UK Landlord Spreadsheet 2026/27: MTD, SA105 and Section 24 Tracker

What's inside

Income and expense logs, with SA105 box dropdowns and ownership % for joint owners
Mortgage interest kept separate (box 44), with the Section 24 20% reducer: lowest of finance costs, profit and income, plus carry-forward
£1,000 property allowance comparison: shows which option leaves you better off
MTD standard update periods with deadlines and cumulative year-to-date totals
Profit per property
No NI on rental income, handled correctly. Works in Excel and Google Sheets. One-off £12.

Why landlords use it

Next MTD deadline: 7 November 2026 (6 April to 5 October update). The Quarters tab gives you the exact cumulative figures.
Shows whether the £1,000 property allowance or actual expenses leave you better off.
Each figure is checked against a dated gov.uk source. The 2027/28 property rates (22/42/47%, reducer at 22%) are enacted in Finance Act 2026, and the rate cells are editable.
No logins, no bank feeds, no monthly fee. Your data stays on your computer.

Who it's for

Individual landlords in England, Wales and NI with one to twenty residential lets, including anyone joining Making Tax Digital in April 2027 (over £30,000 qualifying income) or April 2028 (over £20,000). See gov.uk. Not for limited companies, furnished holiday lets or Scottish taxpayers.

Estimate only, not tax advice. Rough 2026/27 figures for individual UK residential landlords using England, Wales and Northern Ireland rates (not Scotland, not companies). It doesn't submit anything to HMRC. Check with HMRC or a qualified accountant.

FAQ

How do I get it? Straight after payment you're taken to the download page. Stripe also emails your receipt.

Does it work in Google Sheets? Yes. Use File → Import → Upload. It works in Excel 2016+ and LibreOffice too. No macros.

Refunds? It's a digital download. If the file won't open, email us within 14 days and we'll fix it or refund you.

Does it file to HMRC? No. It gives you the figures to enter in HMRC-recognised bridging software or on your SA105.

I want immediate access to the download. I understand that once the download starts I lose my 14-day right to cancel. Faulty files are still repaired, replaced or refunded. I accept the terms of sale.

Buy and download (£12)

Secure checkout by Stripe, priced in GBP.

Rates checked on 15 October 2026 against official sources: gov.uk income tax rates · Section 24 relief · property allowance · MTD quarterly updates · 2027/28 property rates (Finance Act 2026 s.7).

General information only, not tax, legal or financial advice. Our liability is capped at the price paid, as far as the law allows. Your statutory rights are not affected. See the terms of sale.