CoinLedger vs Waltio CoinLedger leads by 3 points.
CoinLedger scores 3 points above Waltio, led by complex transactions and record portability. CoinLedger ranks #3 and Waltio #7 of 11 published tax software. Every term of the gap is on the ledger below; the inputs are on the audit receipt.
CoinLedger78
vs
Waltio75
Scores are out of 100; published scores fall within 41–99 · ranks #3 and #7 of 11
CoinLedger scores 3 points above Waltio, led by complex transactions and record portability.
CoinLedger #3 of 1178
Waltio #7 of 1175
Scores are out of 100; published scores fall within 41–99; a bar is empty at 41 and full at 99.
Why, term by termCoinLedger leads on 2 of 4 published criteria; Waltio on 1. The terms sum to the gap.
TermCoinLedgerWaltioWeightPoints
Your tax form8/109/107.7−2.0for Waltio−1.0 of 32
Complex transactions8/107/105.3+1.4for CoinLedger+0.7 of 32
Record portability7/104/104.8+3.7for CoinLedger+1.9 of 32
Net of the terms+3.1
Reproduced gap+3.1
Published gapAfter score rounding and bounds — see the note below7875+3.0
Weight is in points of the 86-point weighted total. Points are score points of the gap between the two.
CoinLedger's lead rests on lighter criteria: Waltio is ahead on your tax form, which carries more weight (32) than any criterion CoinLedger leads on (22).
CoinLedgerScore 78Deepest US filing stack in the pool — per-wallet Form 8949 for TY2025, Schedule D, Schedule 1, a 1099-DA reconciliation dashboard and a named Rev. Proc. 2024-28 migration — but the non-US half is thinner than the marketing implies, and the Terms describe a monthly subscription that reserves deletion, contradicting the pricing page's "one-time purchase".Strength: Named form output — 8/10Watch-out: Three things, and the second is the one that costs money. (1) You buy on "Each tax report is a one-time purchase." (https://coinledger.io/pricing) and you contract on "Unless otherwise set forth on an applicable ordering document incorporating these Terms, the Services are billed in advance on a monthly basis and are non-refundable." plus "You shall retain access to such Paid Services from the time you cancel until the start of the next billing period, but you will not receive a refund or credit for any days remaining in your current billing period." and "Upon termination, CoinLedger reserves the right to delete all of your Content, data, and other information stored on CoinLedger’s servers." (https://coinledger.io/terms-conditions). Nothing in the Terms says a tax year you already paid for stays downloadable; section 3.3 goes further — "CoinLedger may also remove or delete your Content from the Services at any time in its sole discretion.". Export the Audit Trail and EOY Positions CSVs the day you file, because the audit trail "The Audit Trail is meant as a supplemental document for you or your tax professional's records. Once exported, it can't be uploaded or re-imported back into CoinLedger." (2) If you are a US user with a CoinLedger account opened before November 2025, your basis may not have migrated when you were told it had. https://help.coinledger.io/en/articles/10339065-how-can-i-download-a-snapshot-of-my-2025-cost-basis-reallocation-rev-proc-2024-28 (December 31, 2024) says "This reallocation process will happen automatically on Jan 1, 2025, and no further action is required by you to facilitate this process." while https://help.coinledger.io/en/articles/10309974-how-will-coinledger-support-new-per-wallet-cost-basis-tracking-rules-irs-rev-proc-2024-28 (December 18, 2025) says "If you are an existing user that used CoinLedger before 2026, you will need to opt-in to per wallet cost basis tracking to ensure that you are in compliance with the new IRS rules." Both are live on 2026-08-19. A user who read the first and did nothing spent all of tax year 2025 on universal basis, which by CoinLedger's own words "is no longer allowed to be used in the United States after Jan 1, 2025". (3) Non-US buyers should check the method before the form. Canada's own help page tells you to set the method by hand — "Be sure to also select Adjusted Cost Base (ACB) as your Report Calculation Method." — even though the methods page says the country selection governs; Germany is absent from the country-specific list entirely, so a German filer lands on the FIFO default, and https://coinledger.io/de sells "Built For Germany Tax Rules" while producing no German statutory form and using Australian phrasing ("We know that lodging your taxes can be stressful."). Anlage SO appears only in a blog guide as something you file yourself via Elster.WaltioScore 75The deepest named-form work in this category outside the US — Form 2086 and 3916-bis with boxes 8UU/3AN/3BN/3CN/5KU/5JG, Anlage SO with Zeile numbers and the ELSTER path, Italy's Quadro RT/RW and Spain's