Stop wrestling spreadsheets.
Start closing the books.
AccountLayer is real double-entry accounting for UK small businesses — invoicing, bank reconciliation and VAT returns filed straight to HMRC. Migrate from Xero in minutes.
- No card required
- MTD-ready
- Free Xero import
Cash
£42,180.50
Profit (YTD)
£18,920.00
VAT due
£3,540.00
Recent invoices
This month
| INV-1042 | Bob Ltd | £1,200.00 | Paid |
| INV-1043 | Castle Joinery | £3,540.00 | Due |
| INV-1044 | Delta Studio | £640.00 | Draft |
VAT return · Q1
Box 5 · £3,540.00
Making Tax Digital
File VAT to HMRC
True double-entry
A real ledger, not a list
Free Xero migration
Bring your history
Multi-business
One login, many books
Everything your books need
One tidy place for the whole cycle
From the first quote to the VAT return — recorded once, balanced automatically, and ready for HMRC.
Invoicing & quotes
Raise quotes and invoices, send them, and watch them post to the ledger on approval.
Bills & expenses
Record supplier bills and expenses with the VAT split handled for you.
Bank import & reconcile
Import CSV or OFX statements, match transactions, and apply rules.
VAT returns & MTD
Nine-box returns built from the ledger and filed straight to HMRC.
Reports that balance
Profit & loss, balance sheet, trial balance and aged debtors — always reconciled.
Fixed assets
An asset register with straight-line and reducing-balance depreciation.
Multi-business
Switch between businesses under one login — built for accountants.
Open API
A REST API so your other tools can read and write invoices, customers and payments.
Up and running in three steps
Import from Xero
Connect your Xero organisation and bring your chart of accounts, contacts and balances across.
Record day-to-day
Invoice customers, enter bills, and reconcile the bank. Every entry balances the ledger.
File VAT to HMRC
Review the nine boxes, add the declaration, and submit your return — Making Tax Digital, done.
HMRC, handled
Making Tax Digital, built in
AccountLayer keeps digital records and submits your VAT return directly to HMRC's Making Tax Digital Service — no bridging spreadsheets, no copy-paste. Cash or accrual basis, with the liability posted back to your ledger automatically.
Get MTD-readyPricing
Simple plans, no surprises
Every plan includes the full double-entry ledger. One business per subscription — and every extra business you run is 25% off, automatically. Prices exclude VAT.
Sole Trader
For sole traders not yet VAT registered.
£7 /mo per business
- Sales invoices & quotes
- Expenses & bank reconciliation
- Profit & loss and balance sheet
- Add VAT the day you register
Starter
For VAT-registered small businesses.
£14 /mo per business
- Everything in Sole Trader
- VAT returns filed to HMRC (MTD)
- Fixed assets & depreciation
- Free Xero migration
Pro
For accountants & growing teams.
£29 /mo per business
- Everything in Starter
- Team users & roles
- Open REST API access
- Priority support
Already use CalloutWMS?
Connect it to AccountLayer and your subscription drops by 25% — applied automatically for as long as you're connected.
Integrations
Plays well with your stack
Xero
ImportMigrate your organisation in — accounts, contacts, invoices and balances.
HMRC
MTDFile VAT returns directly through Making Tax Digital.
CalloutWMS
−25%Connect your work management system and save 25% on AccountLayer.
Developers
APIA REST API (OAuth2) for invoices, customers and payments.
Building an integration? Read the API reference.
Frequently asked
Is AccountLayer Making Tax Digital compatible?
Yes. AccountLayer keeps digital VAT records and submits returns directly through HMRC's MTD for VAT API, on either a cash or accrual basis.
Can I move across from Xero?
Yes — connect your Xero organisation and we import your chart of accounts, contacts, invoices, bank transactions and opening balances, idempotently and safely.
Is my financial data secure?
Access is permission-scoped per business, sensitive tokens are encrypted at rest, and optional two-factor authentication protects every login.
Can I run more than one business?
Yes. Switch between businesses under a single login — built for owners with several entities and for accountants with many clients. Each subscription covers one business, and every additional business you run is 25% off automatically.
Do I need the VAT plan if I am not VAT registered?
No. Sole traders who are not VAT registered can start on the Sole Trader plan without VAT or MTD. The day you register for VAT, move up to Starter and file straight to HMRC.
Is there an API?
Yes. A REST API (OAuth2 authorization-code with PKCE) lets approved apps read and write invoices, customers and payments. See the API reference.
How much does it cost?
Plans start at £7/mo for non-VAT sole traders, £14/mo with VAT & MTD filing, and £29/mo for teams. Every extra business is 25% off, and connecting CalloutWMS saves a further 25%. No card required to start.
Start keeping clean books today
Set up your business, raise your first invoice, and see your VAT return build itself. No card required.
Create your free account