Making Tax Digital for Income Tax started April 2026. Unlike Xero, Sage or QuickBooks — AccTek doesn't just give you software and leave you to it. We do everything for you.
From 6 April 2026, if you earn over £50,000 from self-employment or rental income, you are legally required to keep digital records and submit quarterly updates to HMRC — replacing the old annual Self Assessment return.
This means four submissions per year, a Final Declaration in January, and HMRC-approved software from day one. If you miss a submission, you earn penalty points. Accumulate four and a £200 fine triggers — with more to follow.
Phase 2 (£30,000+ income) follows in April 2027, and Phase 3 (£20,000+) is expected around 2028. The direction of travel is clear: digital record-keeping for almost every self-employed person and landlord in the UK.
The question isn't whether MTD applies to you — it's whether you handle it yourself with software, or hand it to an accountant who does it all for you.
Xero, Sage, QuickBooks and Anna Money give you tools. AccTek gives you an accountant who uses those tools on your behalf.
| Feature | ⭐ AccTek | Xero / QuickBooks | Sage | Anna Money / Monzo |
|---|---|---|---|---|
| Files your quarterly returns for you | ✓ Yes | ✗ You file | ✗ You file | ✗ You file |
| Handles HMRC registration | ✓ Yes | ✗ You do it | ✗ You do it | ✗ You do it |
| Real accountant reviews your records | ✓ Included | ✗ No accountant | ~ Add-on cost | ✗ No accountant |
| Files your Final Declaration (year-end) | ✓ Yes | ✗ You file | ✗ You file | ✗ You file |
| Configures Xero on your behalf | ✓ Yes | ~ You configure | ~ You configure | ✗ Different software |
| Landlord & sole trader specialist | ✓ Core focus | ~ Generic platform | ~ Generic platform | ~ Business banking focus |
| Call, WhatsApp or email support | ✓ All three | ~ Ticketing only | ~ Ticketing only | ~ App chat only |
| Fixed monthly fee (no hourly billing) | ✓ From £19.99/mo | ~ Software fee only | ~ Software fee only | ~ Varies |
| Overseas rental property support | ✓ Yes | ~ Software only | ~ Software only | ✗ Limited |
Start with a free consultation. We handle everything from there — you just connect your bank.
No obligation. A real AccTek accountant will review your MTD position and tell you exactly what you need to do — and what we can do for you.
Fill in your details and we'll call you back within 1 working day to book your consultation.
A 60-minute call with a qualified AccTek accountant. We'll review your income sources, confirm whether MTD applies now or later, walk through your quarterly return obligations, and give you a clear action plan — all at no cost and with no obligation to sign up.
