Bring in your figures
Upload a bank CSV from any major UK bank — no Open Banking login — or snap a receipt and let AI read the vendor, amount and HMRC category. Catch up a whole year in one sitting.
HMRC-recognised · live for MTD ITSA
Making Tax Digital for landlords, filed in minutes.
Import your rent and expenses, see your live tax with Section 24 and joint ownership handled for you, and file straight to HMRC. Built for UK landlords and sole traders.
- Section 24 done for you
- Joint ownership built in
- Files direct to HMRC
Estimated taxLive
£5,440
Section 24 credit −£1,600 appliedHMRC-recognised for MTD ITSA
Bank-grade AES-256 encryption
Never sees your Government Gateway password
UK company · No. 16989676
Why it matters now
MTD for Income Tax is already rolling out
If you’re a UK landlord or sole trader, you’ll be brought in — sooner than you think. Starting now means the habit is built long before any deadline bites.
April 2026£50,000+Combined property + self-employment income
April 2027£30,000+The threshold drops — get the habit in early
April 2028£20,000+More landlords brought in each year
Genuinely free
Free that actually files your property income
Most “free” MTD tools quietly leave landlords out. Ours doesn’t — one property, full HMRC filing, £0, no expiry.
MTD Landlord Services — Free
Everything you need to comply, £0
- Real HMRC quarterly updates + the year-end Final Declaration
- One property or one sole-trader business — free forever
- Section 24 mortgage relief applied automatically
- Bank CSV import + 5 AI receipt scans a month
- No credit card. No 30-day clock. No catch.
Typical “free” rivals
Free — until you’re a landlord
- “Free” often means sole-trader income only
- Landlords pushed onto a paid plan to file property income
- Section 24 left for you to work out yourself
- Receipt capture gated behind a higher tier
- Trial expires — then the monthly bill starts
How it works
From bank statement to HMRC in three steps
No accounting knowledge needed. If you can upload a file and tap a button, you can stay compliant.
See your live tax estimate
Your tax updates the instant you add income or costs. Section 24 mortgage relief is applied for you, so a higher-rate landlord sees the real number — no April surprises.
File straight to HMRC
Send your quarterly updates and the year-end Final Declaration directly to HMRC, guided step by step. Property and a side trade file together — in minutes, not a lost weekend.
Built for landlords, not bookkeepers
The landlord bits other software ignores
Section 24, joint ownership, rent and receipts — the things a general accounting tool leaves you to figure out are the things we built the whole product around.
Section 24, done for you
Mortgage interest is treated as a 20% basic-rate tax credit — exactly as HMRC requires — on every quarterly update and in your live estimate. Stop overpaying on income you never kept.
Joint ownership, properly
Automatic 50/50 split for couples, a one-tap switch to your Form 17 shares, and mid-year ownership changes prorated correctly. Up to 10 co-owners each file their own return.
Snap-a-receipt AI
Photograph a receipt and it lands in the right HMRC category in seconds. Smart rules learn your vendors — sort “B&Q → Repairs” once and every future match is automatic.
Property + side trade, one return
Rent and self-employment stay on their correct HMRC tracks but combine — with PAYE, dividends and losses — into a single Final Declaration. One dashboard, one filing.
Import without bank logins
Plain bank CSVs from Barclays, Lloyds, NatWest, Monzo, Starling and more — parsed, categorised, split by property, with import history and one-click rollback. No credentials shared.
Guided Year-End Review
A 4-step wizard finishes the year, not just the quarters: lock Q4, make end-of-period adjustments, apply losses and Section 24, then submit HMRC’s live calculation.
Section 24 calculator
See your mortgage-interest tax credit
Since Section 24, mortgage interest is no longer a simple expense — it’s a 20% tax credit. Getting it wrong on a spreadsheet quietly inflates your bill. We apply it for you, automatically.
