What it does
- Fills in the SA105 boxes for you: rents, each expense box, replacing domestic items, profit, losses and residential finance costs (boxes 20 to 45).
- Works out the 20% tax reduction for mortgage interest the way HMRC does: the lowest of your finance costs, property profits and income above the personal allowance, with any unused amount carried forward.
- Handles joint ownership: enter the full figures and your share.
- Works out income tax at 2025/26 rates (UK or Scottish), including pay from a job or pension (from your P60).
- Works out payments on account for 2026/27 and takes off the ones you have already paid.
- Lets you compare the £1,000 property allowance with claiming actual costs.
Made for
UK landlords with residential or holiday lets filing the 2025/26 return, including those with a job or pension.
Not the right fit for
Overseas property, Rent a Room lodgers in your own home, limited company landlords, or capital gains on a sale.
What’s inside
- Summary: rent, profit, mortgage interest relief and what to pay, at a glance.
- Your Details, Rental Income and Expenses (13 plain-English landlord categories).
- SA105 Boxes: copy each figure into the online return.
- Tax Calculation: every step shown, nothing hidden.
- Checklist: 14 checks, key dates and late penalties.
- Rates 2025-26: every rate and rule used, with its GOV.UK source.
Do I need Microsoft Excel?
No. It works in free Google Sheets too (File, Import, Upload).
Is it a subscription?
No. Pay once and the file is yours to keep.
Is this tax advice?
No. It is a planning and record-keeping tool. Rules were checked against GOV.UK on 25 October 2026, and HMRC's own calculation is the official figure.
When do I get it?
Immediately, as soon as payment clears.
The SmartSaver promise
Instant download, yours to keep — no subscription. If a file is faulty or not as described, email team@getsmartsaver.co.uk within 30 days for a replacement or a refund. Lost your download link? We re-send it free.
A planning tool, not tax advice and not HMRC filing software.
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