The best MTD software for freelance developers in 2026 is FreeAgent — FreeAgent is free with NatWest/RBS and handles multiple client tracking, time tracking, and project expenses in one dashboard.
What freelance developers need from MTD software
- Tracking income from multiple clients or contracts
- Managing expenses like software subscriptions and home office
- Handling IR35 considerations if working through an umbrella
- Tracking time across projects
Top pick: FreeAgent
FreeAgent — FreeAgent is free with NatWest/RBS and handles multiple client tracking, time tracking, and project expenses in one dashboard.
UK sole traders & micro limited companies who want a simple all-in-one package
Runner-up: Xero
Xero — Xero is more flexible if you work with an accountant or need to connect to other business tools.
Sole traders & landlords who want a mature ecosystem and lots of integrations
How to choose
The right MTD software depends on your specific situation. If freeagent is free with natwest/rbs and handles multiple client tracking, time tracking, and project expenses in one dashboard., start with FreeAgent. If xero is more flexible if you work with an accountant or need to connect to other business tools., Xero is worth considering.
For a full comparison, see our FreeAgent vs Xero head-to-head.