What Crypto Tax Software Really Costs

The Determination You Are Making

It’s worthwhile to file crypto taxes. You need to know what the software program truly prices. The marketed tiers are straightforward to search out. The actual query is tougher: how does every vendor depend transactions, the place do the tier boundaries sit, and at what quantity does one vendor change into cheaper than one other?

This evaluation is constructed from revealed pricing pages, assist heart documentation, and vendor-published help articles as of September 1, 2026. The instruments weren’t examined hands-on. Each functionality declare is cited to a selected documentation web page. Each value is dated as a result of distributors change tiers regularly.

The earnings mechanism right here is straightforward. Tier boundaries are the place the price is. An energetic DeFi 12 months can push you from a $49 tier to a $199 tier, and the most affordable choice modifications with quantity. Understanding how every vendor counts transactions determines which tier you land in and whether or not you’re paying $99 or $279 for a similar tax 12 months.

How Koinly Counts Transactions

Koinly’s counting methodology creates pricing surprises. The essential rule: Koinly counts transactions cumulatively throughout your total historical past, not per 12 months. When you imported information in 2021 and add 2026 transactions now, each years depend towards your restrict.

A transaction is any deposit, withdrawal, or commerce imported into your account. Koinly consolidates grouped trade fills. If an trade splits one giant order into 200 smaller fills, Koinly teams them right into a single transaction. Deleted transactions don’t depend. The vast majority of small mud rewards and spam tokens are excluded robotically.

Your billable transaction depend in Koinly is commonly a lot decrease than the uncooked quantity proven on exchanges. This consolidation reduces prices for high-frequency merchants, however cumulative counting will increase prices for long-term holders who import a number of years of historical past concurrently.

A single liquidity supplier entry can develop into a number of taxable occasions. Depositing right into a Uniswap pool registers as two transactions (one for every token). Withdrawing registers as two extra. The following swap of LP tokens again to stables provides one other. One round-trip LP place consumes 5 transactions in Koinly’s depend.

This issues as a result of tier boundaries are strict. The distinction between 999 transactions and 1,001 is $100 in subscription price.

Koinly’s Tier Construction And What Every Consists of

Koinly presents a free tier and 4 paid tiers. Costs had been checked September 1, 2026, and apply per tax 12 months, not as an annual subscription.

Free Tier: Imports as much as 10,000 transactions. You possibly can see your good points, losses, earnings, and tax legal responsibility on display screen. You can’t obtain any studies. The only restriction: no exportable tax paperwork.

Beginner: $49, as much as 100 transactions. Unlocks full tax report downloads together with IRS Type 8949, Schedule D, worldwide tax studies for over 100 nations, TurboTax and TaxACT export recordsdata, and a complete audit path report.

Hodler: $99, as much as 1,000 transactions. Identical report suite as Beginner. This tier covers the most important proportion of energetic crypto buyers. For most individuals who maintain property throughout two or three exchanges, make common trades, and use one or two DeFi protocols, 1,000 transactions offers adequate headroom.

Dealer: $199, as much as 3,000 transactions. Various sources cite this tier at $179, indicating latest pricing variance. The leap from 1,000 to three,000 transactions represents the following significant capability improve.

Professional: Covers as much as 10,000 transactions. Sources cite this tier at $279 in some documentation and $199 in others, indicating pricing inconsistency throughout areas or documentation updates.

Koinly doesn’t supply a limiteless plan. Customers with portfolios exceeding 500,000 transactions can entry customized enterprise pricing. Extra 1,000-transaction packages can be found above the Professional tier for customers who fall between Professional and enterprise volumes.

Per-12 months Billing And The Multi-12 months Price Entice

Koinly costs per tax 12 months, not per calendar 12 months or as an ongoing subscription. Once you buy a plan, you pay for the power to generate tax studies for one particular tax 12 months.

