MTD Software for Self-Employed Landlords

Purpose-built for landlords who also have a self-employed income. Track property income and self-employment earnings separately, manage everything from one dashboard and file quarterly MTD updates for both incomes in minutes.

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Easy MTD Submissions

Rated 4.6/5 (Trustpilot)

FCA Authorised

One license, two income streams

Custom Invoices

Smart Receipt Capture

Rated 5.0 on Trustpilot

"I chose Rentalbux for MTD as I let 3 properties jointly and wanted a software platform that could manage all this plus I am self employed. The support from Rentalbux, particularly Aayoush has been outstanding. He has coached me through set up and helped troubleshoot any problems that I encountered with professionalism and patience. I can also see that Rentalbux are continually updating the platform to respond to the needs of customers, such as adding letting agent statements which makes it much easier to record gross and net income. I would highly recommend Rentalbux particularly if you aren’t familiar with using accountancy software as the support is fantastic."

Katherine Gibbon

Landlord, 3 jointly let properties

Trustpilot review, 12 May 2026

3 Jointly Let Properties

Self-Employed

MTD Compliant

What Our Other Users Say

"Mine is a simple case - landlord, sole owner, one property. I found the software pretty straightforward…"

- Christopher Slinn · 9 July 2026

"An excellent system, versatile and easy to use for any business. Excellent, top class help and support from Aayoush…"

- Richard. · Verified · 6 July 2026

4.6/5

Average Rating on Trustpilot

Two Income Streams, One Simple Solution for Self-Employed Landlords

You’re running two income streams: rental income and self-employment. Why pay for separate software? RentalBux brings both together in one platform, keeping your rental and business finances organised separately while making MTD compliance easier to manage.

Option 1 · Two separate subscriptions

You pay roughly £20–30 a month for rental software and another £18–25 for business accounting, around £40–55 a month, £480–660 a year, for two systems that don't talk to each other. At tax time you manually combine figures, and your accountant often charges extra to reconcile both sets of records.

Option 2 · Generic accounting software

One system for everything, but it wasn't built for landlords. No property-level tracking. No joint ownership splits. No Section 24 handling. You end up forcing rental income into a framework designed for invoices and stock, not property.

Without RentalBux

Two separate software subscriptions (£40–55/month)
Manual data entry from paper receipts and spreadsheets
Hours combining figures between systems at quarter-end
Generic software not designed for property-level tracking
No joint ownership profit splits or property-level P&L
Accountant charges extra for multi-system consolidation

With RentalBux

One subscription covers rental and self-employment income
Secure read-only bank feeds via Open Banking (FCA registered)
Both income streams tracked separately, reported individually
Submit up to 8 quarterly updates directly to HMRC
Joint ownership with automatic profit-splitting per co-owner
Complete records ready for your accountant. No consolidation

HOW IT WORKS

RentalBux handles both your rental property and self-employment quarterly updates. Here is how it works.

30-minute guided onboarding. Add your rental properties and set up your self-employment business. No credit card required.

Connect your bank accounts

Link your rental property bank account and business bank account separately via secure Open Banking. Transactions import automatically and are kept separate by income type.

Categorise and assign transactions

Assign rental transactions to the correct property and SA105 category. Categorise self-employment transactions by expense type. RentalBux keeps both income streams entirely separate.

Review and submit quarterly to HMRC

Confirm your figures and submit directly to HMRC. Four quarterly updates for rental income, four for self-employment, all filed from one dashboard. HMRC acknowledges each submission.

05 Coming soon

Final Declaration

Due 31 January following the end of the tax year. Final Declaration support is on its way at RentalBux.

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Everything a Self-Employed Landlord Needs for MTD, Built In

Every feature is designed to give you complete visibility into both income streams without paying for two separate systems or spending hours reconciling data.

Dual Income Stream Tracking

Track rental income and self-employment earnings completely separately within one platform. Rent from each property recorded as rental income. Client invoices tracked as self-employment. Both managed from one dashboard, reported individually for tax.

Separate P&L Reporting

Generate individual profit and loss reports for your rental portfolio and your self-employment business. See exactly how much profit each property generates. Understand business margins. Your accountant gets clean, separate reports without consolidating multiple systems.

HMRC-Aligned Ledger Mapping

Rental transactions map to HMRC's property categories (SA105); self-employment transactions map to trading categories (SA103) as they're recorded, not after the fact.

Secure Bank Feed Integration

Connect your rental property bank account and business bank account separately via Open Banking. Transactions import automatically. Property account transactions stay with rental income. Business transactions flow into self-employment categories. FCA registered via Finexer Ltd (FRN 925695).

Joint Ownership with Profit Splits

Unlimited co-owners per property on one subscription. Set custom split ratios (50:50, 60:40, or any combination) — applied automatically to every transaction. Each co-owner gets a separate MTD submission. Married couples and Form 17 elections fully supported.

