Free · private · on your device
Free tools for landlords
Everything you need to work out where you stand and prepare a disclosure — calmly, and at your own pace.
A complete set of practical tools: a disclosure workbench, calculators, and checklists — including commercial finance calculators. They’re genuinely free, need no sign-up, and run entirely in your own browser — nothing you type is sent anywhere or saved by us. ✓ Updated for the 2026/27 tax year.
The tools
Eighteen free landlord tax tools and calculators, all running privately on your device. Not sure where to begin? Start with the guided help, or the Workbench if you’re ready to prepare a disclosure.
Not sure which you need? Find your situation:
“I’ve had a letter from HMRC.”
Start with the guided help to understand it, then the nudge-letter checklist to respond calmly.
“I owe tax on rent I didn’t declare.”
Use the Workbench to build your record and the annual accounts to work out the tax, year by year.
“I’m selling a rental property.”
Work out the gain with the CGT calculator, and read the CGT guide for the reliefs and the 60-day rule.
“I’m thinking about finance or remortgaging.”
Check the numbers with the buy-to-let calculators, or the DSCR calculator for commercial property.
“I want to see my whole position.”
Pull it together with the portfolio schedule, the balance sheet, and the income & expenditure statement.
“I just want to understand the tax.”
Read the plain-English guides to Section 24, capital allowances, and capital gains tax.
If you only use one tool
Or browse all the tools below, grouped by what you need — from working out your position to the calculators and plain-English guides.
Start here
Where do I stand? — Guided help
Not sure what any of it means? Answer a few plain questions by how things feel, and get calmly routed to the right next step — including honest, steadying guidance when a situation is serious.
Start the guided help → Ready to disclose?Which Route?
You know you need to put things right — but which HMRC route is yours? A few plain questions point you to the Let Property Campaign, Digital Disclosure Service or Worldwide Disclosure Facility.
Find your route → See the numberLiability Estimator
See roughly a single year’s tax on your rental profit, to gauge the scale of what’s owed before you commit. Your rental profit is taxed on top of your other income, so treat it as an indication.
Open the estimator →Facing an HMRC enquiry
The Seven-Part Check
Every document HMRC asks landlords for, in the order HMRC checks them, in plain English. Tick things off as you find them, print your list, and read what HMRC can and cannot ask for.
Open the Seven-Part Check → HMRC lettersNudge letter and certificate of tax position
A nudge letter asks you to check your position, and often to sign a certificate of tax position. What it is, why you are not obliged to sign, and how to reply properly.
Read the guide → What will it cost?LPC Penalty Calculator
See what a Let Property Campaign disclosure could cost — tax, interest and penalty — and how much coming forward now saves versus waiting for HMRC. A clear, visual side-by-side.
Work out the cost →Property calculators
Buy-to-Let Calculators
Four tools in one: a rental yield calculator, a lender stress test that shows your maximum loan, a stamp duty (SDLT) calculator, and calculators for void-period cost and a rent increase.
Open the calculators → Selling upCapital Gains on a Rental Sale
A capital gains tax calculator for selling a rental property. It covers the base cost, improvements and costs of sale, and the reliefs that may reduce the gain if the property was ever your home.
Open the CGT calculator → Your numbersAnnual Property Accounts
A landlord accounts spreadsheet that works out your rental profit and tax across several properties and years. It handles the rental income, every allowable cost, and the taxable profit.
Open annual accounts → Property dealsCompletion Statement Reconciliation
Reconcile a completion statement line by line, using proper double entry, so a purchase or sale adds up and every figure lands in the right place — nothing missed.
Open the reconciliation → The big pictureProperty & Debt Schedule
A property portfolio spreadsheet and net-worth tracker — loan-to-value, equity, yield and rent cover across every property and its debt, in one place. Import, export, keep it on your device.
Open the schedule →Commercial finance
Personal finance
Income & Expenditure Statement
An income and expenditure form and budget planner — what comes in, what goes out, and what’s left each month. Useful for showing HMRC your circumstances when discussing what you can afford. Excel and PDF export.
Open the statement → Net worthPersonal Balance Sheet
A personal balance sheet and net worth calculator — what you own, what you owe, and what you’re worth, so you can see your whole position in one place. Excel and PDF export.
