Otto is built for UK landlords with personally-held property. Categorise your rental income. See your tax position. File when ready — designed for SA105 to the penny.
HMRC’s Making Tax Digital for Income Tax replaces the annual return with quarterly digital submissions. If you let property, you’re in scope.
Otto categorises every transaction, applies the SA105 rules, and shows what you owe — with a citation for every line.
Link the account your rent lands in. Otto reads transactions, never moves money. Read-only by design.
Rules first, AI for what rules don’t cover. You see every decision. Edit any of them. Otto learns your patterns.
See your SA105 profit, your tax position, every figure cited to the HMRC paragraph. File on your schedule.
We’re onboarding the £50k+ cohort first. Tell us where you sit and we’ll prioritise you accordingly.
The new quarterly cycle, who’s in scope, the Final Declaration, and what records you actually have to keep.
Read guide →Tax rulesWhy mortgage interest isn’t a deduction any more, what it actually is now, and a worked example of what it costs.
Read guide →Tax rulesWhat you can deduct from rental income, what you can’t, and the capital-vs-revenue line that trips up most landlords.
Read guide →