Landlord
Beta — Open beta — join the waitlist, we open seats in batchesPer-property income and expenses, Open Banking feeds and tenant communication in one place.
See the product →Beta — Open beta — join the waitlist, we open seats in batchesIncluded in Landlord · from £14/mo
Accounting software for landlords
ac-co tracks rent, mortgage interest and expenses per property, applies the Section 24 restriction correctly, and feeds straight into your Self Assessment SA105 pages — built for one property or a portfolio.
In this stack
OBLIGATIONS CALENDAR
A year in your stack, with what we do on each date.
Every tax year
- Rent, mortgage interest and expenses tracked per propertyA portfolio doesn't turn into one blended guess.
31 January
- SA105 filed inside your SA100With the Section 24 finance-cost restriction applied correctly.
Ongoing
- Section 24 impact shown per propertySee which property is losing money before it's a surprise in January.
Once MTD ITSA applies to your rental income
- Quarterly update per property business filed
Landlord
£14
or £140/yr, paid annually
- ✓3 properties included, then banded pricing
- ✓SA100 Complete filed alongside the SA105
- ✓MTD ITSA quarterly updates, £0 on this plan
HOW IT FITS TOGETHER
From connected to filed.
01
Add each property
Rent, mortgage interest and expenses tracked separately per property, so a portfolio doesn't turn into one blended guess.
02
Reliefs applied correctly
The Section 24 mortgage-interest restriction and any property allowance are worked out for you, not left for you to look up.
03
SA105 drafts itself
Your Self Assessment property pages fill from those same records — review the numbers, then file.
No sign-up — try it right here
Estimate the tax on your rental income.
Including the Section 24 finance-cost restriction — enter your rent and costs for an instant estimate.
An estimate from the figures you enter, not a filed calculation. Open the full calculator →
COMPARE
A landlord's three ways to get it filed.
| Row | Spreadsheet + bridging software | Letting agent + accountant | ac-co |
|---|---|---|---|
| £/year | Free, or a paid bridging tool | A letting agent's management fee, plus a separate accountant | From £14/mo, 3 properties included |
| Hours/year | ~8 hours | ~2 hours, plus waiting | ~15 minutes |
| Applies Section 24 correctly | No | Yes | Yes |
| Per-property P&L, not one blended figure | If you build it yourself | If asked | Yes |
Accountant + letting-agent fee is a published rate-card range, read 2026-09-13 — check your own quote.
YOUR STACK
Every part of ac-co built for this.
Each one carries its real status — no product here is described as more finished than it is.
Income Tax (MTD)
Beta — Open beta — join the waitlist, we open seats in batchesWhen MTD for Income Tax applies to your rental income, quarterly updates draft from the same records.
See the product →Self Assessment
Live — Available nowSA105 property pages filled from your rental records, with the Section 24 finance-cost restriction applied correctly.
See the product →Books
Beta — Open beta — join the waitlist, we open seats in batchesThe reconciled ledger behind both the property records and the tax return — one set of numbers, not three.
See the product →Where to go next
OBJECTIONS
Before you sign up.
Joint ownership with my spouse — does that work?
Yes — shares are apportioned per owner and each SA105 reflects their share, not a 50/50 default.
Do I need a limited company instead?
Not necessarily — many landlords stay personally owned; this plan covers personal property income either way.
What about furnished holiday lets?
FHL rules are treated separately from standard letting relief — tell us which applies per property and it's handled accordingly.
Am I mandated for MTD yet?
It depends on your qualifying income and is phased in by band — check your own position on HMRC's tool rather than a fixed date. (Source: gov.uk, https://www.gov.uk/guidance/find-out-if-and-when-you-need-to-use-making-tax-digital-for-income-tax.)
I have an SPV per property — does that still work?
An SPV is a limited company, so its return runs through the limited company plan, not this one — tell us before you sign up if you have a mix.
Sign in and see it on your own numbers.
Open beta — sign in and try it on your own organisation, still moving toward a full release.