The best MTD software for freelance writers in 2026 is FreeAgent — FreeAgent is free with NatWest/RBS and is the simplest option for freelance writers who want to do their own bookkeeping.
What freelance writers need from MTD software
- Tracking income from multiple publications
- Recording home office and equipment expenses
- Managing irregular income patterns
- Keeping things simple without an accountant
Top pick: FreeAgent
FreeAgent — FreeAgent is free with NatWest/RBS and is the simplest option for freelance writers who want to do their own bookkeeping.
UK sole traders & micro limited companies who want a simple all-in-one package
Runner-up: Coconut
Coconut — Coconut is the cheapest paid option at £6/month if you do not have a NatWest/RBS account and just need basic MTD compliance.
Sole traders who want the simplest MTD-only tool, mobile-first workflow
How to choose
The right MTD software depends on your specific situation. If freeagent is free with natwest/rbs and is the simplest option for freelance writers who want to do their own bookkeeping., start with FreeAgent. If coconut is the cheapest paid option at £6/month if you do not have a natwest/rbs account and just need basic mtd compliance., Coconut is worth considering.
For a full comparison of all the HMRC-recognised options, browse our software comparisons or run the MTD Software Finder.