UK Landlord Spreadsheet 2026/27, Rental Property Income and Expense Tracker, SA105 and Making Tax Digital, Excel & Google Sheets

Keep all your rental properties in one spreadsheet. Log rent as it comes in, spot late rent straight away, sort every cost into the right SA105 box, see your Making Tax Digital totals for each quarter and know what tax you'll owe for the 2026/27 tax year - with the 20% mortgage interest credit worked out for you. Works in Excel and Google Sheets.

Built for UK landlords with one property or a small portfolio - buy to let, flats, houses, HMOs and furnished lets - owned on your own or jointly.

WHAT IT DOES FOR YOU
• Rent Tracker: rent received each month against the rent due from your tenancy dates - shortfalls turn red and arrears are worked out per property
• Joint owners: put your share (e.g. 50%), enter the whole rent and costs, and your share is worked out everywhere
• Letting agent? Log the rent collected and the fees they kept - both go in the right place
• Every expense matched to its SA105 box and Making Tax Digital category, with your share of joint costs
• Mortgage interest handled properly: kept out of your profit and turned into the 20% tax credit
• Compares your costs with the £1,000 property allowance and uses whichever is better
• Safety dates for each property - gas safety, EICR, EPC, insurance and licence - with overdue and due-soon warnings, plus a deposit protection check
• Tax estimate that includes your job's pay and PAYE, so you see the real bill

WHAT'S INSIDE (15 tabs + an example file)
• Properties: 30 properties with tenancy, rent, deposit and safety dates, income, profit, arrears and the next check due
• Rent and Rent Tracker: every payment in, agent fees, other income and deposits kept, month by month
• Expenses: 1,500 rows with your share, SA105 box, MTD category and a Check column that flags mistakes
• MTD Quarterly: your totals for each quarter and year to date, grouped the way Making Tax Digital software asks, with each deadline
• Annual Summary: your SA105 boxes, including losses and finance costs brought forward
• Tax Estimate: Income Tax, the mortgage interest credit, payments on account and whether you need Making Tax Digital
• Dashboard: income, arrears, costs, profit, tax set aside, tax bill and checks due
• Plus Start Here guide, Settings, Mileage (55p a mile to your properties), Monthly Summary, Key Dates (Renters' Rights Act, landlord register, MTD and tax deadlines), What Goes Where and Rates (with GOV.UK sources)

YOU'LL RECEIVE
• Blank Excel spreadsheet (.xlsx)
• Example Excel spreadsheet filled with a sample landlord with three properties
• PDF with your Google Sheets links (click "Make a copy")

WORKS WITH
Microsoft Excel 2016 or newer (Windows and Mac) and Google Sheets with a free Google account.

PLEASE NOTE
• Digital download only. No physical item will be sent.
• It keeps your records and works out your figures. It doesn't send anything to HMRC - if you're in Making Tax Digital you still need HMRC-recognised software (bridging software can link a spreadsheet).
• Tenants' details are personal data. Keep your copy private and only record what you need.
• It's a record-keeping tool, not tax, legal or financial advice.
• Built for individual landlords. Limited companies, Rent a Room, overseas and non-resident landlords, capital allowances and Capital Gains Tax aren't covered.
• Uses 2026/27 rates for England, Wales and Northern Ireland. Scottish income tax bands are different, so the estimate won't be exact in Scotland.
• Designed by me with the help of AI tools, then checked and tested by hand.
• For your own use only. Please don't share or resell.

Questions or stuck? Send me a message, I reply within 24 hours.