You've filed. It isn't final.
A quarterly update is a summary, not a final figure. If you rushed 6 Apr 2026 to 5 Jul 2026 and coded three months of transactions in one evening, the deductions you missed can still be corrected before your final declaration. Nothing is lost yet.
No account, no card. Your statement is read in your browser and never stored.
Forensix is not the software you file with.
It is not HMRC-recognised and it cannot submit a quarterly update. Keep whatever you already use for that. Forensix does the other half of the job: working out what you are allowed to claim in the first place, which no filing tool is judged on and most barely attempt.
The rules
What Making Tax Digital actually asks of you
Keep digital records
Income and expenses recorded digitally as you go. A shoebox of receipts and one evening in January is no longer compliant, even if the final numbers are right.
Send four updates a year
A summary of income and expenses each quarter, through HMRC-recognised software. These are not final and can be corrected later.
File a final declaration
At year end you pull it together, add anything outside your trade, and settle up. This is the one that decides your tax.
This tax year's quarters
HMRC is not issuing quarterly-update penalty points during 2026/27, but all four updates still have to be in before you can file the annual return.
Who is in, and when
The threshold is on qualifying income, meaning gross trading and property income before expenses. People are caught by this who are nowhere near that in actual profit.
Why this matters
Filing and finding are different jobs
HMRC recognition is a plumbing test. It confirms software can submit correctly. It says nothing about whether the software is any good at working out what you can claim.
Your MTD software
Keeps digital records
Submits your four updates
Files the final declaration
Sends HMRC whatever you told it
Will not tell you the subscription you coded as personal was deductible
Forensix
Reads every line of your statement against the deduction rules
Tells you what you are not claiming, and why it qualifies
Under-claims where a rule is a judgement call, on purpose
Gives you a figure you can hand to your filing tool or accountant
Cannot submit to HMRC. Not trying to.
Check the quarter you just filed in about ten seconds
Drop in the bank CSV covering 6 Apr 2026 to 5 Jul 2026. You get the total you are not claiming and the biggest items, free, without an account. Nothing is stored.
Scan my statement freeGeneral information, not tax advice. Confirm your own position on GOV.UK or with an accountant.