When you want studies for 2024, 2025, and 2026, you buy three separate plans. Every prior tax 12 months requires a separate buy. Customers can improve their plans at any time by paying the distinction if their transaction depend exceeds their present tier’s restrict.

This construction differs from CoinTracker’s subscription model, which covers all tax years in a single plan and offers year-round portfolio monitoring with out repurchasing. When you want studies for a number of years or need ongoing portfolio monitoring, whole price is commonly decrease with CoinTracker regardless of larger per-year pricing.

The per-year billing mannequin favors customers who want a single tax 12 months report and don’t require ongoing portfolio monitoring. It penalizes customers who import historic information or keep steady monitoring throughout a number of tax years.

What Volumes Look Like In Observe

Transaction counts are summary till you map them to lifelike exercise ranges. Listed here are three eventualities exhibiting how completely different utilization patterns map to Koinly’s tiers.

State of affairs 1: Trade-only holder, 50 trades per 12 months, three years of historical past. Complete transactions: 150. This consumer lands within the Beginner tier at $49 per tax 12 months as a result of cumulative counting contains all three years.

State of affairs 2: Lively DeFi consumer, two LP positions, month-to-month rebalancing, staking rewards on three networks, 400 transactions in 2026 alone. If this consumer imports solely 2026, they land within the Beginner tier at $49. In the event that they import two prior years at related exercise ranges, cumulative depend reaches roughly 1,200 transactions, pushing them into the Dealer tier at $199.

State of affairs 3: Excessive-frequency dealer, 2,000 transactions per 12 months on centralized exchanges, however heavy consolidation as a result of grouped fills. Uncooked transaction depend is 2,000. After Koinly’s consolidation, billable depend might drop to 800-1,000, touchdown the consumer within the Hodler tier at $99 as a substitute of Dealer at $199.

The third situation demonstrates why Koinly’s consolidation advantages trade merchants greater than DeFi customers. Trade exercise consolidates properly. DeFi exercise expands as a result of every protocol interplay generates a number of discrete on-chain occasions that can’t be consolidated.

Platform Protection And The 1099-DA Query

Koinly helps over 850 integrations, together with direct blockchain syncing for 14 main networks comparable to Bitcoin, Ethereum, and Solana. It handles all nations that use Common Price, FIFO, LIFO, and HIFO for calculating good points. Specialised tax studies can be found for the US, Canada, Australia, UK, Germany, Norway, Denmark, and Sweden.

As of 2026, U.S. customers can add Form 1099-DA information. Koinly makes use of the uploaded information when getting ready Type 8949 and highlights variations that will require the consumer to assessment imported transactions or transfers. This reconciliation characteristic is essential as a result of brokers now report gross proceeds to the IRS, and mismatches between broker-reported figures and your calculated price foundation set off audit danger.

The 1099-DA reconciliation characteristic is newly necessary in 2026. Most tax software program added this functionality in response to IRS final regulations requiring dealer reporting on digital asset gross sales. Koinly’s implementation flags discrepancies however doesn’t robotically reconcile them. You should manually assessment flagged transactions and modify price foundation or transaction categorization.

The place Koinly Turns into The Most cost-effective Possibility

Evaluating Koinly to CoinLedger, CoinTracker, and TokenTax throughout lifelike volumes exhibits the place every turns into the most affordable choice.

At 0-100 transactions, all distributors value equally. Koinly, CoinLedger, and TokenTax all supply entry tiers at $49. CoinTracker begins larger. Most cost-effective choice: Koinly, CoinLedger, or TokenTax.

At 100-1,000 transactions, Koinly’s Hodler tier at $99 is aggressive. CoinLedger and TokenTax cost related quantities for this quantity. CoinTracker stays dearer however contains multi-year protection. Most cost-effective choice for single-year reporting: Koinly at $99.

