MTD Ready for 2026

Tax & Bookkeeping

Handled.

MTD123 keeps your books done and your tax compliant — all for one simple monthly fee.

Get Started

Real Clients. Real Bookkeepers. Real Support.

Built for the self-employed. Not accountants.

From landlords to drivers, builders to freelancers — if you work for yourself, we handle your books and keep you MTD compliant. You earn the money. We handle the paperwork.

From landlords to drivers, builders to freelancers — if you work for yourself, we handle your books and keep you MTD compliant. You earn the money. We handle the paperwork.

From landlords to drivers, builders to freelancers — if you work for yourself, we handle your books and keep you MTD compliant. You earn the money. We handle the paperwork.

Drivers

Drivers

Hairdressers

Hairdressers

Builders

Builders

Freelancers

Freelancers

Creatives

Creatives

Landlords

Landlords

Making Tax Digital

What It Means for You


Digital Records

Digital Records

All income and expenses must be kept digitally throughout the year.

All income and expenses must be kept digitally throughout the year.

Quarterly Updates

Quarterly Updates

Income figures must be submitted to HMRC every three months.

Income figures must be submitted to HMRC every three months.

Final Declaration

Final Declaration

A final end-of-year submission confirms your tax position.

A final end-of-year submission confirms your tax position.

More reporting. More deadlines. More room for mistakes.

More reporting. More deadlines. More room for mistakes.

More reporting. More deadlines. More room for mistakes.

Three Steps. That’s It.

Here's how it works

1

Sign up

Quick registration. No complicated forms.

1

Sign up

Quick registration. No complicated forms.

1

Sign up

Quick registration. No complicated forms.

2

Connect Your Bank

Securely link your bank account. We’ll take it from there.

2

Connect Your Bank

Securely link your bank account. We’ll take it from there.

3

Sorted.

We keep your books done and your tax compliant — all year round.

3

Sorted.

We keep your books done and your tax compliant — all year round.

Who’s Behind MTD123

Built for the Self-Employed, Freelancers and Landlords

MTD123 was created by two accountants who saw Making Tax Digital coming — and knew most self-employed people didn’t want more software to manage. Most solutions still expect you to do the bookkeeping yourself. We built MTD123 differently. A fixed-fee service where real humans keep your books up to date, file your submissions properly, and make sure you stay compliant — without adding more work to your week.


Simple. Straightforward. Handled.

Simple. Straightforward. Handled.

Simple. Straightforward. Handled.

Andy Smith | Co-Founder

Over 12 years advising self-employed businesses and landlords, focused on practical, no-nonsense compliance that actually works in the real world.

Marcus Howarth | Co-Founder

Works closely with tradespeople, freelancers and property owners, helping them stay compliant without spending their evenings doing bookkeeping.

Sophie Malik

Property Landlord

I was dreading Making Tax Digital, but MTD123 made it simple. I connected my bank and that was it. My bookkeeping stays up to date and my submissions are sorted without me chasing anything.

"

Sophie Malik

Property Landlord

I was dreading Making Tax Digital, but MTD123 made it simple. I connected my bank and that was it. My bookkeeping stays up to date and my submissions are sorted without me chasing anything.

"

Sophie Malik

Property Landlord

I was dreading Making Tax Digital, but MTD123 made it simple. I connected my bank and that was it. My bookkeeping stays up to date and my submissions are sorted without me chasing anything.

"

James Turner

Self-Employed Electrician

I used to spend Sunday nights stressing over my books. Now I don’t even think about it. They just handle everything and tell me if they need something. Best decision I’ve made for my business.

"

James Turner

Self-Employed Electrician

I used to spend Sunday nights stressing over my books. Now I don’t even think about it. They just handle everything and tell me if they need something. Best decision I’ve made for my business.

"

James Turner

Self-Employed Electrician

I used to spend Sunday nights stressing over my books. Now I don’t even think about it. They just handle everything and tell me if they need something. Best decision I’ve made for my business.

