Account settings: profile, email, password, and deleting your account

This guide covers the everyday account tasks: editing your name and email (on your profile page), changing your password and deleting your account (in Settings), and adding a second income type (from the sidebar). It explains where each one lives, who can do it, and what to do if something goes wrong.

What you can manage in Settings

Settings is your account control panel. The tabs you see depend on your plan, so not everyone sees the same set:

• Tax (always shown): your tax profile, used for tax calculations and MTD eligibility.
• HMRC (always shown): your HMRC connection. See Connect your HMRC account.
• Security (always shown): change your password and delete your account.
• Billing (when shown): your subscription and payment details. You can also subscribe directly from the Choose Your Plan page. See Upgrading and managing billing.
• Notifications (shown when your plan includes email reminders; MTD Lite does): your reminder emails. See Notifications and reminders.

This guide focuses on the everyday account tasks, all available on every plan. Two of them live outside the Settings tabs: your name and email are edited on your separate Profile page, and your income type is added from the sidebar. Your password and account deletion are on the Settings Security tab.

Where to find Settings

1. Open Settings from the dashboard. The page heading is "Settings" with the subtitle "Manage your account settings and preferences".
2. Use the tab rail to switch sections. The tab you are on is reflected in the address bar.
3. Use the back link at the top to return to your dashboard.

Update your full name

1. Open your Profile page and find the "Account Details" card.
2. Edit the Full Name field. It needs to be between 2 and 100 characters.
3. Click Save. Your name change applies immediately, no verification needed.

Change your email

Changing your email is a two-step process so that nobody can move your account to an address you do not control.

1. On your Profile page, enter your new email address in the "Email Address" field and click Verify new email. It has to be a valid address, not already in use by another account, and different from your current one.
2. A verification link is sent to the new address.
3. Open that email and click the link. The change applies only once you confirm it there.

Note: Until you confirm, your old email stays in use. If you change your mind, you can cancel the pending change before it is confirmed.

Change your password

1. Open the Security tab in Settings.
2. Under "Change Password", enter your current password and your new password. (If your account was created with Google and has no password yet, this section is headed "Password" instead.)
3. Click Change Password.

Changing your password here does not sign you out of your current session.

Switch your income type

Your income type controls whether the app tracks rental property, self-employment, or both. You choose it when you sign up, and you can add the other income type afterwards.

1. In the sidebar, use the "Also self-employed?" prompt (if you started with rental property) or the "Also have rental income?" prompt (if you started with self-employment).
2. Confirm in the "Enable Both Income Types" dialog. If the app shows an upgrade prompt, subscribe to MTD Lite first.

Important: MTD Lite includes rental property and self-employment together; if your plan does not, the dialog links to the options for your account. For the full picture, see Choosing your income type.

There is no separate control to switch between the two single types: you choose one at signup, and the prompt above adds the second. Your existing records are always preserved.

Choose separate or combined rental records

Property-income accounts can use Settings → Tax → Record keeping to choose between:

• Separate records for each property, where the app applies the ownership share recorded against each property; or
• One combined set for my whole portfolio, where entries go to My portfolio without needing every property set up.

Sole and joint landlords can use combined records. If any property is jointly owned, select Yes and confirm that every combined amount is already your own taxable share. A My portfolio row has no property or ownership percentage, counts fully to the selected owner, and is never split again. That supports mixed sole and joint lets or different percentages, but you must apportion the source figures before entering or importing them. Each co-owner keeps their own records.

If the app can see a live jointly owned property it selects Yes for you. Existing My portfolio entries are not rescaled when you confirm, so review any entries covering a jointly owned period. Switching back to separate records always works and keeps existing transactions. Declaring a combined portfolio of two or more properties in Settings requires MTD Lite.

The optional Defer to year-end setting can identify joint expenses only when they are recorded against an individual property. My portfolio rows have no property attached, so below HMRC's £90,000 income-only exception they remain in quarterly totals. Record an expense against its property if it must use the selective joint-property deferral.

Delete your account

Deleting your account is deferred and cancellable: after you confirm, there is a 14-day window before anything is removed.

1. Open the Security tab and scroll to the "Danger Zone".
2. Click Delete Account.
3. Read the "Delete your account?" dialog. It lists what will be removed and flags any co-ownership or HMRC impact.
4. Export your data first and tick the box to confirm you have. Keeping your own HMRC records is your responsibility, and we do not keep a copy for you.
5. Enter your password to confirm it is you. (Accounts that sign in with Google skip this step.)
6. Type DELETE into the confirmation box. The button stays disabled until every step is complete.
7. Click Schedule deletion. Your account is scheduled for deletion in 14 days, and we email you a link to cancel.

A few things worth knowing before you do this:

• Nothing is deleted for 14 days, and you can cancel any time. Your account stays fully usable during the window. Cancel from the Security tab or the link in the email. If you did not request the deletion, use that link to stop it and secure your account.
• Export your records first, because deletion removes them. Keeping your own records for HMRC (at least 5 years after the filing deadline) is your responsibility as the taxpayer, and once deletion completes we do not keep a copy for you. We retain only a minimal record of the submissions we filed for you (as evidence of what was sent to HMRC) and our billing records.
• Co-owned properties are handled fairly. If you co-own a property, your share is redistributed to the remaining owners rather than removing the property for everyone.
• Deletion is blocked during a live HMRC submission. If any co-owned property has an HMRC submission in progress, you will see "Account deletion is temporarily blocked". Wait for that submission to finish, then try again.

Account deletion is available on all plans.

If something goes wrong

• The Delete Account button stays disabled. Make sure you have typed DELETE exactly (capital letters, no spaces). If it is still blocked, a co-owned property has an HMRC submission in progress, so wait for it to complete.
• You cannot switch to "Both". If the app shows an upgrade prompt, subscribe to MTD Lite and try again.
• No Billing tab in Settings. Subscribe from the "Choose Your Plan" page instead. See Upgrading and managing billing.

Still stuck? See Getting help.

Frequently asked questions

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