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MTD deadline: April 2026

MTD is coming. Here's how to be ready — using WhatsApp.

HMRC is making digital tax records compulsory for self-employed workers. 123Tax is the only solution built for people who don't want accounting software. Just send us your receipts on WhatsApp. We handle everything else.

Built for

builders plumbers electricians plasterers roofers

No credit card required. No app to download.

Rated 4.9/5 by UK tradespeople
No app to download
HMRC-recognised
Cancel anytime

"I've been doing my own tax returns for 15 years and always dreaded it. This took me 20 minutes and I didn't need to touch a spreadsheet once."

D

Dave

Plasterer, Manchester

You didn't start your own business to spend evenings doing paperwork. But HMRC isn't giving you a choice — MTD (Making Tax Digital) is coming, and the fines for non-compliance are real. We built 123Tax for people who want to stay compliant without learning accountancy software.

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Who we help

Built for every trade

Whether you lay bricks or wire houses, if you're self-employed and need to stay on the right side of HMRC, 123Tax has you covered.

Builders

Plumbers

Electricians

Decorators

Roofers

Tilers

Scaffolders

Plasterers

CIS Workers

& Many More

How it works

Three steps. Zero software.

If you can take a photo and send a WhatsApp, you can do your tax.

Send Your Receipts on WhatsApp

Photograph any receipt, invoice, or expense and send it to our 123Tax WhatsApp number. That's it. No spreadsheets, no uploads, no logins.

We Categorise & Track Everything

Our system reads your receipts, matches them to HMRC-approved expense categories, and keeps a running total. Check your summary any time by messaging us.

We Submit Your MTD Returns

Each quarter, we send you a summary. You reply to confirm and we submit your MTD return to HMRC on your behalf. Done.

Government deadline

MTD for Income Tax starts
April 2026

If you earn over £50,000 self-employed, you must keep digital records and file quarterly from April 2026. This extends to those earning over £30,000 from April 2027. Non-compliance penalties start at £200 per missed submission.

Am I Affected? Find Out

Simple pricing

From £19/month

Less than an hour of your time filling in forms. No hidden fees. No setup costs. Cancel anytime.

Starter

£19/mo

For sole traders on Self Assessment

  • MTD quarterly submissions
  • WhatsApp receipt capture
  • Self Assessment filing
Most Popular

CIS Pro

£29/mo

For CIS subcontractors

  • Everything in Starter
  • CIS tax refund claim
  • CIS deduction tracking

Business+

£49/mo

For limited companies / VAT registered

  • Everything in CIS Pro
  • VAT returns
  • Year-end accounts

All prices shown ex-VAT. Billed monthly. Cancel anytime. No setup fees or hidden charges.

See All Plans

Don't take our word for it

Tradespeople who stopped
worrying about tax.

"Got a £1,800 CIS refund I didn't even know I was owed. These lot know the construction game inside out. Best money I've ever spent."

M

Mike

Plumber, Birmingham

"I can barely use a laptop let alone accounting software. All I do is WhatsApp my receipts and they sort the lot. Wish I'd found them years ago."

K

Kev

Electrician, Leeds

"Went from dreading tax season to not even thinking about it. The WhatsApp thing is genius — exactly how everything should work for people like us."

S

Sarah

Decorator, Bristol

Get started

HMRC's deadline is set. Your business needs to be ready.

123Tax makes that as simple as sending a WhatsApp. Start your free trial today — no app, no accountancy knowledge, no stress.

No credit card required. No app to download. Cancel anytime.