Making Tax Digital Comparison
Sage MTD vs AccountsOS
Heard Sage's ads and searching "Sage MTD"? Here's a fair side-by-side so you can pick the right fit.
Where each stands on MTD (checked 13 Oct 2026)
| Feature | Sage | AccountsOS |
|---|---|---|
| MTD for VAT | HMRC-recognised (per Sage) | HMRC-recognised record-keeping software for businesses: submit VAT returns, view submitted returns, check what VAT you owe, view payment history On HMRC's list of MTD VAT software (opens gov.uk in a new tab) |
| MTD for Income Tax | Sage says its products are being developed for ITSA, and it promotes Sole Trader Free for MTD | Not yet recognised. In progress. |
| Price (ex VAT) | Sole Trader Free £0. Sole Trader £7. Accounting Start £20, Standard £43, Plus £59 (sage.com/en-gb/pricing, checked 13 Oct 2026) | £10/month self-employed. £20/month UK limited company |
How AccountsOS works
Finn, your AI accountant, works continuously. It categorises transactions, reconciles, and prepares your VAT return. You or your accountant review it and sign before anything goes to HMRC.
Who Sage suits
Sage is a long-established product with a free plan for non-VAT sole traders and broader plans that include payroll and CIS.
Who AccountsOS suits
VAT-registered sole traders and UK limited-company founders who want the books prepared for them, not just a place to type them.
If you need MTD for Income Tax right now, check HMRC's finder for software listed for Income Tax. AccountsOS isn't listed for it yet.
See also: Full Sage comparison • MTD software guide • MTD checker • Pricing • Sage alternatives • Migrate from Sage
Frequently Asked Questions
Is AccountsOS HMRC-recognised?
Does AccountsOS do MTD for Income Tax?
Can I move from Sage?
Does Finn replace my accountant?
Ready to Try AccountsOS?
Free for 14 days. £20/month + VAT for UK limited companies, £10/month + VAT for self-employed.