Free MTD filing to HMRC for self-employed and landlords

Quarterwise keeps a digital record of your rental and self-employment income and expenses
File quarterly MTD updates direct to HMRC
Submit yearly tax returns to HMRC
Free forever for your self-employment or first property
£12 a month or £99 a year for unlimited businesses or properties
HMRC-recognised (ref C2V6MT)

Quarterwise dashboard: setup 4 of 5 done, ready to file the first quarterly update, with two properties and their net figures

Start free. Upgrade only if you need to.

One property or your self-employment, and happy doing it by hand? You'll never pay a penny. More than one, or want the clever bits? Pro has you covered.

MonthlyYearlySave ~30%

Free

For your self-employment or a single property, kept by hand. Everything you need to stay compliant.

£0/ forever

No card required

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Includes

1 property or business
Manual entry & CSV import
Quarterly updates + tax return
Deadline reminders
Basic categorisation
Invoices for your business

What HMRC now requires

If your income from property and self-employment is over £50,000 a year, HMRC now asks you to keep digital records and report through the year instead of once every January.

Making Tax Digital for landlords and the self-employed measures your income before expenses, from property and self-employment added together. Wages, pensions, savings interest and dividends don't count toward it.

It sounds like more work. For most people it works out easier than the January scramble, once the records are going in as you go.

Keep digital records

Log your rent and expenses as you go, or import them from a spreadsheet. Snap a photo of a receipt and we'll file it against the right property.

Send four updates a year

Every quarter, HMRC wants a summary of your income and costs. Quarterwise totals it up for you, so you just check it over and approve.

One tax return

At year end, confirm your figures and any reliefs. We submit your tax return to HMRC and tell you what's owed. Done.

Quarterwise handles all three.

The Quarterwise dashboard showing net figures for two properties, setup progress and the next filing deadline — The dashboard shows the net figure for each property and whether you're ready to file.

Built for landlords and the self-employed

The handful of things you actually need to stay on top of your tax, and nothing else.

Income & expense tracking

Record what comes in and what goes out, for each property and business. Simple categories that match how HMRC wants it.

Snap & store receipts

Photograph a receipt and we keep it against the right expense. No more shoeboxes.

Smart categorisation

Quarterwise suggests the right category for each entry. You confirm anything it's unsure about in a quick review queue.

Pro

Per-property profit & loss

Income, costs and net profit for each property, kept neatly apart. Add as many properties as you own. Each one keeps its own books, and they roll up into the single UK property figure HMRC asks for each quarter.

Live tax estimate

A running estimate of what you'll owe, updated as you record. Most people check it more than they expected to.

Pro

Deadline reminders

Email reminders well before each quarterly update and the tax return are due.

Self-employment books

Self-employment alongside your property, with SA103 categories, invoices you can send as a PDF, and CIS deductions tracked so you never pay the same tax twice.

Property abroad

HMRC treats overseas property as a separate business with its own quarterly updates. We handle that split for you, and record foreign tax paid so you can claim relief on it.

A property page in Quarterwise showing the year's income, expenses and net profit, with buttons to record income, record an expense or import from a file — The books for one property: income, expenses and net profit for the year, recorded as you go.

How to choose MTD software for landlords

Start with HMRC recognition. Any tool you file through must be on HMRC's list of software that works with Making Tax Digital. Then check it was built for property. You want each property kept separate, rent and costs in HMRC's own categories, and overseas property handled as its own business. Check you can bring your history across from a spreadsheet. Finally, look at what you pay as your portfolio grows, not just for the first property. Quarterwise is recognised by HMRC and free for one property or your self-employment, so you can try the whole process before paying anything.

How it works

From rent received to HMRC, in four steps

Add your properties and business

Pop in each property address, or your business name and trade. Two minutes and you’re set up.

Record as you go

Add income and expenses by hand, import a CSV, or snap receipts. Little and often is all it takes.

We prepare your figures

Each quarter, Quarterwise totals everything into the summary HMRC asks for.

Approve & file

Check it over, tap approve, and we submit it to HMRC for you. You’ll get confirmation in writing.

The live tax estimate applies the £1,000 property allowance automatically when it saves you more.

The live tax estimate showing total income, expenses, net profit and estimated tax, with the property allowance applied — The live tax estimate applies the £1,000 property allowance automatically when it saves you more.

