Plain-English guidance and simple spreadsheets for UK landlords and sole traders. Understand what's changing, keep your records your way, and send your quarterly updates with any MTD-compatible software.
From £4.99 · one-off payment · instant download
HMRC figures quoted by the NRLA suggest more than a million more people come into MTD in April 2027. Most are landlords and sole traders who have never had to report quarterly.
Joint ownership, mortgage interest, letting agents, and the April 2027 property tax rise, explained.
MTD for landlords →Tradespeople, freelancers, and small businesses: mileage, allowances, and quarterly updates without the jargon.
MTD for sole traders →Check every deduction and see how much of the tax taken from your pay you could get back.
CIS refunds explained →Use the free MTD checker to see your start date. Then read the plain-English guide to understand exactly what's needed.
Paste in your bank statement or type as you go. The spreadsheet sorts everything into HMRC's categories and works out your quarterly totals.
Point any MTD-compatible bridging software at the spreadsheet's bridging sheet and submit. Some bridging software is free.
Pay once, download instantly, and keep your files. No accounts, no logins, and no monthly fees.
Most MTD providers want you on their platform. We think many landlords and sole traders just want to understand the rules and keep a tidy spreadsheet they control.
Each update is cumulative. It covers everything from 6 April to the end of the quarter.
| Update | Starting April 2027 (2027/28) | Started April 2026 (2026/27) |
|---|---|---|
| Q1 · 6 Apr – 5 Jul | 7 August 2027 | 7 August 2026 |
| Q2 · 6 Apr – 5 Oct | 7 November 2027 | 7 November 2026 |
| Q3 · 6 Apr – 5 Jan | 7 February 2028 | 7 February 2027 |
| Q4 · 6 Apr – 5 Apr | 7 May 2028 | 7 May 2027 |
| Final declaration | 31 January 2029 | 31 January 2028 |
If you're a sole trader or landlord and your gross self-employment plus property income was over £30,000 in 2025/26, you must use MTD from 6 April 2027. Over £50,000 in 2024/25 meant you started in April 2026, and over £20,000 in 2026/27 means April 2028. Use the free checker.
Turnover. It's your gross income from self-employment and property added together, before expenses. For jointly owned property, only your share counts.
Yes. HMRC accepts spreadsheets as digital records, as long as you send your quarterly updates using MTD-compatible bridging software, which links to your spreadsheet. Some bridging software is free.
No. Our spreadsheets keep your records and work out the figures. You submit them with any MTD-compatible bridging software, including the free options listed on GOV.UK. That means you're never locked into one provider.
You can, and for some people that's the right choice. Our products suit people who want to understand MTD in plain English, keep their records in a spreadsheet they control, and pay once instead of signing up to a platform.
No. We provide general information and record-keeping tools, checked against GOV.UK. For advice on your own situation, speak to an accountant or tax adviser.
The MTD Starter Kit gives you the plain-English guide and the spreadsheet that does the quarterly sums, for £7.99.