Fees and features as of Oct 2026 Checked against vendor pages on October 15, 2026. Fees change; always confirm in the app's order preview.
Koinly is cheaper per tax year for small histories ($49 for 100 transactions) and is a one-time payment per year. CoinTracker costs $59/year for 100 transactions but one purchase covers every past year's forms, and auto-renews. Both let you preview your tax summary free before paying.
Not financial advice. This is a general, educational comparison of features and published fees. It is not a recommendation to buy, sell or hold any crypto asset. Crypto prices are volatile and you can lose money.
Pricing (US, as of Oct 15, 2026)
| Koinly | CoinTracker | |
|---|---|---|
| Free plan | Yes; all features up to 10,000 transactions, pay for the report | Yes; tax summary and portfolio value, no forms |
| 100 transactions | Newbie $49/tax year | Base $59/year |
| 250 transactions | Not published (next tier is Hodler) | Base+ $99/year |
| 1,000 transactions | Hodler $99/tax year | Prime $199/year |
| 2,500 transactions | Not published (next tier is Trader) | Prime+ $299/year |
| 3,000+ / 10,000 | Trader from $199/tax year | Ultra $599/year (10,000) |
| Billing | One-time per tax year, no automatic charge | Annual, auto-renews (can turn off) |
| Past years | Pay per tax year needed | Every past year's forms included |
| How transactions are counted | Deposits, withdrawals and trades you add; related ones grouped, spam filtered | Transactions in the tax year you file; spam and dust never count |
| Form 8949 / Schedule D | Yes | Yes (paid plans) |
| Tax software | Export to TurboTax, TaxACT | TurboTax and H&R Block integrations |
| Refund | 7 days if no report generated | 30 days if no forms downloaded |
Last verified Oct 2026 against official vendor pages.
Worked examples: what you'd actually pay
| Situation | Koinly | CoinTracker |
|---|---|---|
| One tax year, about 100 transactions | $49 | $59 |
| One tax year, about 1,000 transactions | $99 | $199 |
| Catching up 3 years, about 100 transactions each | $147 (3 × $49, one per tax year) | $59 (past years' forms included) |
| Catching up 3 years, about 1,000 each | $297 (3 × $99) | $199 |
| Second year in a row, same activity | Pay again only if you buy that year | Plan renews automatically unless you turn it off |
Last verified Oct 2026 against official vendor pages.
Assumes each year fits the named tier. Koinly counts transactions you add; CoinTracker counts only the year you are filing and excludes spam, dust and, on Prime and up, staking rewards and interest. Your real count can differ, so preview free in both before paying.
The pattern is clear: for one recent year, Koinly is cheaper at both tiers above. If you need several past years, CoinTracker's "every past year included" rule can flip the result.
Scenario: staking rewards change the price
Say your year has 900 trades plus 600 small staking reward payments. On CoinTracker, Prime and above exclude all staking and interest from the count, so you are at 900 and Prime ($199) covers it. On Koinly, a transaction is "any deposit, withdrawal or trade" you add, so reward deposits may count, although Koinly groups related transactions and filters spam. If they all counted, 1,500 would pass Hodler's 1,000 and you would need Trader (from $199). Preview your count in both before buying.
Upgrades, 1099-DA and payment
- Upgrading: both say you pay only the difference when you move up a plan.
- Form 1099-DA: CoinTracker lists 1099-DA reconciliation on paid plans and notes an exchange only sees activity on its own platform, so it can miss the cost basis of crypto you transferred in.
- Payment: Koinly takes major debit and credit cards plus BTC, ETH, DAI and USDC. CoinTracker takes major credit cards and digital wallets, and USDC on any plan.
- Regenerating reports: both let you regenerate reports for a year you've paid for after fixing data.
