Free tools for landlords

What is behind the numbers

None of these is a toy, and none is a lead magnet with the arithmetic hollowed out. Each runs on the same rules and rates we would use on your real figures, and each one names the date its rule applies from.

• The MTD checker adds gross rent to any self-employment turnover — before expenses, because that is how qualifying income is measured — takes your share of anything held jointly, and tests the result against all three thresholds and the tax year that decides each: over £50,000 on the 2024/25 return, mandated from 6 April 2026; over £30,000 on the 2025/26 return, from 6 April 2027; over £20,000 on the 2026/27 return, from 6 April 2028. It also flags the exemptions, including the automatic one at £20,000 or less, and the fact that partnerships are not currently in the regime at all.
• The Section 24 calculator applies the restriction the way the legislation actually works it: no deduction for finance costs, then a basic rate tax reducer of 20% of the lowest of the finance costs, the property business profit, and adjusted total income above the personal allowance. It then shows what that does to your total income — because that is what pushes people over £50,270, over £100,000 where the personal allowance is tapered away, and over the High Income Child Benefit Charge threshold. From 6 April 2027 the reducer is given at the new property basic rate of 22%.
• The incorporation calculator compares the personal position with corporation tax at 19% up to £50,000 of profit and 25% above £250,000, with marginal relief in between and both limits divided by the number of associated companies — then adds the cost of getting the money out, since dividend rates rose to 10.75% and 35.75% on 6 April 2026. It also prices the journey: capital gains tax at 18% or 24% on a transfer to a connected company at market value, and stamp duty on market value with the 5-point additional dwellings surcharge.
• The stamp duty calculator covers all three regimes rather than pretending the UK has one. Stamp Duty Land Tax in England and Northern Ireland, with the additional dwellings surcharge at 5 percentage points for effective dates on or after 31 October 2024, a further 2 points for non-UK residents from 1 April 2021, first-time buyer relief that disappears entirely above £500,000, and the 17% flat rate on a corporate purchase of a single dwelling over £500,000. Then Land Transaction Tax in Wales, and Land and Buildings Transaction Tax in Scotland with its 8% Additional Dwelling Supplement.
• The capital gains calculator runs 18% within the basic rate band and 24% above it, deducts the £3,000 annual exempt amount, handles Private Residence Relief with the nine-month final period exemption for disposals on or after 6 April 2020, and flags the 60-day reporting and payment deadline that runs from completion.

Every tool prints cleanly and can be saved as a PDF from the print dialogue, so a result can go into a file or in front of a co-owner rather than living on one screen. If a number looks wrong for your situation, that is usually worth a conversation: ask us for the accurate version, which is free. And if you would rather start with what is coming up, the landlord tax calendar is the page most people end up bookmarking.