Best MTD Software Under £10/Month for UK Landlords

Ten pounds a month. That is the line in the sand for thousands of UK landlords looking for Making Tax Digital software. With rental margins squeezed by mortgage rate rises, Section 24 tax relief restrictions, and rising maintenance costs, every pound of subscription spending needs to justify itself. The good news is that genuine MTD compliance does not require an expensive subscription — several capable platforms operate well below the £10 per month threshold.

We identified every MTD-compatible platform available to UK landlords that costs less than £10 per month (or £120 per year) and tested each one against the features landlords actually need: quarterly HMRC submissions, property expense tracking, bank feeds, and usability. The results are clear — you can get full MTD compliance for free, but the differences between sub-£10 options in terms of features, automation, and landlord-specific functionality are significant.

This guide breaks down the five best MTD platforms under £10 per month, compares their features side by side, and helps you choose the right one for your portfolio size and management style. For a broader view covering all price points, see our complete ranking of 10 low-cost MTD platforms.

Why £10/Month Is the Budget Sweet Spot

Survey data from landlord associations consistently shows that the majority of UK landlords are willing to spend between £5 and £15 per month on property management software. The £10 mark sits right in the middle of that range — affordable enough that it does not meaningfully impact rental yields, yet high enough that software providers can deliver meaningful features beyond bare-minimum compliance.

The HMRC mandate adds urgency to this calculation. From April 2026, landlords earning over £50,000 gross must submit quarterly digital updates using recognised MTD software. Non-compliance penalties start at £100 per missed submission and can escalate rapidly. For landlords already operating on tight margins — particularly those affected by Section 24 mortgage interest restrictions — the choice of affordable MTD software is not optional but a business-critical decision that directly affects profitability.

5 MTD Platforms Under £10/Month

Five MTD-compatible platforms meet our under-£10-per-month criteria. Three are completely free, one offers both free and paid tiers, and one is paid-only at £8 per month. Here is the pricing overview before we dive into individual reviews.

Latch Free — Best Overall Under £10

Latch Free is not just the best free option — it is the best option under £10 per month, full stop. No other platform at this price point combines MTD compliance with genuine property management features. You get quarterly HMRC submissions, compliance certificate tracking with automated expiry alerts, tenant management, bank feeds, and AI-powered categorisation, all without paying anything. The 3-property limit is the only meaningful restriction, and for the majority of UK landlords who own 1-3 properties, it is not a limitation at all.

The platform's AI features set it apart from every other free competitor. Receipt scanning uses AI to extract amounts, dates, and categories automatically. Transaction matching learns your spending patterns and suggests categorisations. These are features that paid platforms at £15-30/month struggle to match, and Latch includes them at zero cost. For a detailed analysis of how Latch compares to other budget options, see our four-way comparison of budget MTD platforms.

QuickFile — Best Free General Accounting

QuickFile is the most established free accounting platform in the UK, and its MTD compliance is solid. For landlords who are comfortable with accounting software and only need a filing mechanism, it delivers a surprising amount of capability at zero cost. Bank feeds, invoicing, and basic reporting are all included, which puts it ahead of most free competitors on raw accounting features.

The fundamental weakness for landlords is that QuickFile was not designed for property. Every property income category, every expense type, every SA105 mapping must be configured manually. There is no concept of a 'property' in the system — just accounts, invoices, and transactions. For a single property, this is manageable. For five or more, the manual overhead becomes a genuine productivity drag.

ANNA Money — Banking and MTD Combined

ANNA Money takes an interesting approach: combine your business banking with your MTD compliance. If you run your rental income through an ANNA account, your transactions are automatically available for MTD submissions without any bank feed setup. The free tier handles basic banking and MTD, while the paid tier (£11/month, technically just above our £10 threshold) adds receipt scanning and enhanced categorisation.

The trade-off is platform lock-in. Your MTD compliance is tied to your ANNA bank account, which means switching banks means switching your MTD tool as well. For landlords who are happy with ANNA as their rental income account, this integration is convenient. For those who prefer to keep banking and software decisions independent, it creates an uncomfortable dependency.

