Published verdictRanking snapshot 3 November 2026
CoinTracker leads by 14 points
CoinTracker scores 14 points above Ledgible, led by your tax form, cost-basis method, and complex transactions.
CECoinTracker #6 of 1176
LELedgible #11 of 1162
Scores are out of 100; published scores fall within 41–99; a bar is empty at 41 and full at 99.Why, term by termCoinTracker leads on 3 of 4 published criteria; Ledgible on 1. The terms sum to the gap.
TermCoinTrackerLedgibleWeightPoints
Your tax form8/105/107.7+6.0for CoinTracker+3.1 of 32
Cost-basis method8/104/106.2+6.5for CoinTracker+3.3 of 32
Complex transactions8/105/105.3+4.1for CoinTracker+2.1 of 32
Record portability4/106/104.8−2.5for Ledgible−1.3 of 32
Net of the terms+14.1
Criteria roundingThe criteria block is rounded to whole points before it is spread−0.1
Reproduced gap+14.0
Weight is in points of the 86-point weighted total. Points are score points of the gap between the two.
CoinTrackerScore 76Names real statutory forms in four jurisdictions and runs the category's most complete Rev. Proc. 2024-28 and 1099-DA machinery, but it is an auto-renewing annual subscription whose own help centre says a lapsed plan puts the tax year you already paid for back behind the paywall.Strength: Named form output — 8/10Watch-out: UPHELD IN FULL, and better sourced than submitted. You cannot get your money back once you look at your data, and you cannot get your data back once you stop paying — both halves are in writing on served pages. The refund dies at the first download, including a plain transaction file: the Terms (https://cointracker.io/terms → https://www.cointracker.com/terms, 'Last updated: March 10, 2026') state 'Refunds are not possible once you have downloaded any of the tax forms or CSV files (including Transaction History CSV).', and the help centre states the operational consequence on https://support.cointracker.com/hc/en-us/articles/38104390028945-Available-reports-on-CoinTracker (updated 2026-08-14): 'Please note: Downloading a report counts as downloading a tax form for refund-eligibility purposes. Once you've downloaded any report, your CoinTracker plan is treated as used for the tax year.' So the 30-day 'money-back guarantee' survives only for a buyer who never opens the thing they bought. The other half: this is an auto-renewing ANNUAL SUBSCRIPTION, and on lapse (https://support.cointracker.com/hc/en-us/articles/46693057775761-How-to-cancel-auto-renewal-on-your-CoinTracker-plan, updated 2026-08-14) 'Once canceled, your plan remains active until the end of your current billing period. After that date, your account moves to the free subscription. Your CoinTracker account and data will not be deleted.' — while the plans page shows the Free tier labelled 'No tax filing' with an empty cell in the 'Download tax forms (8949, Schedule D and others)' row. CoinTracker states the consequence for an ALREADY-FILED year on https://support.cointracker.com/hc/en-us/articles/31572739238417-Switching-to-Per-Wallet-tracking-after-missing-IRS-Safe-Harbor (updated 2026-08-14): 'You may need to renew your subscription plan to access your tax reports for 2024.' NEW EVIDENCE this pass, which the submitted record did not have and which hardens the caveat: the vendor's own regional-deadline table (https://support.cointracker.com/hc/en-us/articles/38071402566417-Regional-tax-extension-deadlines-observed-by-CoinTracker) spells the renewal toll out per region — the UK row reads 'Renewal is required before downloading 2025 tax forms.' and the Australia row 'Renewal is required before downloading your 2025 tax forms.'. The reports carrying the IRS safe-harbour position under Rev. Proc. 2024-28 are explicitly not retained for you: 'CoinTracker cannot save these reports for you, it is your responsibility to make sure that you keep all reports provided to you indefinitely.' And the migration is irreversible in place: 'Important: After you select Migrate now, CoinTracker locks all your data prior to 2025. You won't be able to edit pre-2025 transactions or tax reports afterward.' — preceded by the warning 'Ensure there are no Review suggested transactions remaining. Once you've made the allocation, you cannot go back to fix any issues.' Secondary, worth knowing before filing: the default lot-matching method is HIFO, not FIFO — 'Note: CoinTracker defaults all wallets to HIFO, as it tends to lower the tax bill.' — a Specific-ID subset the same page says the product cannot perform at unit level, on a page that also states Specific ID may no longer be applied retroactively for 2025-onward US returns. Changing it per year is an Ultra-tier ($599) feature: 'Changing your cost basis method will apply to all years unless you have an Ultra plan, which will allow you to set a different method for each tax year.'LedgibleScore 62A US-only IRS Form 8949 generator (Verady, Inc.) whose consumer tier is alive and current for tax year 2025, but whose public site has pivoted to institutional 1099-DA reporting and whose tax help centre has gone dark on the one US rule that changed the answer — Rev. Proc. 2024-28 is not mentioned once in 277 knowledge-base articles, even though Ledgible's own institutional whitepaper explains it.Strength: Portable record and prior year access — 6/10Watch-out: The $49 is a lifetime-transaction toll, not a this-year toll, and the caps that decide your bill are published only inside a PNG. Ledgible's own words: "Pricing is based on the total number of transactions you've made from the beginning of your transaction history to the end of the current tax year date (rather than annual transactions)" (support.ledgible.io/hc/en-us/articles/4405478844045, updated 2026-08-09). A filer with eight years of history and four trades this year is priced on all eight years. The base tier is also far narrower than the pricing page admits — "The basic package starts at $49 and includes up to 2 wallets and 1 exchange in their data sources with up to 200 transactions." (article 360058705432); that 2-wallet and 1-exchange limit appears NOWHERE on ledgible.io/pricing/, whose own base-tier image says only 'Tax-year reporting and up to 200 transactions'. (The pricing page does print '2 wallets', but inside an Enterprise Accounting usage example, not as the $49 cap — do not read it as the consumer limit.) Second, the buyer arriving from the marketing site will find the automation isn't there: the FAQ says "Yes, the Ledgible Platform offers full support for DeFi and NFT trading." while the documentation says "NFT tracking isn’t done automatically on Ledgible, so tracking the activity will be best done manually.", DeFi auto-categorisation covers only Ethereum and Algorand, and "However, income cannot be automatically detected and therefore transactions that are to be taxed as such must be designated by the user." — so every staking reward, airdrop and fork is hand-labelled. Third, and most expensive to discover late: this is a US-only filing artefact whose US rulebook is stale. Rev. Proc. 2024-28 wallet-level basis allocation is not mentioned once in 277 knowledge-base articles — while Ledgible's institutional whitepaper explains the rule in detail, so the silence is in the consumer product, not in the company. The FIFO/LIFO/HIFO guidance still cites the superseded IRS Virtual Currency FAQ Q39-41, and the preparer instructions still assert crypto is 'not currently reported on 1099s' in the first Form 1099-DA season.