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Ember vs Coconut: Which Is Better Accounting Software?


Last Updated: 20 May 2025
Reviewed By: Ian Wright (Managing Director)

Which accounting software is better Ember or Coconut?

We compare them based on real user reviews, prices and what features they both offer.

Ember homepageCoconut homepage
 

Ember vs Coconut Basics

EmberCoconut
Software WebsiteEmber WebsiteCoconut Website
HMRC MTD StatusNot IncludedIn Development
Who Can Use It?Businesses and Self-employedSelf-employed people
HMRC Listed FeaturesNoneNone
PlatformsWeb-based application, Android, and iOSWeb-based application, Android, and iOS
Note data for this section comes from HMRC here and here

Ember vs Coconut Reviews

Wondering if Ember or Coconut has better user reviews. We compared them below.

EmberCoconut
Trustpilot Rating4.84.5
Number of Trustpilot Reviews213714
iPhone App Rating4.34.7
Number of iPhone Reviews372800
Android App Rating2.94.6
Number of Android Reviews421040
Please note ratings we’re accurate at the time of writing but may have since changed

Ember vs Coconut Prices

Which is cheaper Ember or Coconut? Here are their prices compared.

Ember pricingCoconut pricing

Free Plans & Trials

EmberCoconut
Free Plan?YesNo
Free Trial?YesYes
Free Trial Length?No30 Days
Data taken from each company’s website at the time of writing but may have since changed.

Paid Plan Prices

EmberCoconut
Cheapest Plan Cost Per MonthFree£9.00
Mid-Tier Plan Cost Per Month£39.00NA
Top Plan Cost Per Month£79.00NA
Data taken from each company’s website at the time of writing but may have since changed.

Ember vs Coconut Features

Ember featuresCoconut features

Ember Basic Features

  • Expenses
  • Invoicing
  • Integrations
  • Reporting
  • Reminders
  • Open Banking
  • Self Assessment
  • Annual Accounts
  • Registered Address
  • Discounts

Ember Software Integrations

  • Tide
  • Markel
  • Lawbite
  • Revolut
  • Wise
  • Reef

Coconut Basic Features

  • Connect accounts from 30+ banks and credit cards
  • Track your income and expenses throughout the year
  • Access Coconut on both mobile and desktop
  • Send and track unlimited branded invoices
  • Always know how much tax to set aside
  • Easily share access with your accountant

Coconut Software Integrations

  • HSBC
  • AMEX
  • Tesco
  • Tide
  • M&S Bank

Common Feature Comparison

EmberCoconut
Payroll Software IntegrationYesNo
Track VATYesYes
VAT FilingYesYes
Real-Time Financial ReportsYesNo
Prepare Self AssessmentYesYes
Income Tax EstimatesYesYes
Manage Income & ExpensesYesYes
Create InvoicesYesYes
Forecast Cash FlowYesYes
Accept and Make Payments In Different CurrenciesYesNo
Employee Time TrackingNoNo
ProjectsNoNo
Bank Feed IntegrationYesYes
End of Year FilingsYesNo
Capture Bills And ReceiptsYesYes
Bulk Reconcile TransactionsYesYes
Track Inventory & Stock LevelsYesNo

EmberCoconut
Pros
  • Ember offers its free account to both sole traders and limited companies.
  • Ember’s Pro plan for sole traders is one of the cheaper paid accounts on the market.
  • The Pro and Unlimited plans are Making Tax Digital-compliant.
  • Ability to submit VAT tax returns directly to HMRC with the Pro and Unlimited plans.
  • Every Ember plan comes with discounts on other business tools and services.
  • App is well designed
  • Price
  • Perfect set of features
  • Customer service is top notch
  • Dashboard makes seeing all daily activities in one place
Cons
  • The free Starter plans are not MTD-compliant, and you will not be able to sign up for that plan if your business is VAT-registered. This means you cannot submit your VAT returns directly to HMRC if you are on a free plan.
  • There is currently no multi-user access, regardless of which plan you are on.
  • Ember’s full payroll function is only available to limited companies paying for the Unlimited plan and as a paid extra
  • There is no built-in cash-flow forecasting function, regardless of your plan.
  • Few features lacking compared to other scheduling software
  • Calculations didn’t match up

More Comparisons

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Ember vs Earnr
Ember vs Federation of Small Businesses MTD
Ember vs Hammock
Ember vs IRIS Elements

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