Hammock — Best Paid Option Under £10

Hammock is the only paid platform on this list under £10 per month, and it justifies the £8 price tag by being purpose-built for landlord tax. Where QuickFile requires you to set up your own property categories, Hammock comes pre-configured with SA105-aligned income and expense types. Where RentalBux offers minimal features, Hammock provides Open Banking feeds, detailed tax reports, and a clear path from transaction recording to HMRC submission.

The flat-rate pricing is Hammock's strongest commercial advantage. Whether you have 1 property or 25, the cost stays at £8/month. That makes it increasingly cost-effective per property as portfolios grow — under £4 per property per year at 25 properties. For landlords who want a step up from free tools without committing to a full management platform, Hammock offers the best value in the paid sub-£10 space.

RentalBux — Free Bare Minimum

RentalBux provides the minimum viable MTD compliance at zero cost. It handles rent tracking, expense recording, and HMRC submissions. That is essentially it. If you want the absolute simplest, no-frills path to MTD compliance and you are happy to manage everything else manually, RentalBux will do the job. But for the same price (free), Latch Free offers dramatically more capability — making RentalBux difficult to recommend unless you specifically prefer its simplicity.

Feature Comparison at Sub-£10

Price is only half the story. The table below compares the key features landlords need across all five sub-£10 platforms, revealing the significant capability gaps between free and near-free options.

The comparison makes Latch Free's advantage clear: it is the only sub-£10 platform that offers property management, tenant management, compliance tracking, and AI features. Every other platform in this price bracket treats property income as just another category of business income, with no awareness of the specific operational needs of landlords.

Bank feeds are available on four of the five platforms, which is encouraging — automatic transaction imports eliminate hours of manual data entry. Only RentalBux lacks this feature, which is a significant limitation for landlords with regular transaction volumes. Receipt scanning, however, is rare at this price point. Only Latch Free offers AI-powered receipt scanning on a free plan.

What You Sacrifice Below £10

Staying under £10 per month means accepting certain limitations. Understanding what you are giving up helps you decide whether the savings are worth the trade-offs — or whether spending slightly more would deliver a better overall outcome for your portfolio.

• AI-powered automation at scale: While Latch Free includes AI features, the full AI agent (autonomous rent chasing, document analysis, tenant communication drafting) requires Latch Pro at £20/month
• Unlimited properties: Latch Free caps at 3 properties. Other free platforms have no property limits but lack property-specific features entirely
• Advanced reporting: SA105-ready tax reports, profit and loss by property, and year-on-year comparison reports typically require paid tiers
• E-signatures and document management: Digital tenancy agreement signing and organised document vaults are premium features across all platforms
• Priority support: Free tiers typically offer community forum support or email-only support with longer response times
• Team access: If you manage properties with a partner or property manager, multi-user access usually requires a paid subscription

Free vs Paid Sub-£10

Is it worth paying £8/month for Hammock when free options exist? The answer depends on what you value most. Here is how the free platforms compare against the only paid option under £10.

The comparison reveals an interesting dynamic. Latch Free offers more features than Hammock at a lower price (free vs £8/month), but with a 3-property limit. Hammock offers unlimited properties but no management features. QuickFile offers unlimited properties and is free but requires significant manual setup for landlord use. The right choice depends on your portfolio size and whether you value management features or unlimited scale more.

For landlords with 1-3 properties, Latch Free is objectively the strongest option — it offers everything Hammock does and more, at zero cost. For landlords with 4+ properties who specifically want a low-cost, tax-focused tool without management features, Hammock's flat £8/month rate becomes the better value proposition. For landlords who only need accounting with MTD filing, QuickFile provides a capable free alternative.

Recommendation by Portfolio Size

For a deeper dive into which platforms work best at larger portfolio sizes, read our analysis of why Latch is the best low-cost MTD solution for UK landlords.

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