🇬🇧 HMRC-Compatible · Built for the 2026 mandate

The 2026 Tax Return.
Simplified.

Meet the DIY platform designed for the new MTD mandate. Complete your 4 quarterly updates and your Final Declaration in one guided workflow - no accountant, no spreadsheets, no stress.

Start your 2026 tax year for free See pricing
✓ 5 MTD submissions, one platform ✓ HMRC direct integration ✓ Cancel anytime
app.vibebooks.co.uk
Vibe Books
🏠 Dashboard
💳 Income & Expenses
📅 Quarterly Updates
⚙️ Settings
Income YTD
£32,450
Expenses
£8,120
Net Profit
£24,330
Est. Tax
£4,862
Q1 ✓ Submitted
Q2 ✓ Submitted
Q3 · Due 5 Feb
Q4 · Upcoming
✓
Q2 Submitted!
Sent to HMRC
📊
Profit up 18%
vs last quarter
⏰ Earn over £50k? Your first MTD deadline is April 2026. Get compliant today. Get compliant today →

Built for people who just want it simple

🔨 Builders & Tradespeople 🏠 Landlords 💻 Freelancers 🚗 Delivery Drivers ✂️ Hairdressers & Beauty 📷 Creatives 🌿 Sole Traders of all kinds
Features

The bridge to HMRC.
Without accountant overhead.

HMRC's 2026 mandate requires 5 submissions. Vibe Books helps each one feel routine with guided filing, direct connection, and clear deadlines.

🔄

HMRC Direct Fetch

Don't dig for bank interest or P60s. Vibe Books connects to HMRC to fetch available employment, dividends, and savings data to help keep your Final Declaration accurate.

🏁

Final Declaration Ready

When the tax year ends, Vibe Books carries your figures through to your fifth and final MTD submission with clear checks before filing.

🔒

Fintech-Grade Security

Vault-grade privacy with AES-256-GCM field-level encryption for your NINO and UTR. Tax identifiers are locked behind a master key system, unreadable in raw records, and protected with strict access controls.

📊

Live Tax Estimate

See a real-time estimate of your Income Tax and Class 4 NIC as your income grows. No year-end shocks.

📧

Deadline Reminders

Automatic email reminders before every quarterly deadline. Never miss a submission again.

🔒

Secure & Private

Your financial data is yours. Encrypted at rest and in transit. Export or delete everything at any time.

📤

Portable Data & Professional Reports

Your data stays yours. Export full history anytime as JSON, CSV, or Excel. Need clean records for a mortgage, lender, or accountant? Generate professional PDF summaries in one click.

🏦

Direct HMRC Submission

Submit quarterly updates and your Final Declaration directly from Vibe Books using HMRC's official connection flow - no bridging tools needed.

Why Vibe Books

The old way vs the Vibe Books way

The old way (accountant-led) The Vibe Books way
Typical annual compliance cost£1,000+ per year£10 per month
How work gets doneReceipt chase and catch-up near deadlinesReal-time updates all year
Speed of answers"I'll get back to you in a week"Instant HMRC fetch and in-app checks
Filing methodManual handoff and data entryEncrypted, direct-to-HMRC submissions

Pricing references are market averages and can vary by provider, complexity, and service level.

No accountant required

Ditch spreadsheet chaos. Save your fees.

Typical accountant-led MTD compliance can run to around £1,000+ per year. Vibe Books is built so you can stay compliant yourself in one guided workflow. Already using sheets? Import in minutes and keep CSV/Excel export anytime.

Traditional Accountant
£1,200/year

Higher ongoing fees plus back-and-forth around deadlines.

  • Monthly admin handoff
  • Manual collection of records
  • Slower turnaround near deadlines
DIY advantage
Vibe Books Solo (yearly)
£53.89/year

Track through the year and complete all 5 MTD steps in one app.

  • Direct HMRC integration
  • Final Declaration workflow included
  • Designed for quick DIY updates

Examples are illustrative comparisons based on common market pricing and can vary by business complexity and provider.

How it works

Complete your tax year
in one guided workflow

From your first quarterly update to your Final Declaration in January, Vibe Books helps you complete all 5 MTD submissions in one app.

1

Create your free account

Sign up with your email. Enter your business name and HMRC details. Takes 2 minutes.

2

Log records and fetch HMRC data

Track income and expenses as you go, then pull available HMRC employment, savings, and dividend data to reduce manual entry.

3

Submit and finalise

One-click submission for your 4 quarterly updates. When the year ends, use the Final Declaration flow to pull your HMRC picture and close your tax year in minutes.

