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Chargd vs Affordable MTD

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

Chargd compared with Affordable MTD
DetailChargd logo ChargdAffordable MTD logo Affordable MTD
What it doesInvoicing software you buy once and own forever Simple Making Tax Digital software for sole traders and landlords
StageNot given Startup
FoundedNot given 2026
Based inNot given GB
Pricing modelPaid Freemium
PricingFree tier with up to 5 clients and core features. Pro: $49 one-time payment, unlimited clients and invoices, includes all 11 templates, recurring invoices, credit memos, reports, and bulk PDF export. Free 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.
Key features
  • Quote to invoice conversion in one tap
  • Works completely offline on Mac
  • Automatic tax calculation
  • Recurring invoices
  • Client management and organization
  • Payment tracking and recording
  • Multiple invoice templates
  • PDF export and generation
  • Multi-currency support
  • Revenue and tax reports
  • 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
What makes it different
  • No subscription, pay once and own forever
  • Completely offline with no server dependency
  • All data stored locally, nothing uploaded anywhere
  • No account or login required
  • 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
Community votes00
DR (Domain Rating by Ahrefs)2 +1 (up) since last check5 +1 (up) since last check
Trust Flow (Majestic)190
Citation Flow (Majestic)2320
Referring domains (Majestic)4913

5 details filled in for both companies.

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