be sending HMRC quarterly updates digitally. The threshold drops to £30,000 in April 2027 and £20,000 in April 2028.
The product

One product. Seven income types. Genuinely private.

MTDPERSONAL is being built to cover the seven most common Self Assessment income types in one place — and to never read your financial data. (Partnership and trust income are not covered.)

🎯
Direct to HMRC
Connect your bank. MTDPERSONAL sorts your transactions automatically and submits directly to HMRC — quarterly and annually. No separate software. With or without an accountant.
📊
7 most common income types
Self-employment, rental income, employment, savings and dividends, pension income (SSAS, SIPP, State Pension), capital gains, and overseas income — all in one place.
🔒
Zero-knowledge privacy
Your data is encrypted on your device before it reaches us. We store only the locked result — we cannot read it. Not a policy. An architectural fact about how the product works.
SA103Self-employment income
SA105Rental property income
SA102Employment alongside other income
SA100Savings interest & dividends
SA100 · PensionSSAS, SIPP & State Pension
SA108Capital gains
SA106Overseas income & pensions
Security

Your financial data belongs to you — and only you.

Most tax software stores your financial information in a form the provider can read. MTDPERSONAL is built differently. We store only the locked version. Even if our systems were ever breached, there would be nothing readable to take.

🔑
Encrypted on your deviceYour data is locked before it leaves your phone or computer — using AES-256 encryption.
🚫
We cannot read your dataThe key stays with you. We hold only ciphertext we have no ability to open. Not a promise — a technical impossibility.
🏛
HMRC receives only what it needsOnly the required aggregate figures are submitted — not individual transactions or personal records.
🤝
Optional trusted contact recoveryIf you ever lose access, a nominated person can recover your vault — after a waiting period you control.
How it works

Five steps. One submission. Done.

Designed for people who know their own income but shouldn't need an accountant just to report it to HMRC.

1
Answer a few quick questions
Tell us which income types you have. MTDPERSONAL configures itself automatically — no accounting knowledge required.
2
Connect your bank
Read-only access via Open Banking — your bank's own website handles the login. We see your transactions, never move your money.
3
Your transactions sort themselves
AI running on your own device identifies and categorises your income and expenses. You review and correct anything it missed.
4
Upload any documents
P60s, pension statements, savings platform summaries. MTDPERSONAL reads the figures on your device, encrypted, so you don't have to type them in.
5
Submit directly to HMRC
Review your figures and tap submit. Quarterly updates and your annual return go straight to HMRC — no other software, and an accountant only if you want one.
Where we are

MTDPERSONAL Ltd was incorporated in May 2026.

✓
May 2026
Company formed · Product designed · Technical spec complete
✓
2026
HMRC connection proven · SEIS approved · Trade mark registered
→
2027 – mid 2028
CTO hired · Product built · Security audit · Beta programme
🚀
July 2028
Public launch for all UK SA filers

Be first to know when we launch.

We are building MTDPERSONAL for the 9.4 million Self Assessment filers whose income isn’t covered by today’s MTD software. Leave your email and we'll reach out before public launch.

✓ Saved. We'll be in touch before we launch — thank you.

No spam. One email when we launch. Unsubscribe any time.