LandlordTaxAi vs GoSimpleTax — UK Landlord Comparison 2026
GoSimpleTax is a capable generalist self-assessment tool, but it is not built for landlords. It handles SA105 property pages through manual data entry. LandlordTaxAiis built exclusively for rental income: AI categorises every bank transaction to the correct SA105 box automatically, supports HMO profit and loss, and connects directly to HMRC's MTD API. For landlords facing the 6 April 2026 MTD mandate, landlord-first tooling materially reduces quarterly admin.
LandlordTaxAi vs GoSimpleTax: which should you choose?
Choose LandlordTaxAi if you want AI to handle the heavy lifting of SA105 transaction categorisation across multiple properties, and you are comfortable that HMRC recognition is pending rather than confirmed. It is the right tool if quarterly admin time is a genuine pain point and you want landlord-specific output rather than a generic self-assessment form.
Choose GoSimpleTax if you are a straightforward single-property landlord with low transaction volumes, you are comfortable entering income and expense figures manually, and you also have other income types — employment, freelance, dividends — that you want to manage in one place. GoSimpleTax is a well-regarded self-assessment filing tool; it is simply not designed around the landlord workflow.
This page gives an honest feature-by-feature comparison, including the areas where GoSimpleTax genuinely does better.
Pricing comparison: GoSimpleTax vs LandlordTaxAi
Prices below are correct as at 29 April 2026. GoSimpleTax typically charges per tax return filed; LandlordTaxAi charges a monthly subscription covering unlimited quarterly MTD submissions.
| Feature | LandlordTaxAi | GoSimpleTax |
|---|---|---|
| Starting price | £19/month | ~£35–85/year (per return) |
| Pricing model | Monthly subscription | Per tax return filed |
| Free trial | Yes — no card required | Free to prepare, pay to file |
| HMRC recognised | Pending | Verify on HMRC list |
| MTD quarterly submissions | Yes (HMRC API) | In development — verify |
| AI categorisation | Full AI (SA105-native) | Manual entry only |
| SA105 box-level mapping | Yes — automated | Yes — manual |
| Multi-property support | Yes — all tiers | Yes — per return |
| Other income types (employment, dividends) | Property only | All income types |
Prices correct as at 29 April 2026. Verify current GoSimpleTax rates at gosimpletax.com. HMRC recognition status sourced from HMRC's compatible software list.
Full feature matrix
A tilde (~) indicates partial support with meaningful limitations noted beneath the table.
| Feature | LandlordTaxAi | GoSimpleTax |
|---|---|---|
| HMRC MTD API connection | ✓ | ~ |
| HMRC recognised (published list) | ~ | ~ |
| AI transaction categorisation | ✓ | ✗ |
| SA105 box-level mapping — automated | ✓ | ✗ |
| SA105 box-level mapping — manual | ✓ | ✓ |
| CSV bank statement import | ✓ | ✗ |
| Confidence scoring per transaction | ✓ | ✗ |
| Quarterly MTD update submission | ✓ | ~ |
| End of Period Statement (EOPS) | ✓ | ~ |
| Section 24 mortgage interest handling | ✓ | ✓ |
| HMO profit and loss | ✓ | ✗ |
| Multi-property dashboard | ✓ | ~ |
| CGT/SDLT calculators | ✓ | ✗ |
| Employment / other income types | ✗ | ✓ |
~ = partial support. GoSimpleTax MTD support is in development as at April 2026 — verify current status before relying on it for quarterly submissions. LandlordTaxAi HMRC recognition is pending.
Where GoSimpleTax has the edge
This comparison is fair. There are two areas where GoSimpleTax genuinely serves certain landlords better.
All income types in one place
GoSimpleTax covers employment income, freelance earnings, dividends, foreign income, and property income in a single self-assessment return. If you have a complex income picture beyond property — for example, a PAYE job alongside your rentals — GoSimpleTax lets you manage everything in one filing tool. LandlordTaxAi is focused exclusively on rental income and does not handle other income types.
Lower annual cost for occasional filers
Landlords with a single property, very few transactions, and no quarterly MTD obligation (because their income falls below the £50,000 threshold in 2026/27) may find GoSimpleTax's per-return pricing cheaper than a monthly subscription. If you file once a year and spend 30 minutes filling in your figures manually, GoSimpleTax's model is cost-effective for that specific use case.
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Built exclusively for landlords
Every feature in LandlordTaxAi exists for one purpose: making UK rental income tax compliance faster and more accurate. The interface, terminology, categorisation logic, and reporting are all structured around SA105 property income. GoSimpleTax is a generalist tool that includes property pages alongside dozens of other income types. That breadth is its strength and its limitation for landlords who want depth.
