Making Tax Digital is live — next deadline 7 November

Tax, in order.

Landlords and the self-employed now file with HMRC every quarter — through software, by law. Kvarta makes it a non-event: upload a bank statement, we sort every line, you approve, done.

£6/month at launch · early birds get their first year half price · a handful of emails, ever
You're in. We'll be in touch before your next deadline is. 👋
Filed — HMRC accepted it Q2 update · receipt stored · 12:04
Rent matched £1,150 · Flat 2, Ashton Road · marked automatically
Tuesday 12 August
Good evening, Emma
SET ASIDE SO FAR
£1,847
from HMRC's own calculation
Quarter 2 · 6 Apr – 5 Octdue 7 Nov
NEEDS YOUR EYES2
B&Q — £184.20repair or improvement?
Sort
Transfer in — £1,150rent for Flat 2?
Sort
Rent · Flat 2matched+£1,150
HalifaxS24−£636
Why now

The biggest change to UK tax in a generation is already here.

HMRC provides no free software for it. If you earn from property or self-employment, quarterly digital filing becomes your problem — unless something quietly handles it for you.

860,000people already mandated — everyone with £50k+ gross income, filing every quarter since April
Apr 2027the £30k+ wave joins — roughly a million more landlords and sole traders
5 filingsa year, per person: four quarterly updates plus the final declaration. Kvarta handles all of them
NEXT FILING DEADLINE · 7 NOVEMBER 2026
—DAYS—:—:—
Your situation

When do you join?

Drag to your combined gross income — rent plus any self-employment turnover, before expenses. That's the figure HMRC tests.

Your gross income
£42,000
£0£30k£60k£90k£120k+
QUARTERLY FILING STARTS
April 2027the £30k+ wave — that's sooner than it sounds
FILINGS A YEAR
5four quarterly updates + the final declaration
WITH KVARTA
£36 first yearthen £72/yr — typical alternatives run £180+ per person
The product

A bank statement in.
A tax filing out.

Every line, already sorted

Upload a statement once a month. Rent gets matched to tenancies, mortgage interest is handled the Section 24 way, deposits are kept out of your income, and anything genuinely ambiguous is set aside for a ten-second decision. You stay in control — nothing is ever sent until you approve it.

Standing order — J. CarterRent · matched+£1,150
Halifax mortgageInterest → S24−£636
TDS deposit receivedNot income+£1,380
B&Q WarehouseRepairs−£184

Built for couples

Own property jointly? HMRC wants a separate filing from each of you — most software makes you pay twice. Kvarta splits every number by your ownership share and files both submissions in one tap. One subscription covers you both.

Flat 2, Ashton Roadrent £1,150 · owned 50/50
You
50%
✓ Filed
Your other half
50%
✓ Filed

Never a January surprise

After every quarter, Kvarta asks HMRC to calculate your position and shows you a live "set aside this much" figure — including payments on account, the part that ambushes everyone. The maths is HMRC's own, never our estimate.

SET ASIDE FOR JANUARY
£1,847
of an estimated £2,980 for the year
6 Aprtoday31 Jan
Includes payment on account£890
Proof, every time

A receipt for every filing, stored forever. If HMRC ever asks, you have the exact submission and their acceptance.

Compliance calendar

Gas certificates, EICR, EPC, deposit protection — tracked per property, with nudges before anything lapses.

Side income too

Self-employed as well? Sole-trader income files right alongside your property — one app, every quarter, year end included.

Your accountant will approve

Read-only accountant access and full export of everything. Your data stays yours, always.

Plain-English errors

When HMRC's systems hiccup — and they do — Kvarta translates the jargon and tells you exactly what to do next.

Nothing without you

Every submission needs your explicit approval. Review the exact figures, in HMRC's own categories, before anything is sent.

Inside the app

Have a proper look around.

Home

Your whole tax life, one screen

Open the app, know where you stand — in about five seconds.

  • The next deadline, with live progress toward a ready-to-file quarter
  • Rent radar — spots late rent and nudges the tenant before you have to
  • Compliance nudges — gas, EICR, EPC, before anything lapses
Tuesday 21 October
Good morning, Emma
NEXT DEADLINE
7 Nov · Q2 update
17 days away · nearly there
34 of 41 transactions sorted78%
Set aside for tax so far£2,410
about £310/month
keeps you covered
RENT RADAR
12 Alder RoadPaid 1 Oct, on time
£1,250
7 Kestrel Close8 days late · reminder sent Mon
£995
!
Gas certificate expires 12 Nov12 Alder Road · book an engineer
›
NEEDS YOUR EYES2
£480 in — rent or something else?HSBC · ref “SMITH OCT”
Sort
Money
October · all sorted except 2
⇧ Upload statement
Rent · 12 Alder RoadRental income
+£1,250.001 Oct
Rent · 7 Kestrel CloseRental income
+£995.0028 Sep
J. Harris — depositDeposit — not income, held as liability
+£995.0026 Sep
Deposits aren’t taxed. This sits apart from your income until it’s returned.
Halifax mortgageMortgage payment
−£640.0025 Sep
£212 of this is interest → Section 24 credit, handled.
B&QNeeds sorting — repair or improvement?
−£86.0024 Sep
Belvoir LettingsAgent fees · allowable
−£125.0022 Sep
Money

A statement in, a quarter out

Drop in a bank statement once a month. You check two lines, not two hundred.

