MTD without the
spreadsheet hell.
For UK landlords who'd rather use AI than pay an accountant £600 a year. Upload your bank CSV → AI sorts every transaction into HMRC's SA105 boxes → download a quarterly PDF or submit direct to HMRC.
From £19/month · Cancel any time · Already a member? Sign in
4.4M
UK landlords affected by 2028
£200
Fine per missed quarterly
90 sec
Bank CSV → categorised
London
UK data residency
How it works
Bank statement to HMRC in 15 minutes
No accountancy knowledge needed. We handle the HMRC rules.
Upload your bank CSV
Drop in a CSV from Barclays, HSBC, Lloyds, NatWest, Monzo, Starling, Santander, or Nationwide. Or upload a Foxtons/Savills/agent PDF — our AI reads those too.
AI categorises everything
Claude maps every transaction to the correct SA105 box: rent income, repairs, insurance, letting fees, Section 24 mortgage interest. Items below 90% confidence are flagged for your 30-second review.
PDF or direct HMRC submit
Download a pre-filled quarterly PDF with every SA105 box number and a step-by-step gov.uk submission guide — or connect HMRC OAuth and submit direct. Your call.
What you actually get
Nine tools you'll use weekly
Plus 19 more for compliance, CGT, valuations, and tenant management as your portfolio grows.
AI SA105 Categorisation
Every bank transaction is mapped to the correct HMRC SA105 box — rent income, repairs, insurance, letting fees, Section 24 mortgage interest. Confidence scores flag anything uncertain for your 30-second review.
Quarterly MTD Submissions
Generate quarterly summaries from your transactions. Download a pre-filled SA105 PDF with every box number and step-by-step gov.uk instructions, or submit direct via HMRC API once your account is connected.
AI Letting-Agent Statement Parser
Upload your monthly Foxtons, Savills, or any letting agent PDF/CSV statement. AI extracts rent received, management fees, and repair costs — then maps each line to SA105 and imports as categorised transactions.
Compliance Radar
One unified calendar for every landlord deadline: Gas Safety (annual), EICR (5 years), EPC (10 years), HMO licence, ATED 30 April, MTD quarterlies, SA 31 January. Overdue items shown in red.
CGT Reports
Track your capital gains position for every property. Calculate estimated CGT on a planned sale using 2026/27 rates (18% basic, 24% higher), apply the £3,000 annual exempt amount, and factor in PRR.
HMO Per-Room P&L
HMO landlords can track income and expenses by individual room. See which rooms are profitable, occupancy rates, and download a per-room SA105 P&L PDF — the only tool that does this for small HMOs.
Tax Advisor Chat
Ask any UK property tax question in plain English. Powered by Claude, with SA105 rules, Section 24, CGT, SDLT, and MTD knowledge built in. Every answer cites gov.uk sources. Not a substitute for professional advice.
WhatsApp Receipt Bookkeeping
Forward any receipt photo or type "£125 boiler repair" to our WhatsApp number. AI categorises it instantly and adds it to your transactions. The fastest way to log an expense on the go.
Landlord Tax Calculator
Calculate your total tax bill from rental income: income tax, National Insurance, Section 24 restriction, and net take-home. Compares personal vs Ltd company ownership.
What it looks like
Every transaction. Every box. Every receipt.
A live preview of the categorisation engine. Box numbers map exactly to the HMRC SA105 form.
Built in public
“I built this because the existing MTD software felt like 2009. Landlords deserve a tool that runs at AI speed — and costs less than a single accountant invoice.”
LandlordTaxAi is a small UK-founded team shipping in public. Every feature you see lives in production today. We're on X/Twitter posting weekly metrics, customer wins, and the next thing we're shipping.
This week
- Letting-agent statement parser shipped
- HMO per-room P&L PDF generator live
- HMRC fraud-prevention headers passing
- HMRC API recognition (in review)
Critical dates
The MTD landlord timeline
6 April 2026
MTD live for £50k+ landlords
118,000 UK landlords are now legally required to keep digital records and submit quarterly.
7 August 2026
First quarterly deadline
Q1 2026/27 (6 Apr – 5 Jul) update due. First MTD penalty points issued for missed submissions.
6 April 2027
MTD extends to £30k+
Another 300,000+ UK landlords join the MTD regime. £20k threshold follows in 2028.
Comparing options? See how we stack up.
Pricing
One subscription. Every feature.
Pay per portfolio size. Cancel any time. See full plan comparison →
Starter
1–2 properties
- Up to 2 properties
- Unlimited CSV uploads
- AI SA105 categorisation
- Quarterly PDF summaries
- HMRC direct submit (when live)
- Email support
Standard
3–10 properties
- Everything in Starter
- Up to 10 properties
- HMO per-room P&L
- Letting agent statement parser
- WhatsApp receipt bookkeeping
- Priority support
Portfolio
11+ properties
- Everything in Standard
- Unlimited properties
- AI Tax Agent monitoring
- Portfolio benchmarking
- IHT & CGT planning
- Dedicated support
Accountant managing multiple landlord clients? See per-client pricing (£12/client/mo) →
FAQ
Questions worth asking
What is Making Tax Digital (MTD) for landlords?
From 6 April 2026, UK landlords with property income over £50,000 must keep digital records and submit quarterly updates to HMRC instead of an annual self-assessment. The threshold drops to £30,000 in April 2027 and £20,000 in April 2028. LandlordTaxAi handles every part of this end-to-end.
Can I use the app today, before HMRC API recognition?
Yes. Every feature works in production. Quarterly summaries, SA105 categorisation, HMO P&L, CGT and SDLT reports — all generate professionally formatted PDFs you can use immediately. When HMRC API recognition lands, direct submission switches on automatically for every existing user.
When are the quarterly MTD deadlines?
Q1 (6 Apr – 5 Jul) → due 7 Aug. Q2 (6 Jul – 5 Oct) → due 7 Nov. Q3 (6 Oct – 5 Jan) → due 7 Feb. Q4 (6 Jan – 5 Apr) → due 7 May. Missing one earns a penalty point. Four points = £200 fine, eight = £400.
Which UK banks do you support?
Auto-detect for Barclays, HSBC, Lloyds, NatWest/RBS, Monzo, Starling, Santander, and Nationwide. Smart fallback parser handles most other CSV formats. Letting agent PDFs from Foxtons, Savills, and similar are read directly by AI.
What about Section 24 mortgage interest?
Handled correctly. Mortgage interest goes into Box 44 (residential financial costs) for the 20% tax credit, not Box 26. Our AI categorises mortgage payments to the right field automatically and the quarterly PDF labels this clearly.
Is my data secure?
Yes. PostgreSQL in the London region, AES-256 encryption on HMRC OAuth tokens, TLS on all connections, no bank login credentials stored (CSV upload only), bank statement files deleted after 90 days. Full security details on /security.
Still curious? Email the founder →
Get MTD-ready in 15 minutes.
No card needed. Upload one bank statement and watch the AI categorise every transaction against HMRC's SA105 boxes.
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