This can be done using household items.
With the heel of a chef's knife. See video.
Hand drill tool
Can work like a charm if you hit the right spot, or be exasperating and require another tool (for stubborn coconuts).
See here $7:
https://www.amazon.com/CocoDrill-Young-Coconut-Opening-Opener/dp/B008HA4F60/
Mallet & circular wedge
I recommend a larger mallet be used with it (it is much easier that way).
See here $15:
https://www.amazon.com/Coconut-Opener-Stainless-Rubber-Mallet/dp/B07TSWJ2PB/
With a stainless steel tapping machine (lever operated).
Lever operated stainless steel tap
Have not personally used, but looks grandma friendly.
See here, $60: https://www.amazon.com/gp/product/B09K3XY43Y/