RentalBux vs. Ajaccts
Which MTD Software Is Better for UK Landlords and Sole Traders?
Overall Winner: RentalBux
RentalBux is the more complete MTD software for landlords and sole traders. It is fully HMRC-recognised for Making Tax Digital for Income Tax across all three qualifying income types — UK property, foreign property, and self-employment — and combines that compliance with comprehensive property management, automated bookkeeping, AI-driven expense categorisation, joint ownership profit-splitting, and a free plan for single-property landlords until March 2028. Ajaccts is a credible, founder-led small business accounting platform with genuine strengths in CT600 filing, VAT, Self Assessment, and managed bookkeeping — but as of 1 April 2026, it is not listed on HMRC's confirmed recognised software list for MTD for Income Tax (ITSA). Its website states it is "working with HMRC on the new MTD ITSA project" and is actively seeking trial customers, placing it firmly in development status. For landlords and sole traders who must comply from 6 April 2026, RentalBux is the confirmed, ready choice.
At-a-Glance MTD Software Comparison
Key differences between RentalBux and Ajaccts across MTD compliance, property management, bookkeeping, pricing, and landlord-specific features.
| Feature | RentalBux | Ajaccts |
|---|---|---|
| Software Type | Property/Landlord Platform | SME Accounting Platform |
| Target Users | Landlords, Sole Traders, Letting Agents | Small Businesses, Contractors, Ltd Companies |
| Income Sources Supported | Sole Trader + UK Property + Foreign Property | Self-employment, UK property income, Partnerships, Trusts & Estates, Corporate income, Payroll/PAYE, VAT |
| Free MTD Software Plan | Free until March 2028 (1 property) | No |
| MTD Quarterly Updates to HMRC | Yes | In development / pilot |
| Final Declaration | Yes | In development / pilot |
| Bank Reconciliation | Yes | Yes |
| Automated Bank Feeds | Yes | No |
| Invoice Creation | Yes | Yes |
| Receipt Capture (OCR) | Yes | Yes |
| Expense Auto-Categorisation | Coming soon | Yes |
| Property Portfolio Management | Yes | No |
| Tenant Management | Yes | No |
| Joint Ownership & Profit Sharing | Yes | No |
| Payroll | No | Yes |
| HMO Unit-Level Tracking | Yes | No |
| HMRC SA105 Box Pre-Mapping | Yes | Yes |
| Spreadsheet Import/Export | Yes | No |
| Platform | Web, iOS, Android | Web browser only |
| GDPR Compliant | Yes | Yes |
What Is RentalBux? What Is Ajaccts?
What Is RentalBux?
All-in-One MTD Software for Landlords and Sole Traders
RentalBux is an all-in-one property management, accounting, and Making Tax Digital compliance platform built specifically for UK landlords, letting agents, and self-employed individuals. Designed with direct input from accountants who specialise in property and sole trader tax, RentalBux covers everything from tenancy management and rent collection to full bookkeeping with a pre-configured chart of accounts tailored to the property sector.
RentalBux is fully HMRC-recognised for Making Tax Digital for Income Tax across all three qualifying income categories: UK property income, foreign property income, and self-employment. This makes it one of the only landlord-specific MTD software platforms that can handle a landlord who also runs a sole trader business, all from a single subscription.
A major differentiator is RentalBux's pricing model: single-property landlords can use the platform completely free until March 2028, making it one of the most affordable HMRC-approved MTD software options for landlords entering the MTD regime.
What Is Ajaccts?
Cloud-based tax-filing software for Corporation Tax, Self-Assessment, VAT and Payroll.
Ajaccts (Ajaccts Software Limited) is a Coventry-based, cloud-based accounting software company founded in 2014. It set out to solve a specific problem: most small businesses were using different packages for VAT, payroll, and self-assessment, and no single, affordable tool covered everything. The company built one cloud-based product to handle the full suite. Starting with just three local business clients, it has grown to approximately 500 customers worldwide — with those original three still active today.
Ajaccts is HMRC-recognised for Corporation Tax (CT600) filing, Self Assessment (including Individual, Partnership, and Trust returns), VAT (MTD), and Payroll (RTI). Its CT600 capability is a particular standout — Ajaccts specialises in CT600 returns including for international clients, and many customers first come to it because their existing bookkeeping software does not support CT600 filing. Alongside its software, Ajaccts offers a fully managed bookkeeping and accountancy service, meaning customers can choose to do everything themselves, upload receipts and let Ajaccts' team handle the rest, or operate on any hybrid model in between.
