Making Tax Digital Comparison
Xero MTD vs AccountsOS
Searching "Xero 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 | Xero | AccountsOS |
|---|---|---|
| MTD for VAT | HMRC-recognised (per Xero) | 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 | Xero says its plans are "MTD for Income Tax ready" | Not yet recognised. In progress. |
| Price (ex VAT) | Simple £7, Ignite £18, Grow £39, Comprehensive £55, Ultimate £70 from 1 Sep 2026 (xero.com/uk/pricing-plans/updates, 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 Xero suits
Businesses that want a large app ecosystem and an accountant who works in Xero. Xero's Simple plan covers non-VAT sole traders.
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 Xero comparison • MTD software guide • MTD checker • Pricing • Xero alternatives • Switch from Xero
Frequently Asked Questions
Is AccountsOS HMRC-recognised?
Does AccountsOS do MTD for Income Tax?
Can I move from Xero?
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.