The best MTD software for landlords in 2026 is Xero — Xero is the strongest option for landlords with multiple properties. Its tracking categories let you separate income and expenses per property.
What landlords need from MTD software
- Tracking rental income across multiple properties
- Managing expenses by property
- Handling capital allowances and mortgage interest
- Quarterly submissions for property income
Top pick: Xero
Xero — Xero is the strongest option for landlords with multiple properties. Its tracking categories let you separate income and expenses per property.
Sole traders & landlords who want a mature ecosystem and lots of integrations
Runner-up: FreeAgent
FreeAgent — FreeAgent is free with NatWest/RBS and works well for landlords with 1-3 properties.
UK sole traders & micro limited companies who want a simple all-in-one package
How to choose
The right MTD software depends on your specific situation. If xero is the strongest option for landlords with multiple properties. its tracking categories let you separate income and expenses per property., start with Xero. If freeagent is free with natwest/rbs and works well for landlords with 1-3 properties., FreeAgent is worth considering.
For a full comparison, see our Xero vs FreeAgent head-to-head.