HMRC-recognised for MTD ITSA
Xero
Full-featured cloud accounting platform that works well for landlords who also run a limited company or need multi-property reporting.
MTD-ready since 1 April 2025 · Web / iOS / Android
Its current entry first appeared in HMRC's software list data on 30 July 2025. See the HMRC list timeline for what that date means.
The situations where Xero is most likely to make sense
Landlords with multiple properties, sole traders who also need payroll, and anyone already using an accountant on Xero.
What the published plan prices look like
| Plan | Price | Notes |
|---|---|---|
| Simple | £7/mo | excl. VAT; regular price; capped invoicing |
| Ignite | £18/mo | excl. VAT; regular price; 20 invoices / 10 bills per month cap |
| Grow | £39/mo | excl. VAT; regular price; payroll for 1 person included |
| Comprehensive | £55/mo | excl. VAT; regular price |
| Ultimate | £70/mo | excl. VAT; regular price |
A note before you decide
Regular prices include the September 2026 increase. Xero advertises one month free or 90% off for the first six months for eligible new customers. Simple is for non-VAT-registered businesses. Payroll, Expenses and other add-ons depend on the plan.
The practical features that matter for MTD use
The figures on this page were last checked against Xero’s own site on 12 September 2026. Prices exclude VAT unless stated, and they can change, so confirm the current details with the provider before subscribing. Read how Acrenvo compares products.