MTD Bridging Software

  • No full accounting package required

  • Simple upload process

  • Built for sole traders and landlords

Making Tax Digital (MTD) doesn't have to mean changing the way you manage everything.

If you already keep your records in spreadsheets or a simple system, Coconut's Making Tax Digital bridging software gives you a practical way to upload your information, check the details in a clear dashboard and manage your MTD submissions without paying for a full accounting package.

It's built for sole traders, self-employed people and landlords who are comfortable using digital tools, but don't want complicated software with features they'll never use.

Start your MTD submission
  • No card details required
  • FCA authorised
  • Bank level security
View pricing
  • No card details required
  • FCA authorised
  • Bank level security
MTD ready badge with check mark and text Recognised by HMRC and code 4YTVND.Badge of FCA Authorised

Making Tax Digital, without the big software switch

Making Tax Digital doesn't have to mean changing how you manage everything.

If your records already work for you, bridging software can help connect them to HMRC for MTD submissions. That means you can keep using your existing spreadsheets, while still using compatible software when it's time to submit.

It's a practical option if you:

Already keep clear records

Use spreadsheets for your income and expenses

Want low cost MTD software

Don't need a full bookkeeping or invoicing package

Just want a simple way to submit MTD information online

In other words: if you know what you're doing, but you don't want to pay for software you'll never use, MTD bridging software could be the better fit.

What is MTD bridging software?

MTD bridging software is software that connects your existing records to the Making Tax Digital submission process.

Instead of moving everything into full accounting software, you can use bridging software to take data from your spreadsheets and submit it to HMRC through compatible software.

That makes it useful for people with simple tax affairs who already have their record keeping under control.

Coconut's bridging software is designed to keep that process straightforward: upload the right details, check them in your dashboard and manage the submission from one place.

How it works...

1. Upload your
information

Upload your spreadsheet.

That should include any income and expenses needed for your Making Tax Digital submission.

2. Check everything in your MTD dashboard

Review the details before you submit.

A clear dashboard helps you spot errors, check what's included and feel more confident about what you're sending.

3. Manage your
MTD submission

Once everything is ready, you can manage the submission through Coconut's bridging software. No rebuilding your whole setup — just a focused way to send what's needed.

Get started with Coconut
  • No card details required
  • FCA authorised
  • Bank level security
Download on the App StoreGet it on Google Play
Simple black outline of a cloud on a transparent background.Simple black outline of a cloud on a transparent background.

Why choose Coconut bridging software?

Coconut's bridging software is built for people who want MTD to feel clear, practical and affordable.

Bridging software vs full accounting software

Bridging software and full accounting software can both support Making Tax Digital, but they are built for different needs.

The right choice depends on how you already work.

If your records are already organised, bridging software may be enough. If you want help with wider record keeping, receipts, cash flow, invoices or tax estimates, Coconut's full MTD software may be a better fit.

Bridging software may be right if…
Full accounting software may be right if…

You already keep records in spreadsheets

You want to save time with automatic bank feeds and expense categorisation

You simply need a way to submit MTD updates to HMRC

You want to manage your records and submit MTD updates in one place

You want a lower-cost alternative to accounting software

You want to reduce manual admin and spreadsheet work

You are comfortable uploading files and checking details

You want real-time visibility of your income, expenses and tax position

You have simple tax affairs

You need a solution that grows with your business

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Simple pricing for MTD submissions

You shouldn't have to pay for a full accounting package if all you need is a practical way to manage MTD submissions.

Coconut's bridging software is designed as a focused, affordable MTD software option for people who already keep records in spreadsheets or simple systems.

No unnecessary bundles. No complicated setup. Just the tools you need to manage your submission.

MTD Bridging

£49.99
per year

Monthly pricing not available

Best for sole traders and landlords using spreadsheets to submit MTD updates

£16.99
per month

Key features

  • Keep your spreadsheet and stay MTD compliant
  • Submit MTD quarterly updates directly to HMRC
  • Supports self-employment and property income
  • Multiple businesses and income sources
See all features
  • Download our ready-made MTD spreadsheet template
  • One click upload of the completed spreadsheet
  • No bookkeeping software required
  • UK-based AI & human support
  • Need to complete your MTD filing? Add your MTD Annual Submission (Year-End Declaration) for £45 when required.

Bookkeeping

£99.99
per year

Or £16.99 per month

Best for sole traders and landlords who want to stay organised before MTD applies

£16.99
per month

Key features

  • Automatic income and expense tracking
  • Connect your bank in 30 seconds
  • Expenses categorised for you
  • Friendly UK expert support
  • Self-employment tax estimate (SA103)
  • Snap and store receipts instantly
See all features
  • Property income prep (SA105)
  • Clear guidance on claimable expenses
  • Attach receipts to transactions
  • Automatic bank transaction imports
  • Unlimited professional invoices
  • PayPal income automatically imported
  • Invite your accountant anytime
  • Instant profit and loss report
  • Mobile app (iOS & Android)
  • Access from any web browser
  • Secure bank-level encryption
  • Real-time profit overview
  • Multiple income streams

MTD filing

£129.99
per year

Or £21.99 per month

Best for sole traders and landlords who need HMRC-recognised MTD software for Income Tax

£21.99
per month

Everything in Bookkeeping, plus:

  • Send quarterly MTD updates to HMRC
  • Submit your MTD year-end return
  • Dedicated MTD expert help
  • Multiple income streams
  • In year tax estimates
  • HMRC recognised for MTD
See all features
  • Never miss a tax deadline
  • HMRC-ready digital records

+Self Assessment

£129.99
per year
Save over £130

Key features

Everything in Bookkeeping, plus:

  • Submit Self Assessment direct to HMRC
  • Built-in tax saving suggestions
See all features
  • All tax forms supported:
  • Basic tax return (SA100)
  • Employment income (SA102)
  • Self-employment income (SA103)
  • Partnerships (SA104)
  • Property income (SA105)
  • Foreign income (SA106)
  • Trust income (SA107)
  • Capital gains (SA108)
  • Residency status (SA109)

Full

£159.99
per year
Save over £130

Key features

Everything in Bookkeeping, MTD & Self Assessment

  • Submit Self Assessment direct to HMRC
  • Send quarterly MTD updates to HMRC
  • Submit your MTD year-end return

Want !Coconut for free for 2 years?

