When you have both a business and rental property
If you're both self-employed and a landlord, HMRC combines your self-employment income and property income to determine your total qualifying income for MTD — and, once in scope, you'll generally have separate quarterly update streams for each source (self-employment and property), even though the qualifying-income test looks at them together.
Combined for the threshold, separate for reporting
This is a subtle but important distinction. Your self-employment and property income get added together only to decide whether MTD applies to you at all (see our qualifying income guide). Once you're in scope, the actual quarterly updates are generally still organised as separate income streams — one for your self-employment records, one for your property records — not blended into a single undifferentiated stream.
Why Quarter Day is being designed around exactly this case
A lot of MTD tools are built primarily for one type of income and treat the other as an afterthought. Quarter Day's planned subscription is explicitly meant to support one person's self-employment and property income together, without a second charge for the second income type — see our pricing page for how that's planned to work.
A self-employed electrician who also lets out one flat would record their trade income/expenses and their rental income/expenses as two distinct sets of digital records, both flowing into the same overall MTD obligation.
Frequently asked
Do I pay for MTD software twice — once per income type?
Not necessarily — that depends entirely on the software provider. Quarter Day's planned pricing is explicitly one flat subscription covering both, not a per-income-type charge.
Does having both push me into MTD sooner than either income alone would?
Potentially, yes — because the qualifying-income test combines both sources, having two income streams close to (but individually under) the threshold could still put your combined total over it.
Can I use different software for each income type?
Technically possible in some cases, but it adds complexity — most people are better served by one product that handles both, which is exactly the gap Quarter Day is being designed to fill.
Read HMRC's official guidance ↗
Self-employment and property income together, still one subscription.
Built for exactly this combined case.
Join the waiting list to hear when Quarter Day is ready for both sides of your income.
No payment. No tax details. Just a heads-up.
Joining the waiting list does not create a software account or commit you to a subscription. Earlier email opt-outs remain in place.
While you're here, explore how it will work or read our Making Tax Digital guide.