Is RentalBux recognised by HMRC for Making Tax Digital?

Yes. RentalBux is officially listed on HMRC's recognised software page for Making Tax Digital for Income Tax. You can maintain digital records, categorise property income and expenses, and submit quarterly updates directly to HMRC through the platform.

Do I need MTD software if my rental income is under £50,000?

Not yet for mandatory quarterly filing, but the threshold drops to £30,000 from April 2027 and may decrease further. Even below the threshold, using MTD-compatible software gives you better records, clearer tax reporting, and an easier transition when the rules apply to you.

What is the penalty for missing an MTD deadline?

Under HMRC's new points-based penalty regime, each missed quarterly deadline adds a penalty point. Once you reach the threshold (typically 4 points for quarterly obligations), you receive a £200 fine, and every subsequent late submission also incurs a £200 penalty until you clear your points.

Can I manage both rental income and self-employment income?

Yes. RentalBux handles both property income (SA105) and self-employment income (SA103) in a single platform. This is critical for landlords whose combined income puts them in scope for MTD, eliminating the need to manage two separate systems.

How does joint ownership work in RentalBux?

You set ownership percentages once per property and per co-owner. RentalBux then automatically splits all rental income and expenses according to those percentages for each owner's individual tax return. This works for married couples, business partners, and any other joint ownership structure.

How does RentalBux handle Section 24 mortgage interest?

RentalBux automatically separates finance costs from allowable expenses and calculates the 20% basic rate tax credit under Section 24 restrictions. Your SA105 property income reports accurately reflect the restricted mortgage interest relief without manual adjustments.

Can my accountant access my RentalBux account?

Yes. You can invite your accountant to view your property portfolio, review transactions, verify categorisations, and approve filings. This replaces emailed spreadsheets and gives your accountant real-time access to your financial data.

What is the difference between RentalBux and Xero or QuickBooks for landlords?

Generic accounting tools were designed for business bookkeeping. They lack property-level profit and loss tracking, joint ownership splits, SA105 pre-mapped categories, combined rental and self-employment MTD filing, and foreign property separation. RentalBux was built specifically for these landlord requirements.

Can I manage foreign rental properties?

Yes. RentalBux handles UK and overseas rental income in one account. Foreign property income is automatically reported separately on your tax return, exactly as HMRC requires.

HMRC Recognised|MTD Software for Landlords

Property Accounting Software for UK Landlords: Joint Ownership, Self-Employment & MTD Filing

Track rental income per property, automatically split joint ownership profits, manage self-employment income alongside rentals, & file quarterly MTD returns directly to HMRC effortlessly.

Set up your properties free Book a Demo

No credit card required

Free for 1 property until March 2028Free Until Your First MTD SubmissionNo commitment. Leave anytime.

app.rentalbux.com

Profit Split

Owner A (60%)£7,200

Owner B (40%)£4,800

MTD Status

Q1 Return Filed

Q2 Return Filed

Q3 ReturnDue 5 Jan

Trusted by Professionals

Built by UK Property Accountants.
Chosen by Landlords Across the UK.

Award-Winning Software

UK's top 500 SMEs, 2026

MTDReady

Recognised by HMRC

Official MTD software

FCA

Registered

FRN 925695

4.9/5

Excellent Rating On

Our Partners

Pricing

Start Free Until Your First MTD Filing in August 2026

Get started at no cost and use the software through your first MTD filing. No card, no commitment, no pressure, leave anytime.

MonthlyYearlySave 25%

Until March 2028

Free

Free until March 2028

£0.00/mo

1 property, 1 unit
MTD submissions
Bank feed

Start Free

Landlord

Free until August 2026

£4.50 / month (billed yearly)

£0.00/mo

All features included
1 MTD filing free
No card needed, no commitment, leave anytime

Start Free

Self-Employed

Free until August 2026

£5.75 / month (billed yearly)

£0.00/mo

All features included
1 MTD filing free
No card needed, no commitment, leave anytime

Start Free

Best Value

Landlord + Self Employed

Free until August 2026

£9.50 / month (billed yearly)

£0.00/mo

All features included
1 MTD filing free
No card needed, no commitment, leave anytime

Start Free

The Real Problem

Spreadsheets track one property, not joint splits,
self-employment income, or quarterly MTD filing.

It starts with one spreadsheet. Then come agent statements, mismatched PDFs, Section 24 calculations by hand, joint ownership splits, and self-employment expenses mixed with rental income, rebuilt manually every quarter for HMRC.

4+ hrs

per property, per quarter

Chasing paperwork, not profit

Bank statements, letting agent PDFs, old emails. Every quarter you rebuild the same figures from scratch.

67%

of landlords still use spreadsheets

Spreadsheets hide mistakes

One broken formula, one missed row. Under MTD you are not catching errors. You are filing them to HMRC.

4×

more filing from April 2026

MTD multiplies the burden

Quarterly HMRC submissions for income above £50k (dropping to £30k in 2027). The admin just quadrupled.

