From 6 April 2026, sole traders and landlords earning over £50,000 must keep digital records and send HMRC a quarterly update — four times a year, plus a year-end declaration. QuarterClose does all of it, on time, for a flat £39/mo.
We're onboarding founding members now and going live before the first quarterly deadline on 7 August 2026— reserve your place and we'll have you set up in time. Even if you decide not to use us, your deadline calendar and setup checklist are yours to keep.
Answer three questions. No email needed to see where you stand.
Tell us two more things.
Choose your qualifying income and how you keep records today, and we'll show whether you're mandated, when your first quarterly deadline falls, and how many filings a year it means.
What QuarterClose does for you
£39/mo
Founding-member early access · flat rate · no card today
Get your personalised filing plan
We'll email your quarterly deadline calendar as a file, a digital-records setup checklist for your current tools, and your locked £39/mo founding-member rate.
We're onboarding founding members now and going live before the first MTD quarterly deadline on 7 August 2026 — reserve your place and we'll have you set up in time.
Who's behind QuarterClose
QuarterClose is built by Merrowby.
We file only through HMRC-recognised Making Tax Digital software. We're pre-launch, and we won't submit a single return to HMRC until that recognition is in place — your filings are never sent through software HMRC hasn't recognised.
Every date and threshold on this page comes straight from HMRC's own MTD for Income Tax guidance. We're not a firm of accountants and this isn't tax advice — we run the routine quarterly filing, so the year-end judgement calls stay with you or your accountant.
Making Tax Digital replaces the once-a-year Self Assessment with a running, digital one. Three things become mandatory:
Keep your income and expenses in HMRC-recognised software as you go. Paper ledgers and a shoebox of receipts no longer count.
Send HMRC a summary of income and expenses every quarter, per business — a running total instead of one year-end return.
Confirm the year and finalise your tax after the fourth quarter — replacing the Self Assessment return you file today.
Your 2026/27 deadlines, if you're in the first wave
£20,000
is where the qualifying-income threshold lands by April 2028. It starts at £50,000 now, drops to £30,000, then reaches almost every sole trader and landlord.
A first-year soft landing waives late-update penalty points for 2026/27 — but not the duty to keep digital records, not the quarterly filings themselves, and not your Final Declaration. After it, four missed updates trigger a £200 penalty.
Tell us your trades and rentals and connect a bank feed or drop in a statement. Bank connections use read-only Open Banking (FCA-regulated) — we can categorise your transactions but never move your money. No existing accounting software, no accountancy degree — we build the digital records HMRC now requires from what you already have.
Each quarter we categorise your income and expenses and submit the quarterly update to HMRC through recognised MTD software, on time. Every trade and every rental, handled — including the year-end Final Declaration that replaces your old Self Assessment.
Before each deadline you get a plain-English summary and one tap to approve. No more remembering four dates a year, no last-minute scramble, no late-submission penalty points.
No per-submission fees stacking up now that there are five filings a year. No tiers. Your trades and rentals, your quarterly updates, and your Final Declaration — all in.
Founding-member early access: join now with no card. We email your personalised plan and lock your rate for launch.
Yes — there are free options.
Your bank (Monzo, Starling) may bundle a basic MTD tool, and HMRC lists free software. They give you the tool — you still categorise every transaction and hit four deadlines a year yourself. QuarterClose does that work for you. If you're happy doing it yourself, a free tool is genuinely fine. The £39/mo is for never having to think about it four times a year.
£39/mo · flat
Founding-member early access · no card today
Lock founding-member pricing
Get your personalised MTD plan and your £39/mo rate for launch.
Not quite. HMRC has confirmed a soft landing for 2026/27: you won't get late-submission penalty points for a late quarterly update in that first year. But the legal duty to keep digital records and file all four quarterly updates still starts on 6 April 2026 — and the soft landing does not cover your year-end Final Declaration (due 31 January 2028) or late-payment penalties. Waiting just means catching up in a panic. Getting set up now costs nothing.
Because one Self Assessment a year is becoming five filing points a year — four quarterly updates plus a Final Declaration, per income source. QuarterClose runs the routine quarterly filing at a flat monthly rate, either alongside your accountant (so their quarters don't become a per-submission bill) or in place of it. Your accountant can keep the year-end advice; we keep the deadlines.
Sometimes — if you're happy doing the work yourself. Your bank (Monzo, Starling) may bundle a basic MTD tool, and HMRC lists free MTD-compatible software. But all of them give you the tool, not the outcome: you still categorise every transaction, keep the records digital, and hit each quarterly deadline yourself, on time, four times a year. QuarterClose does that work for you. If you'd rather run it yourself, a free tool is genuinely fine — the £39/mo is for never having to think about it four times a year.
Fair — it has been pushed back repeatedly since 2018 (to 2020, then 2023, then 2024). This time it's different: the regulations were laid before Parliament in February 2024 and the £50,000 wave is legislated and live from 6 April 2026. Even so, joining QuarterClose early is free and needs no card, so if a date ever moved you'd lose nothing by being ready.
You tell it. Adding your trades and rentals takes about a minute, and you connect a bank feed or upload a statement so we can build the digital records. You don't need to already run accounting software — that's the point. Everything you file, you see and approve first.
No — it's your gross income (turnover before expenses) from self-employment and property, added together. So £30,000 of freelance income plus £25,000 of rent is £55,000 of qualifying income, which puts you in the April 2026 wave even though your profit is lower. HMRC checks this figure against your submitted Self Assessment returns.
Your personalised MTD plan: your exact quarterly deadline calendar as a file you can import, a digital-records setup checklist matched to how you keep records today, and your locked £39/mo founding-member rate for when we launch. No card, no sales call, and we only email you about your MTD readiness.
Check where you stand, then get your personalised deadline calendar and your founding-member rate. No card, no sales call.