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Clerk.AI 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.

Clerk.AI compared with Affordable MTD
DetailClerk.AI logo Clerk.AIAffordable MTD logo Affordable MTD
What it doesBookkeeping prep for your accountant, on your own computer Simple Making Tax Digital software for sole traders and landlords
StageNot given Startup
FoundedNot given 2026
Based inFI GB
Pricing modelFreemium Freemium
PricingPay what you decide from €0/month. Suggested prices: €20/month covers private channels, €1+ to disable favor requests, €5+ for private community channels, €50+ for business listing on homepage, €150+ for monthly 1:1 sessions, €500+ for official sponsorship, €2,000+ no additional benefits, €10,000 fo 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
  • Automatic bank statement collection from multiple accounts
  • Receipt matching to transactions using AI
  • Document naming and organization according to accountant preferences
  • Automatic supplier billing portal access for missing receipts
  • Multi-language email generation for accountants
  • Works with any website accessible in a browser with no integrations required
  • Runs entirely on user's computer with no cloud storage of financial data
  • Supports macOS 14 or later and Windows 10 or later
  • Asks user for approval on ambiguous decisions rather than guessing
  • Voice input for answering questions via phone or Mac
  • 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 integrations—works with any bank or website accessible in a browser
  • Runs entirely on your computer with no cloud access to financial data
  • Pay what you decide pricing model including free option
  • Accountant requires no new software, account, or format changes
  • Learns from corrections to improve future months automatically
  • 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)12 +8 (up) since last check5 +1 (up) since last check
Trust Flow (Majestic)00
Citation Flow (Majestic)2520
Referring domains (Majestic)1313

6 details filled in for both companies.

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