Xero
Full cloud accounting · by Xero · HMRC-recognised
from £100.80/yr
true annual cost, VAT incl.
Full cloud accounting. The Simple plan is purpose-built for MTD for Income Tax with bank-feed automation, so you do less typing.
At a glance
- Self-employment
- Yes
- Property / rent
- Yes
- Keeps your spreadsheet
- No
- Accountant access
- Yes
- Price verified
- 2026-06-24
- HMRC status
- Recognised
Plans & true annual cost
| Plan | Self-emp. | Property | Per year (incl. VAT) |
|---|---|---|---|
Simple Built for sole traders under MTD for Income Tax; bank feeds and quarterly updates. | ✓ | ✓ | £100.80/yr £84/yr ex-VAT |
Ignite Adds invoicing, bills and fuller reporting. | ✓ | ✓ | £230.40/yr £192/yr ex-VAT |
Best for
- Sole traders who want proper bookkeeping
- People who want bank feeds to do the work
Pricing for Xero was last verified on 24 June 2026 against the vendor's page; the catalogue was reconciled 24 June 2026. The cheapest plan that covers a typical sole trader or landlord is £100.80/year. Links are affiliate links and never affect ranking. Not affiliated with HMRC; not tax advice.