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payed.me 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.

payed.me compared with Affordable MTD
Detailpayed.me logo payed.meAffordable MTD logo Affordable MTD
What it doesFree, powerful invoicing for small businesses Simple Making Tax Digital software for sole traders and landlords
StageNot given Startup
FoundedNot given 2026
Based inGB GB
Pricing modelFreemium Freemium
PricingFree plan: $0/month with 5 invoices per month, 3 saved clients, 1 team member, 1 invoice template. Basic: $9.99/month (or $8.33/month billed yearly at $99.99) with 100 invoices per month, 25 saved clients, 2 team members, 2 invoice templates. Professional: $19.99/month (or $16.67/month billed yearly 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
  • Create invoices with custom numbering and templates
  • AI assistant for invoicing and quote management
  • Accept credit and debit card payments on invoices
  • Automatic payment reminders for overdue invoices
  • Time and expense tracking with automatic invoicing
  • Inventory and stock management with purchase requests
  • Team collaboration with role-based access controls
  • Multi-currency invoicing and payment processing
  • Financial reports and revenue tracking by customer
  • Issue receipts and credit notes linked to invoices
  • 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
  • Automatic invoicing of tracked time, expenses and mileage in one step
  • Free plan includes 5 invoices per month with no credit card required
  • All plans include online payments, quotes, and automatic reminders
  • Client data never shared with AI provider for privacy protection
  • 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)20
Citation Flow (Majestic)2120
Referring domains (Majestic)1613

6 details filled in for both companies.

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