MTD ITSA 2026
Prepare earlier for MTD 2026
without giving up control
MTD 2026 pushes digital record-keeping into the year, not just year-end. xontax helps you build clear, bank-first records so your data is in shape before deadlines, and every suggestion stays changeable.
By V. Cosma · Updated May 2026
Review-first and deadline-aware: structure decisions as you go so review stays calm and filing stays clearer.
Public beta: no live filing to HMRC yet
xontax is in development. You can connect your bank, review categories, and use AI suggestions. Sending tax returns to HMRC is not available yet, but we are working on it.
Please share as much feedback as you can to help us make xontax better.
Running a limited company? Income Tax MTD on this page is about personal trade and property records. Your company's VAT and books live in the limited company area of the app. Read How it works for both pockets, or join the beta.
What changes in April 2026
More ongoing structure
The workflow expectations move further into regular digital recordkeeping, not only a year-end clean-up.
Less “stitch it later”
Waiting until the end makes it harder to keep decisions consistent and reviewable as your business data evolves.
More review checkpoints
A calm process depends on seeing what needs judgement early, with clear reasons and traceable decisions.
Who is affected
Sole traders
If you live in spreadsheets or only tidy up when things get urgent, you will feel it when HMRC expects records through the year.
Landlords
Ongoing rental income and expense patterns need ongoing visibility, so review stays manageable as the year moves on.
Spreadsheets and doing it all by hand
If you spend March cleaning up the year, moving to ongoing review gets harder the closer rules get to “little and often”.
Accountant-heavy, late-stage workflows
If your accountant only appears in January, you have been going eleven months without visibility. xontax is built for the whole year.
Why manual workflows break
Spreadsheets get fragile
It’s easy for data to drift when you patch things together across weeks and months.
Year-end clean-up is stressful
You lose clarity about where decisions came from, and review gets harder.
Categorisation takes time
Manual mapping is slow, and it’s hard to maintain consistent rules.
Reactive workflows create bottlenecks
If review happens late, you end up scrambling just when the data needs attention.
The missing piece is visibility
A good workflow shows your decisions early, explains them, and keeps them traceable, so you can review calmly before you take action.
Setup expectation
Bank-first data capture, reviewable decisions
That’s the architecture xontax is built around.
What software needs to do
Capture from the bank first
Anchor your workflow to real transactions, not manually reconstructed records.
Keep decisions reviewable
Make key steps understandable and amendable before you move forward.
Stay deadline-aware
Structure your workflow so you can see what needs review without last-minute panic.
How xontax helps
xontax is designed for ongoing clarity. It starts from your bank data, shows explainable AI suggestions, and flags uncertain items for you to check, so filing is built from decisions you can stand behind.
Proactive tax visibility, with human control
You review and amend. xontax prepares reviewable, submission-ready workflow data from what you approve.
Filing workflow
Prepared, reviewable, and deadline-aware
xontax prepares the data from your reviewed decisions. You approve the final step.
xontax maps your review decisions into filing-ready structure.
Uncertain items are surfaced so you can confirm what should be used.
Once you approve, the outcome becomes part of your submission workflow.
You can see what’s coming up, so you’re not scrambling at the last moment.
Ready for early access?
Join the beta and review first
Connect your bank, review explainable suggestions, and amend before your workflow progresses. Built for MTD 2026 readiness.
The AI does the heavy lifting. You keep final say before anything counts toward filing.