£2.4k

avg annual repair costs

Repairs drain time and money

Tracking maintenance costs across properties, chasing contractors and keeping receipts for tax relief is a second job.

42%

of landlords self-manage

Tenant admin never stops

Deposits, references, rent tracking, renewals. Without a system, critical dates slip through the cracks.

£200+

per missed MTD deadline

Non-compliance is expensive

Under HMRC’s points-based system, each missed quarterly deadline adds a penalty point. Once you reach 4 points, every late submission triggers a £200 penalty, with further penalties if delays continue.

There is a better way.

Property software built for UK landlords. Free for 1 property until March 2028.

Get MTD-Ready Now

Built by UK Property Accountants

RentalBux makes Making Tax Digital filing effortless and property accounting clearer.

From bank feed to HMRC submission. Three steps, no spreadsheets, no stress.

Auto-Import

Bank transactions flow in automatically, grouped by property. Zero manual entry or spreadsheet work.

MTD Ready

Every expense mapped to HMRC categories, Section 24 calculated, repairs classified. Always accurate before filing.

File in Minutes

Submit quarterly MTD updates directly to HMRC with ease, no spreadsheet formulas or complex setup.

See exactly how it works

How It Works

Set Up Your Property Accounting in 3 Steps

Built for landlords who want Making Tax Digital compliance, clear records, and control without the steep learning curve.

Add your rental properties

Houses, flats & commercial units

House Flat

Set up each property in your portfolio with full detailsaddress, type, ownership structure, and amenities. Whether you manage a single buy-to-let or a multi-property portfolio, RentalBux organises everything from day one.

View pricing

Record your tenants

Tenants, guarantors & contacts

Tenants & flatmates

Store every tenant's details in one secure placenames, contact info, tenancy dates, and guarantor records. No more scattered spreadsheets or lost paperwork when HMRC comes calling.

View pricing

Track income, expenses & file MTD return with confidence

MTD-ready financial reports

Income & expenses Tax reports

Connect your bank account, auto-categorise rental income and allowable expenses, then generate MTD-compliant reports ready for your Self Assessment. Property accounting has never been this straightforward.

View pricing

Set Up in 2 Minutes

Free to start. No credit card required.

Why Landlords Choose RentalBux

The UK's Most Trusted Property Accounting
Software for Landlords

Purpose-built for landlords managing multiple properties with joint ownership and self-employment income not generic accounting software adapted for rentals after the fact.

Joint Ownership Splits

Set ownership percentages once and income and expenses split automatically.

14 Maple Street£12,000

Owner A · 60%£7,200

Owner B · 40%£4,800

Portfolio Dashboard

See rent collections, cash flow trends, and profit per property at a glance.

Income

£24,800

Expenses

£6,420

Net Profit

£18,380

Smart Expense Tracking

Auto-categorise allowable expenses and track Section 24 restrictions.

🔧

Repairs & Maintenance

Allowable

🏢

Letting Agent Fees

Allowable

🏦

Mortgage Interest

S.24

🛡️

Insurance Premium

Allowable

MTD-Ready Tax Reports

Submit quarterly MTD updates to HMRC directly from your account.

2026/27 Returns HMRC Connected

Q1 (Apr–Jun)

Submitted

Q2 (Jul–Sep)

Submitted

Q3 (Oct–Dec)

Due 5 Feb

Q4 (Jan–Mar)

Upcoming

Property Management

Manage all property types with joint ownership splits handled automatically.

14 Maple St, London

House · £1,850/mo

Let

Flat 3B, Victoria Ct

Flat · £1,200/mo

Let

22 Park Ln, Manchester

Commercial · £3,400/mo

Vacant

Mobile & Bank Feeds

Connect your bank, auto-import transactions, and manage from your phone.

Recent Transactions Live

Tenant Rent — Flat 3B+£1,200

Boiler Repair — 14 Maple-£340

Tenant Rent — 14 Maple+£1,850

And so much more

UK & Foreign Property

Manage domestic and overseas rentals in one account with automatic separation for tax returns.

Section 24 Handling

Mortgage interest restrictions tracked and the 20% basic rate tax credit calculated automatically.

HMRC Recognised

Officially listed on HMRC's recognised software page for Making Tax Digital for Income Tax.

Multi-Entity Support

Manage sole trader, partnership, LLP, and limited company portfolios all from a single account.

Receipt Scanning

Snap a photo of any receipt and let AI auto-categorise it to the correct MTD expense category.

Capture & Categorise on the Go

Upload bills instantly from your mobile device. RentalBux automatically categorises expenses to keep records accurate and MTD-ready.

HMRC Recognised · Award-Winning · FCA Registered

Switch From Spreadsheets to Compliant Property Accounting

Set up in under 2 minutes. HMRC-recognised. Free to start.

Start Free No Card Needed Book a Demo

Built For You

Built for Every Type of UK Landlord.

Single property or growing portfolio. UK rentals or overseas income. Self-managing or working with agents. RentalBux handles the property accounting complexity so you don't have to.

"I only have one rental. Do I really need software?"

One property? One free account.

