Coconut or a free MTD app: is Coconut worth the fee?
VoxaMTD vs Coconut: feature by feature
| Feature | VoxaMTD | Coconut |
|---|---|---|
| Free option | Free plan: up to 2 tenancies, quarterly updates only | Two-week free trial; up to 2 years free with a new Zempler account, if eligible |
| Plan that sends MTD updates | Free, then £8.99, £12.99 and £27.99 a month | MTD filing £12.99 a month or £129.99 a year; £21.99 a month on monthly billing |
| Year-end filing | Not today | Included on MTD filing; £49.99 add-on with MTD Bridging |
| Keeping your spreadsheet | CSV or Excel import; not bridging software | MTD Bridging £49.99 a year, with a spreadsheet template |
| Bank feeds | Open banking (1 bank on the free plan) | Yes |
| Self Assessment for other years | No | File Self Assessment directly for £29.99, added to Bookkeeping |
| Expert help | No MTD experts; Alex, a voice AI tax assistant, on paid plans | Dedicated MTD expert help on MTD filing |
| Phone app | iPhone only | iOS and Android |
| Landlord tools | Section 24 calculator; compliance reminders on paid plans | Property expense categories and receipt capture |
Coconut's figures are from getcoconut.com/pricing, getcoconut.com/free-making-tax-digital-software and getcoconut.com/mtd-software/landlords, checked on 4 November 2026. Coconut's page does not say whether its prices include VAT. Check Coconut's site before you decide.
To judge VoxaMTD for yourself, read how it works and what the paid plans cost.
Frequently Asked Questions
Coconut vs a free MTD app for landlords: is Coconut worth the monthly fee?
It can be, if you want one product for quarterly updates and year-end filing, with expert help. Coconut's MTD filing plan includes both at £12.99 a month or £129.99 a year. If you have one or two tenancies and only need quarterly updates, VoxaMTD's free plan costs nothing, but you need other software or an accountant for the year-end step.
Is Coconut free for MTD?
Not as a permanent plan. Coconut offers a two-week free trial with no card. Eligible new Zempler customers may get up to two years free by opening a Zempler account through Coconut, subject to its terms.
Does Coconut do year-end filing?
Yes. Its MTD filing plan includes the MTD Annual Submission, which Coconut calls the Year-End Declaration. Its cheaper MTD Bridging plan charges £49.99 to add it, as listed on 4 November 2026. VoxaMTD sends quarterly updates only.
When might VoxaMTD suit better?
If you have one or two tenancies and want to pay nothing for quarterly updates, with no bank account to open. Coconut is the stronger choice if you want year-end filing, expert help or an Android app in one paid product.
Can I move from Coconut to VoxaMTD?
Yes. HMRC lets you change software at any time. Mid-year, bring this year's records across so your next update, which covers the tax year so far, is complete: VoxaMTD takes a CSV or Excel upload, or you can connect your bank. Keep your old records for at least five years.
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