Top 10 !Coconut Alternatives 2026
Simple accounting and MTD tax software for the self-employed and landlords in the UK.
Trusted by 2M+ software buyers annually.
Main Features
- Bank Level Security
- CIS Subcontractor Support
- Collaboration
- Expense Tracking
Pricing
Free Trial available
!Coconut is a Accounting Software platform. Teams looking for alternatives typically need better pricing flexibility, easier deployment, or a closer feature fit for their specific use case. Below you'll find 10 vetted Accounting Software alternatives ranked by user rating, with filters to narrow by pricing, platform, and features — so you can find the right fit for 2026.
!Coconut vs Top Alternatives at a Glance
Side-by-side comparison of pricing, user rating, and free trial availability to help you decide faster.
| Tool | Best For | Pricing | Rating | Free Option |
|---|---|---|---|---|
| !Coconut Current | Accounting Software | Free trial | No reviews | ✓ Yes |
 Xero | Accounting Software | $3.75 | 4.7 ★ | ✓ Yes |
 Zoho Books | Accounting Software | Free trial | 4.9 ★ | ✓ Yes |
 Bonsai | Accounting Software | Free trial | 5.0 ★ | ✓ Yes |
 Qonto | Accounting Software | Free trial | 4.7 ★ | ✓ Yes |
 Harpoon | Accounting Software | Free trial | 4.8 ★ | ✓ Yes |
Showing 1-10 out of 10
List of the Top !Coconut alternatives as of November 2026
Compare business software, products, and services to find the best solution for your business or organization. Use the filters on the left to drill down by category, pricing, features, market segment, user ratings, and more.
9.6
SpotScore
Xero — from $3.75 · 4.65★
RECOMMENDED
Streamline your finances and grow your business.
Add to compare
What is Xero?
Xero software is a cloud-based accounting system that helps businesses manage their finances, run payroll, and save time so they can focus on growing their business. This single platform connects all your finances and invoices. It's the resource you need to run your business, no matter where ...
Read moreCommon Features
-
Expense Tracking
-
Tax Management
Unique Features
-
Accounts Payable
-
Accounts Receivable
-
Bank Reconciliation
+ 12 more
Pricing
Free Trial available, Try Now
Starts from $3.75/month when monthly
9.2
SpotScore
Zoho Books — 4.91★
RECOMMENDED
Streamline your finances with ease.
Add to compare
What is Zoho Books?
Zoho Books is cloud accounting software for small to mid-sized businesses, particularly teams already using other Zoho products like CRM or Desk. It covers the full accounting cycle — invoicing, journal entries, bank reconciliation, and financial reporting — through a single unified platform. ...
Read moreCommon Features
-
Expense Tracking
-
Tax Management
Unique Features
-
Accounts Payable
-
Accounts Receivable
-
Bank Reconciliation
+ 11 more
Pricing
Free Trial available, Try Now
8.4
SpotScore
Bonsai — 4.98★
Efficiently manage your small business finances.
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What is Bonsai?
Bonsai is an all-in-one business management platform for freelancers, independent consultants, and small creative agencies that need proposals, contracts, project tracking, invoicing, and bookkeeping in one place. It reduces tool fragmentation by connecting the full client engagement lifecycle ...
Read moreWhat reviewers like about Bonsai
- Purpose-built for freelancers and creative agencies, covering client lifecycle tasks like proposals, contracts, invoicing, and payments in one place.
- Low learning curve, suitable for both beginners and seasoned professionals.
- Consolidates time tracking, task management, accounting, and client communication into one platform.
Where Bonsai falls short
- The breadth of features can overwhelm new users, requiring time to explore.
- Some features require subscription upgrades that are not always disclosed upfront.
- Occasional delays in customer support responses, though issues typically get resolved.
