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Xero or VoxaMTD for Making Tax Digital?

TL;DR: Xero's Simple plan, £7 a month plus VAT, covers MTD for Income Tax for a sole trader or landlord, and larger plans start at £18. There is no free plan. VoxaMTD's free plan files quarterly updates; it does not cover foreign property. The year-end final declaration is coming before the first one is due (January 2028).
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VoxaMTD vs Xero: feature by feature

Feature VoxaMTD Xero
Free option Free plan: quarterly updates No free plan (one-month trial)
Paid plans (per month) From £8.99 Simple £7, Ignite £18, Grow £39, plus VAT
MTD quarterly updates and tax return Quarterly updates now; final declaration coming before January 2028 Yes, on every plan including Simple
Income covered Sole trader and UK property Sole trader, UK property and foreign property
Receipt capture On paid plans Hubdoc included on all plans
AI features AI categorisation; Alex, a voice AI tax assistant, on paid plans JAX, an AI chat assistant, for all subscribers

Frequently Asked Questions

Is Xero free for MTD?

No. Xero has no free plan. Its Simple plan is £7 a month plus VAT, as listed on 27 September 2026, and includes MTD for Income Tax.

Is Xero listed for Making Tax Digital for Income Tax?

Yes. Xero is listed in HMRC's software finder for quarterly updates and the tax return, covering sole traders, UK property and foreign property.

Does Xero have an AI assistant?

Yes. JAX is an AI chat assistant available to all Xero subscribers, and Xero says it can answer questions including about tax information. Xero does not advertise a voice assistant.

When might VoxaMTD suit better?

If you want to file without a monthly subscription, or you want an AI tax assistant you can talk to by voice on a paid plan. Xero is the better fit if you have foreign property, need VAT or payroll, or your accountant works in Xero.

Can I move from Xero to VoxaMTD?

Yes. HMRC lets you change software at any time. Mid-year, bring this year's records across so your next update, which covers the tax year so far, is complete: VoxaMTD takes a CSV or Excel upload, or you can connect your bank. Keep your old records for at least five years.

Ready to switch from Xero?

Free MTD ITSA submissions, AI categorisation, open banking with any UK bank. No credit card required.

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