.svg)
Crunch vs. Coconut
A powerful Coconut alternative with unlimited expert accountancy support
Looking for an alternative to Coconut that offers more than just software? Crunch combines expert accountancy support with intuitive software designed to make your finances easier.
With us, you get more than just tools - you get real people and accountants helping you manage your accounts, all for a price that works for you.
Start using Crunch today and experience the power of expert accounting support!
See how Crunch compares as an alternative to Coconut
Your business finances are crucial, and choosing the right accounting provider means finding one with a proven track record. At Crunch, we’ve been delivering secure, reliable, and trusted accounting solutions for well over a decade. We’ve helped tens of thousands of businesses take control of their finances with confidence—many of whom have been with us since the very beginning.
| Feature |  |
 |
|---|---|---|
| Price |
Crunch provides both software and full accounting services for just £266 + VAT more than Xero's software alone—no need for extra add-ons or an accountant.
|
Xero can be expensive for just the software, and you'll often need several add-ons and an accountant, adding even more costs.
|
| Unlimited UK-based accountant support |
Unlimited access to UK-based Chartered Certified accountants is included with all packages
|
Not available – No Accountancy Services built in.
|
| Transparent, fixed pricing |
No hidden fees or unexpected charges – Clear, upfront pricing.
|
Variable pricing – Additional costs for premium features or services.
|
| Custom packages for businesses |
Tailored packages to suit freelancers, contractors, and small businesses.
|
Standard packages – Limited flexibility for specific business needs.
|
| Award-Winning UK-based accountants |
Yes – Recognised and trusted by thousands of UK businesses.
|
No – Xero doesn’t offer accountant services, only software.
|
| Easy migration & setup |
Free migration help for a smooth transition. We’ll answer all your questions!
|
Yes - offers migration using a partner firm, which involves using additional service.
|
| Real-Time accounting dashboard |
Yes – Intuitive dashboard with real-time insights and support.
|
Yes – Software-only solution without direct accountant support.
|
| Feature | |
 |
|---|---|---|
| Unlimited UK-based accountant support |
Included with all packages – Unlimited access to UK Chartered accountants.
|
Not included – Additional cost for support services from Accountants
|
| Transparent, fixed pricing |
No hidden fees or surprise costs – Clear, upfront pricing.
|
Variable pricing – Additional costs for many services and tools.
|
| Tax filing and HMRC Compliance assistance |
Full support for HMRC filings and compliance deadlines.
|
Limited – External accountant needed for full tax support.
|
| Tailored Packages for freelancers and small businesses |
Flexible packages designed for UK-based freelancers, contractors, and small businesses.
|
Standardised plans – Limited customisation for specific business needs.
|
| Migration and onboarding support |
Free, easy migration with setup support and advice.
|
Self-service setup – No dedicated migration assistance.
|
| Award-Winning UK-based accountants |
Yes – Recognised for outstanding service to UK businesses.
|
Primarily US-focused support
|
| Feature | |
 |
|---|---|---|
| Unlimited UK-based accountant support |
Included with all packages – Unlimited access to UK Chartered accountants.
|
Non existent – requires additional cost for support services from an accountant.
|
| Transparent, fixed pricing |
No hidden fees or surprise costs – just clear, upfront pricing.
|
Cheap but basic, with no advanced features. You’ll likely end up needing Crunch anyway.
|
| Tax filing and HMRC Compliance assistance |
Full support for HMRC filings, compliance deadlines, Companies House submissions, and all other regulatory paperwork.
|
ZERO tax filing– external accountant needed for full tax support.
|
| Tailored Packages for freelancers and small businesses |
Flexible packages, tailored for freelancers, contractors, small businesses, sole traders, and limited companies.
|
One package with absolutely no customisation options for specific business needs.
|
| Migration and onboarding support |
Free migration advice to help with setup.
|
No dedicated support whatsoever. Limited, basic customer emails only.
|
| Award-Winning UK-based accountants |
Yes. Recognised for outstanding service to UK businesses.
|
No - you will have to pay the high fees of an external accountant.
|
| Feature | |
 |
|---|---|---|
| Unlimited UK-based accountant support |
Included with all packagesUnlimited access to UK-based, Chartered ACCA accountants, including via chat and one-on-one video calls. ACCA-regulated for the best advice and support.
|
Ember offers support from UK-based accountants, but are not regulated by any professional body. Issues not resolved by Ember must be taken to the Financial Ombudsman, which can be lengthy.
|
| Transparent, fixed pricing |
Clear, transparent pricing with no hidden fees.
|
Fixed, upfront pricing.
|
| ‘’Pay Yourself’’ tool |
Yes, including real-time profit insights, salary & dividend recommendations, and payslip generation to make managing income easy.
