Coconut vs Pandle
Both are full cloud accounting tools for Making Tax Digital for Income Tax.
Pandle is the cheaper starting point at £0 (VAT included) versus from £129.99/yr for Coconut — but the cheapest plan only wins if it covers the income types you actually have.
| Coconut | Pandle | |
|---|---|---|
| True annual cost from | from £129.99/yr | £0 |
| Self-employment | Yes | Yes |
| Property / rent | Yes | Yes |
| Keeps your spreadsheet | No | No |
| Accountant access | Yes | No |
| Type | full cloud accounting | full cloud accounting |
| HMRC status | Recognised | Recognised |
| Price verified | 2026-07-01 | 2026-07-01 |
Coconut
Built from the ground up for sole traders and landlords under MTD — simple categorisation, no accounting jargon. Often supplied free through partner accountants.
- First-timers who find accounting apps overwhelming
- Landlords with a side trade
Pandle
Free, HMRC-recognised cloud bookkeeping. The free version covers MTD for Income Tax quarterly updates for sole traders and UK landlords, with an optional paid Pro tier for more automation.
- People who want free cloud bookkeeping that also files MTD
- Sole traders and UK landlords on a budget
Not sure either is right? Use the finder to get a recommendation ranked by what it will actually cost you.
Prices are each tool's cheapest plan, VAT included, last verified 1 July 2026 (catalogue reconciled 1 July 2026). Links are affiliate links and never affect ranking. Not affiliated with HMRC; not tax advice.