Then apply for a free Zempler bank account within !Coconut.
It only takes 2 minutes!

Savings are based on the monthly price

Is MTD bridging software right for you?

Coconut's MTD bridging software could be a good fit if you're a:

Sole trader

Freelancer

Contractor

Self-employed professional

Small business owner

Landlord

Spreadsheet user with simple records

It's especially useful if you're comfortable uploading files, checking details in a dashboard and managing basic digital tools yourself.

It may not be the right option if you need a full accounting platform with bookkeeping, invoicing, reporting, Making Tax Digital submissions or year-end tax return filing.

But if your records are already sorted and you mainly need a clear way to submit MTD information online, bridging software can help you stay compliant without overcomplicating things.

Built to keep MTD manageable

MTD can feel like yet another thing to deal with. Coconut keeps the submission step clear.

MTD ready badge with check mark and text Recognised by HMRC and code 4YTVND.

HMRC-compatible submissions

Coconut's MTD bridging software helps you submit through compatible software, so you can manage the Making Tax Digital process without relying on manual workarounds.

You can upload your information, check the details and submit what's needed in a clearer, more organised way.

Secure submission process

Your information is handled through a digital process designed for MTD submissions.

That means you can keep your records organised and review your details before submitting.

Simple setup

You don't need to move everything into a full accounting package just to get started.

If your records are already organised in spreadsheets, Coconut gives you a practical way to still continue using them for MTD.

Two flying receipts with wings showing total amount in pounds with question marks.

No messy migration

There's no need to rebuild your whole setup.

Coconut's bridging software is designed for people who already have records they trust and simply need a clearer way to manage MTD submissions.

Support when you need it

You'll have customer support available if you need a hand with uploads, pricing, setup or the submission process.

So, you're not left figuring everything out on your own.

Calculator with British pound symbols, tax return documents, and a large X symbol.

No unnecessary extras

You should not have to pay for a full accounting package if all you need is a practical way to manage MTD submissions.

Coconut gives you a focused route, without invoicing, reporting or other features you may not need.

Person in plaid and white shirt standing and working on a laptop in a creative workshop, with an open notebook on the table and shelves of tools and materials in the background.

MTD bridging software FAQs

What is MTD bridging software?

MTD bridging software connects your existing records to HMRC for Making Tax Digital submissions.

It's often used by people who keep their records in spreadsheets, but still need compatible software to submit MTD information online.

Coconut's bridging software gives you a practical solution that helps you to upload your information, check the details in an MTD dashboard and manage your submission without switching to full accounting software.

Who is Coconut's MTD bridging software designed for?

Coconut's MTD bridging software is designed for sole traders, freelancers, contractors, self-employed people, landlords and small businesses.

It's a good fit if you're comfortable using spreadsheets, uploading files and checking details online, but don't want a full accounting package.

Do I need full accounting software to use it?

No — and that's the point.

Bridging software is designed for people who already keep records in a spreadsheet, and just need a way to manage Making Tax Digital submissions through compatible software.

If you need bookkeeping, invoicing or wider reporting, full accounting software may be a better fit.

Can I upload information from my existing records?

Yes. Coconut's bridging software is built for people who already have records they want to keep using.

You can upload information from existing spreadsheets, then review the details in your dashboard before managing your MTD submission.

Is this suitable for sole traders?

Yes. Coconut's MTD bridging software can be suitable for sole traders with simple tax affairs who want a focused way to manage Making Tax Digital.

It's especially useful if you already keep your income and expenses in spreadsheets and want a lower-cost alternative to full accounting software.

Is this suitable for self-employed people?

Yes. Coconut is built for self-employed people who want to keep tax simple.

If you're comfortable with basic digital tools and already have your records organised, bridging software can help you submit MTD information online without moving everything into a bigger accounting platform.

How much does MTD bridging software cost?

The cost of MTD bridging software depends on the software provider and what's included.

In general, bridging software is often more affordable than full accounting software because it focuses on MTD submissions, rather than extra tools like payroll, invoicing or advanced reporting.

Do I need to be an accountant to use it?

No. Coconut's bridging software is designed for confident basic IT users — no accountancy expertise required.

If you're comfortable using spreadsheets, uploading files and checking information in an online dashboard, the process should feel straightforward.

What information do I need before submitting?

You'll need the information required for the MTD submission you're making.

That could include income and expenses on a spreadsheet.

Does bridging software replace accounting software?

Not always.

Bridging software is mainly there to connect your existing spreadsheet records to HMRC for submission. It does not usually replace full accounting software if you need bookkeeping, invoicing, cash flow tools or reporting.

But if your records are already organised in a spreadsheet, bridging software may be all you need for the submission step.

How do I know if I need to comply with Making Tax Digital?

Making Tax Digital rules depend on your income, business type and the tax you're reporting.

MTD for Income Tax is being introduced for some sole traders, landlords and self-employed people based on qualifying income.

If MTD applies to you, you'll need compatible software to keep digital records and manage the relevant submissions.