Xero

Our notes

Xero is a major cloud accounting platform; its Simple plan at £7/month ex VAT is aimed at non-VAT sole traders and landlords filing MTD Income Tax. It is HMRC-listed for quarterly updates, the tax return, UK and foreign property.

Price

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

Cheapest MTD-capable plan

Xero Simple

Per month

£7

Per year

unknown

VAT

ex VAT

Notes

Intro: 90% off for first 6 months (£0.70/mo) with promo code. For non-VAT sole traders and landlords; 10 invoices. Monthly billing; FAQ suggests no annual option. Next tier Ignite £18/mo (up from £16 on 1 Sep 2026).

Landlord pricing

Simple is positioned for landlords too. No separate landlord plan.

Agent/accountant pricing

unknown. Xero partner pricing not public.

Really free?

Quarterly updates free

no (30-day trial)

Tax return (final declaration) free

no

Limits

n/a

Bank account condition

n/a

Time limit

30-day trial

Landlords and spreadsheets

Jointly owned property

unknown. No Xero page found documenting an ownership-split feature; third-party guidance (Provestor, AccountingWEB) describes manual workarounds.

Excel bridging

n/a

Google Sheets bridging

n/a

CSV import

n/a

Bridging notes

Not bridging software (HMRC listing: bridging 'Not included').

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