Best Tools for UK Landlords (2026)
Updated August 2026
Between rental tax rules, Section 24, and stamp duty surcharges, being a landlord means juggling more moving parts than most. Here's what to use for each part of the picture.
Free PayToolkit tools
- Buy-to-Let Tax Calculator — work out your rental tax position including the Section 24 finance cost restriction.
- Stamp Duty Calculator — including the additional property surcharge.
- Capital Gains Tax Calculator — for when you sell a rental property.
- Landlord Income & Expense Tracker (free spreadsheet download).
Mojo Mortgages — Compare Buy-to-Let Mortgages
Compare buy-to-let mortgage deals across the market in one place — useful when remortgaging or expanding a portfolio.
Compare mortgages with Mojo →Other landlord software worth knowing about
Beyond PayToolkit's free calculators, dedicated landlord management platforms handle rent collection, maintenance and compliance for bigger portfolios:
| Tool | From | Best for |
|---|---|---|
| Landlord Vision | £15–30/mo | Bookkeeping, MTD compliance and HMO management |
| Arthur Online | From £70/mo | Larger portfolios (10+ units) needing full property management |
| OpenRent | Pay-per-listing | Finding tenants — the UK's largest tenant-find listing platform |
We're not affiliated with Landlord Vision, Arthur Online or OpenRent — they're included here for comparison only. Our recommended mortgage partner is Mojo, below.
FAQs
Do I need property management software as a landlord?▼
For one or two properties, a spreadsheet and PayToolkit's free expense tracker are usually enough. Dedicated software starts paying for itself once you're managing several properties or want automated rent chasing and compliance reminders.
What is Section 24 and how does it affect landlords?▼
Section 24 restricts mortgage interest relief for individual landlords to a basic-rate tax credit rather than a full deduction, which can significantly increase the tax bill for higher-rate taxpayers with mortgaged rental property.
Do I pay extra stamp duty on a buy-to-let property?▼
Yes, additional residential properties (including most buy-to-lets) attract a stamp duty surcharge on top of standard rates. Use our Stamp Duty Calculator to check the exact cost.
Related guides
Read more in our Property Tax guides, including Section 24 explained and our Stamp Duty guide.
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