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HomeMaking Tax Digital for Income TaxMTD Software for Landlords

Making Tax Digital for Landlords

Simple MTD software for Landlords with property income

Stay compliant with Making Tax Digital (MTD) for Income Tax for landlords. Track rental income, expenses, and keep digital records for HMRC - all from one platform.

Start your free 14-day trial today and prepare for MTD.

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What is Making Tax Digital for Landlords?

Making Tax Digital (MTD) is HMRC’s new system for reporting property income and expenses digitally.

Landlords must:

  • Keep digital records of income and expenses
  • Submit quarterly updates to HMRC
  • File a MTD tax return at the end of the tax year

From 6 April 2026, landlords with rental income over £50,000 must use MTD-compatible software. From April 2027, the threshold drops to £30,000 and £20,000 from April 2028.

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How MTD Works for Landlords

1.

Keep digital records

Record all rental income, expenses, mortgage interest,
and repairs digitally.

2.

Submit quarterly updates

Send summaries of your income and expenses to HMRC every three months. Coconut formats everything correctly for MTD compliance.

3.

View your estimated tax bill

Get real-time updates on your tax obligations so there are no surprises at the end of the year.

4.

File your MTD Tax Return

Confirm your totals and submit your end-of-year tax return directly to HMRC - all from one platform.

Why Landlords Choose Coconut

Automatic rental income tracking

Connect your bank account and track rent payments automatically.

Expense categorisation

Categorise any repairs, insurance, mortgage interest for HMRC compliance.

Simplified quarterly submissions

Submit rental income and expenses updates quickly and confidently.

Real-time tax estimates

Know your tax position throughout the year.

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Who Needs MTD Software?

You’ll need MTD software if you are a landlord or property owner individual and:

  • Your total rental income is over £50,000 from April 2026

  • Your income exceeds £30,000 from April 2027

  • Your income exceeds £20,000 from April 2028

Even if your income is below these thresholds, you can choose to use MTD-compatible software voluntarily to simplify record-keeping and get ahead of future changes.

Making Tax Digital Made Simple for All Landlords

Whether you have single properties, multiple rentals, or mixed-use properties, Coconut makes MTD easy:

  • Keep digital records of all income and expenses

  • Automatically categorise transactions for HMRC compliance

  • Submit quarterly updates quickly, without manual spreadsheets

  • Track tax in real time so you always know what you owe

With Coconut, every sole trader, no matter your industry, can stay compliant, save time, and manage finances effortlessly.

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What our !Coconut community says

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Frequently Asked Questions

Do landlords have to use MTD software?

Yes. If your rental income exceeds HMRC thresholds - £50,000 from April 2026, dropping to £30,000 in April 2027 and £20,000 in April 2028 - you must keep digital records and submit quarterly updates using MTD-compatible software. Coconut makes this simple by automating record-keeping and reporting.

How often do landlords submit MTD updates?

Landlords have to submit four quarterly updates, summarising income and expenses. At the end of the year, you submit a MTD tax return to HMRC. Coconut formats everything correctly for MTD compliance.

1st Quarterly update 7th August (6th April – 5th July)
2nd Quarterly update 7th November (6th July – 5th October)
3rd Quarterly update 7th February (6th October – 5th January)
4th Quarterly update 7th May (6th January – 5th April)
Can I track multiple properties in one account?

Yes. Coconut allows you to manage all rental properties in a single account. Income and expenses are automatically categorised for each property, making quarterly updates accurate and efficient.

What records do I need to keep?

You must keep digital records of all business income and expenses, including invoices, receipts, and payments.

Can I still file a Self Assessment tax return?

For tax years before April 2026, yes. After that, eligible sole traders must follow the MTD system.