Where your data lives

We treat your financial information the way a bank would. It's encrypted and kept in the UK. We never sell it or share it.

Industry-standard encryption

Everything is encrypted in transit and at rest, using proven, up-to-date encryption standards.

Hosted in the UK

Your records are stored on UK servers and are fully GDPR compliant.

Full audit trail

Every figure and submission is logged and timestamped, so you can always see exactly what was sent.

Support by email

Answered by the founder, usually the same day.

Questions people ask us

Do I actually have to use Making Tax Digital?

If your income from property (and any self-employment) is over £50,000 a year, then yes. HMRC requires digital records and quarterly updates from April 2026. The threshold lowers to £30,000 in April 2027 and £20,000 after that. Quarterwise keeps you on the right side of the rules whichever band you’re in. Read the full guide →

Is Quarterwise recognised by HMRC?

Yes. HMRC has granted Quarterwise the "MTD ready – recognised by HMRC" trademark, reference C2V6MT. Quarterwise files through HMRC’s official Making Tax Digital APIs. See Quarterwise’s listing on GOV.UK →

I own a property jointly. How does Making Tax Digital work?

Each owner counts only their own share of the rent toward the threshold. If your share takes you over, you keep records and send updates for your share. Your co-owner looks at their own position separately.

My letting agent takes a fee. Which rent figure counts?

The full rent your tenants pay, before the agent’s fee comes off. Record the rent gross and the fee as an expense. That gross figure is what counts toward the threshold.

I only have one property or one business. Is the Free plan really free?

Yes. One property or one self-employment business, manual entry and CSV import, your quarterly updates and your tax return to HMRC, all free, with no card required and no time limit. We only charge if you need more properties or businesses, or the time-saving extras in Pro. Read the full guide →

What if I already have an accountant?

Quarterwise works well alongside an accountant. Keeping tidy digital records through the year makes year end quicker, and you can export your records as a PDF or spreadsheet to hand over. It is designed to work alongside your accountant rather than replace them. Read the full guide →

Can I import my earnings from Airbnb, Vrbo or Booking.com?

Yes. Download your earnings report from the platform and import the file. Your income is recorded gross with platform fees as expenses, the way HMRC needs it, and re-imports never double-count. Booking.com hosts can import their monthly commission invoices too, so profit is never overstated. Read the short-term let tax guide →

I’ve always used a spreadsheet. Can I bring it across?

Yes. Export your spreadsheet as a CSV and import it in a couple of clicks. We’ll help match your columns to the right categories, so nothing gets lost.

Is my financial information safe?

Your data is encrypted in transit and at rest, hosted on UK servers, and fully GDPR compliant. We never sell or share it. You can read more in our security overview.

What if I have other income besides property?

Quarterwise covers UK property, property outside the UK and self-employment income, including quarterly updates, year-end adjustments and the tax return. If you also have employment, a pension, savings interest, dividends, capital gains or partnership income, you can still keep your property and business records here, but you should report that other income, and submit your tax return, in software that supports it. Under Making Tax Digital you can use more than one product. Read the full guide →

When are the deadlines?

Quarterly updates are due roughly one month after each quarter ends, and your tax return by 31 January following the tax year. Quarterwise reminds you well ahead of every date, so you’re never caught out. Read the full guide →

What happens if I miss a quarterly update?

HMRC uses a points system. In the first year, 2026 to 2027, late quarterly updates earn no penalty points. From 2027 to 2028 each late update adds a point, and at four points you get a £200 penalty. A late tax return or late payment is penalised from the start. Deadline reminders are there so it never comes to that. Try the penalty calculator →

I live outside the UK. Does Making Tax Digital apply to my UK rental income?

Yes, if your qualifying income is over the threshold. Non-resident landlords follow the same rules for their UK property income as landlords living here.

I have a property abroad. Can Quarterwise handle it?

Yes. Add the property and tick that it is outside the UK, then choose the country. HMRC treats overseas property as a separate business from your UK property, with its own quarterly updates, and Quarterwise handles that split for you. Record amounts in pounds using HMRC’s published exchange rates. You can also record foreign tax you have already paid and claim Foreign Tax Credit Relief, so you are not taxed twice on the same income.

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