Direct filing to HMRC is pending HMRC recognition. Start your bookkeeping free now — filing switches on the moment we're approved.
How it worksFeaturesPricingFree toolsFAQLog in
← All tools

Free tool

MTD Readiness Checker

Am I affected by Making Tax Digital, and from when? Answer a few questions and get a personalised answer — whether you’re mandated, which phase, what you must do, and your deadlines.

Rent received before any expenses.
Sole-trader turnover before expenses. Leave blank if none.

Fill in your figures above to see if and when MTD applies, and what you’ll need to do.

Based on 2026/27 UK tax rules · GOV.UK source · This is an estimate, not personal tax advice — always check your own circumstances with HMRC or a qualified accountant.

How we work out whether MTD applies to you

Making Tax Digital for Income Tax is being phased in by qualifying income — your gross income from property and self-employment added together, before expenses. The checker compares that figure to the thresholds and tells you which phase you fall into:

  • Over £50,000 — mandated from 6 April 2026
  • Over £30,000 — mandated from 6 April 2027
  • Over £20,000 — mandated from 6 April 2028

It uses gross income (not profit), splits jointly-owned property by your share, and excludes property held in a limited company and income like salary or pension — the four things landlords most often get wrong. Once you know your phase, see the exact dates with the MTD Deadline Calculator, or read what Making Tax Digital actually is.

When filing opens, Quarterwise keeps your records and files your quarterly updates and final declaration to HMRC — free for your first property.

Common questions

Do I have to use Making Tax Digital as a landlord?
You must use MTD for Income Tax once your qualifying income (gross property + self-employment income) passes the threshold for the current phase: over £50,000 from April 2026, over £30,000 from April 2027, and over £20,000 from April 2028.
Is the threshold based on my profit?
No — it is gross income (turnover) before expenses, not profit. Property and self-employment income are added together for the test.
What if I own the property jointly?
Only your share of the rental income counts towards your qualifying income, and the threshold is measured per person. This checker splits jointly-owned rent by the share you enter.
What about property held in a limited company?
Company-held property is outside MTD for Income Tax — the company pays Corporation Tax and reports separately. It does not count towards your personal qualifying income.
Does my salary or pension count?
No. Employment, pension, savings and dividend income do not count towards the MTD qualifying-income threshold, though they remain taxable and are reported in the usual way.

Be ready for Making Tax Digital, the easy way.

Set up your first property in two minutes. Free forever, no card needed, cancel any time.

Start free todaySee how it works
Join landlords across the UK getting their tax sorted.