Endless copy-pasting
Downloading bank CSVs, retyping transactions and totalling up columns for hours every single month.
Bookkeeping for UK sole traders
Know your numbers.
Know your numbers.
Keep your books moving.
MTD Master brings bank transactions, day-to-day bookkeeping, tax estimates and accountant-ready reports together in one private Windows app — without turning your business into a spreadsheet project.
The spreadsheet trap
Tax season shouldn't feel like a second job.
If you're still keeping your books in spreadsheets, you know the grind — and it is easy to lose confidence in the numbers.
Hard to trust the totals
Mis-categorise an expense or miss a transaction and the numbers you give your accountant may be wrong.
Data scattered everywhere
Receipts in one place, statements in another, spreadsheets on three machines. Nothing lives where you need it.
Everything in one place
From bank activity to tidy books, faster.
MTD Master turns everyday bookkeeping and accountant handover into one calm, joined-up workflow.
Connect via Open Banking
Securely link your bank account and let transactions flow in automatically — no more CSV downloads or retyping statements.
Auto-categorisation
MTD Master learns how you categorise and auto-sorts income and expenses, so you always know what counts as a deduction.
Understand your tax position
See estimated tax calculations and allowances alongside your records, with clear checks before quarterly reports are exported.
Export for your accountant
Create a clean handover pack in PDF, Excel, CSV or JSON for your accountant or compatible filing software.
Local-first privacy
Your bookkeeping records stay in a local database, while BankSync tokens use Windows-protected storage where available.
Saves you hours
Move from imported activity to reviewed, organised records without losing evenings to repetitive spreadsheet work.
How it works
Four steps to accountant-ready.
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1
Connect your bank
Link your account securely via Open Banking. Consent is yours — grant and revoke it any time.
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2
Transactions flow in
Your latest transactions are downloaded automatically and ready for you to review.
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3
Auto-categorise
Income and expenses are sorted for you. You only need to confirm the occasional one.
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4
Review & export
Finalise your records, then create clear reports for your accountant or compatible filing software.
Why MTD Master
Spreadsheets can't do this.
SpreadsheetsManual, fragile, generic
- Re-type every transaction by hand
- Mistakes are easy to make
- No MTD formatting out of the box
- Data scattered across files
- You own the encryption (or lack of it)
- Hours of admin every month
MTD MasterConnected, organised, local
- Transactions pull in automatically
- Auto-categorisation keeps you accurate
- Accountant reports in useful formats
- Everything in one secure, local app
- Windows-protected connection tokens
- Minutes, once it's set up
Privacy-first
Your data stays yours.
MTD Master is built around local bookkeeping. Your live records and evidence stay on your Windows PC, while read-only bank access imports transactions without sharing your bank login details.
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Local working recordsYour bookkeeping database and managed evidence remain on your computer.
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Protected bank tokensBankSync connection tokens use Windows secure storage where it is available.
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Encrypted portable backupsCreate a password-encrypted backup when you need a protected copy you can move.
Loved by freelancers
Less admin, more calm.
★★★★★
"I used to lose a whole weekend to my spreadsheets. Now my records are ready when my accountant needs them."
AlexFreelance designer
★★★★★
"The categorisation workflow keeps the review manageable, so I feel much more confident in my numbers."
RhianSelf-employed consultant
★★★★★
"Handing my accountant a clean report pack has genuinely been a game changer."
SamSmall business owner
Questions
Frequently asked.
What is Making Tax Digital?
Making Tax Digital (MTD) is HMRC's programme for digital record-keeping and filing. MTD Master helps sole traders keep organised digital records and prepare reports for an accountant or compatible filing software; it does not submit returns directly to HMRC.
How is my financial data handled?
Your live bookkeeping database and evidence files are stored locally on your Windows PC. BankSync tokens use Windows secure storage where available, and portable backups are password-encrypted. Protect your Windows account and device because the live working database itself is not encrypted at rest.
Do I still need an accountant?
MTD Master does not replace tax advice or file directly with HMRC. It keeps your records organised and creates a clear handover pack for your accountant, or for use with compatible filing software.
How does the bank connection work?
MTD Master uses Open Banking through BankSync. You link your account once, grant your consent, and your transactions flow in automatically. You can connect multiple accounts and revoke consent at any time.
Who is it built for?
MTD Master currently supports one UK sole-trader trade. Companies, partnerships, property businesses, trusts, VAT filing, multiple trades and direct HMRC filing are not supported.
Does it run on Mac?
MTD Master is a standalone Windows app for Windows 10 and 11. It's designed to run locally on your Windows machine for a fast, offline-first experience.
Make your books easier to hand over.
Import transactions, review your numbers and prepare accountant-ready reports — all in one private Windows app.