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 and CoinLedger both charge $49 per tax year for 100 transactions and $99 for 1,000, as one-time payments. CoinTracker costs $59/year for 100 transactions but one purchase covers every past year's forms, and auto-renews. CoinLedger lists the most tax-software imports and a published $499 cap at 10,000+ transactions, but its refund is only for verified software problems. All three let you preview your gains 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 | CoinLedger | |
|---|---|---|---|
| Free plan | Yes; all features up to 10,000 transactions, pay for the report | Yes; tax summary and portfolio value, no forms | Yes; import everything, see net gains/losses and portfolio; pay to download the report |
| 100 transactions | Newbie $49/tax year | Base $59/year | Hobbyist $49/tax year |
| 250 transactions | Not published (next tier is Hodler) | Base+ $99/year | Not published (next tier is Investor) |
| 1,000 transactions | Hodler $99/tax year | Prime $199/year | Investor $99/tax year |
| 2,500 transactions | Not published (next tier is Trader) | Prime+ $299/year | Not published (next tier is Pro) |
| 3,000+ / 10,000 | Trader from $199/tax year | Ultra $599/year (10,000) | Pro $199+/tax year (3,000); Unlimited $499 at 10,000+; tiers in between Not published as text |
| Billing | One-time per tax year, no automatic charge | Annual, auto-renews (can turn off) | One-time per tax year |
| Past years | Pay per tax year needed | Every past year's forms included | Separate purchase per year (reports for 2010–2025); 15% off 2018-and-earlier reports |
| 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 | Buys, sells, trades, fees, income, payments, gifts and transfers count; deposits/withdrawals between your own wallets don't; up to $25 worth of staking/interest micro-transactions deducted |
| Form 8949 / Schedule D | Yes | Yes (paid plans) | Form 8949, plus income, capital gains and audit trail reports; Schedule D Not published |
| Tax software | Export to TurboTax, TaxACT | TurboTax and H&R Block integrations | TurboTax Online and Desktop, TaxACT, H&R Block Desktop, TaxSlayer |
| Refund | 7 days if no report generated | 30 days if no forms downloaded | 14 days, no report downloaded, and only for a verified bug or product limitation (no change-of-mind refunds) |
Last verified Oct 2026 against official vendor pages.
Worked examples: what you'd actually pay
| Situation | Koinly | CoinTracker | CoinLedger |
|---|---|---|---|
| One tax year, about 100 transactions | $49 | $59 | $49 |
| One tax year, about 1,000 transactions | $99 | $199 | $99 |
| Catching up 3 years, about 100 transactions each | $147 (3 × $49, one per tax year) | $59 (past years' forms included) | $147 (3 × $49) |
| Catching up 3 years, about 1,000 each | $297 (3 × $99) | $199 | $297 (3 × $99) |
| Second year in a row, same activity | Pay again only if you buy that year | Plan renews automatically unless you turn it off | Pay again only if you buy that year |
| One tax year, about 12,000 transactions | Not published (Pro plan plus top-ups) | Not published (Ultra covers 10,000) | $499 (Unlimited) |
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 and CoinLedger tie and are cheaper than CoinTracker at both tiers above. For very large single years, CoinLedger is the only one of the three that publishes a flat top price. 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.
Scenario: a big trading year on CoinLedger
Say one year has 2,800 buys, sells and swaps, plus 400 moves between your own exchange account and wallet. CoinLedger doesn't bill deposits and withdrawals that are self-transfers, so if it matches those moves as self-transfers your count stays near 2,800 and Pro ($199) covers it. If your imports later push you past 3,000, CoinLedger says you pay the difference to the next tier; it can't downgrade you if you bought too high. Two things the pricing page doesn't spell out in text: the exact prices between 3,000 and 10,000 transactions, and how a "Transfer" (which it lists as billable) differs from a self-transfer deposit in your own data. Check the Usage and Plan indicator on the Tax Reports page before you pay.
Upgrades, 1099-DA and payment
- Upgrading: all three say you pay only the difference when you move up a plan. CoinLedger adds that it can't downgrade a tier after purchase.
- 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: all three let you regenerate reports for a year you've paid for after fixing data; CoinLedger says this is free as long as you stay within your tier's limit.
- Tax professionals: CoinLedger says it's free for tax pros; the client buys the report and invites them in.
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. CoinLedger's free use covers importing your full history, your net capital gains and losses, and portfolio tracking; you pay when you want to download and view the full report. So try more than one: Koinly's free tier lets you see more of the detail before paying, while CoinTracker's and CoinLedger's show 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.
CoinLedger
Pros
- Same $49 / $99 entry tiers as Koinly, paid once per tax year.
- Widest list of tax-software imports here: TurboTax Online and Desktop, TaxACT, H&R Block Desktop and TaxSlayer.
- Published $499 Unlimited price for 10,000+ transactions.
- Self-transfers between your own wallets don't count toward the limit.
Cons
- Each tax year is a separate purchase.
- Prices between 3,000 and 10,000 transactions aren't published as text on the pricing page.
Catches
- The pricing page says "money back if you're not satisfied", but the refund policy requires all three: within 14 days, no report downloaded, and a bug or limitation verified by support. Change of mind and missing-data warnings don't qualify.
- No downgrade if you buy a higher tier than you need.
- The micro-transaction deduction is capped at $25 worth, so heavy staking can still raise your tier.
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. CoinLedger fits people who file with TaxSlayer or H&R Block Desktop, very active traders who want a known top price ($499 at 10,000+), and anyone working with an accountant, since it's free for tax pros. It suits you less if you want an easy refund to try it out. None of them 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, CoinTracker or CoinLedger cheaper?
For one recent year, Koinly and CoinLedger both charge $49 for 100 transactions and $99 for 1,000; CoinTracker charges $59 and $199. If you need several past years, CoinTracker includes them in one purchase.
Can I try crypto tax software free?
Yes. All three let you connect accounts and preview your gains before you pay.
Do they produce Form 8949?
Yes. Koinly and CoinTracker list Form 8949 and Schedule D; CoinLedger lists Form 8949 plus income, capital gains and audit trail reports.
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. CoinLedger: within 14 days, only if you haven't downloaded a report and support verifies a bug or limitation stopped an accurate report; no change-of-mind refunds.
Which works with H&R Block?
CoinTracker lists H&R Block and TurboTax integrations. CoinLedger lists H&R Block Desktop, TurboTax, TaxACT and TaxSlayer. Koinly lists exports to TurboTax and TaxACT.
Does CoinLedger cover past years in one purchase?
No. CoinLedger says tax reports are separate purchases for each year. It sells reports for 2010–2025 and takes 15% off reports for 2018 and earlier.
What does CoinLedger charge for more than 10,000 transactions?
CoinLedger says all accounts with 10,000 or more transactions fall into its Unlimited tier at $499.
Do transfers between my own wallets count on CoinLedger?
No. CoinLedger doesn't bill deposits and withdrawals that are non-taxable self-transfers, or uncategorized transactions until you classify them.
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
- 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
Everything above comes from these official pages as of Oct 2026. Claims we couldn't confirm there are left out.