Strengths
- Free MTD software for single-property landlords until March 2028
- Handles sole trader + UK property + foreign property income in one platform
- Joint ownership with automatic profit-sharing split by ownership percentage
- Pre-built chart of accounts tailored for landlords and sole traders
- AI-powered expense auto-categorisation and OCR receipt capture
- Agent filing on behalf of landlords — ideal for accountants and letting agents
- Supports HMO properties with auto-created units
Strengths
- Broad HMRC recognition: CT600, VAT (MTD), Self Assessment, Payroll
- CT600 specialist — including for international clients worldwide
- Supports Partnerships, Trusts, R&D relief, Creatives tax relief, CICs
- Optional fully managed bookkeeping and accountancy bureau service
- Personal, founder-led support culture — stable, word-of-mouth growth
- Stable, long-term customer relationships since 2014
- Single platform for VAT, payroll, SA, and CT600
Limitations
- Newer to market compared to established platforms
- No yield or LTV investment analysis tools
- No MTD for VAT support yet
- Some advanced reporting features still in development
- Limited third-party app integrations
- No offline capability
- No tax liability forecasting feature currently
Limitations
- MTD ITSA not yet confirmed as HMRC-recognised as of 1 April 2026
- No property management features
- No documented bank feeds or Open Banking integration
- No mobile app documented
- Pricing entirely unpublished — all on request
- No Trustpilot profile; no independent review data available
- Very small customer base (~500 worldwide)
Making Tax Digital Compliance
How RentalBux Handles MTD Compliance
RentalBux supports all three MTD qualifying income categories: sole trader income, UK property income, and foreign property income. This makes it suitable for landlords who also earn self-employment income, eliminating the need for separate software. Most accounts are pre-mapped to HMRC Self-Assessment boxes. RentalBux also supports agent filing, allowing accountants or letting agents to submit MTD returns on behalf of their landlord clients.
How Ajaccts Handles MTD
Ajaccts has a strong and longstanding track record with HMRC's other digital tax programmes. It has been part of the MTD for VAT scheme since its introduction and is HMRC-recognised for VAT, CT600, Self Assessment, and Payroll. However, for MTD for Income Tax specifically — the quarterly income and expense reporting regime for landlords and sole traders — Ajaccts is not yet confirmed as HMRC-recognised as of 1 April 2026. The company's website states it is "working with HMRC on the new MTD ITSA project" and is seeking trial customers, indicating active development and engagement with HMRC but not confirmed live status.
| Feature | RentalBux | Ajaccts |
|---|---|---|
| HMRC Recognised (MTD ITSA) | Yes | In development |
| MTD Quarterly Updates | Yes | In development / trial |
| Final Declaration | Yes | In development |
| Digital Record Keeping | Yes | In development |
| Digital Links Compliant | Yes | In development |
| Sole Trader Income | Yes | In development |
| UK Property Income | Yes | In development |
| Foreign Property Income | Yes | In development |
| Multiple Income Streams | Yes | In development |
| Agent Filing on Behalf | Yes | Yes |
Winner: RentalBux — RentalBux is confirmed HMRC-recognised for MTD ITSA across all three income types and is live for quarterly submissions. Ajaccts' MTD ITSA capability is in development as of 1 April 2026. For landlords and sole traders who are mandated now, this is the decisive factor.
Property Management
RentalBux: Property Management
RentalBux provides comprehensive property portfolio management with tenant management, rent tracking, property expense allocation, and support for multiple properties. A standout feature is its joint ownership and profit-sharing capability: landlords can define ownership percentages once, and RentalBux automatically splits rental income and expenses. RentalBux also supports HMO properties, automatically creating individual units.
