Turn your bank statement into your MTD and Self Assessment figures
Drop in the CSV from your business bank account. MTD Totals sorts every transaction into HMRC's expense categories and gives you the cumulative quarterly totals for Making Tax Digital, plus your full-year Self Assessment figures. Built for UK sole traders and landlords.
- Works with any UK bank's CSV
- Nothing is uploaded: it runs in your browser
- No account, no bank connection
- £9 once, no subscription
Add your bank statement
From bank export to HMRC figures in about 10 minutes
Most sole traders and landlords already have everything HMRC needs: it's sitting in their bank account. The slow part is sorting hundreds of transactions into the right categories and adding them up for each quarter. MTD Totals does that part.
Export a CSV from your bank
Every UK bank and app lets you download transactions as a CSV. Add one file or several, for example a business account and a credit card. Duplicates are skipped automatically.
Check the auto-sorted categories
Fuel, materials, phone bills, agent fees, mortgage interest and more are recognised automatically. Fix the rest in a click, with one click to apply a category to every payment to the same payee. Your choices are remembered next quarter.
Copy your totals into HMRC
You get cumulative quarterly totals for your MTD update and the full-year figures for your Self Assessment return. Download your categorised records as a CSV to keep as digital records, or for bridging software or your accountant.
Built for UK sole traders and landlords who use spreadsheets, not accounting software
Sole traders and the self-employed
Trades, cleaners, consultants, drivers, creatives, online sellers. Your bank lines are sorted into the self-employment expense categories HMRC uses for MTD and the full self-employment pages (SA103): cost of goods, car, van and travel, phone and office, advertising, professional fees, bank charges and the rest. Entertaining and equipment purchases are flagged as not allowable, so you don't claim them by mistake.
Landlords
Rent comes out as income. Letting agent fees, insurance, ground rent, repairs and safety certificates go to the right UK property (SA105) category. Residential mortgage interest is kept separate, because it gets a 20% tax credit and isn't deducted as an expense. Got rental income and self-employment? Tick both and you get two separate sets of totals, as MTD requires.
Making Tax Digital for Income Tax: the dates that matter
Since 6 April 2026, sole traders and landlords with qualifying income over £50,000 must keep digital records and send HMRC a quarterly update. Each update is cumulative: it covers the tax year so far, not just the latest three months. That's exactly how MTD Totals lays out your figures.
Not in MTD yet? You still need these figures for your Self Assessment return, due 31 January. MTD Totals gives you the full-year totals by category, ready to type into your online return.
One price. No subscription.
Pay once. Use it every quarter and every tax year.
- Unlimited statements
- MTD and Self Assessment
- CSV exports
Sorting and checking your transactions is free. You only pay to see every total and download your records. If it can't read your bank's CSV, email us within 30 days for a full refund.
| MTD Totals | Accounting software | DIY spreadsheet | |
|---|---|---|---|
| Cost | £9 once | Monthly or yearly subscription | Free, plus your evenings |
| Bank connection needed | No | Usually | No |
| Your data leaves your device | Never | Yes, stored on their servers | No |
| Sorts transactions for you | Yes, and learns your choices | Yes | No, line by line |
| Cumulative MTD quarter totals | Yes | Yes | Build the formulas yourself |
| Submits to HMRC | No: copy totals into HMRC-recognised software | Yes | No |
Questions
Is MTD Totals HMRC-recognised software? Does it submit my quarterly update?
No. MTD Totals is a bookkeeping aid: it turns your bank transactions into categorised totals. To file, put those totals into HMRC-recognised MTD software. If you keep your records in a spreadsheet, that means bridging software. Some recognised options are free. You can download your categorised transactions as a CSV and keep them as your digital records.
Is my bank data uploaded anywhere?
No. The file is read and processed entirely inside your web browser. Nothing about your transactions is sent to us or anyone else. The only thing that touches the internet is the licence-key check when you unlock.
Which banks does it work with?
Any bank or card that exports CSV. That includes Monzo, Starling, Tide, Barclays, HSBC, Lloyds, Halifax, NatWest, RBS, Santander, Nationwide, Metro, Revolut, Wise, Amex and credit cards. If we can't detect the columns automatically, you pick them from a list. PDF statements can't be read, so download the CSV version from your online banking.
What are allowable expenses for the self-employed?
Costs you pay wholly and exclusively for your business. That includes materials and stock, business travel and vehicle costs, phone and internet, software, insurance, advertising, accountancy fees and bank charges. Personal spending isn't allowable, and neither is client entertainment. Equipment is usually claimed through capital allowances rather than as an everyday expense. MTD Totals groups spending into HMRC's categories and flags the ones that aren't allowable.
What expenses can landlords claim?
Letting agent and management fees, landlord insurance, ground rent and service charges, repairs and maintenance (not improvements), safety certificates such as gas and EICR, legal and accountancy fees, and some travel costs. Residential mortgage interest isn't deducted. Instead, you get a tax credit at 20% of the interest, so MTD Totals keeps it in its own line. Only the interest counts, not capital repayments.
Can I report just one total for expenses?
Yes, if the income source has turnover under £90,000. You can then send a single consolidated expenses figure in your MTD update and on your Self Assessment return. MTD Totals shows both the category breakdown and the consolidated total, so you can use whichever applies.
Are MTD quarterly updates cumulative?
Yes. From 2026/27 each quarterly update covers the tax year to date. For example, your November update covers 6 April to 5 October. MTD Totals shows each quarter's cumulative figure next to its deadline. It also supports calendar quarters if you've chosen those.
Do I need Making Tax Digital this year?
You need it from 6 April 2026 if your qualifying income (gross self-employment plus property income) was over £50,000. The threshold falls to £30,000 from April 2027 and £20,000 from April 2028. HMRC works this out from your earlier Self Assessment returns. Below the threshold, you still file a normal Self Assessment return, and MTD Totals gives you those figures too.
What do I get for £9?
Every total for every quarter and tax year, unlimited statements, and CSV downloads of both your categorised records and your totals. It's a one-off payment, not a subscription. Your licence key arrives by email straight away.
Is this tax advice?
No. MTD Totals adds up the transactions you give it, in the categories you confirm. You're responsible for checking the figures. If you're unsure whether something is allowable, ask an accountant or check HMRC's guidance.
Get your next MTD update or tax return done tonight
Export a CSV from your bank and drop it in. It's free to try.
Start with my bank CSV