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Affordable MTD vs Heft

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 Heft
DetailAffordable MTD logo Affordable MTDHeft logo Heft
What it doesSimple Making Tax Digital software for sole traders and landlords Your bookkeeping, done for you
StageStartup Not given
Founded2026 Not given
Based inGB NL
Pricing modelFreemium Paid
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. Receipt agent €49/month for up to 150 payments a month, Receipt agent Plus €99/month for up to 300 payments a month. Billed monthly from day one, plus VAT or sales tax where it applies. Cancel any time, effective at the end of the month. In the eurozone you pay in euros, everywhere else in US dollar
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 receipt fetching from email and supplier portals
  • Receipt-to-payment matching
  • Portal login handling without fixed list
  • Monthly bookkeeping with accountant handover
  • DATEV export for German accountants
  • VAT returns through ELSTER
  • Subscription tracking and cancellation
  • Read-only bank access with fraud detection
  • Chat interface for spending questions
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
  • Fetches invoices directly from supplier portals without a fixed list, handling portal login automation
  • Processes data in the EU with GDPR compliance and no AI training on your data
  • Full bookkeeping for German companies including tax returns and annual accounts
  • Works across multiple banks in Germany, neighboring countries and the US
Community votes00
DR (Domain Rating by Ahrefs)5 +1 (up) since last check12 no change since last check
Trust Flow (Majestic)016
Citation Flow (Majestic)2030
Referring domains (Majestic)1395

6 details filled in for both companies.

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