Self Assessment season punishes landlords twice: once for the shoebox of receipts, and again for finance costs — because residential mortgage interest is NOT simply deducted from your rent anymore. This tracker keeps the whole tax year in SA105 shape as you go: every entry carries its property and its SA105-style category, finance costs are kept separate exactly as the property pages treat them, and the summary builds your tax-year view (6 April – 5 April) per property and in total. The sample portfolio: £5,610 of rent and other income, £1,382 of allowable expenses, £675 of finance costs kept separate, and a tax-year profit of £3,553 — with the finance-cost tax reduction shown as a £135.00 memo at the example rate, not buried in the profit.
What it does for you:
– SA105 categories from day one: rent, other income, repairs, legal & professional, agent fees, insurance, council tax & utilities, finance costs, other — an editable example mapping for the 2026/27 tax year that you adjust to the current SA105 notes, not a shoebox you sort in January.
– Finance costs handled the way the rules handle them: logged separately, never mixed into allowable expenses, with the basic-rate tax reduction worked out as a clearly-labelled MEMO at YOUR example rate (20% pre-filled — verify and replace) instead of a deduction the return doesn’t allow.
– Per-property profit, honestly: the sample’s three properties profit £1,239, £986 and £1,328 — the middle one quietly below the £1,000 target you set, which is the conversation to have before renewal, not after.
– A tax-year summary in SA105 order: total income, allowable expenses, finance costs, profit — ready to sit beside the return or hand to your accountant, April to April, not January to December.
– The business around the properties: categorized expense log, zero-based monthly budget, and a dashboard with income, profit and the finance-cost memo on one screen.
What’s inside (.xlsx, works in Excel AND Google Sheets):
– Start Here — plain-English setup + your settings (finance-cost reduction rate as a verify-and-replace EXAMPLE, your target profit per property)
– Rental Log — 24 entry rows: date, property, income/expense, SA105-style category, note, amount
– SA105 Summary — per-property income, expenses by category, finance costs and PROFIT + tax-year totals in SA105 order with the finance-cost reduction memo
– Expense Log — other business spending, categorized
– Monthly Budget — zero-based, Budget vs Actual fills itself
– Dashboard — tax-year income, profit and finance costs on one screen
– Monthly Summary — spending by month, Jan–Dec
Instant download. Yellow cells are yours to type in; every formula cell is locked (password sheetdaily, shown in Start Here) so nothing breaks by accident. Sample entries are pre-filled so you can see the math working — replace them with your own. The SA105 category mapping and the finance-cost rate are example settings for the 2026/27 tax year, not tax law or advice: check the current SA105 notes or ask your accountant, and update the categories and rate to yours.
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