MTD for Income Tax — Live from 6 April 2026

Tax compliance that speaks your language

The UK's first multilingual MTD platform for self-employed and landlords. English, Portuguese, and Spanish — powered by AI, built for real people.

🇬🇧 English
🇧🇷 Português
🇪🇸 Español

Join the waitlist — be first in line

Free early access · No credit card required

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🔒 GDPR compliant · Your data is never sold

VIGIL — Compliance Score
98/100
✓
Q1
✅
Submitted
Q2
⏳
7 Nov
Q3
⏳
7 Feb
Q4
⏳
7 May
INCOME THIS QUARTER +12%
£8,420
68% of quarterly target · 14 transactions
L
LUMEN AI
Your Q1 submission is confirmed ✓ Your next deadline is 7 November. Shall I review your expenses for allowable deductions?
5M+
UK self-employed affected by MTD
£100
Minimum fine per missed quarter
3
Languages supported from day one
24
HMRC MTD APIs integrated
⚠️
Q1 Deadline: 7 August 2026 First quarterly submission under MTD for Income Tax. Are you ready?
--Days
--Hours
--Mins
The situation

MTD is mandatory. The tools aren't ready for you.

Sage and Xero were built for accountants. Not for a Brazilian self-employed cleaner in Southall, or a Portuguese landlord in Slough.

The problem today
❌All compliance tools are English-only — creating a systemic barrier for 1M+ diaspora taxpayers
❌Existing platforms are designed for accountants — confusing, expensive, and overbuilt for individuals
❌HMRC's quarterly deadline system penalises the uninformed with automatic penalty points
❌No WhatsApp-native experience — the primary communication channel for most diaspora communities
❌No AI to explain what's allowable, what's due, or what to do next — in plain language
The MerxTax solution
✅Full platform in English, Portuguese (PT-BR), and Spanish — switching in one tap, everywhere
✅Designed for individuals first — guided flows, plain language, zero accountant jargon
✅VIGIL tracks every deadline and penalty point — you'll never be caught off guard again
✅WhatsApp-native LUMEN AI assistant — snap a receipt, ask a question, submit a return
✅Claude-powered LUMEN AI that explains, categorises, and reminds — in your language, always
Platform modules

Everything you need. Nothing you don't.

Eight Latin-named modules, each purpose-built for one part of your compliance journey. Activate what you need. Scale as you grow.

Core Platform
MerxTax Fiscus
Your personal tax command centre. Connects to HMRC, manages your profile, and coordinates all modules.
  • HMRC OAuth 2.0 — sandbox confirmed
  • Supabase auth (email + magic link)
  • Multilingual profile management
  • Real-time HMRC connection status
✅ LIVE
Income
REDITUS
Log income by source, date, and category. Auto-grouped by quarter. Ready for QUARTUS at submission time.
  • Multiple income sources (sole trader + property)
  • Automatic quarterly grouping
  • Bank feed import via Yapily
  • Simplified category names in 3 languages
⚡ Phase 2
Expenses
IMPENSUM
Snap a receipt, forward an email, or send via WhatsApp. Claude Vision reads it, categorises it, stores it.
  • Claude Vision OCR — receipt photo or email
  • WhatsApp photo capture (Phase 4)
  • Allowable vs non-allowable flagging
  • Cloudflare R2 storage (zero egress fees)
⚡ Phase 2
Submissions
QUARTUS
The quarterly submission engine. Pulls your income and expenses, validates, and submits directly to HMRC via MTD API.
  • Direct HMRC MTD API submission
  • Pre-submission validation and review
  • Submission confirmation + HMRC receipt
  • Full audit log — every interaction recorded
🔜 Phase 3
Compliance
VIGIL
Your compliance guardian. Deadline countdowns, penalty point tracker, and a live score for your tax health.
  • Real-time penalty point balance
  • Deadline countdown for all 4 quarters
  • Compliance score (0–100)
  • Push notifications + email reminders
⚡ Phase 2
AI Intelligence
LUMEN AI
Your always-on AI tax companion. Explains HMRC rules, categorises expenses, and answers questions — in English, Portuguese, or Spanish.
  • Powered by Claude Sonnet (Anthropic)
  • Multilingual — responds in your language
  • Expense allowability advisor
  • WhatsApp-native interface (Phase 4)
⚡ Phase 2
How it works

Four steps to full compliance

From first login to submitted return — the entire MTD journey, simplified and guided in your language.

