HMRC-recognised - Coming Soon
Your clients need MTD-compatible software from April 2026

The cheapest MTD software for accountants & bookkeepers.

Free for the entire 2026-27 tax year.

Manage all your clients' quarterly submissions from one dashboard. Per-client pricing — not per-business. No long-term contracts, no per-submission fees.

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Your clients need MTD software. Most options will cost them - or you - a fortune.

From April 2026, your clients earning over £50,000 from self-employment or property must file quarterly updates digitally. You need software that lets you manage this efficiently across your entire client base - without paying hundreds per client for features neither of you need.

What practice software typically costs
£5–£15/client/year
Adds up fast: 50 clients = £250–£750/year before you've filed a single return
What AffordableMTD charges
£0/first year
Completely free for the 2026-27 tax year. All clients, all features. Simple annual pricing from 2027-28.

File for clients in minutes.

One dashboard for all your clients. Switch between them instantly.

1

Connect your Agent Services Account

Link your HMRC Agent Services Account once. Request authorisation from clients through HMRC's standard process - the same one you already use.

2

Enter or import figures

Type client figures directly, upload a spreadsheet per client. AI categorises transactions into HMRC categories automatically. Your data never leaves our servers and is never used for AI training. You review before submitting.

3

Submit and move on

Review the summary, submit to HMRC. See confirmation with timestamp and reference. Then move to the next client - their record is already loaded.

Per client, not per business.

A client with self-employment and a property portfolio counts as one client, not two. No per-submission fees. No surprises.

🎉
Completely free for the 2026-27 tax year
Every feature. Every client. No catches. Use AffordableMTD free until 6 April 2027. Pricing below applies from the 2027-28 tax year.

Starter

Up to 25 clients
FREE
2026-27 tax year
£39.99/year
From 2027-28
  • All income types per client
  • CSV/spreadsheet import
  • AI categorisation
  • Deadline dashboard

Agency

Unlimited clients
FREE
2026-27 tax year
£199.99/year
From 2027-28
  • Everything in Practice
  • Unlimited clients
  • Bulk import tools
  • API access

The cheapest way to manage MTD for your clients.

Annual cost for 100 Income Tax clients. We're the cheapest — and free for the first year.

Software 2026-27 2027-28 onwards What you get Catch
AffordableMTD
Practice tier — 100 clients
FREE £99.99/yr
£1.00/client
Submit + AI + Dashboard No catch. Free year one, cheapest from year two.
123 Sheets
100 IT clients
£71.40 50% off £142.80/yr
£1.43/client inc. VAT
Submit only No AI, no practice dashboard
Sage £14,400 £14,400/yr
£144/client
Full accounting Per-client subscriptions. Overkill for MTD.
Xero £18,000 £18,000/yr
£180/client
Full accounting Per-client subscriptions. Overkill for quarterly submissions.
FreeAgent £28,800 £28,800/yr
£288/client
Full accounting Free only with NatWest/RBS account

123 Sheets prices shown inc. VAT (ex. VAT: £119.00/yr for 100 IT clients). Sage, Xero and FreeAgent are full accounting suites — each client needs their own subscription. AffordableMTD and 123 Sheets are dedicated MTD submission tools where the practice pays one total. Need fewer clients? Our Starter tier covers up to 25 clients for just £39.99/yr.

Everything your practice needs. Nothing it doesn't.

Purpose-built for accountants and bookkeepers managing MTD submissions at scale.

👥

One dashboard, all clients

See every client's MTD status at a glance. Filter by deadline, submission status, or income type. Switch between clients instantly.

📅

Deadline management

See which clients have upcoming deadlines, which have been filed, and which are overdue - all in one view. Automated email reminders for clients who self-serve.

🤖

AI categorisation saves hours

Upload a client's spreadsheet and AI sorts transactions into the right HMRC categories. Your data is never shared with third parties or used for AI training. You review before anything is submitted.

🔑

Client self-service portal

Let clients enter their own figures each quarter. You review and submit. They do the data entry, you keep control of the filing.

👤

Per-client, not per-business

A client with multiple self-employments and a property portfolio is one client. One licence covers all their income types - unlike most competitors.

🔒

HMRC-recognised (Coming Soon)

Submissions reach HMRC through the same secure, official API used by every recognised provider. Agent Services Account integration built-in.

👨‍💼

Staff access permissions

Add team members to your practice account. Control who can view, edit, and submit for which clients.

🗂️

Audit trail for every client

Every submission logged with timestamps, references, and source data. If HMRC asks questions about any client, the records are already there.

Common questions from accountants & bookkeepers.

Yes. To file MTD for Income Tax submissions on behalf of clients, you need an HMRC Agent Services Account (ASA). If you don't have one yet, you can set one up at gov.uk. It's free and takes a few minutes. AffordableMTD connects to your ASA to authorise and file for your clients. If you're a bookkeeper without an ASA, you can apply for one directly.
You request authorisation from each client through HMRC's standard digital handshake process. The client approves via their Government Gateway account. Once authorised, you can file quarterly updates and the end of period statement on their behalf. This is the same process used by every HMRC-recognised software.
Yes. A client who has a self-employment and a property rental portfolio is one client under one National Insurance number. One licence covers all their income sources. Competitors often charge per business or per income source - we don't.
Yes - with the Practice tier and above, clients can log in to a self-service portal and enter their income and expenses each quarter. You review everything before it's submitted to HMRC. This saves you chasing clients for data every quarter.
Absolutely. Keep your existing bookkeeping workflows. When it's time to file, export to CSV or Excel and upload to AffordableMTD. AI categorises the figures, you review, and submit. No need to change how you work.
Yes. Every feature, every tier, every client — completely free for the entire 2026-27 tax year (6 April 2026 to 5 April 2027). We want accountants and bookkeepers to try AffordableMTD risk-free before committing. Annual pricing applies from the 2027-28 tax year.
We're launching practice accounts in summer 2026, ahead of the first quarterly deadline on 7 August. Register your interest and we'll give you early access. The entire 2026-27 tax year is free.
All connections to HMRC use the official Government Gateway. We never see your clients' HMRC passwords. All data is encrypted in transit and at rest. Client financial data is never shared with third parties. We follow HMRC's security requirements and GDPR.

Get your practice ready for MTD.

The first quarterly deadline is 7 August 2026. Register your interest now and we'll give you early access to practice accounts. The entire 2026-27 tax year is free.

You're on the list. We'll be in touch when practice access is available.

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