At 1,000-3,000 transactions, Koinly’s Dealer tier at $199 (or $179 relying on area and timing) competes with CoinLedger’s equal tier. TokenTax costs extra. CoinTracker’s subscription mannequin begins to make sense when you want multiple tax 12 months as a result of the annual subscription covers all years. Most cost-effective choice for single-year reporting: Koinly. Most cost-effective choice for multi-year reporting: CoinTracker.

At 3,000-10,000 transactions, Koinly’s Professional tier pricing is inconsistent throughout sources ($199 to $279). CoinLedger and TokenTax cost related quantities. CoinTracker’s subscription stays larger per 12 months however covers limitless years and ongoing portfolio monitoring. Most cost-effective choice is dependent upon whether or not you want multi-year protection.

Above 10,000 transactions, Koinly requires add-on packages or enterprise pricing. CoinTracker presents limitless transaction tiers. For very excessive volumes, CoinTracker turns into cheaper on a per-transaction foundation when you want steady monitoring.

The DeFi Transaction Enlargement Downside

DeFi exercise expands transaction counts sooner than centralized trade exercise. A single liquidity provision on Uniswap registers as a number of transactions. Autocompounding yield methods create transaction occasions with each harvest. Cross-chain bridges generate transactions on each supply and vacation spot chains.

A consumer who offers liquidity on Curve, stakes on Lido, and makes use of a bridge twice per thirty days can simply generate 500-800 transactions per 12 months from exercise that appears like a dozen discrete actions. If that consumer imports three years of historical past, cumulative depend reaches 1,500-2,400 transactions, pushing them from the Hodler tier into the Dealer tier.

The fee distinction is $100-150 per tax 12 months relying on tier. Over three tax years, the distinction is $300-450. That is the place understanding how DeFi activity maps to taxable events determines whole price, not simply tax legal responsibility.

What You Ought to Examine Earlier than You Purchase

First, import your transactions into Koinly’s free tier. The platform will calculate your billable transaction depend after consolidation and exclusions. This quantity determines which tier you want. Don’t estimate primarily based on uncooked trade transaction counts as a result of consolidation can cut back your billable depend by 30-50%.

Second, examine whether or not you want single-year or multi-year reporting. When you want multiple tax 12 months, calculate whole price throughout all years and evaluate to CoinTracker’s annual subscription.

Third, confirm whether or not your exchanges and wallets are supported. Koinly helps over 850 integrations, however some smaller exchanges and DeFi protocols require guide CSV uploads. Guide uploads take longer and improve error danger.

Fourth, verify the tier value on Koinly’s pricing web page instantly earlier than buy. Pricing varies by area and modifications regularly. Sources from January 2026 present completely different costs than September 2026 for a similar tiers.

Fifth, examine whether or not your exercise contains edge cases that most tax software handles poorly. Card rewards, rebasing tokens, LP rebalancing, and cross-chain bridges all create transaction categorization issues. Koinly handles these higher than some opponents however not completely.

Who Koinly Is Proper For

Koinly is the most affordable choice for customers who want single-year reporting, have fewer than 3,000 transactions after consolidation, and primarily commerce on centralized exchanges. The transaction consolidation characteristic and spam exclusion cut back prices for high-frequency trade merchants greater than some other vendor.

Koinly isn’t the most affordable choice for customers who want multi-year reporting or ongoing portfolio monitoring. The per-year billing mannequin makes whole price larger than CoinTracker’s subscription when you want greater than two tax years.

Koinly works properly for customers in non-U.S. jurisdictions the place specialised tax studies are required. The platform helps over 100 nations and offers country-specific tax kinds that opponents don’t supply.

Koinly doesn’t work properly for customers with very excessive transaction volumes (above 10,000) who want limitless tiers. CoinTracker turns into cheaper per transaction at that quantity.

My Advice

Use Koinly when you want single-year reporting for fewer than 3,000 transactions and commerce totally on centralized exchanges. The $99 Hodler tier covers most energetic buyers, and transaction consolidation retains you in a decrease tier than uncooked transaction counts recommend.