Start for free →
Q3 · Oct–Jan
✓ Submitted
Income£8,400.00
Expenses£1,240.00
Net Profit£7,160.00
Submitted 28 Jan 2027 · Ref: HMR-8821
Recent transactions
Invoice #034+£1,200
Fuel receipts-£82
Invoice #035+£950
Phone bill-£45
Pricing

Simple, honest pricing

Pay monthly or choose yearly and get 10% off versus 12 monthly payments. Cancel any time, no lock-in.

Starter / Free
£0/month

Perfect if you're nervous about MTD and want to try the workflow before spending anything.

  • Up to 250 income & expense entries / month
  • Basic financial reporting
  • Tax year overview
  • Quarterly deadline tracker
  • Import from Excel / CSV spreadsheets
  • JSON data export
  • No HMRC filing on Free (upgrade to Solo to submit)
  • Email deadline reminders
Get started free
Most Popular
Solo
£4.99 /month

For one source of income. Submit quarterly updates directly to HMRC.

  • Everything in Free
  • HMRC quarterly submissions
  • HMRC Assist integration
  • Email deadline reminders
  • Final Declaration submission
  • Import & export Excel & CSV spreadsheets
  • Priority email support
  • 1 source of income (per taxpayer account)
Get Solo
Duo
£5.99 /month

The sweet spot for trade + property, or two income sources.

  • Everything in Solo
  • 2 sources of income (per taxpayer account)
  • Import & export Excel, CSV & PDF
  • HMRC Assist integration
  • Priority phone & email support
Get Duo
Pro
£6.99 /month

For portfolio users who need headroom and flexibility.

  • Everything in Duo
  • Up to 10+ sources of income (per taxpayer account)
  • Import & export Excel, CSV & PDF
  • HMRC Assist integration
  • Priority phone & email support
Get Pro

Prices include VAT. Limits apply per taxpayer account (not multiple taxpayers under one login). Cancel any time from your account.

Comparison

Why Vibe Books vs the others?

Vibe Books Xero QuickBooks FreeAgent
MTD for Income Tax✓✓✓✓
Monthly price (from)£4.99£15+£12+£19+
Designed for sole traders✓ Purpose-built✗ Too complex✗ Too complexPartial
Simple to use✓ Very simple✗ Requires training✗ Requires trainingModerate
Free plan✓✗✗✗
No lock-in contract✓✗✗✗
Peace of mind

First year on MTD? Relax.

HMRC's "soft landing" means no penalty points for late quarterly updates in 2026/27. Vibe Books is the ideal place to learn the new rhythm with confidence.

FAQ

Common questions

Can't find the answer? Email us

Do I actually need MTD software?

If you're a sole trader or landlord earning over £50,000 you must use MTD-compatible software from 6 April 2026. Over £30,000 it's 6 April 2027, and over £20,000 it's April 2028. The penalties for non-compliance will apply from late 2027.

What are quarterly updates exactly?

They are summaries of your income and expenses sent to HMRC four times a year. At year end, MTD users submit a Final Declaration via Vibe Books to complete the tax year flow.

Is Vibe Books recognised by HMRC?

We're applying for HMRC recognition. You can use Vibe Books for full record-keeping now, and in sandbox/test mode with HMRC. We aim to be fully recognised ahead of the April 2027 deadline. You can also pair it with HMRC-recognised bridging software for submissions in the meantime.

Is my data safe?

Yes. Your data is encrypted in transit (HTTPS) and at rest. We never sell your data to third parties. You can export everything as JSON, Excel, or CSV at any time, and request full deletion when closing your account.

Can I switch plans or cancel?

Absolutely. Upgrade, downgrade, or cancel from your account settings at any time. If you cancel a paid plan, you keep access until the end of the billing period, then revert to the free plan.

Do I still need an accountant?

Vibe Books handles digital record-keeping and quarterly submissions — the MTD compliance part. You can still use an accountant for complex tax planning or to review your final return. You can export your books to Excel, CSV, or PDF (Solo, Duo, and Pro) any time to share with them.

Is there a penalty if I'm a few days late?

Not in your first year! For 2026/27, HMRC has a "soft landing" — you won't get penalty points for late quarterly updates. It's the perfect time to get used to the new rhythm without the stress of fines.

What happens if I miss the January 31st deadline?

The soft landing doesn't apply to your Final Declaration. Missing this will still result in a penalty point, so we recommend using our automated reminders to stay on track.

How do I clear my penalty points?

If you do rack up points, you can reset them to zero by submitting everything on time for the next 12 months. Vibe Books helps you stay compliant automatically so you never have to worry about the £200 "threshold" fine.

Ready to start your 2026 tax year?

Complete your 5 MTD submissions in one guided workflow, without accountant overhead.

Start your 2026 tax year for free →

No card required · Cancel anytime · Setup in minutes

Need help? We're here for you

Got a question about MTD, your account, or anything else? Drop us an email and we'll get back to you.

✉️ support@vibebooks.co.uk