AI bookkeeping and financial analysis for founders
Simple Making Tax Digital software for sole traders and landlords
Stage
Not given
Startup
Founded
Not given
2026
Based in
Not given
GB
Pricing model
Freemium
Freemium
Pricing
Solo plan from $49/month, Custom plan available. Free tier available with no credit card required.
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
Automated bookkeeping and transaction categorization
24/7 financial monitoring and anomaly detection
Runway, burn rate, and cash flow tracking
Bank statement and report sync
Voice and Gmail-based expense logging
AI receipt and invoice scanner
Compliance engine with local tax rules
Export-ready reports and audit trail
SOC 2 Type II and GDPR compliance
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
Natural language financial analysis through AI CFO-like interface
Fully automated bookkeeping without manual spreadsheets or reconciliation
Built specifically for founders with no accountant overhead
Enterprise-grade security with zero-trust access model
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
Montty
Affordable MTD