MTD certainty, not just accounting software
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 HMRCMaking Tax Digital for Income Tax
has already started.
From 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 →Replace five tools with one
Margin brings your entire financial operation into a single, beautifully designed system.
Invoicing & Quotes
Create professional invoices and quotes with automatic VAT, sequential numbering, email delivery, and a customer payment portal.
Bank Reconciliation
Import bank statements via CSV or connect via Open Banking. Auto-match transactions and categorise with one click.
MTD VAT Returns
Calculate your VAT boxes automatically and submit directly to HMRC via Making Tax Digital. No bridging software needed.
MTD ITSA Filing
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.
Payroll & RTI
Run payroll with PAYE, NI, and pension calculations. Submit Full Payment Submissions to HMRC and generate payslips and P60s.
Reports & Analytics
P&L, balance sheet, cash flow, aged debtors, trial balance, and custom report builder — all with date ranges and CSV export.
AI Bookkeeper
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.
Supplier Bills & POs
Track supplier bills through their full lifecycle, link to purchase orders, and manage supplier relationships in one place.
Stock & Inventory
Track stock movements with AVCO and FIFO valuation, reorder alerts, and full stock take functionality.
Time & Projects
Log billable hours against projects and customers. Convert time entries directly into invoice line items.
Open Banking
Connect real bank accounts via TrueLayer Open Banking. Transactions sync nightly automatically — no more CSV uploads or manual entry.
In-Year Tax Estimate
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.
Marketplace Sync
Pull sales directly from Stripe, PayPal, Shopify, and Etsy via API or CSV. Platform fees posted as separate expense transactions automatically.
Companies House Filing
File statutory accounts (FRS 105 micro-entity or FRS 102) directly to Companies House via REST API. iXBRL generated automatically from your ledger.
Developer API
REST API with Bearer token auth. Read and write transactions, invoices, customers, and MTD status from your own apps and automations.
Smart Deadline Reminders
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.
Guided Onboarding
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.
Connects to the tools you already use
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
Up and running today
No accountant needed to get started. Margin guides you through setup and keeps your books clean from day one.
Set up your company
Enter your company details, VAT number, and bank account. The onboarding wizard takes less than 3 minutes.
Connect your bank
Import a CSV or connect via Open Banking for automatic nightly transaction sync. Rules categorise everything for you.
File & stay compliant automatically
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.
Your AI bookkeeper, always on
Margin uses AI to handle the tedious parts of bookkeeping — so you can focus on running your business.
- 40+ merchant pattern rules with confidence scoring — accept in one click
- Anomaly scan flags duplicates, large outliers, and uncategorised high-value items
- Draft invoices for returning customers based on previous orders
- Plain-English cash flow insights and 12-month forecasts
- Scan receipts — AI extracts amount, date, supplier, and category automatically
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.
Whether you file for yourself or manage clients
Margin works differently depending on who you are. Dedicated features for landlords and a full partner programme for accountants.
For Landlords
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.
- ✦Import rent from letting agent platforms via CSV
- ✦Multi-property ITSA cockpit — track every source at a glance
- ✦Auto-filing submits quarterly updates on schedule
- ✦Rental income is NI-exempt — we calculate it correctly
For Accountants
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.
- ✦Practice dashboard with cross-client overview
- ✦Client invite links with 7-day expiry
- ✦Accountant mode with clear client-view banner
- ✦Year-end export pack — P&L, payroll, invoices ZIP
Three plans. Start free.
No per-feature add-ons. No hidden fees. Start on Free forever, or upgrade to unlock MTD filing and Open Banking.
Free
For individuals getting started with their books.
forever — no credit card needed
Upgrade any time
- Unlimited transactions, invoices & expenses
- Customer records & supplier bills
- P&L reports & cash flow forecasting
- Bank reconciliation (manual import)
- VAT tracking & return history
- Basic payroll & payslips
- Document storage & receipt uploads
Standard
For small businesses, sole traders, and freelancers.
per month, billed monthly
✓ 14-day free trial — no card needed
- MTD ITSA quarterly updates, EOPS & Final Declaration
- Auto-filing & smart deadline reminders
- MTD VAT returns submitted to HMRC
- Unlimited invoices, quotes & bills
- Open Banking (TrueLayer) & bank reconciliation
- AI bookkeeper — confidence-based categorisation & anomaly scan
- Payroll, P60, payslips & RTI to HMRC
- Cash flow forecasting & in-year tax estimate
- Marketplace sync (Stripe, PayPal, Shopify, Etsy)
- Developer API & webhook support
- Android receipt app — iOS coming soon
- Up to 3 team members
Accountant
Manage multiple clients from one portal.
per month, billed monthly
✓ 14-day free trial — no card needed
- Everything in Standard
- Dedicated accountant dashboard & KPIs
- Accountant portal with client invite links
- Year-end export pack (P&L, payroll, invoices ZIP)
- Accountant-mode banner for client visibility
- Read-only access for clients to review
- Priority email support
- Unlimited clients (separate company databases)
Questions? Email us at hello@getmargin.co.uk
Scan receipts on the go
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.
- Point, shoot — AI fills in all the details
- Works offline — syncs when you're back online
- Monthly dashboard & overdue invoice alerts
- Same login as the desktop app
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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