1
Connect to HMRC
Sign up, connect your HMRC account securely via OAuth 2.0. MerxTax is an authorised HMRC software provider.
2
Log income & expenses
Add income records, snap expense receipts, or connect your bank. LUMEN AI categorises everything automatically.
3
Review with VIGIL
Check your compliance score, review the quarter's figures, and let LUMEN AI flag anything that needs attention.
4
Submit to HMRC
One tap to submit via QUARTUS. Receive your HMRC confirmation, and VIGIL resets for the next quarter.
Language-first

Built for Britain's underserved communities

Over 1 million UK taxpayers navigate HMRC compliance in a second language. MerxTax is the first platform designed for them — not just translated, but culturally built for the Brazilian, Portuguese, and Spanish-speaking diaspora.

🏛️ HMRC Authorised Software · App ID: 7de6ee98
🇬🇧
English
Full platform, LUMEN AI, receipts, submissions, and support — all in English.
"Your Q1 submission is confirmed. Next deadline: 7 November."
🇧🇷
Português (PT-BR)
Plataforma completa em português brasileiro — para a comunidade brasileira no Reino Unido.
"A sua declaração do 1º trimestre foi confirmada. Próximo prazo: 7 de Novembro."
🇪🇸
Español
Plataforma completa en español — para la comunidad hispanohablante en el Reino Unido.
"Tu declaración del 1º trimestre está confirmada. Próximo plazo: 7 de Noviembre."
Pricing

Simple, honest pricing

No hidden fees. Cancel anytime. VAT inclusive. All plans include LUMEN AI and HMRC connection.

Solo
£9.99/mo
For self-employed individuals with one income source. Everything you need to be compliant.
  • ✓MTD Income Tax submissions (QUARTUS)
  • ✓Income logging — REDITUS (1 source)
  • ✓Expense capture — IMPENSUM
  • ✓LUMEN AI assistant (EN/PT/ES)
  • ✓VIGIL compliance dashboard
  • ✓Receipt OCR (Claude Vision)
  • ✓HMRC direct submission
MOST POPULAR
Pro
£19.99/mo
For landlords and those with multiple income sources. Includes Open Banking and invoicing.
  • ✓Everything in SOLO
  • ✓Multiple income sources (unlimited)
  • ✓Open Banking — Yapily bank feeds
  • ✓Invoicing module
  • ✓CENSUS — Annual Declaration & EOPS
  • ✓Priority LUMEN AI support
  • ✓WhatsApp LUMEN (Phase 4)
Agent
£49.99/mo
For accountants and tax agents managing multiple MTD clients. Includes FORUM and white-label.
  • ✓Everything in PRO
  • ✓Multi-client management — FORUM
  • ✓HMRC Agent authorisation (0952CH)
  • ✓Client-level LUMEN AI
  • ✓White-label option for your firm
  • ✓Accountant directory listing
  • ✓Community referral commissions
Why trust MerxTax

Built with compliance at the core

We don't just connect to HMRC — we're built to HMRC's standards, with security and data protection as non-negotiables.

🏛️
HMRC Authorised
Registered MTD software with HMRC. App ID 7de6ee98. 24 MTD APIs subscribed. Sandbox-tested OAuth 2.0 integration. SA Agent code 0952CH.
🇪🇺
GDPR Compliant
All data stored in EU (Frankfurt). Supabase PostgreSQL with Row Level Security. Your data is isolated, encrypted, and never sold. GDPR-first architecture.
🔒
Bank-Grade Security
Yapily-powered Open Banking (FCA regulated). OAuth 2.0 with Supabase Auth. Cloudflare DDoS protection and CDN. All tokens encrypted at rest.

Your first quarterly deadline is
7 August 2026.

Join the waitlist today. Free early access — no credit card required.

🔒 GDPR compliant · No spam · Cancel anytime