Rent in, costs out, the mortgage-interest credit, your Making Tax Digital return — Ledgers tracks it all and gets it ready to file with HMRC. Do the bookkeeping yourself and it's free, forever. Want the AI to do it for you and chase the rent? £14.99 a month.
Instead it's a shoebox of receipts, a spreadsheet that breaks every time you add a flat, and a tax return you dread. And Making Tax Digital is about to turn “once a year” into four times a year.
Before: You deduct it in full — and over-claim. HMRC says no (s.24).
With Ledgers: We route it to the 20% tax credit automatically. You just see the credit.
Before: Guess the split, or pay an accountant to do it.
With Ledgers: Enter your share once; your return only ever shows your half (Form 17 handled).
Before: The classic mix-up that triggers an enquiry.
With Ledgers: Repairs stay a cost; improvements sit on the property for CGT — the right side, every time.
Before: Read 40 pages of GOV.UK and still not be sure.
With Ledgers: Tell us last year's rent; we tell you if — and exactly which year — it starts.
Before: A shoebox handed to an accountant in August.
With Ledgers: Every rent and cost categorised as it lands. The return is ready by November.
Before: Booked as rent — and you've quietly overpaid tax.
With Ledgers: Held as the tenant's money, never counted as income.
Everything you need to run the property and file the tax — most of it free.
Add a property and rent & costs roll up per-property and into one UK property business. See each flat's profit, and your whole portfolio at a glance.
The quarterly updates and the final declaration that replaces Self Assessment — prepared from your books, ready to file. We're built for Making Tax Digital, and it's free.
The s.24 mortgage-interest credit, joint-ownership splits, the £1,000 property allowance, replacing domestic items — computed for you, not left to a footnote.
Because we keep a real ledger — not a tracker — your property sits on a balance sheet. So you see your equity (value minus mortgage), not just cash in and out.
Turn on autopilot: the AI categorises every transaction and checks your return like an accountant would — you just approve the edges.
Send rent invoices, track arrears, see your rent roll — on the same books, no separate app.
Most landlord apps are a spreadsheet with a nicer face, or a bridge that just passes numbers to HMRC. Ledgers owns a real general ledger: your property is an asset, your rent is income you're owed, your deposits are liabilities — so your SA105 falls out of the books, correct by construction.
Not a spreadsheet tracker (Hammock), not a filing bridge (Untied/123 Sheets) — an actual double-entry ledger you own, with the property as a real asset.
Most landlord tools charge a monthly fee just to file. Our free tier prepares your real MTD return, ready to file — you only pay if you want the AI or the billing tools.
s.24, joint ownership, the mandation date, repairs-vs-improvements — computed and explained in plain English, not buried in a 'not tax advice' footnote.
No card to start. Free forever genuinely means free — upgrade only when you want the AI to do the work or to bill your tenants.
Connect your bank, add your property, and get your Making Tax Digital return ready to file — without paying a penny.
Start free →