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Head-to-head · Tax Software

CoinTracker vs Waltio CoinTracker leads by 1 point.

CoinTracker scores 1 point above Waltio, led by cost-basis method and complex transactions. CoinTracker ranks #6 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.

CoinTracker76
Waltio75
Scores are out of 100; published scores fall within 41–99 · ranks #6 and #7 of 11
Methodology v2026.10.18Ranking snapshot Evidence verified through 4 published criteria5 score dimensions Receipt #cc-VS-COINTRACKER-VS-WALTIO-26781023
Published verdictRanking snapshot 3 November 2026

CoinTracker leads by 1 point

CoinTracker scores 1 point above Waltio, led by cost-basis method and complex transactions.

CoinTracker #6 of 1176
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 termCoinTracker leads on 2 of 4 published criteria; Waltio on 1. The terms sum to the gap.
TermCoinTrackerWaltioWeightPoints
Your tax form8/109/107.7−2.0for Waltio−1.0 of 32
Cost-basis method8/107/106.2+1.6for CoinTracker+0.8 of 32
Complex transactions8/107/105.3+1.4for CoinTracker+0.7 of 32
Net of the terms+1.0
Reproduced gap+1.0

Weight is in points of the 86-point weighted total. Points are score points of the gap between the two.

  • CoinTracker's lead rests on lighter criteria: Waltio is ahead on your tax form, which carries more weight (32) than any criterion CoinTracker leads on (26).
Quick facts

At a glance

2 of 3 rows read the same for both.
FactCoinTrackerWaltio
PricingSnapshothttps://www.cointracker.com/plans — fetched 29 September 2026; plain curl returns HTTP 403 (bot challenge), rendered in headless Chrome (HTTP 200). Cards: "Free" "$0" ("No tax filing"); "Base" "Starting at" "$59" "/year" ("2025 tax forms and all past years", "Up to 100 transactions per year"); "Prime" "Best value" "Starting at" "$199" "/year" ("Up to 1,000 transactions per year"); "Ultra" "Starting at" "$599" "/year" ("Change cost basis method by year", "Up to 10,000 transactions per year"); "Full Service" "Starting at" "$3499" "/year" ("Up to 300,000 transactions per year", "Up to 15 hours of hands-on support to manage CSVs, fix errors, and reconcile accounts for the current tax year"). Comparison table, columns Free | Base/Base+ | Prime/Prime+ | Ultra/Ultra+: "Yearly transaction limit for tax forms" "100 | 250", "1,000 | 2,500", "10,000 | 50,000"; "Lifetime transactions limit for tax forms" "200,000" on each paid tier; pricing row "$0 per year", "$59 / $99 per year", "$199 / $299 per year", "$599 / $1999 per year". Counting rules: "We only count transactions from your current tax year — not your entire history." | "File for any prior year at no extra cost — one plan covers all your past tax years." Purchase shape, from https://support.cointracker.com/hc/en-us/articles/4413049695249-CoinTracker-Personal-plan-pricing (rendered 29 September 2026): "CoinTracker subscriptions auto-renew annually on the original purchase date." and "CoinTracker offers a 100% money-back guarantee within 30 days of purchase, provided that no tax forms have been downloaded." https://www.cointracker.com/pricing is not the pricing page; /plans is. 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?

CoinTracker

76#6 of 11
Leads
Pick it when
Pick CoinTracker if cost-basis method matters most — it scores 8/10 to Waltio's 7/10 there (weight 26).
Strength
Named form output — 8/10
Tradeoff
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.'

Waltio

75#7 of 11
Pick it when
Pick Waltio if your tax form matters most — it scores 9/10 to CoinTracker'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?

CoinTrackerLeads

Choose CoinTracker if cost-basis method matters most

  • Cost-basis method: 8/10 against 7/10 for Waltio (weight 26)
  • Complex transactions: 8/10 against 7/10 for Waltio (weight 22)
Waltio

Choose Waltio if your tax form matters most

  • Your tax form: 9/10 against 8/10 for CoinTracker (weight 32)
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
CoinTracker8 out of 10
Waltio9 out of 10

Cost-basis method

by 1 of 10weight 6.2 of 86CoinTracker leads
CoinTracker8 out of 10
Waltio7 out of 10

Complex transactions

by 1 of 10weight 5.3 of 86CoinTracker leads
CoinTracker8 out of 10
Waltio7 out of 10

Record portability

weight 4.8 of 86Tie
CoinTracker4 out of 10
Waltio4 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
CoinTracker14/20Waltio14/20
Tie
Published criteriaweight 30 of 86
CoinTracker17.3/30Waltio16.9/30
CoinTracker leads
Frictionweight 10 of 86 · constant here
CoinTracker2.7/10Waltio2.7/10
Tie
Trust recordweight 8 of 86 · constant here
CoinTracker3.2/8Waltio3.2/8
Tie
Measured dataweight 18 of 86 · constant here
CoinTracker8.3/18Waltio8.3/18
Tie
Decision rulePublished order

Choose CoinTracker 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 CoinTracker'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% (CoinTracker 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% (CoinTracker 4/10, 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% (CoinTracker 8/10, 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% (CoinTracker 8/10, Waltio 7/10)
Every failure family that applies to this category is scored.
Questions

Frequently asked questions

CoinTracker scores 1 point above Waltio, led by cost-basis method and complex transactions. Published scores, out of 100: CoinTracker 76 (rank 6 of 11 tax software), Waltio 75 (rank 7 of 11).

Related pages

Go deeper

Trust & process
Individual reviews
Other comparisons
Written and reviewed by Founder
Reviewed Next review by Methodology v2026.10.18
How this page is reviewed

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.

Accountable for this review: Mathias Siemonsmeier, Founder.

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