Common Features
-
Expense Tracking
-
Tax Management
-
Collaboration
Unique Features
-
Accounts Receivable
-
Billing and Invoicing
-
Cash Management
+ 14 more
Pricing
Free Trial available, Try Now
8.8
SpotScore
Qonto — 4.74★
Streamline your accounting with ease.
Add to compare
What is Qonto?
Qonto is a business banking platform built for small and mid-size businesses, freelancers, and startups in Europe who want faster account opening and cleaner expense management than traditional banks offer. It handles expense categorization, receipt capture, and transaction management with ...
Read moreWhat reviewers like about Qonto
- Fast account opening process, saving time for users and offering immediate functionality.
- User-friendly interface, making it easy for non-technical users to navigate and manage tasks.
- Exceptional customer support that is responsive, friendly, and highly effective in resolving issues.
Where Qonto falls short
- Limited functionality for handling large loans or financial needs requiring traditional banks.
- Marketplace options and advanced integrations could be expanded for more specialized business workflows.
- Some users may find the lack of traditional banking features a limitation for complex financial operations.
Common Features
-
Expense Tracking
-
Tax Management
Unique Features
-
Accounts Payable
-
Accounts Receivable
-
Bank Reconciliation
+ 8 more
Pricing
Free Trial available, Try Now
Qonto offers custom pricing plan
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7.9
SpotScore
Harpoon — 4.83★
Effortless accounting for small businesses.
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What is Harpoon?
Harpoon is an intuitive, powerful and easy to use cloud-based accounting software optimized for small-to-medium sized businesses. Harpoon offers a point-and-click interface, a customizable dashboard, powerful tools on every screen and autofill so you can spend less time on administrative tasks ...
Read moreWhat reviewers like about Harpoon
- Intuitive user interface
- Customizable dashboard
- Powerful tools available
Where Harpoon falls short
- Limited advanced features
- May require training for new users
- Not suitable for large enterprises
Common Features
-
Expense Tracking
-
Tax Management
Unique Features
-
Bank Reconciliation
-
Billing and Invoicing
-
General Ledger
+ 3 more
Pricing
Free Trial available, Try Now
7.9
SpotScore
Accoxi — 5★
Streamline your finances with Accoxi.
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What is Accoxi?
Accoxi is web-based accounting software for small businesses that need to track income and expenses, manage financial operations, and generate reports without dedicated accounting staff. It consolidates financial and operational data into a single browser-accessible platform. The tool suits ...
Read moreWhat reviewers like about Accoxi
- Web-based accessibility
- Easy financial tracking
- User-friendly platform
Where Accoxi falls short
- Limited customization options
- Basic features may not suffice
- Not suitable for large enterprises
Common Features
-
Expense Tracking
-
Tax Management
Unique Features
-
Accounts Payable
-
Accounts Receivable
-
Bank Reconciliation
+ 5 more
Pricing
Free Trial available
Accoxi offers custom pricing plan
8.1
SpotScore
Sunrise — 4.13★
Managing your finances with ease and accuracy.
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What is Sunrise?
Sunrise is an accounting software that helps small businesses stay organized, and grow. It offers invoicing features for when they need to invoice customers, bills and expenses for when they need to document how much they've spent on something in the past month, financial reports so you can ...
Read moreWhat reviewers like about Sunrise
- Simplifies accounting and invoicing with a user-friendly interface suitable for non-technical users.
- Offers cloud-based access, enabling use from anywhere and on any device.
- Facilitates efficient management of invoices, recurring billing, and expenses, saving users significant time.
Where Sunrise falls short
- Several gaps in key integrations, including PayPal, Zapier, CRMs, and some regional banking systems, limit automation and workflow options.
- Bank syncing and transaction imports often require manual input, which can be tedious and error-prone.
- Lack of templates for financial documents, withholding tax support, and advanced reporting features leaves certain needs unmet.
Common Features
-
Expense Tracking
-
Tax Management
Unique Features
-
Accounts Payable
-
Accounts Receivable
-
Bank Reconciliation
+ 7 more
7.7
SpotScore
Reach Accountant — 4.5★
Effortlessly streamline your accounting processes.
