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Stay compliant with Making Tax Digital (MTD) for Income Tax for landlords with Coconut's simple MTD software for those with property income. Track rental income, expenses, keep digital records and send your updates and submissions directly to HMRC — all from one platform.
Start your free 14-day trial today and prepare for MTD.
If you're a landlord, the main thing to know is that Making Tax Digital changes how you keep records and report income tax to HMRC.
Instead of pulling your rental income and expenses together once a year for your Self Assessment tax return, you'll need to keep digital records and send updates during the tax year using HMRC-recognised software.
Here's the simple version:
MTD for Income Tax started on 6 April 2026 for landlords and self-employed people with qualifying income over £50,000. The threshold then drops to £30,000 from April 2027 and £20,000 from April 2028.
The threshold is based on your gross income before expenses. That includes all property income and self-employment income.
You'll need to keep digital records, use compatible software, submit quarterly updates and complete a year-end tax submission.
Coconut helps you track rental income, categorise property expenses, keep digital records and send MTD updates to HMRC from one place.
That might sound like a lot at first, but it's much easier when your records are already organised. Coconut is built to help you keep everything tidy as you go, so MTD doesn't become a last-minute scramble.
Making Tax Digital for landlords doesn't need to mean more admin.
Coconut is built to help you keep your property income organised, stay on top of expenses and get ready to send updates to HMRC — without relying on messy spreadsheets or complicated accounting software.
We've already helped submit over 125,000 Self Assessments to HMRC, so when it comes to MTD for Income Tax, you're not starting with software that's new to tax.
Connect your bank account and Coconut can securely pull in your transactions, so it's easier to keep track of rental income as it comes in.
That means less time checking bank statements and more confidence that your property income is being recorded throughout the tax year.
If you rent out more than one property, Coconut can help you keep your rental income and property expenses organised in one place.
That gives you a clearer view of your property income without needing separate spreadsheets, extra tools or a complicated accounting setup.
Coconut helps you sort property expenses like repairs, insurance, letting agent fees and mortgage interest.
By keeping your property costs categorised as you go, Coconut helps take the pressure off record keeping — especially when quarterly updates or your year-end tax submission is due.
You can snap and store receipts, then attach them to the right transactions.
So, if you need to check the details later, everything is easier to find without digging through emails, folders or paper receipts.
When MTD for Income Tax applies to you, Coconut helps you submit quarterly updates directly to HMRC through HMRC-recognised software.
Your records are already kept digitally as you go, so you're not pulling figures together from scratch every quarter.
Coconut gives you a clearer view of what you may owe in tax as the year goes on.
Your tax estimate updates as your rental income and expenses change, helping you plan ahead instead of waiting until your tax return is due.
You don't need to work out Making Tax Digital on your own.
Coconut's expert support team is there to help when you need a hand, with tax knowledge that includes experience from former HMRC staff.
Making Tax Digital for Income Tax is being introduced in stages, based on your qualifying income.
For landlords, this usually means your gross property income before expenses. If you also have self-employment income, that can count too.
April
2026
Sole traders and landlords earning above £50,000 need to comply with Making Tax Digital for Income Tax.
April
2027
Sole traders and landlords earning above £30,000 need to comply with Making Tax Digital for Income Tax.
April
2028
Sole traders and landlords earning above £20,000 need to comply with Making Tax Digital for Income Tax.
The important bit: the threshold is based on gross rental income, not profit.
So, if you receive £52,000 in rental income and have £10,000 in expenses, your income still counts as £52,000 for MTD.
If you're above the relevant threshold, you'll need compatible software to keep digital records and send updates to HMRC.
Coconut keeps your rental income and expenses organised digitally, so you're ready when MTD applies.
Getting set up for Making Tax Digital doesn't need to be complicated. Coconut helps you keep your property records organised as you go, so you're not starting from scratch when a deadline comes around.
Create your Coconut account and choose the plan that fits what you need.
You can start with a free 14-day trial, with no card details needed.
Link your bank account securely through Open Banking.
Coconut pulls in your transactions automatically, so you don't have to type everything in yourself.
Track rental income, categorise property expenses and attach receipts to transactions.
That keeps your digital records tidier throughout the tax year.
When MTD for Income Tax applies to you, you can use Coconut to send quarterly updates to HMRC through HMRC-recognised software.
At the end of the tax year, Coconut also helps with your final MTD tax submission.
Coconut is designed to help landlords manage the everyday side of tax without making things feel more complicated than they need to be.
You can use Coconut to keep track of:
See rent payments as they come in, so your property income is easier to follow.
Categorise costs like repairs, insurance, letting agent fees and mortgage interest, and highlight ones you can potentially claim for.
Snap and store receipts, then attach them to the right transactions.
Keep income and expenses organised if you rent out more than one property.
Manage property income alongside self-employment income, if that applies to you, in one account.
Get a clearer view of what you may owe in income tax as the year goes on.
That means fewer loose receipts, spreadsheet headaches or last-minute sorting when your quarterly updates or year-end tax return are due.
Under MTD for Income Tax, affected landlords need to submit quarterly updates during the tax year.
These updates give HMRC a summary of your rental income and property expenses. They do not replace your year-end tax return, but they do mean your records need to stay up to date throughout the year.
Coconut helps by keeping your income and expenses organised as you go, so each quarterly update is easier to prepare when the deadline comes around.
When you're ready, Coconut helps you send your MTD updates directly to HMRC through HMRC-recognised software.
No messy spreadsheets. No copying figures into separate forms. Just a simpler way to stay on top of what's due.
6 April – 5 July
7 August
6 April – 5 October
7 November
6 April – 5 January
7 February
6 April – 5 April
7 May
Take a look at our video guide to see just how easy MTD quarterly updates can be with Coconut.
