Xero
Simple plan for businesses not registered for VAT; Ignite and above for everyone else.
Price snapshot
From £7 a month + VAT if you are not VAT-registered
| Plan | Price | What the page says it covers |
|---|---|---|
| Simple Businesses not registered for VAT | £7 a month plus VAT | Page says MTD for Income Tax, not which submissions £0.70 a month for the first 6 months |
| Ignite | £18 a month plus VAT | Page says MTD for Income Tax, not which submissions £1.80 a month for the first 6 months |
| Grow | £39 a month plus VAT | Page says MTD for Income Tax, not which submissions £3.90 a month for the first 6 months |
Simple | £0.70 per month excl. VAT | Then £7 per month | For non-VAT registered businesses — help with basic accounting, including MTD for Income Tax.
Read on the vendor’s pricing page or FAQ on 26 October 2026. Prices change and offers end; the vendor's page is the final word. How we check prices.
What it covers for MTD
| Self-employment | Yes |
|---|---|
| UK property | Yes |
| Foreign property | Yes |
| How you keep records | In the software |
| Quarterly updates | Yes |
| Submits your tax return | Yes |
| Standard and calendar update periods | Ready now / Ready now |
| Accountant access | Ready now |
| Also does MTD for VAT | Ready now |
| HMRC Assist (submission feedback) | Not included |
| Runs on | Web browser (Windows, macOS, Linux, iOS, Android) |
Other parts of your tax return
The product that submits your tax return must cover that whole return, including income outside your business. You can use different products for separate submissions, but each individual submission must go through one product. Confirm this with the provider before choosing.
| A job (PAYE income) | In development |
|---|---|
| UK savings interest | Ready now |
| UK dividends | Ready now |
| State Pension | In development |
| Private pension income | In development |
| Partnership income | In development |
| Construction Industry Scheme (CIS) | Ready now |
| Capital gains | In development |
| Pension contributions | Ready now |
| Gift Aid donations | Ready now |
| Student loan repayments | Ready now |
| High Income Child Benefit Charge | Ready now |
| Marriage Allowance | Ready now |
| Voluntary Class 2 National Insurance | Ready now |
| Foreign dividends | Ready now |
| Foreign interest | Ready now |
Promised, not ready yet: A job (PAYE income), State Pension, Private pension income, Partnership income, Capital gains.
Accessibility support listed with HMRC
- Sight loss: Not included
- Hearing loss: Not included
- Physical difficulties: Not included
- Cognitive impairments: Not included
Features from HMRC's listing for Xero, captured 24 October 2026. "In development" means the vendor has promised it for the 2026 to 2027 tax return.
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