casilla 1804 — with the lot-matching rule enforced rather than offered as a picker in all five core markets; then it rents the record back, because the transaction export sits two tiers above the tier that produced the report, no new report can be generated once the calendar year ends, and a previous tax year can only be bought if you also hold an active subscription for the current one.Strength: Named form output — 9/10Watch-out: That the 39€ you paid buys a window, not a record — and all four sentences below were re-fetched and matched character-exact on 2026-08-19. Three served sentences compose into one trap: 'At the end of the subscription (end of calendar year), it is no longer possible to generate new reports.' (help.waltio.com/en/articles/4915779), 'To purchase access for a previous tax year, you must have an active subscription for the current year.' (.../5830168), and, on the transaction export, 'This feature is available only for Smart and Unlimited plans.' (.../6014877). So a Lite or Starter buyer who files, cancels, and is asked in 2028 to re-derive 2025 for an audit or an amended return cannot regenerate it, cannot buy 2025 on its own — they must first re-subscribe for whatever the then-current year is, then pay the 2025 tier fee on top, priced on 2025's own transaction count because 'each fiscal year is evaluated independently' (.../5444696) — and never had the raw transaction export at all, because that sits two tiers up at 249€. The article that looks like it should rescue the buyer does not: 'Obtaining a Tax Report for Previous Years' says 'If your subscription allows it, click "All documents" to download the tax documents for the selected year.' The Terms compound it: they are a 'seasonal subscription with automatic renewal' that says nothing about post-lapse access to a purchased year, and instead say 'The User must keep backups of their data.'
Quick facts
At a glance
2 of 3 rows read the same for both.
FactCoinLedgerWaltio
Entry planSnapshothttps://coinledger.io/pricing — fetched 29 September 2026, HTTP 200, plain curl. Header lines: "Each tax report is a one-time purchase." / "Reports available for any year — 2010-2025." / "14 Day Money Back Guarantee". Tier cards as served: "Portfolio Tracking" "$0"; "Hobbyist" "Download a tax report — up to 100 transactions!" "$49"; "Investor" "Download a tax report — up to 1,000 transactions!" "$99"; Pro "Download a tax report — up to 3,000+ transactions!" "$199+", with "If you exceed 3,000 txs, you can purchase additional transactions within the app." The feature block below the cards is still headed "Hobbyist, Advanced, Unlimited plans includes:" — a different set of tier names from the cards, both served on the same page. FAQ: "Our pricing tiers fluctuate based on the number of transactions made during a given tax season." | "CoinLedger supports an unlimited number of transactions. If you exceed the transaction count of our top plan, you can purchase additional transactions within the app." The contract contradicts the one-time framing: https://coinledger.io/terms-conditions (fetched 29 September 2026) says "Unless otherwise set forth on an applicable ordering document incorporating these Terms, the Services are billed in advance on a monthly basis and are non-refundable." Prices unchanged since 19 August 2026.https://www.waltio.com/pricing-2/ — fetched 29 September 2026, HTTP 200, plain curl (JSON-LD dateModified 2026-09-03T13:24:26+00:00). Header: "Your one-click tax return, at the right price." Five cards: Free "0€" "No credit card" ("Manual P&L", "Foreign accounts form"); Lite "39€" "per year" ("Up to 50 transactions", "Capital gains and losses report", "Tax certificate", "Documents export"); Starter "99€" "per year" ("Up to 1,000 transactions", "Step-by-step filing guide"); Smart "Popular" "249€" "per year" ("Up to 10,000 transactions"); Unlimited "999€" "per year" ("Unlimited transactions", "Repatriation of funds", "Tax audit document"). FAQ: "Pricing is calculated based only on transactions from the current tax year." | "However, you can also access tax reports for all previous years dating back to 2019. Since our pricing is based on the number of transactions per year, access to prior years is available for a fee." Billing rules from https://help.waltio.com/en/articles/5830168-billing-pricing-and-subscriptions (dateModified 24 September 2026, fetched 29 September 2026): "Each subscription covers a single tax year ." | "Automatic renewal takes place on October 1st of each year ." | "To purchase access for a previous tax year, you must have an active subscription for the current year." The transaction export (.xlsx) is limited to Smart and Unlimited (https://help.waltio.com/en/articles/6014877-exporting-your-transactions). Prices unchanged since 19 August 2026.
