Affordable MTD

First seen on HMRC's list on or before 17 Oct 2026.

Visit Affordable MTD website View HMRC listing

Our notes

Affordable MTD is MTD for Income Tax bridging software for sole traders and landlords; you type in totals or import a spreadsheet, and it submits quarterly updates and the final declaration. It is free until 6 April 2027, then £19.99 a year.

Pros

One flat price, no tiers or per-submission fees
Self-employment and UK property income in one product
Quarterly updates, annual adjustments and final declaration supported
CSV and Excel import

Cons

Free period ends 6 April 2027, before the 2026-27 final declaration is filed
Card details taken at sign-up; renews automatically
Foreign property not supported yet
No bank feeds, invoicing or VAT

Price

Prices can change without notice, so confirm with the provider before you buy. Spotted an error? Email us.

Cheapest MTD-capable plan: Affordable MTD
Per month: unknown
Per year: £19.99
VAT: unknown (not stated)
Notes: Free for the 2026-27 tax year (Free Period ends 6 April 2027), then £19.99/year. 'No tiers, no per-submission fees.' Card details taken at sign-up; subscription renews automatically unless cancelled.
Landlord pricing: same product. Self-employment and UK property income 'supported as standard'; foreign property 'on the roadmap'.
Agent/accountant pricing: yes. Practice pricing from 2027-28: Starter up to 25 clients £39.99/year, Agency unlimited clients £199.99/year; free for 2026-27. Accountants page shows 'Register Interest' and 'HMRC-recognised - Coming Soon'.

Really free?

Quarterly updates free: yes (2026-27 quarterly updates, during the Free Period)
Tax return (final declaration) free: no (inferred: Free Period ends 6 April 2027; the 2026-27 final declaration can only be filed after that date, in the paid period)
Limits: 'All features, all income types, no catches' during the Free Period.
Bank account condition: None
Time limit: Free Period ends 6 April 2027, then £19.99/year

Landlords and spreadsheets

Excel bridging: yes
Google Sheets bridging: unknown
CSV import: yes
Bridging notes: Import a CSV or Excel file (AI maps transactions to HMRC categories) or type totals in directly.

Checked 17 Oct 2026. Sources:www.affordablemtd.com, www.affordablemtd.com, www.affordablemtd.com, www.affordablemtd.com

HMRC listing

What the software provider has told HMRC. “In development” means the provider has committed to building it in time for the 2026 to 2027 tax return.

Features

Free version	Ready now
Agent software	Not included
Individual software	Ready now
Software that creates digital records	Ready now
Bridging software that connects to records	Ready now
Standard update period (6 April to 5 April)	Ready now
Calendar update period (1 April to 31 March)	Ready now
Making Tax Digital for VAT	Not included
HMRC Assist (Submission Feedback)	Ready now

Business income

Sole trader	Ready now
UK property	Ready now
Foreign property	Not included

Other income sources and items

Employment (PAYE)	In development
UK dividends	In development
State Pension income	Not included
Private pension incomes	Not included
Partner income from a partnership	Not included
Foreign dividends	Not included
Foreign interest	Not included
Private pension contributions	In development
Construction Industry Scheme	Not included
Charitable giving	In development
Capital Gains	Not included
Student Loan	In development
Marriage Allowance	In development
Voluntary Class 2 National Insurance	In development
High Income Child Benefit Charge	In development
UK interest	In development

Accessibility

Blindness or impaired vision	Ready now
Deafness or impaired hearing	Ready now
Motor or physical difficulties	Ready now
Cognitive impairments	Ready now

Platform

Software type	Web browser
Compatible with	Microsoft Windows Mac OS Linux
Language	English