Ajaccts: No Property Management Features
Ajaccts does not offer any property management features. It has no property portfolio tracking, no tenancy management, no rent collection, no HMO support, no compliance reminders, and no maintenance tracking. Its focus is entirely on bookkeeping, tax filing, and managed accountancy for general SME clients. Landlords who require any property-specific functionality will need to use separate software alongside Ajaccts.
| Feature | RentalBux | Ajaccts |
|---|---|---|
| Property Portfolio Management | Yes | No |
| Tenant Management | Yes | No |
| Rent Tracking | Yes | No |
| Property Expense Allocation | Yes | No |
| Multiple Property Support | Yes | No |
| HMO Property Support | Yes (auto-creates units) | No |
| Joint Ownership/Profit Sharing | Yes (auto-split by %) | No |
| Maintenance Tracking | No | No |
| Tenant Screening | No | No |
| Compliance Document Alerts | Yes | No |
| Arrears Tracking | No | No |
Winner: RentalBux — Ajaccts offers no property management features. For landlords managing portfolios, tenants, compliance, and property finances, RentalBux is unambiguously the better choice.
Bookkeeping, Accounting & Digital Record Keeping
RentalBux: Structured Accounting
RentalBux includes a pre-built chart of accounts specifically designed for landlords and sole traders, covering rental income, mortgage interest, insurance, property repairs, professional services, utilities, and tenant deposits. All accounts are pre-mapped to HMRC Self-Assessment boxes. The platform supports cash basis accounting, bank reconciliation, and journal entries.
Ajaccts: Broad SME Accounting with Receipt Upload and Auto-Categorisation
Ajaccts' core bookkeeping proposition is straightforward: you input your sales, upload your receipts, and the software automatically creates digital records and produces your accounts and tax returns. Its platform covers VAT, Self Assessment, Corporation Tax, payroll, and CIS from a single cloud login. It handles all major VAT schemes including Margin, Retail, Flat Rate, postponed import VAT accounting, and partially-exempt arrangements. The managed service model is a genuine differentiator — for customers who prefer to hand off all bookkeeping to a human team, Ajaccts provides a team of bookkeepers as part of an optional bureau service. However, Open Banking or automated bank feed integration is not documented on Ajaccts' website.
| Feature | RentalBux | Ajaccts |
|---|---|---|
| Cash Basis Accounting | Yes | No |
| Chart of Accounts (Pre-built, Landlord-Tailored) | Yes (pre-built + custom) | No |
| Journal Entries | Yes | Yes |
| Bank Reconciliation | Yes | Yes |
| Automated Bank Feeds | Yes (Major UK banks) | No |
| Open Banking Integration | Yes | No |
| Double-Entry Bookkeeping | Yes | Yes |
| HMRC Box Pre-Mapping | Yes | Yes |
| Xero Integration | No | No |
| Spreadsheet Import/Export | Yes | No |
| Digital Record Storage | Yes | Yes |
Winner: RentalBux - RentalBux leads on property-specific accounting depth, Open Banking, chart of accounts, journal entries, and MTD ITSA readiness.
Invoicing, Expense Tracking
RentalBux: Expense Management
RentalBux includes OCR receipt capture, structured expense tracking with landlord-specific categories, auto-categorisation, invoice creation with customisable branding, and payment tracking with reminders.
Ajaccts: Receipt Upload with Auto-Record Creation
Ajaccts' approach to expense management centres on receipt upload and automated digital record creation. You load your receipts into the platform, and its software automatically creates the corresponding digital records and populates your accounts and tax returns. This approach is well-suited to small business owners who want to offload bookkeeping to the system — or to Ajaccts' human bookkeeping team under its managed service model. However, AI-powered OCR or mobile-first receipt capture is not specifically documented as a feature.
| Feature | RentalBux | Ajaccts |
|---|---|---|
| Invoice Creation & Sending | Yes | Yes |
| Invoice Customisation/Branding | Yes | No |
| Online Payment Collection | Yes | No |
| Payment Tracking/Reminders | Yes | No |
| Expense Tracking | Yes | Yes |
| Receipt Capture (OCR/Photo) | Yes | Yes |
| Expense Categorisation | Yes | Yes |
| Automated Transaction Matching | Yes | No |
| Mileage Tracking | No | No |
| AI Auto-Categorisation | Coming soon | Yes |
Winner: RentalBux — OCR receipt capture, automatic expense categorisation against landlord-specific SA boxes, branded invoicing, and automated payment reminders give RentalBux the edge for landlords who want to maximise allowable deductions under MTD.
Reporting & Tax Forecasting
RentalBux: Formal Accounting Reports
RentalBux produces structured financial reports including profit & loss statements, balance sheets, journal reports, ledger reports, and trial balances. Smart categorisation helps ensure accuracy.