Asset coverageEditorial——
Region fitSnapshotglobalglobal
From the published criteria
Which should you pick?
CoinLedger
78#3 of 11
Leads
Pick it when
Pick CoinLedger if complex transactions matters most — it scores 8/10 to Waltio's 7/10 there (weight 22).
Strength
Named form output — 8/10
Tradeoff
Three things, and the second is the one that costs money. (1) You buy on "Each tax report is a one-time purchase." (https://coinledger.io/pricing) and you contract on "Unless otherwise set forth on an applicable ordering document incorporating these Terms, the Services are billed in advance on a monthly basis and are non-refundable." plus "You shall retain access to such Paid Services from the time you cancel until the start of the next billing period, but you will not receive a refund or credit for any days remaining in your current billing period." and "Upon termination, CoinLedger reserves the right to delete all of your Content, data, and other information stored on CoinLedger’s servers." (https://coinledger.io/terms-conditions). Nothing in the Terms says a tax year you already paid for stays downloadable; section 3.3 goes further — "CoinLedger may also remove or delete your Content from the Services at any time in its sole discretion.". Export the Audit Trail and EOY Positions CSVs the day you file, because the audit trail "The Audit Trail is meant as a supplemental document for you or your tax professional's records. Once exported, it can't be uploaded or re-imported back into CoinLedger." (2) If you are a US user with a CoinLedger account opened before November 2025, your basis may not have migrated when you were told it had. https://help.coinledger.io/en/articles/10339065-how-can-i-download-a-snapshot-of-my-2025-cost-basis-reallocation-rev-proc-2024-28 (December 31, 2024) says "This reallocation process will happen automatically on Jan 1, 2025, and no further action is required by you to facilitate this process." while https://help.coinledger.io/en/articles/10309974-how-will-coinledger-support-new-per-wallet-cost-basis-tracking-rules-irs-rev-proc-2024-28 (December 18, 2025) says "If you are an existing user that used CoinLedger before 2026, you will need to opt-in to per wallet cost basis tracking to ensure that you are in compliance with the new IRS rules." Both are live on 2026-08-19. A user who read the first and did nothing spent all of tax year 2025 on universal basis, which by CoinLedger's own words "is no longer allowed to be used in the United States after Jan 1, 2025". (3) Non-US buyers should check the method before the form. Canada's own help page tells you to set the method by hand — "Be sure to also select Adjusted Cost Base (ACB) as your Report Calculation Method." — even though the methods page says the country selection governs; Germany is absent from the country-specific list entirely, so a German filer lands on the FIFO default, and https://coinledger.io/de sells "Built For Germany Tax Rules" while producing no German statutory form and using Australian phrasing ("We know that lodging your taxes can be stressful."). Anlage SO appears only in a blog guide as something you file yourself via Elster.
Waltio
75#7 of 11
Pick it when
Pick Waltio if your tax form matters most — it scores 9/10 to CoinLedger's 8/10 there (weight 32).
Strength
Named form output — 9/10
Tradeoff
That the 39€ you paid buys a window, not a record — and all four sentences below were re-fetched and matched character-exact on 2026-08-19. Three served sentences compose into one trap: 'At the end of the subscription (end of calendar year), it is no longer possible to generate new reports.' (help.waltio.com/en/articles/4915779), 'To purchase access for a previous tax year, you must have an active subscription for the current year.' (.../5830168), and, on the transaction export, 'This feature is available only for Smart and Unlimited plans.' (.../6014877). So a Lite or Starter buyer who files, cancels, and is asked in 2028 to re-derive 2025 for an audit or an amended return cannot regenerate it, cannot buy 2025 on its own — they must first re-subscribe for whatever the then-current year is, then pay the 2025 tier fee on top, priced on 2025's own transaction count because 'each fiscal year is evaluated independently' (.../5444696) — and never had the raw transaction export at all, because that sits two tiers up at 249€. The article that looks like it should rescue the buyer does not: 'Obtaining a Tax Report for Previous Years' says 'If your subscription allows it, click "All documents" to download the tax documents for the selected year.' The Terms compound it: they are a 'seasonal subscription with automatic renewal' that says nothing about post-lapse access to a purchased year, and instead say 'The User must keep backups of their data.'
