No, Coconut is designed for everyone. No accounting experience is needed.
Coconut helps landlords and sole traders stay on top of income, expenses, and tax in one place, without spreadsheets or accounting jargon.
Everything you need to stay ready for Making Tax Digital.
Get Coconut free for 3 months, saving you £38.97.


We’ve partnered with MoneySavingExpert (MSE) to give readers access to Coconut, Making Tax Digital software designed for landlords, sole traders, and freelancers.
This offer is available to all readers - free access is given for the first three months of your Coconut subscription.
Here's how it works:
Get started with Coconut – your Making Tax Digital ready software for landlords and sole traders.
You will receive an email shortly after sign-up with your discount code, apply this code at checkout when choosing a monthly plan.
After the promotional period ends you will be charged £12.99 per month and can cancel anytime.
HMRC is changing how millions of people report their income - here’s what’s changing and what it means for you.

Instead of doing one paper return at the end of the year, you’ll use software to send updates every few months. It’s all about making tax simpler and more accurate.

If you're a sole trader, landlord or CIS subcontractor earning over £50,000, Making Tax Digital for Income Tax will apply to you from April 2026. If you earn less than that, it will apply to you in the following years - meaning it’s a good idea to get ready early so the switch is smooth when your time comes.

You’ll need to submit via compatible software.
You’ll also keep digital records of your income and expenses, and submit updates every quarter, not just once a year.
With Coconut, you’re already sorted
Coconut is built to make Making Tax Digital simple for sole traders and landlords. Everything is designed to help you stay organised, compliant, and in control of your finances throughout the year.

Automatically pull in income and expenses so your records stay up to date without manual entry.

All your income, expenses, and records are organised in one place for MTD reporting.

Send your tax updates throughout the year directly to HMRC, without spreadsheets or extra admin.

Snap receipts in seconds and always know what you owe as your income and expenses update automatically.



with our easy-to-read articles
Offer terms: 3 months of Coconut free for new customers who sign up via the MoneySavingExpert offer. Offer is limited to one per customer and cannot be used in conjunction with any other offer. After the 3-month free period, your subscription will continue at the standard price unless cancelled. See Coconut's full terms for further details.