Koinly vs CoinLedger (2026)

By the CryptoToolPicker editorial team · Last checked October 17, 2026 · Fact-check log

Disclosure: links to providers on this page may be or become affiliate links. If you sign up through one, we may earn a commission at no extra cost to you. It never changes our picks. Affiliate disclosure

Prices and rules as of October 17, 2026 Checked against official pages on October 17, 2026. Prices and rules change; always confirm on the provider's own page before you pay.

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.

Side by side (as of October 17, 2026)

Checked October 17, 2026 against the official pages listed under Sources.

Where the bill actually differs

Because the headline prices match, the counting rules decide who is cheaper for you. Four common cases, using each company's published rules:

1. The weekly recurring buyer

You fund a $25 weekly buy from your bank (52 deposits, 52 buys) and move coins to your own wallet once a quarter (4 withdrawals and 4 matching deposits). By Koinly's definition that is 52 + 52 + 8 = 112 raw transactions, just over Newbie's 100, so $99 unless its grouping brings it under 100. CoinLedger bills the 52 buys (plus any fees it imports as separate entries) and not the self-transfers or bank deposits, so about 52 and $49. Likely difference: $0 to $50. Preview both, because Koinly's grouping is not published in detail.

2. The heavy staker

You place 300 trades and receive 2,000 small staking rewards worth $400 in total. Koinly counts reward deposits as transactions: about 2,300, so Trader, from $199. CoinLedger counts staking income too but deducts up to $25 worth: roughly 125 rewards at $0.20 each, leaving about 2,175, which is above Investor's 1,000 limit and inside Pro, $199+. Likely difference: small. Both end up near $199; CoinLedger's deduction barely helps at that size.

3. The high-volume trader

12,000 trades in a year. CoinLedger: $499, published. Koinly: a Pro plan plus top-ups of 1,000 transactions at a time, with no published price. You can only compare by opening Koinly's checkout.

4. Catching up on old years

Three years at about 100 transactions each: 2018, 2019 and 2020. Koinly: 3 × $49 = $147. CoinLedger: $41.65 (2018 at 15% off) + $49 + $49 = $139.65. Difference: $7.35, in CoinLedger's favor, assuming Koinly covers those years (it publishes per-tax-year pricing but not a year range).

Refunds: decide before you click "generate"

This is the biggest practical difference. Koinly offers a no-questions refund within 7 days, but only if you haven't generated a report. CoinLedger allows 14 days and doesn't care whether you generated a report, only whether you downloaded one, yet it refunds only when support verifies a bug or limitation, never for change of mind. Either way, the safe habit is the same: get your data clean in the free tier, check the count, and pay only when you are ready to file.

Tax software: match the tool to how you file

• TurboTax Online: both export a PDF made for its upload screen, and both say to choose "Enter a different way" and Upload. Both also warn that TurboTax can misread fields, so check after importing.
• TurboTax Desktop: both say its TXF import can't carry the new digital asset boxes on Form 8949, and both suggest importing through TurboTax Online first.
• H&R Block: CoinLedger lists a direct H&R Block Desktop import. Koinly has no special export, so you copy figures from its IRS report.
• TaxSlayer: listed by CoinLedger. Not listed by Koinly on the pages we checked.
• FreeTaxUSA: listed on Koinly's home page. Not listed by name on CoinLedger's pricing page.
• An accountant: both produce Form 8949, Schedule D and an audit report; CoinLedger is free for the professional, who is invited by the client.

Test both in an hour, free

1. Download a full CSV history from each exchange you used, and list every wallet address you own.
2. Import the same data into both free tiers.
3. In each, fix transfers that show as sales, and clear missing cost basis warnings.
4. Compare the transaction count each shows against its tiers. That number, not the headline price, sets your bill.
5. Compare the net gain or loss each calculates. If they differ a lot, the gap usually points to missing or misclassified data, so find the cause before you pay either.
6. Check which one exports to the tax software you actually use.
7. Only then buy one report, for one tax year.