Annual rent received £24,000
Mortgage interest £8,000
Your tax band
Estimated tax for the year
£8,000
−£1,600
Section 24 credit applied for you — we treat your mortgage interest as a 20% tax credit on every quarterly update.
Illustration only. Assumes mortgage interest is your main cost and excludes the personal allowance and other reliefs. Your live figure in-app uses your real transactions.
In their words
Landlords and sole traders, already getting ready
From joint owners to multi-income freelancers — here’s what getting set up actually felt like.
“Sorting joint ownership with my wife took less than 5 minutes and now we each see our own 50% share.”
LukeJoint owner · London“Having both incomes in one place saved me from juggling spreadsheets.”
DanielleSole trader + landlord“Snapping a receipt and seeing it land in the right HMRC category is the only reason I’m not dreading MTD ITSA.”
JenniferSole trader · Leeds“Imported about a year of transactions on a Sunday afternoon and had the flat and the freelance side both set up by the evening.”
AmedLandlord + sole trader · BristolSimple pricing
Free for one property. Everything from £3.99/mo.
Start fully compliant for £0. Upgrade only when you outgrow it. Prices include VAT — cancel anytime.
No card needed
Free
£0forever
Full HMRC filing, £0 forever
Full HMRC compliance for one income source
- 1 property or 1 sole-trader business
- HMRC quarterly updates + Final Declaration
- Section 24 + live tax estimate
- Bank CSV import + tax reports
- 5 AI receipt scans / month
- No credit card required
MTD Lite
£3.99per month
Billed annually · save 20%
Everything, unlimited — for serious portfolios
- Unlimited properties & businesses
- Joint ownership + co-owner invites (Form 17)
- Unlimited AI receipt scanning
- Filing calendar + email reminders
- PAYE, UK dividends & employment income
- Priority email support
Questions, answered
Everything worth checking before you start
Does MTD for Income Tax actually apply to me?
From April 2026 it’s mandatory if your combined property and self-employment income is over £50,000. It drops to £30,000 from April 2027 and £20,000 from April 2028. If you’re a UK landlord or sole trader, you’ll be brought in — and it’s far easier to start now than the week before a deadline.
Is it really free?
Yes. The free plan covers one property or one sole-trader business with full HMRC filing — quarterly updates and the year-end Final Declaration — plus Section 24, a live tax estimate, bank CSV import and 5 AI receipt scans a month. No credit card to start, free forever for one income source.
How does it handle joint ownership?
Couples default to the HMRC 50/50 split automatically. Filed a Form 17 for unequal shares? Toggle it on and we switch to your actual percentages. Mid-year ownership changes are tracked and each quarter is calculated at the right share. Up to 10 co-owners can each file their own independent return.
What about Section 24 mortgage interest?
We apply the restriction for you: mortgage interest becomes a 20% basic-rate tax credit rather than a deduction, on every quarterly update and in your live estimate. Higher-rate landlords stop accidentally overpaying — no manual workarounds.
Can I import last year from a spreadsheet or bank export?
Yes. Upload a normal bank CSV from any major UK bank — no Open Banking login required — and we parse it, suggest HMRC categories and split it by property. Import history and one-click rollback mean catching up a whole year is a single sitting, not a chore.
Is my data secure, and will HMRC accept my submissions?
We’re HMRC-recognised and connect directly to HMRC’s official MTD ITSA system. Your data is encrypted in transit and at rest with AES-256, hosted in the UK, and we never see or store your Government Gateway password.
Can my accountant still be involved?
Absolutely. Everything is digital and exportable, so your accountant works faster — not locked out. Plenty of landlords keep their numbers tidy here and only loop in an accountant for the bits they want a second opinion on.
60days to the first quarterly deadline
Get MTD-ready in minutes. Free.
Five minutes now beats a £100 penalty later. Import your first statement, see your live tax with Section 24 applied, and file straight to HMRC — at no cost for your first property.
No credit cardCancel anytimeHMRC-recognisedAES-256 encryption