AI categorisation trained on SA105 categories
Upload your bank statement CSV and LandlordTaxAi's AI maps each transaction — letting agent receipts, maintenance invoices, insurance renewals, mortgage interest — to the precise SA105 box it belongs in. Confidence scores flag any item below 90% for your review. GoSimpleTax requires you to enter every figure manually before filing. For landlords with 20+ transactions per quarter, the time saving is substantial.
HMO profit and loss reporting
Houses in multiple occupation generate more complex transaction patterns than standard buy-to-let: room-level income, multiple tenant deposits, shared utility costs, higher maintenance frequency. LandlordTaxAi handles HMO income and expense categorisation natively and produces an SA105-specific P&L for each property. This level of granularity is not available in GoSimpleTax.
Multi-property dashboard with MTD quarterly workflow
LandlordTaxAi provides a consolidated dashboard across all your properties with a dedicated quarterly MTD submission workflow: review categorisations, approve the summary, submit to HMRC via the MTD API. GoSimpleTax is structured around the annual self-assessment return, not the quarterly MTD cycle that becomes mandatory for landlords above £50,000 income from 6 April 2026 under HMRC's MTD mandate.
CGT and SDLT calculators built in
Property transactions involve capital gains and stamp duty considerations that are specific to landlords. LandlordTaxAi includes CGT and SDLT calculators so you can model a potential sale or purchase alongside your ongoing income tax compliance. GoSimpleTax does not offer property-specific CGT or SDLT tooling as part of its standard workflow.
Which tool is right for you?
For a broader view across all available MTD options, see our full MTD software comparison for landlords.
| Your situation | Our steer | Reason |
|---|---|---|
| Multiple properties, quarterly MTD required | LandlordTaxAi | AI categorisation across multiple properties cuts quarterly admin time. Built for the MTD workflow from day one. |
| Single property, below MTD threshold, mixed income | GoSimpleTax | Low transaction volume means manual entry is manageable. All income types in one annual self-assessment filing. |
| HMO or portfolio landlord approaching April 2026 deadline | LandlordTaxAi | HMO P&L, multi-property dashboard, and SA105-native categorisation are precisely what this landlord profile requires. |
New to Making Tax Digital? Read our MTD for landlords guide for a full explanation of quarterly deadlines, what records HMRC requires, and how the new penalty regime works from April 2026. Also see our guide to the MTD penalty points system so you understand what is at stake if you miss a deadline.
LandlordTaxAi vs GoSimpleTax: frequently asked questions
Is GoSimpleTax designed specifically for landlords?
GoSimpleTax is a general self-assessment filing tool covering many income types including employment, freelance, and property income. It handles SA105 property pages but is not built around landlord-specific workflows such as SA105 box-level transaction categorisation or HMO profit and loss. It suits landlords who are comfortable categorising transactions manually before filing.
Does GoSimpleTax support MTD for Income Tax?
GoSimpleTax has indicated plans to support MTD for Income Tax, but landlords should verify its current position on HMRC's compatible software list at gov.uk/guidance/find-software-thats-compatible-with-making-tax-digital-for-income-tax before relying on it for the 6 April 2026 MTD mandate.
Does LandlordTaxAi appear on the HMRC recognised software list?
Not yet. LandlordTaxAi's HMRC recognition is pending. The software connects to HMRC's MTD for Income Tax API and direct submission is launching soon. Always verify the current recognition status at landlordtax.nexuspilot.co.uk before your first quarterly submission.
Can LandlordTaxAi handle multiple properties?
Yes. LandlordTaxAi supports multiple properties across all subscription tiers, with a dedicated dashboard for each property's income, expenses, and SA105 categorisation. The AI categorisation engine processes high transaction volumes across several properties simultaneously, reducing quarterly review time.
What is the difference between SA105 and a standard self-assessment return?
SA105 is the supplementary property income pages attached to your main SA100 Self Assessment return. It captures UK property income, allowable expenses, and residential finance costs (Box 44 for mortgage interest under Section 24). GoSimpleTax includes SA105 as part of its general filing flow; LandlordTaxAi categorises every bank transaction directly to the relevant SA105 box throughout the year.
Which tool is better for an HMO landlord?
LandlordTaxAi is the stronger choice for HMO landlords. Its AI categorisation handles the higher transaction volume typical of houses in multiple occupation — multiple tenants, separate utility accounts, and room-level income — and produces an SA105-specific profit and loss for each property. GoSimpleTax requires manual entry of all figures before filing.
LandlordTaxAi Editorial Team
The LandlordTaxAi editorial team writes about UK landlord tax, HMRC compliance, and Making Tax Digital. Our content is reviewed against current HMRC guidance and updated when legislation changes. Operated by LandlordTaxAi, United Kingdom. Follow us on LinkedIn.
Last reviewed: 29 April 2026 · This page is informational only and does not constitute tax or financial advice. Consult a qualified accountant for advice specific to your circumstances. Competitor information is based on publicly available sources and may change; always verify directly with each provider.