If your gross property income is above £50,000 (dropping to £30,000 from April 2027), MTD is mandatory. Even below the threshold, RentalBux keeps your records digital, your expenses categorised, and your tax return pre-filled. Free for 1 property until March 2028.

Start Free: 1 Property Plan

No credit card required

What's included

Full accounting features included

MTD-ready property reports

Receipt scanning and categorisation

No credit card required

Why Switch

Landlord-Specific Software vs Everything Else

Standard accounting software is built for general use, not property portfolios. RentalBux is designed for UK landlords, making rental income tracking, compliance, and Making Tax Digital reporting straightforward.

Feature

RentalBux

Standard Accounting Software

Spreadsheets

Property-level profit and loss

Manual

Joint ownership with automatic profit splits

Rental income and expense (SA105) categories pre-mapped

Combined rental + self-employment MTD filing

Section 24 mortgage interest calculation

Manual

Foreign property income separated automatically

Manual

Quarterly MTD submissions to HMRC

Built specifically for UK landlords

Accountant collaboration portal

Bank feeds and transaction import

Free plan available

Property-level profit and loss

RentalBux

Generic Accounting Software

✗ No

Spreadsheet

Manual

Joint ownership with automatic profit splits

RentalBux

Generic Accounting Software

✗ No

Spreadsheet

✗ No

Rental income and expense (SA105) categories pre-mapped

RentalBux

Generic Accounting Software

✗ No

Spreadsheet

✗ No

Combined rental + self-employment MTD filing

RentalBux

Generic Accounting Software

✗ No

Spreadsheet

✗ No

Section 24 mortgage interest calculation

RentalBux

Generic Accounting Software

✗ No

Spreadsheet

Manual

Foreign property income separated automatically

RentalBux

Generic Accounting Software

✗ No

Spreadsheet

Manual

Quarterly MTD submissions to HMRC

RentalBux

Generic Accounting Software

✓ Yes

Spreadsheet

✗ No

Built specifically for UK landlords

RentalBux

Generic Accounting Software

✗ No

Spreadsheet

✗ No

Accountant collaboration portal

RentalBux

Generic Accounting Software

✓ Yes

Spreadsheet

✗ No

Bank feeds and transaction import

RentalBux

Generic Accounting Software

✓ Yes

Spreadsheet

✗ No

Free plan available

RentalBux

Generic Accounting Software

✗ No

Spreadsheet

✓ Yes

Switch to RentalBux

No credit card or commitment required.

What Landlords Say

Rated 4.9 out of 5 by
verified UK landlords.

“RentalBux has simplified everything for us. The MTD submissions are seamless and the dashboard gives a clear picture of all our properties at a glance. Can't recommend it enough.”

Mark R.

3 properties · Manchester

Verified review · Trustindex

“Before RentalBux I was spending two or three evenings each quarter pulling figures together. Now I review what the software has already done and hit submit.”

Caroline D.

5 properties · Leeds

Verified review · Google

“RentalBux has simplified everything for us. The MTD submissions are seamless and the dashboard gives a clear picture of all our properties at a glance. Can't recommend it enough.”

Mark R.

3 properties · Manchester

Verified review · Trustindex

“Before RentalBux I was spending two or three evenings each quarter pulling figures together. Now I review what the software has already done and hit submit.”

Caroline D.

5 properties · Leeds

Verified review · Google

“I am self-employed as well as a landlord. Most MTD software only covers one. My accountant pointed me to RentalBux specifically because it handles both under a single filing. That alone was worth switching.”

Priya J.

Landlord + sole trader · Bristol

Verified review · Google

“I have a small portfolio and I also run a consultancy. I was worried the combined income would mean two separate software packages. RentalBux handles it all — property and self-employment — in one place.”

David S.

2 properties · Birmingham

Verified review · Trustindex

Priya J.

Landlord + sole trader · Bristol

Verified review · Google

David S.

2 properties · Birmingham

Verified review · Trustindex

“The bank feed imports and categorises everything. I spend about ten minutes reviewing before each quarterly submission. That is genuinely it. I used to lose entire weekends to this.”

Amara O.

6 properties · London

Verified review · Trustindex

“I have a flat in Lisbon that I let out. No other tool I tried handled foreign income without me manually converting everything. RentalBux converts it automatically and includes it in my quarterly submission.”

Tom W.

4 properties · Edinburgh

Verified review · Trustindex

“The bank feed imports and categorises everything. I spend about ten minutes reviewing before each quarterly submission. That is genuinely it. I used to lose entire weekends to this.”

Amara O.

6 properties · London

Verified review · Trustindex

Tom W.

4 properties · Edinburgh

Verified review · Trustindex

Frequently Asked Questions

Real Questions From
Real Landlords.

Covering MTD compliance, pricing, joint ownership, accountant access, and how RentalBux compares to generic tools.

RentalBux offers a free plan covering 1 property with full accounting features, free until March 2028. Paid plans (Landlord, Sole Trader, Hybrid) are currently free until August 2026, so you can get fully set up before MTD becomes mandatory. No credit card is required to start.