Margin is the MTD operating system for sole traders and landlords. Quarterly updates, EOPS, and Final Declarations filed directly to HMRC — with auto-filing, smart reminders, and a full cockpit for every income source.
✓ No credit card required · ✓ Direct HMRC submission · ✓ From £14.99/month
HMRC Making Tax Digital (MTD) compliant
Submit VAT returns, ITSA quarterly updates, and RTI payroll directly to HMRCFrom April 2026, self-employed individuals and landlords earning over £50,000 are required to file quarterly updates directly to HMRC using compatible software. The £30,000 threshold follows in April 2027. This is not optional — and the clock is already ticking.
Margin handles every MTD requirement — quarterly ITSA updates, VAT returns under MTD for VAT, RTI payroll submissions, and full digital record keeping. All built in, no add-ons.
Read the complete MTD for Income Tax guide →Margin brings your entire financial operation into a single, beautifully designed system.
Create professional invoices and quotes with automatic VAT, sequential numbering, email delivery, and a customer payment portal.
Import bank statements via CSV or connect via Open Banking. Auto-match transactions and categorise with one click.
Calculate your VAT boxes automatically and submit directly to HMRC via Making Tax Digital. No bridging software needed.
Submit quarterly ITSA updates, End of Period Statements, and Final Declarations directly to HMRC. Multi-source cockpit tracks every income stream. Auto-filing runs at 08:00 each morning so you never miss a deadline — with built-in HMRC error recovery guides for every error code.
Run payroll with PAYE, NI, and pension calculations. Submit Full Payment Submissions to HMRC and generate payslips and P60s.
P&L, balance sheet, cash flow, aged debtors, trial balance, and custom report builder — all with date ranges and CSV export.
Auto-categorise transactions using 40+ merchant pattern rules with confidence scoring. AI anomaly scan flags duplicates, unusually large amounts, and high-value uncategorised items — before they affect your filing.
Track supplier bills through their full lifecycle, link to purchase orders, and manage supplier relationships in one place.
Track stock movements with AVCO and FIFO valuation, reorder alerts, and full stock take functionality.
Log billable hours against projects and customers. Convert time entries directly into invoice line items.
Connect real bank accounts via TrueLayer Open Banking. Transactions sync nightly automatically — no more CSV uploads or manual entry.
See your projected Income Tax and NI bill in real time — annualised from your actual YTD figures. Tap "Why this amount?" for a full waterfall breakdown of every allowance and band applied. Know exactly how much to set aside each month.
Pull sales directly from Stripe, PayPal, Shopify, and Etsy via API or CSV. Platform fees posted as separate expense transactions automatically.
File statutory accounts (FRS 105 micro-entity or FRS 102) directly to Companies House via REST API. iXBRL generated automatically from your ledger.
REST API with Bearer token auth. Read and write transactions, invoices, customers, and MTD status from your own apps and automations.
Margin tracks every MTD ITSA quarter, VAT period, document expiry, and payroll run. Reminders escalate from info to warning to urgent as deadlines approach — so nothing slips through.
A 3-step setup wizard gets you from zero to filing-ready in under 3 minutes. Enter your company details, choose your income type (self-employed or property), and connect to HMRC — all in one flow.
Sync sales and payments automatically, or import a CSV. Margin handles the bookkeeping either way.
Amazon, eBay, NOTHS, Big Cartel, Woo Commerce — CSV import available for all platforms
No accountant needed to get started. Margin guides you through setup and keeps your books clean from day one.
Enter your company details, VAT number, and bank account. The onboarding wizard takes less than 3 minutes.
Import a CSV or connect via Open Banking for automatic nightly transaction sync. Rules categorise everything for you.
Send invoices, reconcile transactions, and submit MTD VAT and ITSA quarterly updates to HMRC — all from one dashboard. Enable auto-filing and Margin handles submissions each morning.
Margin uses AI to handle the tedious parts of bookkeeping — so you can focus on running your business.
Cash flow alert: Based on your recurring bills and outstanding invoices, you may face a shortfall of £3,200 in 6 weeks. Consider chasing 3 overdue invoices totalling £4,800.
Amazon Web Services → Software & Cloud 100% confidence · VAT 20% · 1 click to accept
Possible duplicate: ACME Supplies £4,200 appears on 14 Aug and 16 Aug — 2 days apart. Review before reconciling.
Margin works differently depending on who you are. Dedicated features for landlords and a full partner programme for accountants.
MTD ITSA is already mandatory for landlords earning over £50k from April 2026, with the £30k threshold following in April 2027. Margin handles rent import from PayProp, Arthur Online, Hammock, and OpenRent — with multi-source cockpit, auto-filing, and one-click HMRC submission.
The Accountant plan gives you a dedicated practice dashboard to manage all your clients from one place. Invite clients with a 7-day secure link, review their books in accountant mode, and export year-end packs with one click.
No per-feature add-ons. No hidden fees. Start on Free forever, or upgrade to unlock MTD filing and Open Banking.
For individuals getting started with their books.
forever — no credit card needed
Upgrade any time
For small businesses, sole traders, and freelancers.
per month, billed monthly
✓ 14-day free trial — no card needed
Manage multiple clients from one portal.
per month, billed monthly
✓ 14-day free trial — no card needed
Questions? Email us at hello@getmargin.co.uk
The Margin companion app lets you photograph receipts the moment you get them. AI extracts the amount, date, supplier and category — one tap and it's in your books.
On an iPhone? The iOS app is on its way. In the meantime you can still photograph receipts with your iPhone camera and upload the image directly in the Margin desktop app — AI will extract all the details for you, just like the mobile app does.
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