"

Pricing

One Fixed Fee. Everything Handled.

One Fixed Fee. Everything Handled.

One Fixed Fee. Everything Handled.

£49

/month

Everything you need. Nothing extra.

MTD Ready for 2026

Get Started

What's included

Full Bookkeeping — Done for You

Quarterly MTD Submissions

Final Self Assessment Submission

Fee Protection Insurance

Dedicated Support

Rachel Hughes

Website Designer

I was paying more before and still doing half the work myself. Now it’s all handled. My books are up to date and I don’t stress about tax anymore.

"

£49

/month

MTD Ready for 2026

Get Started

What's included

Full Bookkeeping — Done for You

Quarterly MTD Submissions

Final Self Assessment Submission

Fee Protection Insurance

Dedicated Support

Rachel Hughes

Website Designer

I was paying more before and still doing half the work myself. Now it’s all handled. My books are up to date and I don’t stress about tax anymore.

"

£49

/month

Everything you need. Nothing extra.

MTD Ready for 2026

Get Started

What's included

Full Bookkeeping — Done for You

Quarterly MTD Submissions

Final Self Assessment Submission

Fee Protection Insurance

Dedicated Support

Rachel Hughes

Website Designer

I was paying more before and still doing half the work myself. Now it’s all handled. My books are up to date and I don’t stress about tax anymore.

"

FAQ

Your Questions, Answered

Still unsure? We’ll happily answer your questions.

Get Started

Or, contact us at here

Do I need to do my own bookkeeping?

No. Once you connect your bank, we handle the bookkeeping for you. We’ll only contact you if we need clarification on something specific.

What do I need to get started?

Just basic details about your business and a secure bank connection. The onboarding is simple and we guide you through it.

Is this really compliant with Making Tax Digital?

Yes. We handle your quarterly MTD submissions and year-end filing in line with HMRC requirements.

What if I’m behind on my bookkeeping?

That’s fine. We can bring you up to date before moving you onto the monthly service.

Are there any hidden fees?

No. The £49 monthly fee includes bookkeeping, MTD submissions and your year-end Self Assessment. If anything extra is ever needed, we’ll always discuss it first.

What happens if HMRC contacts me?

You let us know. We’ll guide you through it, and fee protection is included for added peace of mind.

Can I cancel anytime?

Yes. There are no long-term contracts.

Why is it only £49 per month?

Because we’ve built a streamlined system designed specifically for self-employed businesses. It keeps costs predictable while still giving you real human support.

Do I need to do my own bookkeeping?

No. Once you connect your bank, we handle the bookkeeping for you. We’ll only contact you if we need clarification on something specific.

What do I need to get started?

Just basic details about your business and a secure bank connection. The onboarding is simple and we guide you through it.

Is this really compliant with Making Tax Digital?

Yes. We handle your quarterly MTD submissions and year-end filing in line with HMRC requirements.

What if I’m behind on my bookkeeping?

That’s fine. We can bring you up to date before moving you onto the monthly service.

Are there any hidden fees?

No. The £49 monthly fee includes bookkeeping, MTD submissions and your year-end Self Assessment. If anything extra is ever needed, we’ll always discuss it first.

What happens if HMRC contacts me?

You let us know. We’ll guide you through it, and fee protection is included for added peace of mind.

Can I cancel anytime?

Yes. There are no long-term contracts.

Why is it only £49 per month?

Because we’ve built a streamlined system designed specifically for self-employed businesses. It keeps costs predictable while still giving you real human support.

Making Tax Digital. Made Simple.

MTD, Sorted

Connect your bank. We’ll handle your bookkeeping and tax compliance from there.

Get Started

© MTD123

Making Tax Digital. Made Simple.

MTD, Sorted

Connect your bank. We’ll handle your bookkeeping and tax compliance from there.

Get Started

© MTD123

Making Tax Digital. Made Simple.

MTD, Sorted

Connect your bank. We’ll handle your bookkeeping and tax compliance from there.

Get Started

© MTD123