About
untied is a comprehensive personal tax app purpose-built for the UK market, serving self-employed individuals, freelancers, gig platform workers, landlords, sole traders, and high earners. It removes the complexity from self-assessment tax returns and positions users for HMRC's Making Tax Digital (MTD) for Income Tax initiative—the government's programme to fully digitalise the UK tax system. With untied, users can securely connect unlimited bank accounts and credit cards, automatically importing and categorising transactions using custom rules. The app also tracks mileage automatically regardless of transport method, and a built-in AI engine identifies eligible tax reliefs and optimises the user's tax position within HMRC's rules. untied supports a wide spectrum of tax scenarios: self-employment income, PAYE/salaried income, UK and foreign property income, capital gains (including crypto assets), foreign income, non-residency, and company director filings. Users can file and pay HMRC directly from within the platform, share access with their accountant, and manage invoicing and payment requests—all in one place. The platform is available as both an iOS/Android mobile app and a browser-based tool, designed to be approachable for non-technical users while accommodating complex filers. Two paid tiers—untied Lite and untied Pro—cater to different needs, with a 30-day free trial available across all plans. Award-winning and trusted by thousands of UK taxpayers, untied is the go-to solution for staying on top of personal taxes in the digital age.
Key Features
- Making Tax Digital (MTD) Compliance: Fully supports HMRC's MTD for Income Tax, enabling quarterly updates and year-end declarations submitted directly to HMRC from within the app.
- Automatic Bank & Transaction Syncing: Securely connect unlimited bank accounts and credit cards to auto-import transactions and categorise them using custom rules.
- Automatic Mileage Tracking: Tracks journeys automatically across all transport methods, ensuring users can claim full mileage relief without manual logging.
- Built-in AI Tax Optimisation: untied's AI identifies applicable tax reliefs and legally optimises the user's tax position, helping reduce tax bills within HMRC guidelines.
- Direct HMRC Filing & Payment: Submit self-assessment returns and pay HMRC directly from untied, covering a wide range of schedules including property, capital gains, and foreign income.
Use Cases
- A freelance content creator tracks income from multiple clients, auto-imports bank transactions, and files their self-assessment return directly to HMRC via untied.
- A self-employed delivery driver uses untied's automatic mileage tracking to record every journey and maximise their vehicle expense claims at year-end.
- A landlord manages rental income from multiple UK properties, categorises expenses, and stays MTD-compliant using untied Pro's property income support.
- A gig economy worker (e.g., Uber, Deliveroo) registers as self-employed through untied and files their first tax return without needing to hire an accountant.
- A high-earner with capital gains, crypto disposals, PAYE income, and foreign earnings consolidates all data in untied to produce an accurate, optimised self-assessment return.
Pros
- HMRC-Recognised & Highly Secure: Officially recognised by HMRC and protected with bank-level encryption, giving users confidence in their compliance and the safety of their financial data.
- Accessible to Non-Technical Users: Praised by users for its intuitive design—even self-described technophobes find it easy to stay organised and up to date.
- Broad Tax Scenario Coverage: Handles self-employment, PAYE, property income, capital gains (including crypto), foreign income, non-residency, and company director scenarios in one platform.
- Flexible Access Across Devices: Available as a native iOS and Android app as well as a full browser-based tool, giving users freedom to manage taxes from any device.
Cons
- UK-Only: untied is built exclusively for the UK tax system and HMRC, making it unsuitable for users based outside the United Kingdom.
- Paid Subscription Required for Filing: Although a 30-day free trial is available, actually filing a tax return requires a paid plan starting at £64.99 per year.
- Advanced Features Restricted to Pro Tier: Full MTD support, unlimited self-employment income, foreign property, and foreign income reporting are only available on the higher-priced Pro plan (£129.99/year).
Frequently Asked Questions
What is Making Tax Digital and does untied support it?
Making Tax Digital (MTD) is HMRC's initiative to move the UK tax system online. untied is specifically designed to support MTD for Income Tax, enabling users to send quarterly updates and annual declarations directly to HMRC.
Is untied officially recognised by HMRC?
Yes, untied is an HMRC-recognised software provider, meaning it meets HMRC's technical and compliance standards for submitting tax returns and MTD updates.
Can I use untied on my smartphone?
Yes, untied is available as a native app for both iOS and Android, as well as through any web browser on desktop or mobile—so you can manage your taxes wherever you are.
What is the difference between untied Lite and untied Pro?
untied Lite (£64.99/year) covers basic self-employment and PAYE income with manual journey logging. untied Pro (£129.99/year) adds full MTD compliance, unlimited self-employment and property income, automatic mileage tracking, foreign income, and more advanced tax schedules.
Can I give my accountant access to my untied account?
Yes, untied allows you to share access with an accountant or tax adviser directly within the platform, making it straightforward to collaborate on your return.
