UK Landlord Rental Tracker | Property Income Expense Dashboard | Tenant & Maintenance Manager | HMRC MTD Ready

🇬🇧 UK LANDLORD RENTAL TRACKER | Making Tax Digital Ready 2026 🇬🇧
Property Income & Expense Dashboard | Tenant & Maintenance Manager | HMRC MTD Ready

⚠️ MTD MANDATORY FROM APRIL 2026 IF TURNOVER >£50K (THEN £30K FROM 2027) - ARE YOU READY?
Stop scrambling with spreadsheets that break. This ALL-IN-ONE offline landlord tracker gives you HMRC SA105 categories, MTD quarterly breakdown, arrears auto-calc, and safety certificate watch - all 100% private, no Excel, no subscription, no cloud.

✅ Built by PlannerToolLab - 5.0 Rated Etsy Shop, London UK, 2.5 Years on Etsy
✅ 100% OFFLINE & PRIVATE - Data stays on YOUR device (GDPR friendly) - No cloud app subscription
✅ NO EXCEL, NO GOOGLE SHEETS, NO £9.99/MONTH SUBSCRIPTION
✅ MTD 2026 READY - Quarterly CSVs for FreeAgent, QuickBooks, Xero, HMRC
✅ SECTION 24 TRACKED - Mortgage interest separated correctly (not allowable)
✅ AUTO-SAVE + 30 CURRENCIES (£ $ € etc) + 7 BACKGROUND THEMES

-----------------------------------------------------------------
📦 WHAT YOU GET - INSTANT DIGITAL DOWNLOAD:

1. **index.html** - Main offline app (double-click to open in Chrome, Safari, Firefox, Edge)
2. **User_Guide.pdf** - 8-page guide with your shop banner logo, MTD explained, pro tips
3. Bonus inside app: Export to CSV for accountant + MTD + SA105 + Backup JSON

Works on: Windows, Mac, iPhone, iPad, Android
Offline: Open once online, then Add to Home Screen (Share > Add to Home Screen) → Works airplane mode!

-----------------------------------------------------------------
🏠 WHAT IT DOES:

📊 **DASHBOARD - PORTFOLIO OVERVIEW**
- Total rental income this tax year (6 Apr - 5 Apr UK tax year)
- Total allowable expenses (excl. mortgage interest per S24)
- Net profit + margin %
- Portfolio health: Occupancy %, Total arrears £, Certs expiring ≤60 days
- Rent due this month + arrears list
- MTD quarterly status Q1-Q4

🏠 **PROPERTIES**
Add unlimited properties: Nickname (Flat 1 Manchester), Full address, Type (Flat, House Terraced/Semi/Detached, HMO, Student Let), Bedrooms, Monthly mortgage £, Purchase price £, Current market value £, Purpose (Buy to Let, HMO, Holiday Let FHL, Rent a Room). Shows income YTD, expenses YTD, tenant count, net.

👥 **TENANTS & TENANCIES**
Full name, phone/email, property link, move-in/out dates, monthly rent £, deposit amount £, deposit scheme DPS / MyDeposits / TDS, deposit ID/certificate, status Active/Ended. UK deposit protection compliance.

💷 **RENT INCOME & ARREARS TRACKER (AUTO-CALC)**
Date Due, Date Received, Property, Tenant, Amount Due £, Amount Received £, Payment method (Bank Transfer, Standing Order, Direct Debit, Cash), Reference, Status Paid/Overdue/Partial.
Auto-calculates: Arrears = Due - Received, Next rent due, Total collected, Outstanding arrears.
Perfect for chasing late rent with factual record.

🧾 **EXPENSES - 13 HMRC SA105 CATEGORIES (NOT GENERIC)**
This is what accountants want:
- Letting Agent Fees (e.g. 10%)
- Legal Fees (lettings only, not purchase)
- Accountant / Professional Fees
- Insurance (Building & Contents)
- Repairs & Maintenance (Allowable - e.g. boiler fix)
- Ground Rent & Service Charges
- Direct Costs (Cleaning/Gardening if you pay, not tenant)
- Council Tax & Utilities (void periods only)
- Other Allowable (Licences, pest control, etc)
- Finance Costs - Mortgage Interest (Section 24 - NOT allowable, tracked separately for 20% tax credit)
- Finance Costs - Other Interest/Fees
- Capital - Improvements (Not allowable, for CGT when you sell)
- Travel - Landlord (45p per mile HMRC)

Totals: Allowable / Finance Costs (S24) / Capital. Filter by property.
Each expense: Date, Property, HMRC Category, Description for accountant, Amount £, Paid To/Contractor, Payment Method, Receipt Yes/No.

