If your rental income is over £50k (2026), £30k (2027) or £20k (2028), you need MTD-compliant software. Some are built just for landlords.
Landlords face MTD Income Tax in waves based on gross rental income. Property-specific tools (Hammock, Landlord Studio, RentalBux) understand deposits, multiple units and service charges in a way generic accounting tools don't.
11 providers match this situation. Free options first.
The government's own MTD tool — free, but basic.
HMRC has its own free software for simple MTD Income Tax cases. No bank feeds, no receipt scanning, no fancy dashboards — but for a sole trader or landlord with straightforward affairs, it does the legal minimum at zero cost.
Free if you have a NatWest Group business account — otherwise £19–£33/mo.
FreeAgent is a polished UK-built accounting platform owned by NatWest. It's free if you hold a business current account with NatWest, Royal Bank of Scotland or Ulster Bank, or a free Mettle business account — and you make at least one transaction a month. Outside that, it's a paid subscription. Strong for sole traders and landlords wanting automation.
UK-built, genuinely free under 1,000 transactions/year.
QuickFile is a UK cloud accounting platform with a generous free tier — free for small businesses with fewer than 1,000 nominal transactions in a year. Full MTD support for VAT and Income Tax.
Free tier from an established UK accounting brand.
Clear Books offers a free tier aimed at small sole traders and landlords. HMRC-recognised for both MTD VAT and MTD Income Tax.
Mobile-first property management + MTD.
Landlord Studio handles rent tracking, tenant management, expenses and MTD Income Tax submission — designed landlord-first.
Free MTD tool for landlords.
RentalBux offers a free plan for landlords needing basic MTD compliance — digital records, quarterly submissions, property income reporting.
Purpose-built for landlords.
Hammock is a UK property-specific finance platform — built specifically for landlords with one or many properties. MTD Income Tax ready.
Cheap bridging software for spreadsheet users.
123 Sheets is a low-cost bridging tool — keep your records in Excel, it handles the HMRC submission. No bells, no whistles, just cheap compliance.
The accountants' favourite. Simple plan is good value.
Xero is the most widely used cloud accounting platform among UK accountants. The £7/mo Simple plan is the cheapest entry from a major provider and covers most sole trader or landlord needs for MTD.
Established UK brand, trusted by accountants.
Sage's cloud accounting product. Solid, enterprise-backed, wide accountant adoption. Has a dedicated landlord flow.
Simple MTD Income Tax for individuals.
GoSimpleTax is a UK tool focused specifically on Self Assessment and MTD Income Tax for individuals, sole traders and landlords. Keeps it lean.