Yes — you can try Coconut free for 14 days, with no card details needed.
That gives you a simple way to see how Coconut helps you track rental income, categorise property expenses, keep digital records and get ready for Making Tax Digital.
Eligible new Zempler users may also be able to get Coconut free for 2 years when they sign up through Coconut, open a Zempler bank account and connect it in the app.
So, whether you want to try Coconut first, or you're interested in the Zempler offer, there's a free route to help you get started.
The best MTD software for landlords is software that makes tax feel easier to manage — not more complicated.
You'll need software that can help you keep digital records, track property income and submit quarterly updates to HMRC when MTD for Income Tax applies to you. But it should also fit the way you actually work as a landlord.
That means looking for software that can help with the everyday admin too, like rental income, property expenses, receipts, bank transactions and tax estimates.
Coconut is built for landlords and self-employed people who want a simpler way to stay on top of tax, without using complex accounting software or relying on spreadsheets.
If you're looking for free MTD software for landlords, you can start with a 14-day free trial. Eligible new Zempler users may also be able to get Coconut free for 2 years when they sign up through Coconut, open a Zempler bank account and connect it in the app.
Start with bookkeeping, then choose the plan that gives you the level of MTD and tax support you need.
Every plan is built for landlords and self-employed people who want to track income, claim expenses and stay on top of tax without complicated accounting software.
You can try Coconut free for 14 days. No card details needed.
Monthly pricing not available
Best for sole traders and landlords using spreadsheets to submit MTD updates
Or £129.99 per year
Best for sole traders and landlords who need HMRC-recognised MTD software for Income Tax
Then apply for a free Zempler bank account within !Coconut.
It only takes 2 minutes!
Coconut is HMRC-recognised software for Making Tax Digital for Income Tax.
That means you can use Coconut to keep digital records and send MTD updates securely to HMRC when the rules apply to you.
It's built for landlords and self-employed people who want a simpler way to stay on top of tax, without complicated accounting software or messy spreadsheets.
So, when you need to track rental income, record property expenses and submit quarterly updates, you can manage it all in one place.
Yes, if your qualifying income is above the relevant Making Tax Digital threshold.
For landlords, this usually means your gross property income before expenses. If you also have self-employment income, that can count towards the threshold too.
When MTD for Income Tax applies to you, you'll need to maintain digital records and submit updates to HMRC using compatible software.
The best MTD software for landlords is software that helps you manage property income and digital record-keeping without adding unnecessary admin.
Look for HMRC-recognised software that can track rental income, categorise property expenses, keep digital records and submit quarterly updates to HMRC.
Coconut is built for landlords and self-employed people who want a simpler way to stay on top of Making Tax Digital.
You can use Coconut to manage Making Tax Digital for landlords.
Coconut helps you track rental income, record expenses, store receipts, keep digital records and send MTD updates to HMRC through HMRC-recognised software.
It's available on mobile and web browser, so you can keep things organised wherever you prefer to work.
Coconut helps automate income and expense tracking by securely importing your bank transactions.
From there, you can categorise rental income, property expenses, repairs, insurance, mortgage interest and other costs, so your records stay easier to manage throughout the tax year.
That means less manual data entry and fewer spreadsheet headaches.
Yes. Coconut can help you keep rental income and expenses organised if you have more than one property.
This makes it easier to manage your property income in one place, instead of keeping separate spreadsheets or trying to piece everything together at the end of the tax year.
You can try Coconut free for 14 days, with no card details needed.
Eligible new Zempler users may also be able to get Coconut free for 2 years when they sign up through Coconut, open a Zempler bank account and connect it in the app.
So if you're looking for free MTD software for landlords, Coconut gives you a simple way to get started.
Making Tax Digital changes how affected landlords keep records and report income during the year.
Instead of only pulling everything together once a year, you'll need to keep digital records and submit quarterly updates. You'll also need to finalise your income tax position at the end of the tax year.
If you switched over to MTD in April 2026, you will need to file one final Self Assessment tax return for the 2025/26 tax year by 31 January 2027, in addition to your MTD submission for the 2026/27 tax year. You will then switch over to MTD entirely.
Coconut keeps your records, quarterly updates and year-end tax information connected in one place.
Yes. Coconut is built for landlords, sole traders and self-employed people with more than one income stream.
So, if you have rental income as well as self-employment income, Coconut can help you keep everything organised without needing separate software.
Yes. Coconut can make working with your accountant easier.
Your rental income, expenses, receipts and digital records are kept in one place, so you're not sending over messy spreadsheets or digging through bank statements at the last minute.
Learn more about how Coconut can work with your accountant.
If you own a property jointly, each owner may need to report their own share of the property income under Making Tax Digital, depending on their qualifying income.
Coconut can help you keep the property records organised, but if your ownership split is more complex, it's worth checking the details with your accountant.
Landlords need to keep digital records of property income and expenses.
That can include rental income received, repairs, insurance, letting agent fees, mortgage interest, receipts, invoices and other property costs.
Coconut helps you keep these records organised digitally, so they're easier to use when quarterly updates or your year-end tax submission is due.
HMRC uses a points-based penalty system for late MTD submissions:
The easiest way to reduce deadline stress is to keep your digital records up to date throughout the tax year. Coconut helps by keeping your rental income and expenses organised as you go, so you're not starting from scratch when an update is due.
Preparing early means less stress and complete compliance. With Coconut, you can:
Track income and expenses automatically
Keep all records digital for HMRC
Submit quarterly updates quickly and easily
File your MTD tax return at the end of the year
Start your free 14-day trial today and take control of your taxes.
