Trusted property finance management

Tough on property finances

Income and expenses tracking, Making Tax Digital, and P&L reports - with all the hard bits handled.

Never miss a rent payment

Bank level security

Save hours on admin

Making Tax Digital -> made simple

Whether filing quarterly updates or your annual self-assessment, manage everything compliantly from one place.

Digitise my records

Compliant with MTD including transaction categorisation.

File my quarterly updates

Sent to HMRC from your account based on digital records.

File my annual tax return

Submitted securely to HMRC via our specialist tax provider.

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Need to know

What is Making Tax Digital (MTD) for landlords?

From 6 April 2026, most landlords earning over £50,000 a year from property and/or self-employment must follow new HMRC rules for how they keep financial records and send tax information.

This threshold will decrease quickly over the coming years, and the number of landlords required to comply with MTD will therefore increase year on year.

MTD means...

Keeping digital records

All income and expenses must be recorded digitally using HMRC-approved software.

Sending quarterly updates to HMRC

Four updates per year submitted directly to HMRC from your digital records.

Submitting annual tax returns

Final declarations submitted through HMRC-approved MTD-compatible software.

MTD Software

What software do you need?

MTD software comes in a few forms — usually it creates and maintains digital records, but it can also be "bridging software" that connects to existing spreadsheets. Landlords typically fall into one of two categories:

All-in-one MTD software

A full MTD-enabled tool, like Portfolio, covering both digital record keeping and direct submission to HMRC.

Multiple products together

A combination of tools — e.g. Excel spreadsheets for record keeping, plus a dedicated MTD submission tool.

Choose your finance solution

Unlock the full power of automated finance management with PortfolioPlus or start with Portfolio's manual finance features.

Base

Portfolio

£12/mo

Perfect for getting started, organise your income and expenses inline with MTD requirements. Included for free with NRLA membership.

Join now

Premium

PortfolioPlus

£17/mo

Automate your organisation with bank integrations, autocategorisation and advanced analytics. 30-day free trial, then £17/month for unlimited properties.

Join Now and Start Free Trial

Premium

PortfolioPro

£23/mo

Complete end-to-end MTD solution, including quarterly updates and annual submissions.

Join Now and Start Free Trial

Requirement	Portfolio	PortfolioPlus	PortfolioPro
Property & tenancy management	✓	✓	✓
Track income & expenses	✓	✓Enhanced with automation	✓Enhanced + tax tools
MTD-compliant digital record keeping	✓	✓	✓
Bank feeds (Open Banking)	—	✓	✓
Automatic bank transaction categorisation	—	✓	✓
Quarterly updates to HMRC (MTD submission)	—	—	✓
Annual tax return submission (MTD submission)	—	—	✓
Tax summaries	—	—	✓
Ownership allocation for joint properties	—	—	✓
Multi-user support	—	—	✓

Frequently asked questions

Everything you need to know about our PortfolioPlus features

How secure is the Open Banking integration?

We work with MoneyHub, a regulated Open Banking provider. Open Banking is designed to be a very secure process, utilizing bank-level encryption and regulation by the Financial Conduct Authority (FCA) in the UK. You control which regulated third-party providers can access your data, and you can revoke permission at any time. Your bank login details are never shared, and you are protected by data protection laws.

Can I switch from Portfolio to PortfolioPlus later?

Yes, you can switch from Portfolio to PortfolioPlus at any time and keep all the data you have entered. All PortfolioPlus features can be used with data added via the Portfolio offering.

Which banks are supported for Open Banking?

For the most up to date list please visit https://www.moneyhub.com/status

How does Rent Tracking Work?

Rent tracking works by firstly setting up a bank rule automation to auto categorise incoming rent payments for your tenancy. Once that is set up you can set up which alerts you would like sent, if rent matching the rule you set up has not been received. Rent alerts can be sent to you and/or your tenant(s).

Is the tax reporting HMRC compliant?

NRLA Portfolio does not currently offer an MTD solution but we plan to add this shortly. The Tax Summary offered through PortfolioPlus is intended to be used an indication and can be sent to your accountant to assist with a tax submission.

What happens to my data if I cancel my NRLA membership?

Your data will be retained for 12 months and you can reactivate at any time to pick up where you left off. 12 months after your membership ends we will delete your data.