|
No comparable feature with the same level of integration.
|
| Dedicated bookkeeping services. |
Yes! With Crunch, you can manage your bookkeeping yourself or have our expert team handle it.
|
No comparable service for users seeking full bookkeeping support.
|
| Award-winning UK-based accountants |
Access to Crunch’s award-winning accountants, trusted by thousands of UK businesses.
|
No award recognition for their accountants, lacking the same level of recognition as Crunch’s experts.
|
| Contract flexibility |
Enjoy the freedom to cancel with just 30 days' notice—no long-term commitments required.
|
Locked into a 12-month contract with no option for early cancellation.
|
| Feature | |
 |
|---|---|---|
| Unlimited UK-based accountant support |
Included with all packages – Direct access to certified chartered accountants whenever you need support or advice.
|
Not included – Although Freeagent does have a Crunch copycat plug in accountancy service, these use 3rd party accountants.
|
| Transparent, fixed pricing |
Fixed, transparent pricing with no hidden fees, so you’re always in control of costs. Plus much lower prices with our bundled packages.
|
Variable pricing – Potential additional charges for extra features or user accounts.
|
| Tax filing and HMRC Compliance assistance |
Dedicated support with tax filings and full HMRC compliance to keep you on track and worry-free.
|
Limited – Provides tax tools but lacks the personalised accountant guidance for compliance.
|
| Tailored Packages for freelancers and small businesses |
Flexible options designed for freelancers, contractors, and small UK businesses—tailored to your needs.
|
Standard packages – Less customisation available for specific business types or needs.
|
| Migration and onboarding support |
A seamless transition with migration and onboarding support to get you up and running quickly.
|
Self-setup – Limited onboarding support for new users, with no dedicated migration help.
|
| Award-Winning UK-based accountants |
Award-winning UK-based accountants bring specialised local knowledge and hands-on expertise.
|
No accountant support within the software – Primarily a self-managed, software-only solution.
|
| Feature | |
 |
|---|---|---|
| Unlimited UK-based accountant support |
Included with all packages – Access to qualified UK accountants for ongoing support.
|
Not included – Primarily software-focused, with limited accountant support.
|
| Transparent, fixed pricing |
Clear, upfront pricing with no hidden costs or surprises.
|
Variable pricing – Additional costs may apply for premium features and additional users.
|
| Tax filing and HMRC Compliance assistance |
Full tax filing support and HMRC compliance guidance.
|
Limited – No integrated support for UK tax filings and compliance.
|
| Tailored Packages for freelancers and small businesses |
Customised packages designed for UK freelancers, contractors, and small businesses.
|
Standard packages – Limited flexibility for specific UK business needs.
|
| Migration and onboarding support |
Free migration assistance with a dedicated team to help you set you up smoothly.
|
Self-service setup – No dedicated migration support available.
|
| Award-Winning UK-based accountants |
Yes – Recognised UK-based support from experienced accountants.
|
Primarily US-focused, with limited UK-specific expertise.
|
| Feature | |
 |
|---|---|---|
| Unlimited UK-based accountant support |
Included with all packages – Direct access to UK-based accountants for personalised advice.
|
No - Pandle offers ZERO access to real accountants.
|
| Transparent, fixed pricing |
Clear, upfront pricing with no hidden fees, ensuring predictable costs.
|
Cheap but a very slow and bug-file app by all accounts. Try Crunch’s FREE software for something more powerful.
|
| Tax filing and HMRC Compliance assistance |
Full support with tax filings and HMRC compliance, keeping you on track.
|
Provides a few basic tax tools but you’ll have to pay accountant’s fees for tax filing.
|
| Tailored Packages for freelancers and small businesses |
Flexible options designed specifically for UK freelancers, contractors, and small businesses.
|
Standard packages – No customisation available for specific business needs.
|
| Migration and onboarding support |
Seamless transition with free migration and onboarding assistance.
|
Self-setup - you’re on your own for data migration. They have live-chat, but this is insufficient.
|
| Award-Winning UK-based accountants |
Access to award-winning UK-based accountants with specialised local knowledge.
|
Software solutions only - lacks direct access to experienced accountants.
|
| Feature | |
 |
|---|---|---|
| Unlimited UK-based accountant support |
Direct access to UK-based accountants for personalised advice is included as standard.
|
Not included – Possible to get some accountant support likely costs extra.
|
| Transparent, fixed pricing |
Clear, upfront pricing with no hidden fees, ensuring predictable costs.
|
Variable pricing – Additional charges may apply for premium features and services.
|
| Tax filing and HMRC Compliance assistance |
Full support with tax filings and HMRC compliance, keeping you on track.
|
Limited – Offers tools for tax management but lacks integrated accountant support.
