Coconut vs Starling Accounting

See how their public offers line up before you choose your own position. Prices stay in the currency, billing schedule, and charged unit each vendor publishes.

Coconut

See full pricing history

GBP · US · source: www.getcoconut.com

Plan	Pricing	Charged by	Offer type
MTD Bridging	GBP 4.17 / month with annual commitment £49.99 per year Monthly pricing not available	Flat · per year	Standalone · Fixed
MTD filing Highlighted	GBP 12.99 monthly · GBP 10.83 / month with annual commitment £12.99 per month Or £129.99 per year	Flat · per month	Standalone · Fixed
Self Assessment	GBP 10.83 / month with annual commitment £129.99 per year Save over £130	Flat · per year	Standalone · Fixed
Full	GBP 13.33 / month with annual commitment £159.99 per year Save over £130	Flat · per year	Bundle · Fixed

Starling Accounting

See full pricing history

GBP · US · source: www.starlingbank.com

Plan	Pricing	Charged by	Offer type
Accounting Essentials	Free Free forever	Flat · per month	Standalone · Free
Accounting Plus	GBP 14 monthly Regular price £14/month after the temporary £7 promotion	Flat · per month	Standalone · Fixed

What each plan includes

Feature names follow each vendor’s own pricing page, so verify the wording before treating them as exact equivalents.

Coconut

MTD Bridging

Key features Keep your spreadsheet and stay MTD compliant: Included
Key features Submit MTD quarterly updates directly to HMRC: Included
Key features Supports self-employment and property income: Included
Key features Multiple businesses and income sources: Included
Highlights Download our ready-made MTD spreadsheet template: Included
Highlights One click upload of the completed spreadsheet: Included
Highlights No bookkeeping software required: Included
Highlights UK-based AI & human support: Included

MTD filing

Key Features Send quarterly MTD updates to HMRC: Included
Key Features Includes your MTD Annual Submission (Year-End Declaration): Included
Key Features Dedicated MTD expert help: Included
Key Features In year tax estimates: Included
Key Features Automatic income and expense tracking: Included
Key Features Connect your bank in 30 seconds: Included
Key Features Expenses categorised for you: Included
Key Features HMRC recognised for MTD: Included

Self Assessment

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

Full

Key features Submit Self Assessment direct to HMRC: Included
Key features Send quarterly MTD updates to HMRC: Included
Key features Submit your MTD year-end return: Included

Starling Accounting

Accounting Essentials

Plan card Free accounting tools: Included
Plan card Making Tax Digital Income Tax submissions: Included
Plan card Real-time tax calculations: Included

Accounting Plus

Plan card Day-to-day bookkeeping: Included
Plan card Tax management: Included
Plan card Making Tax Digital tools: Included

How their prices changed

Each dated row shows the public prices observed when that vendor’s pricing page changed.

Coconut

August 27, 2026 Source
- MTD Bridging: GBP 4.17 / month with annual commitment
- MTD filing: GBP 12.99 monthly · GBP 10.83 / month with annual commitment
- Self Assessment: GBP 10.83 / month with annual commitment
- Full: GBP 13.33 / month with annual commitment
August 27, 2026 Source
- MTD Bridging: GBP 4.17 / month with annual commitment
- MTD filing: GBP 12.99 monthly · GBP 10.83 / month with annual commitment

Starling Accounting

August 27, 2026 Source
- Accounting Essentials: Free
- Accounting Plus: GBP 14 monthly