Coconut

Name: Coconut
Price: 16.99 GBP

Purpose-built bookkeeping and Making Tax Digital for UK sole traders.

Solo / FreelancerEurope

Last reviewed Jul 15, 2026 · Pricing verified Jul 15, 2026

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Our take

Best for UK sole traders who want a lightweight, mobile-first alternative to FreeAgent focused purely on Self Assessment and MTD — not built for limited companies.

Choose this if...

UK sole traders wanting simple, mobile bookkeeping and MTD/Self Assessment support

Look elsewhere if...

You're outside the UK
You operate as a limited company, not a sole trader

Visit Coconut

This is a direct link to Coconut— we don't currently earn anything from it.

Pricing

Verified Jul 15, 2026 against Coconut's own pricing page.

Plan	Monthly	Annual	Key limits
MTD Bridging	16.99 GBP/mo	49.99 GBP/yr	Keep your own spreadsheets, submit MTD quarterly updates
Bookkeeping	16.99 GBP/mo	99.99 GBP/yr	Automatic bookkeeping, tax estimates, invoicing
MTD Filing	21.99 GBP/mo	129.99 GBP/yr	Adds quarterly MTD updates and year-end declarations
Full	—	159.99 GBP/yr	Adds full Self Assessment submission to HMRC

Free tier reality

There's no permanent free plan. No permanent free tier — 14-day free trial, no card details required. This is the consumer/sole-trader pricing; Coconut also sells a separate per-client plan to accountants (~£5.50/client/mo) that isn't reflected here.

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Pros

Purpose-built specifically for sole trader Self Assessment and MTD
Mobile-first, simple experience
Free trial available before committing

Cons

Sole traders only — not for limited companies
UK-only
Mobile-only — no full desktop/web experience

Key features

Income and expense tracking built for sole traders
Making Tax Digital submission
Automatic expense categorization
Self Assessment tax estimates
Bank connection

Integrations

VERIFY

Platforms

ios
android

Regional fit

UK sole traders only; also sold to accountants as a client-management tool at a separate per-client price — VERIFY which pricing page applies to an individual sole-trader user vs. an accountant.

Europe

Best for

Freelancers Consulting Solo / Freelancer

Try free first

Not ready for Coconut? Start with our free tools — come back when you outgrow them.

Alternatives

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Coconut FAQ

Questions about this tool

Is Coconut free?

No — Coconut doesn't have a permanent free plan. No permanent free tier — 14-day free trial, no card details required. This is the consumer/sole-trader pricing; Coconut also sells a separate per-client plan to accountants (~£5.50/client/mo) that isn't reflected here.

How much does Coconut cost?

From 16.99 GBP/mo. We verify pricing directly against Coconut's own pricing page — see the pricing table above for the full breakdown of plans, and check the verified date before making a decision, since software pricing changes often.

Who is Coconut best for?

UK sole traders wanting simple, mobile bookkeeping and MTD/Self Assessment support

Who should avoid Coconut?

You're outside the UK You operate as a limited company, not a sole trader

Does Coconut work well outside the US?

UK sole traders only; also sold to accountants as a client-management tool at a separate per-client price — VERIFY which pricing page applies to an individual sole-trader user vs. an accountant.

What are the best alternatives to Coconut?

Worth comparing: QuickBooks Online, Xero, FreshBooks, Wave. See the Alternatives section above for why you might pick one of these instead.

Pricing

Plan	Monthly	Annual	Key limits
MTD Bridging	16.99 GBP/mo	49.99 GBP/yr	Keep your own spreadsheets, submit MTD quarterly updates
Bookkeeping	16.99 GBP/mo	99.99 GBP/yr	Automatic bookkeeping, tax estimates, invoicing
MTD Filing	21.99 GBP/mo	129.99 GBP/yr	Adds quarterly MTD updates and year-end declarations
Full	—	159.99 GBP/yr	Adds full Self Assessment submission to HMRC