Affordable MTD vs VitalTax
Both are bridging tools for Making Tax Digital for Income Tax.
Affordable MTD is the cheaper starting point at from £19.99/yr (VAT included) versus from £36/yr for VitalTax — but the cheapest plan only wins if it covers the income types you actually have.
| Affordable MTD | VitalTax | |
|---|---|---|
| True annual cost from | from £19.99/yr | from £36/yr |
| Self-employment | Yes | Yes |
| Property / rent | Yes | Yes |
| Keeps your spreadsheet | Yes | Yes |
| Accountant access | No | Yes |
| Type | bridging | bridging |
| HMRC status | Recognised | Recognised |
| Price verified | 2026-11-06 | 2026-10-26 |
Affordable MTD
Bridging software that does one job: quarterly updates and the final declaration for self-employment and UK property, typed in or imported from a spreadsheet. Free until April 2027, then one of the lowest prices of any paid tool here.
- People who keep their own digital records and want a very low price
- Sole traders and landlords who just need to file
VitalTax
An add-in that lives inside Excel or Google Sheets. No new app to learn — file straight from the spreadsheet you already use.
- Excel / Google Sheets users
- People who don't want to learn new software
Not sure either is right? Use the finder to get a recommendation ranked by what it will actually cost you.
Prices are each tool's cheapest plan, VAT included, last verified 6 November 2026 (catalogue reconciled 26 October 2026). Links are affiliate links and never affect ranking. Not affiliated with HMRC; not tax advice.