Don’t use Koinly when you want multi-year reporting or steady portfolio monitoring. The per-year billing mannequin makes it dearer than CoinTracker over time. Don’t use Koinly when you have heavy DeFi exercise above 1,000 transactions per 12 months as a result of transaction enlargement will push you into larger tiers the place opponents supply higher worth.

Import your information into the free tier first. Let Koinly calculate your billable transaction depend. Then evaluate that depend to CoinLedger and CoinTracker on the similar quantity. The most cost effective choice modifications at particular quantity boundaries, and the one method to know the place you land is to examine your precise consolidated depend.

In case your quantity exceeds 3,000 transactions, learn the pricing web page instantly earlier than buy. Tier pricing for Dealer and Professional has diversified by $50-80 throughout completely different sources and dates. Regional pricing variations exist. Affirm the precise value in your jurisdiction earlier than committing.

The Takeaway

Koinly’s tier construction seems simple till cumulative transaction counting and DeFi exercise enlargement work together. A consumer who estimates 800 transactions primarily based on current-year trade exercise might land in a 2,000-transaction tier after importing historic information and DeFi positions. The free tier exhibits your precise billable depend earlier than you pay. Use it. The distinction between the Hodler tier at $99 and the Dealer tier at $199 is transaction consolidation and whether or not you import one 12 months or three. The most cost effective choice at 500 transactions isn’t the most affordable choice at 2,500 transactions. Examine your precise depend, confirm present pricing on the seller’s web page, and calculate whole price throughout the variety of tax years you want earlier than selecting.

Ceaselessly Requested Questions

Does Koinly depend transactions per 12 months or cumulatively?

Koinly counts transactions cumulatively throughout your total historical past, not per 12 months. When you import three years of information, all transactions from all three years depend towards your tier restrict. That is the commonest pricing shock. A consumer with 800 transactions per 12 months who imports three years of historical past lands in a tier for two,400 transactions, not 800. All the time examine your billable depend within the free tier earlier than buying a paid plan.

How does Koinly consolidate trade transactions?

Koinly teams trade fills from a single order into one transaction. If an trade splits your giant order into 200 smaller fills, Koinly consolidates them right into a single transaction. Deleted transactions don’t depend. Most small mud rewards and spam tokens are excluded robotically. This consolidation reduces your billable transaction depend, usually by 30-50% in comparison with uncooked trade transaction counts. DeFi exercise doesn’t consolidate as properly as a result of every protocol interplay generates discrete on-chain occasions.

Do I would like to purchase Koinly individually for every tax 12 months?

Sure. Koinly costs per tax 12 months, not as an annual subscription. When you want studies for 2024, 2025, and 2026, you buy three separate plans. This differs from CoinTracker, which covers all tax years in a single subscription. When you want multi-year reporting or ongoing portfolio monitoring, calculate whole price throughout all years and evaluate to CoinTracker’s subscription mannequin. Koinly is cheaper for single-year reporting however dearer for multi-year use.

What tier do I would like for energetic DeFi use?

Lively DeFi use expands transaction counts quickly. A single LP place generates a number of transactions for deposit, withdrawal, and swaps. Autocompounding methods create occasions with each harvest. Cross-chain bridges generate transactions on each chains. A consumer with two LP positions, month-to-month rebalancing, and staking on three networks can generate 500-800 transactions per 12 months. When you import three years of historical past, count on 1,500-2,400 transactions, which requires the Dealer tier at $199 or larger relying on precise depend.

Can I see my precise transaction depend earlier than paying?

Sure. Koinly’s free tier imports as much as 10,000 transactions and exhibits your precise billable depend after consolidation and exclusions. You possibly can see all good points, losses, and tax legal responsibility on display screen. The one restriction is you can’t obtain studies. Import your information into the free tier, examine your billable transaction depend, then buy the suitable paid tier. That is the one method to know your precise price as a result of consolidation and exclusions fluctuate considerably by consumer.