About CheckMyMTD
Last updated: May 2026
Our mission
CheckMyMTD exists to make Making Tax Digital simple and accessible for every UK taxpayer. We built the most comprehensive free MTD compliance engine available — covering every taxpayer type, every edge case, every exemption ground — because we believe nobody should face HMRC penalties simply because they didn't understand the rules.
Making Tax Digital for Income Tax Self Assessment (MTD ITSA) is one of the most significant changes to UK tax administration in decades. From April 2026, hundreds of thousands of sole traders and landlords will be legally required to keep digital records and submit quarterly updates to HMRC. The rules are complex, the edge cases are numerous, and the penalties for non-compliance are real.
We built CheckMyMTD to answer the questions that even experienced accountants find time-consuming to work through for every client: exactly when does your obligation start? Does your specific income type count? Are you eligible for an exemption? What software should you use for your specific situation? What exactly does non-compliance cost you?
What makes us different
Most MTD information online is either too basic (one-paragraph summaries) or locked behind paywall accountancy portals. CheckMyMTD gives you a full 10-phase analysis — identity profiling, qualifying income calculation, threshold transition prediction, exemption assessment, penalty modelling, software matching, personalised roadmap, calendar export and edge-case database — completely free, no account required.
Our data sources
All information is based on published HMRC guidance available at GOV.UK, HMRC technical notes, legislation at legislation.gov.uk, and HMRC consultations and announcements. We update this site whenever HMRC publishes new guidance.
Affiliate transparency
Software recommendations in our engine include affiliate links to Xero, QuickBooks, FreeAgent, Zoho Books and Sage. If you click and purchase through these links, we may receive a commission at no extra cost to you. Our recommendations are based entirely on user profile matching — not commission rates. We would never recommend software that isn't right for your situation.
Free forever
CheckMyMTD is and will remain free to use. No account. No paywall. No upsell. We're supported by the affiliate commissions described above and that is our only revenue source.
Privacy Policy
Last updated: May 2026
CheckMyMTD takes your privacy seriously. This policy explains what data we collect, how we use it, and your rights.
Data we collect
Calculator data (localStorage only): When you use our MTD engine, your answers are saved to your browser's localStorage. This data never leaves your device and is never transmitted to our servers. It exists only to provide the "welcome back" return visitor experience. You can clear it at any time by clearing your browser's site data.
Email address (optional): If you choose to sign up for quarterly MTD reminders, we collect your email address. This is processed through MailerLite. Your email is used only to send MTD deadline reminders and will never be sold or shared with third parties. You can unsubscribe at any time via the link in any email we send.
Analytics: We use privacy-respecting analytics (Cloudflare Web Analytics) which does not use cookies and does not collect personally identifiable information. We see aggregate page views and general traffic data only.
Cookies
CheckMyMTD does not use tracking cookies. We use localStorage (not cookies) to save your calculator state. Google Fonts are loaded from Google's CDN — Google may set its own cookies in accordance with Google's privacy policy.
Third-party services
Google Fonts: Used for typography. Requests go to Google's servers — see Google's privacy policy at policies.google.com.
MailerLite: Email list management for reminder subscribers. See MailerLite's privacy policy at mailerlite.com/privacy-policy.
Affiliate partners: When you click software recommendation links (Xero, QuickBooks, FreeAgent, Zoho, Sage), you leave our site. We do not track your behaviour on those sites. Their privacy policies apply.
Your rights (UK GDPR)
You have the right to: access any personal data we hold about you; request deletion of your data; object to processing; and complain to the Information Commissioner's Office (ICO) at ico.org.uk. To exercise any of these rights, contact us through the Contact tab.
Data retention
Calculator data: stored locally in your browser, no server-side retention. Email addresses: retained until you unsubscribe. We do not retain email addresses of people who unsubscribe.
Contact for privacy matters
For any privacy-related questions or requests, use the Contact tab on this page.
Disclaimer
Last updated: May 2026
Important — please read
CheckMyMTD provides general information for educational purposes only. It is not professional tax advice and does not constitute a tax advisory service.
General information only
The content on CheckMyMTD, including the MTD compliance engine, situation guides, and all other pages, is intended to provide general information about Making Tax Digital obligations. It is not tailored to your individual circumstances and does not constitute tax advice, legal advice, accounting advice, or any other professional advice.
Not a substitute for professional advice
You should not rely solely on information from CheckMyMTD to determine your tax obligations. Tax law is complex and individual circumstances vary enormously. Always verify your specific obligations with HMRC directly (at gov.uk) or with a qualified tax adviser, accountant or Chartered Tax Adviser (CTA).
Accuracy and currency
We make every reasonable effort to ensure information is accurate and up to date based on current HMRC guidance. However, tax legislation and HMRC guidance changes frequently. We cannot guarantee that every piece of information on this site reflects the very latest legislative position at the time you read it. Always cross-reference with HMRC's own publications.
No liability
To the maximum extent permitted by law, CheckMyMTD, its operators, and its contributors accept no liability for:
- Any tax penalties, interest or surcharges you incur
- Any losses or damages arising from reliance on information provided on this site
- Any decisions you make based on the output of our calculator or guides
- Any inaccuracies in the information provided
- Any failure of the website, calculator, or export features
Calculator outputs
The MTD engine on CheckMyMTD is an indicative tool based on the information you provide and general rules. It cannot account for every nuance of your individual tax position. Outputs should be treated as a starting point for further investigation, not a definitive determination of your obligations.
Links to external sites
We link to third-party websites including GOV.UK, software providers and other resources. We are not responsible for the content, accuracy or availability of external sites. Links do not constitute endorsement beyond the software affiliate relationships described in our About page.
Affiliate relationships
Software recommendations include affiliate links. We receive a commission if you purchase through these links. This does not affect the price you pay. Our recommendations are based on profile matching, not commission rates.
Contact Us
We aim to respond within 2 working days.
Before you contact us
For HMRC-specific queries (your actual tax position, account issues, penalty queries), contact HMRC directly at gov.uk/contact-hmrc. We are not HMRC and cannot access your tax records.