The AI layer above your VAT.

Xero, Sage and QuickBooks file your 9-box return. They don't navigate partial exemption, DRC, OSS, capital goods scheme, place-of-supply, margin schemes, group VAT, or HMRC enquiries. vat.law does — for £19 to £149 a month, where the specialists charge £400 to £1,200 an hour.

Start free 60-second check See what it does

The HMRC penalty regime got sharper in April 2025.

Most UK VAT-registered businesses still don't know about it.

April 2025: HMRC raised the first late-payment penalty to 3% at day 15 plus a further 3% at day 30. The second late-payment penalty is now 10% per annum as a daily rate — more than double the previous rate. Late submission also costs £200 per return once you cross four points on the quarterly threshold.

2.179 million

UK VAT-registered businesses (HMRC). All of them are now on Making Tax Digital. None of them are protected by it.

73% saw no productivity gain

HMRC's own research on the MTD rollout. Digital filing did not solve VAT complexity — it just digitised the filing.

£400 – £1,200 per hour

What a Big-4 VAT specialist charges to navigate the complex bits. vat.law charges £49–£149 a month.

Five engines the £22-per-month MTD filers don't have.

Pair vat.law with whatever bookkeeping software you already use. We don't compete with Xero or Sage. We sit above them.

1 · Partial-Exemption Calculator

Standard method · special method · de minimis · annual adjustment · capital-goods overlap. Methodology memo CTA-partner-signed.

2 · Reverse Charge / DRC Matrix

Construction sub-contractor matrix · end-user / intermediary determination · CIS overlay · invoice-by-invoice labelling.

3 · Margin Scheme + TOMS

Second-hand goods · auctioneers · global accounting · TOMS for travel · quarterly records auto-generated.

4 · Cross-Border Engine

OSS · IOSS · place-of-supply · postponed VAT accounting · EORI · monthly C79 reconciliation · group VAT.

5 · HMRC Enquiry Response Studio

Upload the HMRC notice. We extract subject, deadline and officer. AI drafts the response pack. trained QA reviewer + CTA partner sign. Supreme Capital advance financing referral on assessed liability.

+ Penalty-Point Tracker

Live exposure model · 24-month expiry math · LPP1/LPP2 exposure · reasonable-excuse appeal scaffolder.

The honest comparison.

vat.law is a complement, not a replacement. We pair to whatever bookkeeping software you already run.

Feature	Xero / Sage / QuickBooks	Bridging tools	vat.law
MTD 9-box submission	✓	✓	✓
Digital-link record-keeping	✓	✓	✓
Penalty-point tracker	—	—	✓
Partial exemption	—	—	✓
DRC / reverse-charge matrix	—	—	✓
Margin / TOMS schemes	—	—	✓
OSS / IOSS / postponed VAT	—	—	✓
Capital goods scheme tracker	—	—	✓
HMRC enquiry response	—	—	✓
trained QA reviewer + CTA partner sign-off	—	—	✓

Pricing.

Monthly. Annual = two months free. Cancel any time. Built on the Supreme Operating System (25 verticals · 8 years of UK SME compliance IP).

Essentials

£19 / month

MTD VAT submission
Digital-link record-keeping
Error checker
Penalty-point exposure tracker
90/60/30/7-day alerts
Annual review
1 bookkeeping integration

Start free trial

Pro

£49 / month

Everything in Essentials
Partial-exemption calculator
Margin scheme + TOMS
Reverse-charge / DRC matrix
Capital goods scheme tracker
Cash-accounting / flat-rate optimisation
2 bookkeeping integrations
trained QA reviewer on complex outputs

Start free trial

Cross-Border

£149 / month

Everything in Pro
OSS / IOSS
Place-of-supply ruling
Postponed VAT accounting
EORI helper · group VAT
1 HMRC enquiry response / yr included
Unlimited bookkeeping integrations
trained QA reviewer + CTA partner sign-off on all advisory output

Start free trial

HMRC enquiry response · standalone · £495 per enquiry · all tiers

Want this for your business?

Leave your details and we'll come back to you with what it does for your situation specifically — not a brochure.

Pricing announced when it opens.