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Affordable MTD vs BankToRows

A side-by-side comparison built from both listings. Blank cells mean the company has not given that detail; we never guess.

Affordable MTD compared with BankToRows
DetailAffordable MTD logo Affordable MTDBankToRows logo BankToRows
What it doesSimple Making Tax Digital software for sole traders and landlords Convert PDF bank statements to Excel, CSV, QuickBooks and other formats with balance verification
StageStartup Not given
Founded2026 Not given
Based inGB Not given
Pricing modelFreemium Freemium
PricingFree for the entire 2026-27 tax year (6 April 2026 to 5 April 2027). From 2027-28 onwards: £19.99 per year. No VAT currently added, no per-submission fees, no tiers. Free: one statement at a time with all converters, balance check, editing and reconciliation report. Pro: $19 a month or $149 a year for batch conversion of up to a year of statements at once.
Key features
  • Quarterly updates for self-employment income
  • Quarterly updates for UK property income including residential finance costs
  • CSV and Excel import with column mapping
  • AI categorisation of transactions into HMRC categories
  • AI pre-submission review to catch errors before HMRC
  • Standard or calendar quarters, chosen per tax year
  • Annual adjustments and final declaration
  • HMRC Assist feedback shown with tax estimate
  • Audit-ready records with timestamps and references
  • Consolidated expenses support for turnover under £90,000
  • Automatic balance verification to the cent
  • Support for multiple bank statement formats
  • Batch conversion for up to a year of statements
  • Process files in browser without uploading
What makes it different
  • Simplest MTD software, built specifically for sole traders and landlords
  • No banking, VAT, invoicing or payroll - just the tax bit
  • AI automatically sorts expenses into HMRC categories
  • No bank templates required; automatically detects transaction tables
  • Complete privacy: all processing happens in your browser
  • Verifies every transaction adds up to printed balances
  • Free tier includes all converters and balance checking
  • Handles unusual date formats and wrapped descriptions
Community votes00
DR (Domain Rating by Ahrefs)5 +1 (up) since last checkNot checked yet no change since last check
Trust Flow (Majestic)00
Citation Flow (Majestic)2017
Referring domains (Majestic)131

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