Self-identify in 10 seconds
Which one is actually for you?
CoinLedgerLeads
Choose CoinLedger if complex transactions matters most
Complex transactions: 8/10 against 7/10 for Waltio (weight 22)
Record portability: 7/10 against 4/10 for Waltio (weight 20)
CoinLedgerScore 78Deepest US filing stack in the pool — per-wallet Form 8949 for TY2025, Schedule D, Schedule 1, a 1099-DA reconciliation dashboard and a named Rev. Proc. 2024-28 migration — but the non-US half is thinner than the marketing implies, and the Terms describe a monthly subscription that reserves deletion, contradicting the pricing page's "one-time purchase".Strength: Named form output — 8/10Watch-out: Three things, and the second is the one that costs money. (1) You buy on "Each tax report is a one-time purchase." (https://coinledger.io/pricing) and you contract on "Unless otherwise set forth on an applicable ordering document incorporating these Terms, the Services are billed in advance on a monthly basis and are non-refundable." plus "You shall retain access to such Paid Services from the time you cancel until the start of the next billing period, but you will not receive a refund or credit for any days remaining in your current billing period." and "Upon termination, CoinLedger reserves the right to delete all of your Content, data, and other information stored on CoinLedger’s servers." (https://coinledger.io/terms-conditions). Nothing in the Terms says a tax year you already paid for stays downloadable; section 3.3 goes further — "CoinLedger may also remove or delete your Content from the Services at any time in its sole discretion.". Export the Audit Trail and EOY Positions CSVs the day you file, because the audit trail "The Audit Trail is meant as a supplemental document for you or your tax professional's records. Once exported, it can't be uploaded or re-imported back into CoinLedger." (2) If you are a US user with a CoinLedger account opened before November 2025, your basis may not have migrated when you were told it had. https://help.coinledger.io/en/articles/10339065-how-can-i-download-a-snapshot-of-my-2025-cost-basis-reallocation-rev-proc-2024-28 (December 31, 2024) says "This reallocation process will happen automatically on Jan 1, 2025, and no further action is required by you to facilitate this process." while https://help.coinledger.io/en/articles/10309974-how-will-coinledger-support-new-per-wallet-cost-basis-tracking-rules-irs-rev-proc-2024-28 (December 18, 2025) says "If you are an existing user that used CoinLedger before 2026, you will need to opt-in to per wallet cost basis tracking to ensure that you are in compliance with the new IRS rules." Both are live on 2026-08-19. A user who read the first and did nothing spent all of tax year 2025 on universal basis, which by CoinLedger's own words "is no longer allowed to be used in the United States after Jan 1, 2025". (3) Non-US buyers should check the method before the form. Canada's own help page tells you to set the method by hand — "Be sure to also select Adjusted Cost Base (ACB) as your Report Calculation Method." — even though the methods page says the country selection governs; Germany is absent from the country-specific list entirely, so a German filer lands on the FIFO default, and https://coinledger.io/de sells "Built For Germany Tax Rules" while producing no German statutory form and using Australian phrasing ("We know that lodging your taxes can be stressful."). Anlage SO appears only in a blog guide as something you file yourself via Elster.
Waltio
Choose Waltio if your tax form matters most
Your tax form: 9/10 against 8/10 for CoinLedger (weight 32)
WaltioScore 75The deepest named-form work in this category outside the US — Form 2086 and 3916-bis with boxes 8UU/3AN/3BN/3CN/5KU/5JG, Anlage SO with Zeile numbers and the ELSTER path, Italy's Quadro RT/RW and Spain's casilla 1804 — with the lot-matching rule enforced rather than offered as a picker in all five core markets; then it rents the record back, because the transaction export sits two tiers above the tier that produced the report, no new report can be generated once the calendar year ends, and a previous tax year can only be bought if you also hold an active subscription for the current one.Strength: Named form output — 9/10Watch-out: That the 39€ you paid buys a window, not a record — and all four sentences below were re-fetched and matched character-exact on 2026-08-19. Three served sentences compose into one trap: 'At the end of the subscription (end of calendar year), it is no longer possible to generate new reports.' (help.waltio.com/en/articles/4915779), 'To purchase access for a previous tax year, you must have an active subscription for the current year.' (.../5830168), and, on the transaction export, 'This feature is available only for Smart and Unlimited plans.' (.../6014877). So a Lite or Starter buyer who files, cancels, and is asked in 2028 to re-derive 2025 for an audit or an amended return cannot regenerate it, cannot buy 2025 on its own — they must first re-subscribe for whatever the then-current year is, then pay the 2025 tier fee on top, priced on 2025's own transaction count because 'each fiscal year is evaluated independently' (.../5444696) — and never had the raw transaction export at all, because that sits two tiers up at 249€. The article that looks like it should rescue the buyer does not: 'Obtaining a Tax Report for Previous Years' says 'If your subscription allows it, click "All documents" to download the tax documents for the selected year.' The Terms compound it: they are a 'seasonal subscription with automatic renewal' that says nothing about post-lapse access to a purchased year, and instead say 'The User must keep backups of their data.'
