What is the best MTD software for landlords?

There is no single best product, and HMRC does not recommend any. In October 2026 the GOV.UK finder listed many landlord options; pick by how you keep records, how many lets you have and whether it files your tax return.

Making Tax Digital for Income Tax (MTD) needs software that keeps digital records and sends HMRC a quarterly update, plus a tax return after the year ends. GOV.UK describes two kinds: software that creates digital records itself, and bridging software that sends figures from a spreadsheet you already keep. Either is fine.

Landlord software on the GOV.UK finder

Each product below had a GOV.UK software finder entry covering UK property income when checked on 15 October 2026. Prices are each product's entry-level plan with MTD filing, as listed on its own site in October 2026. They change often, and offers come and go.

General accounting packages are on the finder too. Xero was listed at £18 a month plus VAT and QuickBooks from £10 a month plus VAT on their own sites in October 2026. They suit landlords who also trade, but neither has landlord-specific tools.

For the whole finder rather than this shortlist, our Making Tax Digital software census counts every product listed, including how many say they are ready now for UK property income.

What this means for you

Start with how you keep records now. If you already keep a tidy spreadsheet, bridging software is usually the cheapest route, because you carry on as you are and the software sends the totals. If you want the software to pull in your bank transactions and sort them, choose record-keeping software.

Then check four things that matter to landlords:

• Mortgage interest. Finance costs must be kept as a separate record and sent separately in every update.
• Joint ownership. If you co-own, you report only your share. Some products split shares for you, which saves arithmetic.
• The tax return. Some products send quarterly updates but not yet the tax return. HMRC lets you use two linked products, but one product is simpler.
• Your other income. If you also work for yourself, or have foreign property, make sure the product covers every income source you have.

Finally, compare the price you will actually pay. Several list prices exclude VAT, some are first-year discounts, and some charge per submission.

Steps to choose your MTD software

1. Use the free MTD check to confirm your start date and qualifying income.
2. Open the GOV.UK software finder and answer its questions about your income sources.
3. Shortlist two or three products that cover UK property and anything else you have, such as self-employment.
4. Check each one's own site for the current price, including VAT, and whether it files the tax return.
5. Use a free trial to enter one quarter of real rent and costs, including mortgage interest as its own category.
6. Pick one and sign up for MTD with HMRC, then connect the software before your first update is due.

For a 6 April 2027 start, the first update is due by 7 August 2027. Setting up in the spring gives you a full quarter to get used to it.

If you would rather not do it yourself

Software is not the only route. An agent can send your updates and tax return for you, using MTD software of their own. If you go that way, ask which product they use and whether you can see your records in it. The landlord section has more guides on MTD and on running your lets.