|
| Tailored Packages for freelancers and small businesses |
Flexible options designed specifically for UK freelancers, contractors, and small businesses.
|
Standard packages – May not cater as precisely to individual business requirements.
|
| Migration and onboarding support |
Seamless transition with migration and onboarding assistance.
|
Self-setup – Limited personalised support for data migration and setup.
|
| Award-Winning UK-based accountants |
Access to award-winning UK-based accountants with specialised local knowledge.
|
Primarily software solutions; direct access to accountants may require additional services.
|
More about Coconut
Coconut raised over £6m through crowdfunding but faced challenges after withdrawing its banking functionality in a later funding round. This decision led to client losses and contributed to the company’s later insolvency. Although it was eventually acquired by a Self Assessment software company, it was sold at a significant financial loss to its shareholders.
Crunch, on the other hand, has grown sustainably as a profitable, independent business. With a strong foundation, award-winning service, and expert support, we’re here for the long haul. And years from now, we’ll still be offering a stable, trustworthy accounting solution for businesses that need more than just software.
Established in 2009, trusted by over 64,000.
Experience award-winning smart software and expert accountants, all in one place.
.png)
Key benefits of Crunch vs
Coconut
Support from real UK-based accountants
Crunch is the best alternative to QuickBooks (which is software-only) because it includes unlimited access to UK-based accountants in every package. Giving you expert advice for things like expenses, tax planning, or financial growth when you need it—at no extra cost.
Full compliance and tax filing assistance
Our accountants handle your tax filings and compliance needs, so you stay on top of HMRC deadlines. Coconut provides connection to a Self Assessment software for extra costs. Other than that, there’s ZERO tax filing. So you’ll need to use an external accountant which incurs high costs for small business.
Personalised packages to suit your business needs
Crunch offers packages designed for UK freelancers, Sole Traders and Limited businesses, ensuring you only pay for what you need. In comparison, Coconut takes a one-size-fits-all approach, offering only basic features.
Onboarding, migration and ongoing assistance
Switching from Coconut to Crunch is simple, our dedicated team can help you with migration, setup, and onboarding to let you stay focused on your business. Our award-winning software and service will never drive you nuts.
.svg){kind=icon}
All the accounting features you need to reach max profitability!
Crunch’s user-friendly dashboard gives you real- time visibility of cash flow, expenses, and profits enabling better financial decision making.
Record expenses on the go with our mobile app. Snap receipts, connect your bank, and let Crunch handle the categorisation, VAT, and record-keeping. You can even log mileage effortlessly with our built-in tracker.
Get paid up to 3x quicker with CrunchPay. Add a simple “Pay Now” button to your invoices so clients can pay instantly via Apple Pay, Google Pay, Direct Debit, or card.
Import bank transactions daily and match them with one click using our AI-suggested matches. Stay on top of your finances in real-time—no spreadsheets, no guesswork.
Never upload a statement again with secure bank feeds, your transactions flow into your account automatically, saving you time and keeping your books effortlessly up to date.
Switchin to Crunch from
Coconut
is easy
Our friendly experts make it quick and simple with minimal disruption.
Helpful migration support
Our expert team takes the stress out of switching by guiding you through every step, making the transition to Crunch super smooth.
Fast, secure data transfer
We handle the secure import of your financial data, so you can switch with confidence, knowing your information is safe.
Full setup and ongoing assistance
Enjoy a hassle-free setup and onboarding process, followed by unlimited support from our UK-based accountants to keep your business running smoothly.
Make the move to Crunch today and start enjoying our expert-led support right away!
Frequently asked questions
Explore our FAQs for quick answers to your questions
Crunch offers unlimited UK-based accountant support included in every package, along with transparent, fixed pricing—making it the ideal Coconut alternative for freelancers, Sole Traders and Limited companies.
Crunch offers transparent, fixed pricing with no hidden fees, while Coconut may charge extra for premium features and additional support. That’s why so many of our customers choose Crunch over Coconut.
Yes, Crunch’s accountants manage your tax filings and ensure compliance with HMRC, so you’re always up to date with requirements.
Not at all! Our dedicated team can help you with the migration and setup process for a smooth transition.
Yes, all Crunch packages include unlimited support from UK-based accountants who understand the specific needs of small UK businesses.
Absolutely! Crunch has tailored packages for freelancers, contractors, and small businesses, so you only pay for the support you need.
Still got questions? We’re on hand to answer them all! Simply give us a call on 0330 404 2284!
How does Crunch compare to the rest?
We don’t just think we’re the best, the numbers back it up. See how we outperform the competition.
Simple plans that grow with you. FREE for 14 days!
Trusted by over 64,000 — simple accounting with powerful software and unlimited human support from our experts and certified accountants.
Premium Plus: Everything a complex business needs, all in one place.