Open the balance sheet →Understand the tax
Section 24 Explained
A Section 24 calculator and plain-English guide — why landlords can no longer deduct mortgage interest in full, how the 20% credit works, and what it means for your tax.
Understand Section 24 → Claim what you canCapital Allowances Explained
What capital allowances a landlord can claim — especially on commercial and furnished holiday lets — and how to work out the relief, with a calculator.
Understand allowances → Selling a rentalCapital Gains Tax Explained
How CGT works when you sell a rental property — the rates, the reliefs (annual exempt amount, Private Residence Relief), and the 60-day reporting rule, in plain English.
Understand CGT → Your recordsMortgage Records
One record of every mortgage: lender, rate, end date, interest paid. Reminds you before a fixed rate ends and gives you the interest figure HMRC checks.
Open mortgage records → Your recordsTenancy Records
Every tenancy in one place: tenant, rent, deposit, and when each safety certificate expires. Warns you before a gas, EPC or EICR certificate lapses.
Open tenancy records → FinanceBuy-to-let Affordability
Will the rent cover the mortgage on a lender’s stress test? Check a purchase or a remortgage before you apply.
Check affordability → Understand the taxCorporation Tax for Landlords
How a company landlord is taxed: rates, mortgage interest in full, dividends and the trade-offs against holding property personally.
Read the guide → HMRC lettersReply-letter Builder
The two safe first replies to HMRC: acknowledge and ask for a realistic date, or ask HMRC to specify what it holds and requires. Fill in, print, sign, post.
Write your reply → HMRC lettersLetter Decoder
Which of the six HMRC letters have you received? Pick it and see what it is, what HMRC wants, your deadline, and what to do next.
Decode your letter →How the tools help — and why they’re private
The calculators reflect current rates and rules, and are reviewed for each tax year.
- They run entirely on your device. Everything happens in your own browser. Nothing you type into a tool is sent to us or saved anywhere — so you can work through your figures in complete privacy.
- They’re built for beginners. Plain inputs, clear results, no jargon. You don’t need to be an accountant — that’s the whole point.
- They join up. The Workbench is the hub: the checklists tell you what to gather, the estimator and calculators work out the numbers, and it all builds toward a complete, disclosure-ready record.
- They put you in control. The point is that you’re never dependent out of fear or confusion. You do the groundwork yourself, from a position of strength — and getting help becomes a smart, informed choice for the genuinely hard parts, not a reflex. We’re based in Hounslow, west London, and help landlords across the UK.
Common questions
- Are these tools really free — what’s the catch?
- There’s no catch. Every tool is genuinely free, with no sign-up and no card details. They’re how we introduce ourselves and show we know this area — if you later want a hand, you know where we are, but there’s no obligation. They run in your own browser and nothing you enter is sent anywhere or saved by us.
- Which tool should I start with?
- If you’re not sure where you stand, start with the guided help. If you’re ready to prepare a disclosure, start with the Workbench — the other tools feed into it.
- Do the tools give me tax advice?
- No. They help you organise your figures and understand your position. They give information, not advice about your specific situation, and you remain responsible for what you sign and submit.
- Is my information safe?
- Yes. Because everything runs on your own device and nothing is transmitted, your figures never leave your computer.
- Do I need to download or install anything?
- No. The tools open straight in your web browser — nothing to download or install. Some tools let you export your finished work as an Excel or PDF file if you want a copy, but that’s optional.
- Will they work on my phone?
- Yes. The tools work on a phone, tablet or computer. For the bigger calculators (like the accounts and balance sheet), a larger screen is easier — but they all function on mobile.
- Can I save my progress and come back later?
- Yes. The main tools let you save your work to a file on your own device and open it again later. Some also offer optional on-device saving in your browser. Either way, your data stays with you.
Everything you need to take the first step
These tools exist so you can understand your position and prepare properly — calmly, privately, and without paying anyone to do the groundwork you can do yourself.
And if you’d rather have a hand, or a situation turns out to be more serious, we’re here — no obligation, no pressure.
Need a hand choosing, or want to talk it through?
No charge to make contact, and no obligation. Tell us where you are and we’ll point you to the right tool — or help directly.