Criterion by criterion
Scorecard
Published criteria · weight in points of 868 of 8 cells scored. Strength is read from the evidence file; the weight is the published one. Methodology
Your tax form
by 1 of 10weight 7.7 of 86Waltio leads
CoinLedger8/10 out of 10
Waltio9/10 out of 10
Cost-basis method
weight 6.2 of 86Tie
CoinLedger7/10 out of 10
Waltio7/10 out of 10
Complex transactions
by 1 of 10weight 5.3 of 86CoinLedger leads
CoinLedger8/10 out of 10
Waltio7/10 out of 10
Record portability
by 3 of 10weight 4.8 of 86CoinLedger leads
CoinLedger7/10 out of 10
Waltio4/10 out of 10
Score dimensions
weights sum to 86
The published score is five dimensions, each weighted for the category. "Published criteria" is the criteria block above; the other four are the engine's own terms — availability, friction, trust record, measured data. Each bar is one side's points out of that dimension's maximum; the weight beside the name is its points of the 86-point weighted total. The published criteria above can fill 24 of the block’s 30. A weight marked “constant here” belongs to a dimension every ranked product in the category holds at the same value: it still counts in the total, and it orders nothing here.
Availabilityweight 20 of 86 · constant here
CoinLedger14/20Waltio14/20
Tie
Published criteriaweight 30 of 86
CoinLedger18.1/30Waltio16.9/30
CoinLedger leads
Frictionweight 10 of 86 · constant here
CoinLedger2.7/10Waltio2.7/10
Tie
Trust recordweight 8 of 86 · constant here
CoinLedger3.2/8Waltio3.2/8
Tie
Measured dataweight 18 of 86 · constant here
CoinLedger8.3/18Waltio8.3/18
Tie
Decision rulePublished order
Choose CoinLedger unless the term Waltio leads on is the one you are buying.
Pick Waltio if your tax form matters most — it scores 9/10 to CoinLedger's 8/10 there (weight 32).
The published order weighs every criterion the same way for everyone. To weigh them your way, run .
From the published order
Next best action
If this isn't your case
Other matchups worth comparing
How you can lose money here, and what the ranking scores
Regulatory failure: no licence where you are, or a forced market exit.
Scored by Which country's actual tax form comes out at the end — named, and for the year I am filing? · 32% (CoinLedger 8/10, Waltio 9/10)
Exit failure: you cannot get out at par, on time, or with what is yours.
Scored by Can my accountant take this without redoing it — and if I stop paying, does my per-lot basis still leave with me? · 20% (CoinLedger 7/10, Waltio 4/10)
Information failure: the number is wrong or bought, or your data leaks.
Scored by Which lot did it decide I sold, and does that method match what my tax authority actually requires? · 26% (CoinLedger 7/10, Waltio 7/10)
Scored by My history has DeFi, staking, NFTs, a rug and ten transfers between my own wallets — what does it do with each one? · 22% (CoinLedger 8/10, Waltio 7/10)
Every failure family that applies to this category is scored.
Questions
Frequently asked questions
CoinLedger scores 3 points above Waltio, led by complex transactions and record portability. Published scores, out of 100: CoinLedger 78 (rank 3 of 11 tax software), Waltio 75 (rank 7 of 11).
Reviewed means both products compared here was read against its sources on or after that date; every ranked category is re-read at least every 45 days. Models research, extract and parse. A deterministic engine ranks. Every quote passes an adversarial refute pass.
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