  • Rent matched to tenancies automatically, marked on time or late
  • Section 24 handled — the interest slice of your mortgage, split correctly
  • Deposits held apart — a liability, never taxed as income
Properties

Every property, minded

Money, tenancy, documents and deadlines — per property, at a glance.

  • Compliance traffic lights — gas, electrics, EPC, deposit protection
  • Void periods handled right — what stays deductible while it's empty
  • Selling? 60-day CGT reminder — the deadline HMRC never reminds you of
Properties
Money, tenancy, documents and deadlines — per property.
12 Alder RoadLet · £1,250/mo · 50/50 with David · yield 6.4%
7 Kestrel CloseLet · £995/mo · solely owned · yield 7.1%
JUNE VOID · 7 KESTREL CLOSEEmpty 4–28 Jun while you found a tenant. Council tax flipped to you (£112) — still deductible because it stayed marketed for letting.
THINKING OF SELLING?Capital gains on a rental must be reported within 60 days of completion. Nothing at HMRC reminds you; we will. Alder Road’s £4,200 improvements log is parked to cut that bill.
Quarters
Tax year 2026–27
Q1 · filedSent 4 Aug · both of you
HMRC receiptQK1-88C2-4471
Q2
Q2 · in progress6 Jul – 5 Oct · due 7 Nov
Rental income£6,735
Repairs & maintenance£412
Agent fees£375
Insurance£164
Mortgage interest · Section 24 credit£1,272
Review & submit
Nothing is sent until you approve it.
Quarters

Four quarters, zero drama

What's filed, what's due, what's next — and the final declaration that actually counts.

  • HMRC's own categories, cumulative totals building as you go
  • One clear summary to review — exactly what HMRC will receive
  • Nothing is sent until you press approve. Ever.
Proof

The moment that matters

Every filing ends the same way: accepted, receipted, stored forever.

  • Both copies accepted — yours and your other half's, one tap
  • A receipt for every filing — no more “did it go through?”
  • Set-aside updated from HMRC's own calculation, never our guess
Filed — HMRC accepted it
Quarter 2 update · 12:04 · both of you
UK property submissionAccepted ✓
Self-employment submissionAccepted ✓
HMRC calculationc75dbb53-6237…
Download PDF receipts
Stored forever in your documents. No more “did it go through?”
How it works

Three habits. Ten minutes a quarter.

01
Connect HMRC, once

Sign in with your Government Gateway and authorise Kvarta. That's the only setup — we find your businesses from HMRC's records.

02
Drop in a statement

Once a month, upload a bank statement. Kvarta sorts every line into HMRC's categories and queues the few it wants your eyes on.

03
Approve the quarter

When a deadline nears, review one clear summary and tap approve. Kvarta files it, gets your receipt, and shows what to set aside.

HMRC does the maths. Kvarta does the paperwork. You press one button.
Pricing

One price. That's it.

£6/month
Early-access members: first year half price.
  • Unlimited properties — no per-property fees, ever
  • Both spouses included — two filers, one subscription
  • All four quarterly filings + the year-end final declaration
  • Property and self-employment income, both included
  • Free setup call with a real person
Typical alternatives: £8–25/month, plus per-property charges, plus a second subscription for your other half.
Get early access
Questions

Fair questions, straight answers.

Do I actually have to do this?
If your gross income from property and self-employment combined is over £50,000, quarterly digital filing through software is already mandatory. Over £30,000, you join in April 2027; over £20,000, April 2028. It's the gross figure — rent before expenses — which catches more people than you'd think, and HMRC provides no free software for it.
Am I liable if a filing is wrong?
Kvarta never invents numbers. Your figures are sorted into HMRC's own categories, shown to you for approval, and the tax calculation itself is done by HMRC, not by us. Every quarterly update is a running estimate you can correct later — the final declaration at year end is the one that counts, and you review everything before it goes.
Is Kvarta recognised by HMRC?
Kvarta is built directly on HMRC's Making Tax Digital APIs and files real submissions in HMRC's own developer environment today. We're going through HMRC's software recognition process for production ahead of launch — early-access members will be the first through the door, and we'll never charge you before live filing works for you.
What about my accountant?
Keep them — Kvarta makes their life easier too. Give them read-only access or export everything in one click. Many of our early users plan to self-file the quarters and have their accountant sanity-check the year-end declaration only, which typically cuts the bill substantially.
Which incomes does Kvarta handle?
UK property income (including jointly-owned, with automatic splitting) and sole-trader self-employment income — both live from day one, in the same subscription. PAYE employment is already handled by your employer. Dividends, interest and capital gains are collected once, at year end, as part of the final declaration.
Is my data safe?
Bank statements are processed to extract transactions, and your HMRC connection uses HMRC's own OAuth system — we never see or store your Government Gateway password. Data lives encrypted in the UK/EU, is never sold, and you can export or delete everything at any time.

Be first in the door.

Early access opens in small groups, deadline-first. Half-price first year, free setup call, and a say in what we build next.

No spam — a handful of emails, ever.
You're in. We'll be in touch before your next deadline is. 👋