Flexible Quarterly MTD Filing

File your quarterly MTD updates however suits your workflow. Import a spreadsheet, or sync your figures directly from RentalBux. Both routes produce submission-ready numbers without duplicate data entry or reformatting.

Self-Employed Landlords
Who Benefit from One Platform

If you earn income from both rental properties and self-employment, RentalBux eliminates the need for separate software while keeping your records properly organised for HMRC.

Tradespeople & Landlords

You work as a builder, plumber or electrician while renting out residential properties. Track job income and materials separately from rental income and property expenses. CIS compliance built in for construction trades. Submit separate quarterly updates for each income source.

Consultants & Landlords

Run a consultancy or professional services business alongside rental properties. Track client income and project expenses alongside rental income and property costs. Generate separate profit reports for each.

Freelancers & Landlords

Freelance contracts alongside rental income. Allocate expenses correctly between business and property. Professional invoicing for clients. Submit quarterly updates covering both income sources from one account.

eCommerce Sellers & Landlords

Sell products online and own rental properties. Track product sales, platform fees and costs separately from rental income and expenses. See which business generates better returns.

Creative Professionals & Landlords

Work as a photographer, videographer, or artist while building a rental portfolio. Track project income and equipment costs alongside rental income. Understand which income stream provides stability.

Part-time Business Owners

You run a side business (tutoring, cleaning, pet care, catering) alongside rental income. Track both streams with proper MTD compliance for each, without paying for a full business accounting package your income doesn't yet justify.

How RentalBux Compares for Self-Employed Landlords

See why landlords with self-employment income choose RentalBux over managing separate software subscriptions.

Feature	Two Separate Subscriptions	Other Accounting Software	RentalBux
Property Accounting		Limited	Full-featured
Self-Employment Tracking
One Platform
Property-Level Reporting	Sometimes
Separate Profit Reports		Manual	Automatic
Combined MTD Submission
One Subscription Price		N/A
Joint Ownership Splits	Rare

Start Free - See the Difference Yourself

Experience the power of MTD-compliant software built specifically for landlords. No credit card required.

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FAQ for Self-Employed Landlords

Common questions about managing rental property income alongside self-employment income, combining both income streams for MTD compliance, and using RentalBux to handle everything in one platform.

Do I need MTD software if I am self-employed and also a landlord?

Yes. MTD for Income Tax is mandatory from 6 April 2026 if your combined qualifying income (rental plus self-employment) exceeds £50,000. The threshold drops to £30,000 from April 2027, and £20,000 from April 2028. You will need to submit separate quarterly updates for each income source.

Can RentalBux handle both my rental and self-employment income?

Yes. RentalBux tracks rental income and self-employment earnings as separate income streams within one platform. Each has its own quarterly MTD submissions filed directly to HMRC. You manage both from a single dashboard, but they are reported individually, exactly as HMRC requires under MTD ITSA.

How many quarterly submissions do I need to make?

Under MTD ITSA, each qualifying income source requires 4 quarterly updates per year. If you have both rental and self-employment income, that is 8 quarterly submissions in total. RentalBux calculates both independently and submits each directly to HMRC from one dashboard. A Final Declaration is also due by 31 January following the end of the tax year.

Is RentalBux recognised by HMRC?

Yes. RentalBux is listed on HMRC’s official MTD software register. It submits quarterly updates directly to HMRC via the MTD API. Bank feeds are provided through Finexer Ltd, which is FCA authorised.

I own properties jointly with my spouse. Can RentalBux handle that?

Yes. You can add unlimited co-owners per property on one subscription. Set custom split ratios (50:50, 60:40, or any combination) and they are applied automatically to every transaction. Each co-owner gets a separate MTD submission. Married couples and Form 17 elections are fully supported.

I work in construction. Does RentalBux support CIS?

Yes. The self-employment module includes CIS compliance features for construction trades. You can track job income and materials separately from rental income. Both income streams are reported to HMRC individually through the quarterly update process.

Can my accountant access my records?

Yes. RentalBux includes accountant collaboration features. Your accountant can access both your rental and self-employment records in one place, without consolidating data from multiple systems. This often reduces accountant fees by removing manual reconciliation work.

Will I be penalised if I miss a quarterly deadline in the first year?

HMRC has confirmed a first-year grace period for 2026/27: no penalty points will accrue for late quarterly updates during the first year of MTD. Compliance is still required, but you will not be penalised for late submissions while getting started. From the second year onwards, 4 missed deadlines will result in a £200 fine, with £200 for each additional missed deadline.

Still have questions?

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Resources, Tips & Guides for Landlords and Sole Traders

More Resources

MTD for Self Employed

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Making Tax Digital legislation: what exactly is it?

Getting started with digital record keeping for MTD