MTD for Income Tax software for landlords
A shortlist of options for UK landlords, with free choices listed first. Use the quick picker to filter the table, then confirm your choice in HMRC’s official software finder.
How we compiled this: desk research only. We read each vendor’s pricing and feature pages on 19 October 2026. We have not tested these products hands-on. Prices exclude VAT unless stated, often include time-limited promotions, and change frequently. None of the links on this page are affiliate links at the moment. If that changes, they will be labelled. See our disclosure.
Start with HMRC’s official finder
HMRC does not make its own MTD software. Its free software finder asks about your income sources and records, then lists products that have passed HMRC’s recognition process. HMRC does not recommend any product. Source: GOV.UK. Our table is a shorter, landlord-focused starting point, not a replacement for the finder.
Quick picker
Comparison table
| Product | Price (as published) | UK property | Self-employment too | Works from spreadsheets | Bank feeds | Source |
|---|---|---|---|---|---|---|
| HMRC software finder (official) | Free option Free Official GOV.UK tool. Lists products that passed HMRC's recognition process. HMRC does not recommend any product. | Yes | Yes | Check | Check | Vendor page checked 2026-10-19 |
| My Tax Digital | Free option Free Vendor says it is free for MTD Income Tax and VAT, with no subscriptions. Bridging (spreadsheet upload) and accounting modes. | Yes | Yes | Yes | No | Vendor page checked 2026-10-19 |
| Clear Books Property Free | Free option Free Vendor lists Property Free as forever-free and covering MTD quarterly updates and year-end filing. Bank feeds and scanning need a paid plan (Property plan price not captured). | Yes | Yes | No | No | Vendor page checked 2026-10-19 |
| Zoho Books (Free plan) | Free option Free; paid from £10/mo billed annually (£12 monthly) Vendor says the free plan is MTD for Income Tax ready for sole traders and landlords. Limits: 1,000 invoices and 1,000 expenses a year. Bank feeds are listed on Standard. | Yes | Yes | No | No | Vendor page checked 2026-10-19 |
| Sage Sole Trader (Free plan) | Free option Free; paid £7/mo + VAT Vendor's free plan lists 'Record landlord income and expenses', MTD ready, 1 bank account, 25 auto-categorised transactions, 5 invoices a month. Aimed at non-VAT-registered users. | Yes | Yes | No | Yes | Vendor page checked 2026-10-19 |
| FreeAgent | Free with a NatWest, RBS, Ulster Bank or Mettle business account; otherwise paid Vendor lists MTD for Income Tax (quarterly updates and final declaration) for landlords. We could not capture the landlord plan price reliably from the pricing page, so check it yourself. | Yes | Yes | No | Yes | Vendor page checked 2026-10-19 |
| Hammock | From £8/mo + VAT (1-3 properties); £15/mo + VAT (4-10) Vendor lists MTD quarterly updates and final declaration, unlimited bank feeds, and a 30-day free trial. Annual billing saves 20%. | Yes | No | No | Yes | Vendor page checked 2026-10-19 |
| Landlord Studio | Free option MTD Go free (1-3 units, £5 per MTD submission); Pro shown as £12 + VAT/mo and also as £15 + VAT/mo The vendor's pricing page shows conflicting Pro prices, so confirm before buying. Pro includes MTD submissions and bank feeds. One third-party audit (30 Sep 2026) reported the year-end final declaration was not yet on HMRC's finder for this product, so check the finder. | Yes | No | No | Yes | Vendor page checked 2026-10-19 |
| Landlord Vision | Starter shown at £7.99/mo (4 tenancies); Standard £23.98/mo (10 tenancies) Vendor says every plan includes MTD for Income Tax submissions. The pricing page also shows higher figures (£19.97/£21.97) next to Starter that look like regular or struck-through prices, so confirm. | Yes | No | No | Yes | Vendor page checked 2026-10-19 |
| Xero (Ignite plan) | £18/mo excl. VAT (new UK customers: 90% off for 6 months) Vendor marks every plan 'MTD for Income Tax ready'. General small-business accounting rather than landlord-specific. Ignite limits: 20 invoices, 10 bills. | Yes | Yes | No | Yes | Vendor page checked 2026-10-19 |
What to check before you choose
GOV.UK says your software must: support all your MTD income sources, let you send quarterly updates and submit your tax return, let you report your other income on the return, and work with your accounting period. Source. In practice, landlords should check:
- Final declaration / tax return. Some products only send quarterly updates. If so, you will need a second product for the year-end return. You can use more than one product, but only one per submission (for example, you cannot split property quarterly updates across two products).
- Joint property. For jointly let property you can choose to send income only in quarterly updates, then add expenses by resending your fourth update before your return. Source. Check the product supports this.
- Self-employment too? Landlord-specific apps may not handle a trade. General accounting tools usually do.
- Free-plan limits. Free plans often cap transactions, bank accounts or invoices, or charge per submission.
Read more: best options for 1-5 properties, Xero vs Landlord Vision vs Landlord Studio, spreadsheets and bridging software, and what MTD costs.