Pros, cons and catches

Koinly

Pros

• Easier, no-questions refund (if no report has been generated).
• More cost-basis options, including wallet-based Spec ID.
• Accepts crypto as payment.

Cons

• Counts deposits and withdrawals, so frequent small activity costs more.
• No published price above 10,000 transactions.

Catches

• Generating a report ends refund eligibility.
• No H&R Block export.

CoinLedger

Pros

• Self-transfers never billed; clear billable list.
• Published $499 ceiling.
• More direct tax-software imports, and a detailed 1099-DA comparison.

Cons

• Refunds only for verified bugs.
• No downgrades.

Catches

• Pricing table and help center describe micro-transactions differently.
• Prices between 3,000 and 10,000 are not published as text.

Who should pick which

Lean toward Koinly if you want a real refund safety net, use TurboTax Online or FreeTaxUSA, or want to pay in crypto. Lean toward CoinLedger if you move coins between your own wallets often, trade at high volume, file with H&R Block Desktop or TaxSlayer, or work with an accountant. Neither replaces a tax professional for unusual situations. Full details: Koinly review, CoinLedger review, the three-way tax software comparison and Form 8949 for crypto.

Not tax advice. This is general, educational information about tools and IRS forms. Your situation may differ; ask a tax professional before you file.

Not sure? Take the 60-second quiz →

FAQ

Is Koinly or CoinLedger cheaper?

At 100 and 1,000 transactions they cost the same ($49 and $99 per tax year). The difference comes from counting: CoinLedger doesn't bill self-transfers, while Koinly counts deposits and withdrawals, so frequent wallet moves or recurring buys can put you in a higher Koinly tier.

Which has the better refund policy?

Koinly, for most people: 7 days, no questions asked, if you haven't generated a report. CoinLedger refunds within 14 days only for a verified bug or limitation and never for change of mind.

Which works with H&R Block?

CoinLedger lists a direct H&R Block Desktop import. Koinly has no special H&R Block export; you copy numbers from its IRS report.

What do they charge above 10,000 transactions?

CoinLedger charges $499 for its Unlimited tier. Koinly uses a Pro plan plus top-ups of 1,000 transactions, and doesn't publish the price.

Do both handle Form 1099-DA?

Yes. Koinly asks you to mark each wallet's 1099-DA status before generating reports; CoinLedger lets you upload each 1099-DA PDF and compares it sale by sale.

Can I try both for free?

Yes. Both let you import your history and see your gains or losses before paying, which is the best way to compare your real transaction count.

How we checked

On October 17, 2026 we read the pricing pages and help center articles listed under Sources for both companies and compared only what each publishes. The scenarios use made-up but realistic activity and simple arithmetic on each company's own counting rules; real counts depend on how your imports are grouped and classified, so treat them as estimates and preview your own data. Anything a company doesn't publish is marked "Not published". Nothing here is tax advice.

Sources

• Koinly pricing: https://koinly.io/pricing/
• Koinly home page (features, 1099-DA and integrations): https://koinly.io/
• Koinly Help Center: Filing using TurboTax: https://support.koinly.io/en/articles/10586971-filing-using-turbotax
• Koinly Help Center: How to use Koinly with TurboTax, TaxAct, etc.: https://support.koinly.io/en/articles/9490081-how-to-use-koinly-with-turbotax-taxact-etc
• CoinLedger pricing: https://coinledger.io/pricing
• CoinLedger: Pricing, your questions answered: https://help.coinledger.io/en/articles/5915548-pricing-your-questions-answered
• CoinLedger refund policy: https://help.coinledger.io/en/articles/7039157-what-is-the-refund-policy
• CoinLedger Help Center: How to use the 1099-DA Dashboard: https://help.coinledger.io/en/articles/14821101-how-to-use-the-1099-da-dashboard
• CoinLedger Help Center: Upload your tax report, TurboTax Online: https://help.coinledger.io/en/articles/2671099-upload-your-tax-report-turbotax-online

Everything above comes from these official pages as of October 17, 2026. Claims we couldn't confirm there are left out or marked "Not published".

More guides