🔧 **MAINTENANCE JOBS**
Property, Priority Low/Med/High/Emergency, Job title (e.g. Leak under sink), Contractor, Estimated cost £, Scheduled date, Status To Do/In Progress/Waiting Parts/Done, Notes.

📜 **COMPLIANCE CERTIFICATES - EXPIRY WATCH**
Gas Safety (12 months), EPC (10 years), EICR (5 years), Building Insurance, etc.
Tracks: Certificate name, Property, Expiry date, Days remaining auto-calc, Status pill: OK / Expiring ≤60d / EXPIRED.
Dashboard badge: "Certs expiring ≤60d: 2"

📑 **MTD & TAX SUMMARY - HMRC MAKING TAX DIGITAL READY**
Select Tax Year: 2024-25, 2025-26 Current, 2026-27 MTD Mandatory
Tax year = 6 April - 5 April (UK, not Jan-Dec!)
Quarterly breakdown:
- Q1: 6 Apr - 5 Jul
- Q2: 6 Jul - 5 Oct
- Q3: 6 Oct - 5 Jan
- Q4: 6 Jan - 5 Apr
For each quarter: Income £, Allowable Expenses £, Profit £, Finance Costs £
+ Period display for easy copy into MTD software
Export buttons:
- MTD Quarterly CSV (4 quarters summary)
- SA105 Annual CSV (category totals for Self Assessment SA105 form)
- All Transactions CSV (for accountant - rent + expenses together)
- Per-quarter CSV (Q1, Q2, Q3, Q4 detailed)

Section 24 Note: Finance costs total £ + Estimated tax credit 20% = £X - Show to accountant.

-----------------------------------------------------------------
🔒 WHY OFFLINE HTML APP (NOT EXCEL)?

❌ Excel: Breaks formulas, version conflicts, not private, hard on phone
❌ Subscription landlord apps: £10-25/month = £120-300/year + data on their cloud
✅ OUR APP: One-time £18.99, works forever offline, auto-save every change + backup every 10s, YOUR data stays on YOUR device, GDPR friendly, 30 currencies, 7 themes, no login to forget, no subscription, print for accountant, court-friendly records

-----------------------------------------------------------------
📱 HOW TO USE - 3 STEPS - 5 MINUTES:

1. DOWNLOAD & OPEN: Unzip → Double-click index.html → On phone: Share > Add to Home Screen
2. SETUP: Properties tab → Add your properties (Flat 1, House 2) + Tenants tab → Add tenants + rent + DPS scheme
3. LOG: Rent tab → Record rent payments → Expenses tab → Log expenses with HMRC category → MTD tab → View quarterly → Export CSV

Auto-saves instantly! Green badge says "✓ Auto-saved - 3:42PM"

-----------------------------------------------------------------
🎯 PERFECT FOR:

- UK Buy-to-Let landlords (1 to 20 properties) - self-managing without agent
- HMO & Student Let landlords
- Landlords with £30k-£50k+ turnover needing MTD from April 2026/2027
- Part-time landlords with full-time job - need quick logging
- Landlords whose accountant asked for SA105 clean data
- Anyone who hates Excel and subscription apps
- UK, but works worldwide with £ $ € currencies

-----------------------------------------------------------------
💷 CURRENCIES & THEMES - NEW V2:

30 Currencies: £ GBP, $ USD, € EUR, C$ CAD, A$ AUD, NZ$ NZD, ¥ JPY, ₹ INR, R ZAR, AED, S$ SGD, HK$ HKD, CHF, kr SEK/NOK/DKK, zł PLN, $ MXN, R$ BRL, ₺ TRY, ₱ PHP, RM MYR, ฿ THB, Rp IDR, ¥ CNY, ₩ KRW, E£ EGP, QR QAR, ﷼ SAR, ₪ ILS + Custom symbol

7 Background Themes: Default Light, Dark Mode (night), Soft Blue (calm), Sage Green (family), Warm Sand (cozy), Lavender (peaceful), High Contrast (accessibility) - Click in Settings to change, auto-saves!

-----------------------------------------------------------------
⚠️ IMPORTANT:

- Digital product - no physical item ships - Instant download after payment (Etsy > Purchases & Reviews > Download)
- Personal use licence - do not share file
- This is organisational tool, not tax advice - MTD rules change, consult accountant for Self Assessment, SA105, Section 24, MTD submission
- Does NOT submit directly to HMRC - HMRC requires MTD-compatible software/API (FreeAgent, QuickBooks, Xero, etc). This gives you clean CSVs to import.
- NO REFUNDS on digital downloads per Etsy policy, but free support + bug fixes - Message PlannerToolLab!