Ajaccts: Business Analytics with Tax Filing Output
Ajaccts positions its analytics as a business management tool, not just a compliance output. Its platform generates business analytics reports designed to help owners track financial performance and drive decisions — alongside the tax filings that "just drop out as and when needed." This analytics-plus-filing approach is a deliberate design choice: the platform aims to be useful day-to-day, not just at year-end. Ajaccts does not document formal investment analytics such as rental yields or loan-to-value ratios.
| Feature | RentalBux | Ajaccts |
|---|---|---|
| Profit & Loss Report | Yes (formal) | Yes |
| Balance Sheet | Yes | Yes |
| Trial Balance | Yes | Yes |
| Dashboard/Overview | Yes | Yes |
| Real-Time Financial Data | Yes | Yes |
| Cash Flow Reporting | No | No |
| Tax Estimate/Forecast | Yes | No |
| AI-Powered Features | Coming soon | No |
Winner: RentalBux — Formal accounting outputs including balance sheet and trial balance, combined with landlord-specific reports and AI categorisation, give RentalBux a stronger reporting foundation for landlords preparing for MTD and year-end Self Assessment.
Collaboration & Mobile Apps
RentalBux's Collaborative Features
RentalBux enables agent filing, which gives accountants and letting agents the ability to submit directly on a landlord's behalf.
Ajaccts: Managed Bureau Model and Web-Based Access
Ajaccts supports accountant and agent access primarily through its managed bureau service model — its own team of bookkeepers work alongside customers, and the platform is designed for collaborative use between client and accountant. However, a standalone dedicated agent filing workflow for MTD ITSA (as distinct from the managed service relationship) is not documented. Ajaccts is a cloud-based web platform; a standalone mobile app is not documented on its website.
| Feature | RentalBux | Ajaccts |
|---|---|---|
| Accountant/Advisor Portal | Yes | Yes |
| Multi-User Access | Yes | Yes |
| Agent Filing on Behalf | Yes | Yes |
| Bank Integration | Yes | No |
| Platform | iOS, Android | Web browser only |
| Web Browser Access | Yes | Yes |
| FCA Regulated | Yes | No |
| GDPR Compliant | Yes | Yes |
Winner: RentalBux — Agent filing on behalf, confirmed mobile apps, and an accountant-facing multi-client dashboard give RentalBux a clear advantage for teams managing landlord portfolios under MTD.
Ease of Use, Support & Security
RentalBux: Guided Workflows
RentalBux uses guided workflows, clear dashboards, and no accounting jargon. The platform offers phone support, email/chat support, and a help centre with guides and knowledge base articles.
Ajaccts's Ease of Use
Ajaccts is a founder-led, deliberately small operation. Its website notes that it has "never done any marketing beyond a single web page" and has grown entirely by word-of-mouth; the original three customers from 2014 remain active today. Customer testimonials on its website describe the support team as highly responsive, polite, and efficient, with users praising the platform as "completely stress free" and "worth every penny." However, Ajaccts does not have a Trustpilot profile, and no independent third-party review data is available, making external verification of its customer experience difficult.
| Feature | RentalBux | Ajaccts |
|---|---|---|
| Phone Support | Yes | No |
| Chat Support | Yes | No |
| Email Support | Yes | Yes |
| Help Centre/Knowledge Base | Yes | No |
| FCA Regulated | Yes | No |
| Enterprise-Grade Security | Yes | No |
RentalBux Features
Sole Trader Income Support for MTD
RentalBux is one of the few landlord-focused MTD software platforms that supports self-employment income alongside UK and foreign property income within a single account. Landlords who also run a trade, consultancy, or freelance business can manage all quarterly submissions from one dashboard. Landlord Studio covers property income only.
Custom Chart of Accounts for Landlords
A property-tailored chart of accounts covering rental income, mortgage interest, insurance, repairs, utilities, letting agent fees, and more — all pre-mapped to HMRC Self-Assessment boxes. No setup required; the system is ready to use from day one. Landlord Studio has no equivalent.
Agent Filing on Behalf of Landlords
Letting agents and accountants can submit MTD quarterly updates and the Final Declaration on behalf of landlord clients directly from the platform. Landlord Studio allows accountant access but does not support submission on the landlord's behalf.
Branded Invoice Creation
Invoice creation with customisable branding for service charges and commercial landlords. Not available in Landlord Studio.
