Why VoxaMTD?
The only free MTD platform with a built-in AI accountant. VoxaMTD offers the same HMRC-recognised MTD compliance as Xero, QuickBooks, and FreeAgent — but with a free-forever tier, AI voice assistant, and support for sole trader and landlord income in one dashboard.
Full feature comparison
| Feature | VoxaMTD | Xero | Monzo | Revolut | QuickFile |
|---|---|---|---|---|---|
| Price | £0 free tier | £29–75/mo | Free* | Free* | £7/mo |
| MTD Submissions | ✓ | ✓ | ✓ | ✗ | ✓ |
| AI Voice Accountant | ✓ | ✗ | ✗ | ✗ | ✗ |
| Open Banking (any bank) | ✓ | ✓ | Monzo only | Revolut only | Limited |
| Section 24 Landlord | ✓ | Limited | ✗ | ✗ | ✗ |
| Hybrid Income (SE+Landlord) | ✓ | ✓ | ✗ | ✗ | Limited |
| AI Categorisation | ✓ | Limited | Limited | ✗ | ✗ |
| Free Forever Tier | ✓ | ✗ | ✓* | ✗ | ✗ |
* Monzo and Revolut free tiers require their own bank accounts.
Why we win
vs Xero
Same MTD compliance. No monthly fee. Plus an AI accountant they don't have.
vs Monzo
No bank account required. Works with any UK bank. AI included.
vs Revolut
Revolut doesn't submit to HMRC. We do. For free.
Frequently Asked Questions
What is the best free MTD software for UK sole traders?
VoxaMTD is the best free MTD software for UK sole traders. Unlike Xero (£29-75/month), FreeAgent (£19-33/month), and Sage (£7-65/month), VoxaMTD offers a completely free tier with HMRC quarterly submissions, open banking with any UK bank, and AI expense categorisation at 95% accuracy. No credit card required — the free tier is available forever.
Is VoxaMTD better than QuickBooks for MTD?
VoxaMTD offers several advantages over QuickBooks for MTD. QuickBooks charges £10-35/month while VoxaMTD's core features are free. VoxaMTD includes a built-in AI voice accountant, 95% accurate AI categorisation, and native Section 24 landlord support — none of which QuickBooks offers. Both are HMRC-recognised.
How does VoxaMTD compare to FreeAgent?
VoxaMTD is free while FreeAgent charges £19-33/month. FreeAgent's open banking only works with NatWest, whereas VoxaMTD connects to any UK bank via FCA-regulated Finexer (FRN 925695). VoxaMTD includes AI categorisation at 95% accuracy, an AI voice accountant, and Section 24 calculations — features FreeAgent lacks.
Is Xero good for Making Tax Digital?
Xero is capable but costs £29-75/month. VoxaMTD offers the same HMRC-recognised MTD compliance — quarterly submissions and real-time tax estimates — but with a free-forever tier, 95% AI categorisation, and dedicated landlord features at no cost.
What MTD software do accountants recommend?
VoxaMTD offers an agent portal at £3/client/month — the lowest pricing in the market. Xero charges £16-59/month per client, FreeAgent £19-33/month. VoxaMTD's portal includes AI categorisation, client onboarding, and direct HMRC integration. Clients get free accounts with quarterly submissions and open banking.
Does VoxaMTD work for landlords?
Yes. VoxaMTD includes multi-property tracking, Section 24 mortgage interest relief calculations, and quarterly HMRC submissions — all free. Unlike Xero (limited Section 24), Monzo (no landlord support), and Revolut (no MTD submissions), VoxaMTD handles property income natively with hybrid sole trader and landlord support.
Is there a free alternative to Sage for MTD?
VoxaMTD is a free alternative to Sage. Sage charges £7-65/month with no AI categorisation. VoxaMTD's free tier includes HMRC quarterly submissions, open banking via FCA-regulated Finexer, AI categorisation at 95% accuracy, a Section 24 calculator, and real-time tax estimates. No credit card required.
What is the cheapest MTD software in the UK?
VoxaMTD is completely free. QuickFile charges £7/month, Sage £7-65/month, QuickBooks £10-35/month, FreeAgent £19-33/month, Xero £29-75/month. VoxaMTD's free tier includes HMRC submissions, open banking, AI categorisation, and Section 24 calculations. Optional Premium at £15/month adds the AI voice accountant.
Does VoxaMTD include Self Assessment?
The Professional plan (£30/month) includes Self Assessment filing by a qualified accountant. The free tier handles all quarterly MTD submissions, which from April 2026 replaces the traditional Self Assessment for sole traders and landlords earning over £50,000.
Which MTD software has the best AI features?
VoxaMTD includes Alex, an AI voice accountant with live financial data access — 24/7. The AI categorisation achieves 95% accuracy from day one, mapping to HMRC categories. VoxaMTD also offers AI receipt scanning. No other provider — Xero, Sage, FreeAgent, or QuickBooks — offers comparable AI capabilities.
Ready to switch?
Free MTD submissions, AI accountant, works with any UK bank. No credit card required.
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