Making Tax Digital isn't coming. It arrived in April.
MTD for Income Tax has applied since 6 April 2026 to sole traders and landlords with gross income over £50,000. Check in ninety seconds and we handle the rest.
Compliance in the background. Advice while there is still time to act.
Find out where you stand
Add your gross self-employment and property income, before expenses and mortgage interest. For joint property, count only your share. That total, for the tax year shown, is your qualifying income.
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Am I in scope?
| Your qualifying income | You are mandated from | Based on |
|---|---|---|
| Over £50,000 | 6 April 2026, already live | 2024/25 tax return |
| Over £30,000 | 6 April 2027 | 2025/26 tax return |
| Over £20,000 | 6 April 2028 | 2026/27 tax return |
| £20,000 or under | Not currently in scope |
It's not £50,000 of profit. It's £50,000 of income.
This is where people often go wrong, and it matters.
- Annual rent
- £55,000
- Mortgage interest
- £40,000
- Actual profit
- modest
- Qualifying income
- £55,000
- Turnover
- £60,000
- Costs
- £25,000
- Kept
- £35,000
- Qualifying income
- £60,000
If you have been applying the threshold to your profit, check again. You may already be in scope.
Four updates and a final declaration
You keep digital records in compatible software, send HMRC quarterly updates and file a final declaration after the year ends. If the bookkeeping is current, each update is quick.
We'll just handle it.
We check if MTD applies, set you up on Xero with your bank connected and file quarterly updates and the final declaration for you. We flag anything that needs you.
We also tell you where your tax position stands and whether anything is worth doing about it.
What our MTD service includes
Six pieces, one fixed monthly figure that only includes what you need. Compatible software is a legal requirement, so it is part of the package.
Software setup and subscription
Compatible software is the law. We deliver it through Xero, with your bank connected from day one.
Bookkeeping
Digital records are mandatory. This is the substance of compliance, not an optional extra.
Self Assessment
Becomes the final declaration under MTD. Still needed, different shape.
Catch-up bookkeeping
Mandated in April and not started? Records brought up to date fast, submissions back on track.
Property tax review
For landlords arriving through MTD who are already thinking about property tax.
Tax planning review
Wider reliefs and allowances, once the MTD basics are in place.
The MTD readiness checklist
What HMRC requires, in plain English: whether and when you are in scope, the gross income trap, compatible software, quarterly updates and what to do if you are late.
- Step 1: find out if and when MTD applies to you
- Step 2: get your records in order
- Step 3: choose the right software
- Step 4: understand the new rhythm and the penalties
- Step 5: get the right support in place
Thanks, .
The checklist is on its way to your inbox.
Questions we get asked about MTD
Calm, factual answers. The facts are urgent enough without help.
Am I actually in scope?
If your gross income from self-employment and property combined was over £50,000 in the 2024/25 tax year, you were mandated from 6 April 2026. Over £30,000, April 2027. Over £20,000, April 2028. Gross, not profit.
Does MTD apply to my limited company?
No. MTD for Income Tax applies to unincorporated sole traders and landlords. Limited companies continue under corporation tax. Property held through a company sits outside these thresholds.
Do I have to pay tax four times a year now?
No. The quarterly updates are summaries of income and expenses, not tax calculations. Payment dates are unchanged.
Can I still use a spreadsheet?
Only if it is linked to HMRC-compatible software that makes the digital submission. A standalone spreadsheet is no longer sufficient on its own. We set you up on Xero.
I am mandated and I have not done anything. How much trouble am I in?
Usually less than you fear, if you move now. HMRC confirmed no penalty points for late quarterly updates in 2026/27 for those mandated in April 2026. Penalties for late payment and a late final declaration still apply, and the full points regime starts in 2027/28. We can bring your records and submissions up to date.
What if I own property jointly?
Only your share of the gross rent counts. A £70,000 rental income split equally gives each owner £35,000, below the April 2026 threshold but above the April 2027 one.
What happens after I enquire?
Within one working day a named person gets back to you, by email or phone, whichever you gave us. If you asked for an instant estimate you already have the figure, and the call turns it into a proposal. Nothing is set up and nothing changes with your current accountant until you say yes. If it is urgent, ring 020 8087 3107.
Landlords and property investors
Section 24, the incorporation question, capital gains and the dates that matter.
Limited companies and directors
MTD does not apply to companies. If your trade has outgrown sole trader status, this is the next read.
Come and say hello.
Bring the HMRC letter, the bank statements and your current spreadsheet. We would rather hear from you now than at the next deadline.
Advice while there is still time to act.