Trusted property finance management

Stop worrying about Making Tax Digital. Let Portfolio handle it.

Quarterly submissions, annual returns, compliant record keeping - all taken care of. Included with NRLA membership, with paid upgrades for full MTD automation.

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.

Join NRLA and get Portfolio included Already a member? Log in to use Portfolio

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...

Keep digital records automatically

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

Send quarterly updates to HMRC

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

Submit your annual tax return

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 plan - Portfolio is included with NRLA membership

Portfolio is included with your NRLA membership. Upgrade to PortfolioPlus or PortfolioPro for more automation.

Base

Portfolio

Included with NRLA membership

Keep MTD-compliant digital records and manage your property finances - included with NRLA membership.

Best for: landlords getting MTD-ready for the first time

Join NRLA

Premium

PortfolioPlus

£5/month for NRLA members

Automates your income and expense tracking with bank feeds and smart categorisation. 30-day free trial, then £5/month for NRLA members.

Best for: landlords who want automated MTD record keeping

Upgrade to Plus

Premium

PortfolioPro

£11/month for NRLA members

Handles quarterly HMRC submissions and your annual return automatically. Built for landlords who need full MTD compliance handled end to end.

Best for: landlords who want quarterly and annual MTD submissions done for them

Upgrade to Pro

Requirement	Portfolio	PortfolioPlus	PortfolioPro
Manage tenancies and property details	✓	✓	✓
Track rent payments without spreadsheets	✓	✓Enhanced with automation	✓Enhanced + tax tools
Keep MTD-compliant digital records	✓	✓	✓
Connect your bank automatically (Open Banking)	—	✓	✓
Let transactions categorise themselves	—	✓	✓
Submit quarterly updates to HMRC automatically	—	—	✓
File your annual tax return automatically	—	—	✓
Get a tax-ready summary of your finances	—	—	✓
Split ownership for joint properties	—	—	✓
Add team members to your account	—	—	✓

Frequently asked questions

Everything you need to know about Portfolio, PortfolioPlus and MTD

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).

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.