Coconut's HMRC-recognised MTD software is built to help simplify Making Tax Digital for self-employed people.
Keep digital records, track income and expenses, see your tax estimate as you go and send MTD for Income Tax updates to HMRC - all without complicated accounting software.
And here's the good news: you can try Coconut for free, or get 2 years of access free with Zempler Bank.
Coconut is built to take the stress out of Making Tax Digital, especially if you're self-employed and don't want to spend hours wrestling with accounting software.
And if you're new to Zempler, there's a way to get that support free for 2 years.
When you sign up to Coconut and open a new Zempler bank account through the app, you may be able to get 24 months of Coconut free - worth up to £238. That means you can keep digital records, track income and expenses, and get ready for MTD for Income Tax without paying for Coconut during the offer period.
Here's how it works:
Create your Coconut account and follow the steps in the app.
The offer is for new Zempler users, so you'll need to open your Zempler account through Coconut.
Once your account is connected, your account will automatically be activated and ready for you to use Coconut free for 2 years, subject to eligibility and terms.
With Coconut and Zempler connected, your business banking and tax records can work together more neatly. Coconut securely imports your transactions, helps you categorise your income and expenses, and keeps your records organised for Making Tax Digital.
So instead of piecing things together when a deadline comes around, you can stay on top of things as you go.
Already a Coconut user and want a Zempler bank account? Click here.
Not planning to open a Zempler bank account? No problem.
You can still try Coconut free for 14 days and see how it works for your business before choosing a plan.
During your free trial, you can explore how Coconut helps you track income, sort expenses, keep digital records and prepare for Making Tax Digital. It's a simple way to see whether Coconut feels right for you, without committing straight away.
This is a good option if you already have a business bank account, prefer not to switch, or simply want to try Coconut before deciding what you need.
Connect your bank account securely, so transactions can be pulled into Coconut automatically.
See what’s coming in, what’s going out, and how your self-employment income or property income is shaping up.
Snap and store receipts, then attach them to transactions so everything is easier to find later.
Get a clearer view of what you may owe in income tax and National Insurance as you go.
Prepare for the Making Tax Digital process and send quarterly updates to HMRC when required.
Get support with your final MTD tax return at the end of the tax year.
Manage self-employment income, UK property income and other income streams without needing separate systems.
Add back CIS deductions to your transactions so your income totals, tax estimates and contractor tax withholdings stay accurate for tax time.
The aim is simple: Coconut gives you the tools to stay organised, create digital records and keep on top of your tax without making things feel more complicated than they need to be.
So, whether you're a sole trader, landlord, CIS subcontractor or freelancer, you can spend less time sorting admin - and more time getting on with your work.
Coconut is HMRC-recognised software for Making Tax Digital for Income Tax.
That means Coconut is listed by HMRC as compatible software that can be used to keep digital records and send MTD updates securely. In practice, it means you don't need to rely on separate bridging software or copy figures into different forms just to stay compliant.
With Coconut, you can keep your records up to date as you go, then send your quarterly updates and year-end MTD tax return directly to HMRC through the app.
So, if you're looking for free MTD software, it's not just about finding something that costs nothing. It's about choosing software that's properly set up for Making Tax Digital, built around the way you work, and recognised by HMRC.
Getting set up with Coconut is designed to be straightforward.
You don't need to understand accounting software or rebuild your records from scratch. Just create your account, connect your bank and let Coconut help you keep things tidy from there.
Create your Coconut account and choose the free route that works for you - whether you're choosing the Zempler offer or the 14-day free trial.
Link your account securely through Open Banking, so Coconut can pull in your transactions automatically.
Coconut helps you categorise what's coming in and going out, so your digital records stay easier to manage throughout the tax year.
Once you're authorised with HMRC, you can use Coconut to send your MTD for Income Tax quarterly updates and year-end tax return directly through the app.
That means less manual data entry, fewer messy spreadsheets, and a simpler way to stay on top of Making Tax Digital. Sign up now for a free 14-day trial and see for yourself!
Try Coconut free for 14 days. No card details required. Cancel anytime.
Start with bookkeeping, then choose the plan that gives you the level of MTD and tax support you need. Every plan is built for sole traders, landlords and self-employed people who want to track income, claim expenses and stay on top of tax without complicated accounting software.
Or £16.99 per month
Best for sole traders and landlords who want to stay organised before MTD applies
Or £21.99 per month
Best for sole traders and landlords who need HMRC-recognised MTD software for Income Tax
New Zempler users may be able to get Coconut free for 2 years when they sign up to Coconut, apply for a Zempler bank account through the app, and connect that account to Coconut.
The offer is worth up to £238 and gives you access to Coconut during the offer period, so you can track income, record expenses, keep digital records and get ready for Making Tax Digital.
The Zempler offer is for new Zempler customers who apply for a Zempler bank account through Coconut.
To qualify, you'll need to follow the offer steps in Coconut, connect your new Zempler account, and meet the offer terms.
You won't be charged without knowing what plan you're moving onto.
If you claim the Zempler offer, Coconut is free during the offer period, subject to the offer terms. If you start with the 14-day free trial, you can try Coconut before deciding whether to continue with a paid plan.
Yes. Coconut is HMRC-recognised software for Making Tax Digital for Income Tax.
That means you can use Coconut to keep digital records and send your MTD updates to HMRC securely when the rules apply to you.
Coconut can help you prepare for MTD for Income Tax, keep digital records and manage your tax information in one place.
Whether you access Coconut through our Zempler offer, the 14-day free trial or another plan, you'll have access to all of our bookkeeping, MTD and Self Assessment features.
The free options give you a way to try Coconut, or access Coconut for longer through the Zempler offer if you're eligible.
On the 14-day free trial, you won't be able to submit MTD updates or file a Self Assessment, but all of these features will be fully accessible through the Zempler offer.
Not always. Coconut is built to help sole traders, landlords and CIS subcontractors keep records organised, track income and expenses, and stay ready for Making Tax Digital.
An accountant can still be useful if your tax affairs are more complicated, or if you want personalised advice. Coconut can make that easier too, because your records are already kept in one place. Read more about how you can work with Coconut and your accountant for smarter bookkeeping.
Making Tax Digital doesn't need to mean more admin.
With Coconut, you can keep digital records, track income and expenses, see what you may owe, and get ready to send your MTD updates to HMRC - all in one place.
Simple tax software. Built for the self-employed. Flexible and free software options.
