MTD ITSA starts April 2026. £50,000+ income landlords first.
Upload your bank CSV. We categorise every transaction into the five HMRC SA105 boxes, match your receipts, and hand you a clean year-end summary. No property management bloat. No accountant required.
No credit card · First tax year free
Property: 12 Oak Street, Bristol
| SA105 Box | Amount |
|---|---|
| Box 5 — Total rents received | £24,400 |
| Box 6 — Repairs & maintenance | £3,140 |
| Box 7 — Loan interest | £8,920 |
| Box 8 — Legal & management | £960 |
| Box 9 — Other allowable | £480 |
| Net profit | £10,900 |
Most UK landlords run their books in a spreadsheet. It works fine — until April. Then you spend a weekend hunting transactions, arguing with yourself about whether a boiler callout counts as a repair or a capital improvement, and praying the SA105 boxes still mean what you think they mean. It works until it doesn't.
Landlord Studio, Hammock, and similar tools are real products built by smart people. But they're built for property management — tenant portals, maintenance ticketing, rent reminders, lease tracking. If you have 1–5 properties and a letting agent, you don't need any of that. You need your bookkeeping clean and your tax numbers right.
LetLedger is a focused tool for the bookkeeping bit only. It does that one thing well. It costs less because it does less. Your bank statements go in; SA105-ready totals come out. That's it.
Start to SA105 in one sitting.
Export from your bank's website. Drag and drop. We handle Barclays, HSBC, Lloyds, NatWest, Santander, Monzo, and any generic CSV.
Drop your CSV here
barclays-export-2025.csv
Every transaction is auto-categorised into one of the five SA105 boxes, with a confidence score. Skim, correct anything wrong, move on.
| Description | Category |
|---|---|
| Wickes Building Supplies | Repairs |
| Halifax Mortgage | |
| Rent — J. Patel | Rent income |
Download the clean PDF. Copy the five box totals into your tax return. Or send it to your accountant and watch their bill drop.
SA105 — Property income
No credit card · First tax year free
No talking head. No music. Just the product, with a real anonymised bank export.
Demo video coming soon
Built by a UK landlord who got tired of doing this in Excel every April. Talk to me directly: marcin@letledger.uk
No tiers. No upsell. No surprises.
Beta plan
or £48/year — save £24
Free for the entire 2026/27 tax year if you sign up before April 2027
No credit card required
For comparison: Landlord Studio is £12/month, Hammock is £21/month, Landlord Vision is £15/month. They do more. We do this one thing better.
Not directly — we don't submit to HMRC. We give you the categorised totals; you (or your accountant, or a bridging tool like 123 Sheets) submit them. We're working toward HMRC recognition for direct submission in 2027. Until then, this is the bit you'd be doing manually anyway, automated.
Yes. The PDF is structured exactly as the SA105 form. Most accountants prefer it to a messy spreadsheet. We've heard back from several who now ask their landlord clients to use it.
Joint ownership: yes, you can split a property's totals by ownership %. Furnished holiday lets: supported, with the separate FHL category. Non-UK property (SA106): not yet — coming Q3 2026.
On real landlord data we've tested, ~92% of transactions are categorised correctly on first pass. The review step is designed to make correcting the other 8% take seconds.
EU-hosted (Frankfurt), encrypted at rest, ICO registered. We don't sell, share, or train models on your data. You can delete everything in one click.
You keep access until your billing period ends. You can export everything as CSV or PDF before or after. We don't hold your data hostage.
Honest answer: don't trust it blindly. Use it for the 2026/27 tax year alongside your spreadsheet for one quarter. If the numbers match, switch. If they don't, tell us and we'll fix it. That's why the first year is free.
No. We're an independent UK-registered software business. We're not affiliated with HMRC and we don't give tax advice.
No credit card · First tax year free