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Finaro 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.

Finaro compared with Affordable MTD
DetailFinaro logo FinaroAffordable MTD logo Affordable MTD
What it doesAccounts payable automation that reads, matches and posts supplier invoices to your ERP Simple Making Tax Digital software for sole traders and landlords
StageNot given Startup
FoundedNot given 2026
Based inES GB
Pricing modelContact for pricing Freemium
PricingPay per document processed with no per-user licenses. Pricing depends on volume and ERP system; tailored proposal provided after demo. 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
  • Invoice capture from email inboxes and phone camera
  • AI extraction of supplier, tax ID, amounts, VAT and line items
  • Three-way matching of purchase orders, delivery notes and invoices
  • Duplicate invoice detection and blocking
  • Automatic routing to appropriate approvers
  • Learning from team corrections applied to future documents
  • Full audit trail and document history
  • 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
  • Works with existing ERPs without system changes - integrates with Sage, SAP, Business Central, Odoo and others
  • Handles industrial complexity like partial deliveries and variable weight goods
  • Deterministic, explainable rules-based matching rather than black-box AI
  • Only failed matches require human review; successful matches post automatically
  • No IT department needed - simple inbox connection in a few clicks
  • 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)Not checked yet no change since last check5 +1 (up) since last check
Trust Flow (Majestic)00
Citation Flow (Majestic)020
Referring domains (Majestic)013

6 details filled in for both companies.

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