AI-Powered OCR Receipt Capture with Auto-Categorisation (Coming soon)
RentalBux's AI will read uploaded receipts and categorise the expense automatically against the pre-built chart of accounts. Landlord Studio's Smart Scan extracts dates and amounts but does not include AI-driven expense categorisation.
Formal Accounting Reports
Balance sheet, trial balance, ledger reports, and journal reports. Landlord Studio does not produce these natively.
Free Plan Including MTD Submissions Until March 2028
RentalBux's free single-property plan includes MTD quarterly submissions. Landlord Studio's free GO plan covers property management for up to three units but requires a paid PRO plan (from £12/month) to access MTD submission functionality.
Unique Features Only Ajaccts Offers
CT600 Corporation Tax Filing — Including International Clients
CT600 filing is Ajaccts' specialist strength. It handles CT600 returns with iXBRL accounts for UK and international limited companies, and many customers come to it specifically because their existing bookkeeping software does not support CT600. This makes Ajaccts a compelling choice for limited company directors who want a single platform for CT600, VAT, Self Assessment, and payroll.
R&D Tax Relief and Creative Tax Relief
Ajaccts documents support for R&D tax relief and Creative Tax Relief — features relevant to technology companies, creative businesses, and cultural enterprises that want a single platform for all HMRC filings.
Trust Returns and Not-for-Profit / CIC Support
Ajaccts supports Trust tax returns, Not-for-Profit organisations, and Community Interest Companies (CICs), including Creatives tax relief structures. This breadth of entity type coverage is not common in SME accounting platforms.
Fully Managed Bookkeeping Bureau at Any Level
Customers can hand off their entire bookkeeping and tax compliance to Ajaccts' in-house bookkeeping team, use the software entirely themselves, or operate on any hybrid model — including simply loading receipts and leaving the rest to the Ajaccts team. This flexible managed service model is a genuine differentiator for business owners who want human expertise without the cost of a traditional accountant.
Who Should Choose RentalBux?
RentalBux is a strong fit if you:
Landlords with Mixed Income Streams
If you earn from both property and self-employment, RentalBux handles sole trader income alongside UK and foreign property income in a single MTD-compliant platform.
Joint Owners and Family Portfolios
The automated profit-sharing split is a standout feature. Define ownership percentages once and RentalBux calculates each owner's share automatically.
Budget-Conscious Landlords Entering MTD
Free MTD software for single-property landlords until March 2028, with no upfront commitment.
Landlords Who Want Proper Accounting Structure
Chart of accounts, journal entries, profit & loss, balance sheet, and trial balance give RentalBux a structured accounting foundation.
Accountants and Letting Agents
Agent filing on behalf, multi-user access, and spreadsheet import make RentalBux practical for professionals managing multiple landlord portfolios.
Commercial Landlords and HMO Owners
Invoice creation with branding for service charges, plus automatic HMO unit creation and tenant management.
Who Should Choose Ajaccts?
Ajaccts is worth considering for:
Limited Company Directors Needing CT600 Filing
CT600 is Ajaccts' specialist strength. If your existing bookkeeping software doesn't support Corporation Tax filing, Ajaccts is specifically designed to fill that gap — including for international clients worldwide.
SME Owners Wanting VAT, Payroll, SA, and CT600 in One Platform
For small business owners juggling multiple HMRC obligations, Ajaccts offers a single cloud platform covering all of them. This consolidation was the founding purpose of the platform and remains its primary value proposition.
Directors of CICs, Not-for-Profits, and Creative Businesses
Ajaccts documents specific support for Community Interest Companies, Not-for-Profit organisations, and businesses claiming R&D or Creative Tax Relief which is a niche but genuinely valuable capability not commonly found in SME accounting platforms.
Business Owners Who Want a Fully Managed Service
For owners who prefer to hand off all bookkeeping and compliance to a human team, Ajaccts' managed bureau service model — where you simply upload receipts and the team handles everything is a compelling, relationship-based alternative to DIY software.
Landlords Monitoring Ajaccts' MTD ITSA Development
If you have existing Ajaccts relationships for VAT or CT600 and want to consolidate your MTD ITSA compliance onto the same platform, it may be worth monitoring Ajaccts' progress toward HMRC recognition with a confirmed alternative like RentalBux in place in the meantime.