What each free plan actually shows
Koinly says every feature is free until you need the report, up to 10,000 transactions, including the capital gains preview and the tax optimizer. CoinTracker's free plan includes the tax summary and portfolio value but no downloadable forms, and its comparison table lists tax loss harvesting, tax lots and performance tracking only from Prime up. So try both: Koinly's free tier lets you see more of the detail before paying, while CoinTracker's shows the headline numbers.
Records worth keeping anyway
- Exchange account statements and CSV exports, downloaded each year in case an account closes.
- Wallet addresses you own, so transfers between them are matched instead of looking like sales.
- Fee lines from your order previews and receipts.
- Any 1099 forms an exchange sends you.
Getting your first report, step by step
- Gather the exchanges and wallets you used, including old accounts.
- Sign up for the free plan and connect each one by API sync or CSV import.
- Let the tool match transfers between your own wallets, so moving crypto doesn't look like a sale.
- Review flagged items: missing purchases, unmatched transfers, negative balances.
- Preview your gains and income for free.
- Check your transaction count against the price tiers, then pay only for what you need.
- Download Form 8949 and Schedule D, or send the numbers to your tax software.
Pros, cons and catches
Koinly
Pros
- Lower entry price per year ($49) and no subscription.
- Every feature is free to use until you need the report.
- Exports to TurboTax and TaxACT.
Cons
- You pay separately for each tax year.
- Refund window is 7 days, and only if no report was generated.
Catches
- Trader is "from" $199, so larger histories can cost more.
- Above 10,000 transactions you need a Pro plan and top-ups.
CoinTracker
Pros
- Every past year's forms included in one purchase.
- Spam, dust and (Prime and up) staking rewards don't count toward limits.
- 30-day refund if you haven't downloaded forms.
Cons
- Higher entry price ($59) and a big jump to Prime ($199).
- The free plan has no downloadable forms.
Catches
- Plans auto-renew each year unless you turn it off.
- Base excludes staking rewards only until they reach $25 in proceeds a year.
Who it's for, and who it isn't
Koinly fits people filing one year at a time who dislike subscriptions. CoinTracker fits people catching up on several years or with lots of staking rewards. Neither replaces a tax professional if your situation is complicated. Keep good records from your first purchase; see how to buy crypto safely and exchange fees compared, since fees can affect your cost basis.
General information, not tax advice. Ask a tax professional about your situation.
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FAQ
Is Koinly or CoinTracker cheaper?
For one recent year with few transactions, Koinly is cheaper ($49 vs $59). If you need several past years, CoinTracker includes them in one purchase.
Can I try crypto tax software free?
Yes. Both let you connect accounts and preview your tax summary before you pay.
Do they produce Form 8949?
Yes, both list Form 8949 and Schedule D.
Does CoinTracker renew automatically?
Yes. Plans renew each year at your current tier; you can turn off auto-renewal in subscription settings.
Do I pay Koinly again for each year?
Yes. Koinly plans are one-time payments per tax year, and it says it won't charge you automatically.
What counts as a transaction?
Koinly counts deposits, withdrawals and trades you add. CoinTracker counts the year you file and never counts spam or dust.
Can I get a refund?
Koinly: within 7 days if you haven't generated a report. CoinTracker: within 30 days if you haven't downloaded tax forms.
Which works with H&R Block?
CoinTracker lists H&R Block and TurboTax integrations. Koinly lists exports to TurboTax and TaxACT.
How we checked
On October 15, 2026 we re-read each official page listed under Sources and copied only the numbers and rules stated there. Worked examples are simple arithmetic on those published rates; where a fee is variable (spreads, admin fees, network fees), we say it shows on the order preview instead of guessing. Anything we could not confirm is left out or marked "Not published". We did not open accounts or place trades for this guide, and nothing here is investment advice.
Sources
- Koinly pricing: https://koinly.io/pricing/
- CoinTracker pricing: https://www.cointracker.io/pricing
Everything above comes from these official pages as of Oct 2026. Claims we couldn't confirm there are left out.