Graft keeps your digital records and files your quarterly updates to HMRC from the same app you run your jobs in. Built for sole-trader tradespeople, priced for one-person businesses – free until 15 September, then £6.99 a month.
Making Tax Digital for Income Tax means digital records plus a short update to HMRC every quarter, kept and filed through software. The full plain-English detail is in the MTD guide – here's the short version.
Qualifying income over £50,000 on your 2024-25 return means MTD applies from April 2026. The first quarterly update covers April to July – due 7 August.
Over £30,000 and you join from April 2027, with £20,000 planned from 2028. Starting the habit early makes it a non-event.
Quarterly updates change how you report, not when you pay. Your tax is still paid on the normal Self Assessment dates.
No separate tax software, no spreadsheet, no double entry. Work like you already do and the compliance happens underneath.
Jobs logged in 30 seconds, invoices sent from your phone, receipts photographed as you get them. That's the whole habit.
Every job and receipt becomes an MTD-compliant digital record automatically, with a live estimate of the tax you're building up.
Connect Graft to HMRC once. Each quarter, check the summary, confirm the declaration, and file your update straight to HMRC.
7 August, 7 November, 7 February, 7 May. Graft counts you down so nothing sneaks up while you're on the tools.
We only claim what's built. Here's exactly where Graft stands against what MTD for Income Tax asks of your software.
| MTD requirement | Graft |
|---|---|
| Digital record keeping for income and expenses | ✓ Built in – records created as you log jobs and receipts |
| Quarterly updates for self-employment income | ✓ Filed directly through HMRC's MTD APIs |
| Digital links (no manual re-keying) | ✓ One app end to end – nothing to copy across |
| HMRC fraud prevention standards | ✓ Implemented and production-approved by HMRC |
| End-of-year final declaration | ◐ In development for the 2026-27 year end |
| CIS (Construction Industry Scheme) income | ◐ In development – on the roadmap in the open |
Yes. Once MTD for Income Tax applies to you, HMRC requires digital records kept in software and quarterly updates submitted through software connected to their systems. A spreadsheet on its own no longer meets the rules.
From 6 April 2026 if your qualifying income was over £50,000 on your 2024-25 return. From April 2027 it's over £30,000, and £20,000 is planned from April 2028. Not sure where you stand? The guide breaks it down.
No. This is the single most misunderstood part of MTD. Quarterly updates are a report of your income and expenses so far. You still pay your tax on the normal dates.
Your call. Graft handles the compulsory part: digital records and quarterly updates. Plenty of sole traders will do it all themselves; if you use an accountant, your records stay tidy for them.
Graft is designed to replace the notebook, not retrain you. If you can send a text, you can log a job. Most people are set up in the time it takes to drink a brew.
Free until 15 September, then £6.99 a month. Set up in the time it takes to drink a brew.
Free on the App Store · iPhone · iOS 15+