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What is Reach Accountant?
Reach Accountant is a cloud-based platform for small businesses that combines accounting with project management, time tracking, and expense reporting in one tool. It targets business owners who want to manage client projects and finances without switching between separate systems. Users ...
Read moreWhat reviewers like about Reach Accountant
- Comprehensive project management
- Cloud-based accessibility
- Simplified expense tracking
Where Reach Accountant falls short
- Limited integrations
- Basic reporting features
- Can be overwhelming for new users
Common Features
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Expense Tracking
Unique Features
-
Accounts Receivable
-
Bank Reconciliation
-
Billing and Invoicing
+ 3 more
8.1
SpotScore
Firm360 — 4.63★
Simplify your business with Firm360.
Add to compare
What is Firm360?
Firm360 is cloud-based practice management software for small and mid-sized accounting firms that need to run GST, bookkeeping, payroll, and tax workflows in one platform. It centralizes client work across accounting, cashbook, and tax filing functions, reducing the need for multiple standalone ...
Read moreWhat reviewers like about Firm360
- Comprehensive accounting features
- Cloud-based accessibility
- User-friendly interface
Where Firm360 falls short
- Limited integrations available
- May be complex for beginners
- Performance issues with large data
Common Features
-
Expense Tracking
Unique Features
-
Accounts Payable
-
Accounts Receivable
-
Bank Reconciliation
+ 10 more
Pricing
Firm360 offers custom pricing plan
7.3
SpotScore
Breadwinner — 5★
Streamline financial systems, automate data entry, gain accurate insights.
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What is Breadwinner?
Breadwinner helps businesses to streamline their financial systems with integrated Salesforce and finance software. This enables businesses to quickly and securely install and configure the system. By automating account synchronization with QuickBook, data entry is vastly sped up and errors ...
Read moreWhat reviewers like about Breadwinner
- Seamless Salesforce integration
- Automated account synchronization
- Error reduction in data entry
Where Breadwinner falls short
- Limited to QuickBooks and Xero
- May require setup time
- Not suitable for non-Salesforce users
Common Features
No common features
Unique Features
-
Accounts Payable
Pricing
Breadwinner offers custom pricing plan
The main !Coconut competitors
Across Accounting Software, 10 products compete directly with !Coconut. The strongest overlap is with Xero, Zoho Books and Bonsai. Each is compared against !Coconut on rating, pricing and feature coverage below.
Sites and apps like !Coconut
Searches for "sites like !Coconut" and "apps like !Coconut" land on the same set of options as "!Coconut alternatives" — the 10 options below cover both, whether you want a like-for-like replacement or something lighter.
The case for each pick
Purpose-built for freelancers and creative agencies, covering client lifecycle tasks like proposals, contracts, invoicing, and payments in one place.
Watch for: The breadth of features can overwhelm new users, requiring time to explore.
Fast account opening process, saving time for users and offering immediate functionality.
Watch for: Limited functionality for handling large loans or financial needs requiring traditional banks.
Intuitive user interface
Watch for: Limited advanced features
Simplifies accounting and invoicing with a user-friendly interface suitable for non-technical users.
Watch for: Several gaps in key integrations, including PayPal, Zapier, CRMs, and some regional banking systems, limit automation and workflow options.
Comprehensive project management
Watch for: Limited integrations
Comprehensive accounting features
Watch for: Limited integrations available
Seamless Salesforce integration
Watch for: Limited to QuickBooks and Xero
What to prioritize in a !Coconut alternative
Comparing pricing, ratings, and strengths across the 10 alternatives: 7 offer a free tier; and Accoxi is the highest rated at 5★ across 2 reviews.
Our scoring approach.
Disclaimer: This research has been collated from a variety of authoritative sources. We welcome your feedback at [email protected].
