Koinly scores 3 points above CoinLedger, led by cost-basis method and record portability. Koinly ranks #1 and CoinLedger #3 of 11 published tax software. Every term of the gap is on the ledger below; the inputs are on the audit receipt.
Koinly81
vs
CoinLedger78
Scores are out of 100; published scores fall within 41–99 · ranks #1 and #3 of 11
Koinly scores 3 points above CoinLedger, led by cost-basis method and record portability.
Koinly #1 of 1181
CoinLedger #3 of 1178
Scores are out of 100; published scores fall within 41–99; a bar is empty at 41 and full at 99.
Why, term by termKoinly leads on 2 of 4 published criteria; CoinLedger on 0. The terms sum to the gap.
TermKoinlyCoinLedgerWeightPoints
Cost-basis method8/107/106.2+1.6for Koinly+0.8 of 32
Record portability8/107/104.8+1.2for Koinly+0.6 of 32
Net of the terms+2.9
Reproduced gap+2.9
Published gapAfter score rounding and bounds — see the note below8178+3.0
Weight is in points of the 86-point weighted total. Points are score points of the gap between the two.
KoinlyScore 81Names ten statutory forms across ten jurisdictions and ships Sweden's K4 in Skatteverket SRU upload format, but has no German form on any served page, supports only one of Rev. Proc. 2024-28's two allocation methods by its own admission, charges a per-country add-on to file in two places, and puts its 10-year report-access promise in the help centre while the contract reserves the right to delete inactive accounts with no refund.Strength: Named form output — 8/10Watch-out: Two, and the first costs money before it costs time. US buyers: paying does not by itself produce a filled 8949. "USA-specific reports like Schedule D and form 8949 require the 1099-DA flow to be completed. Without the information if you received the 1099-DA form or not, some of the fields cannot be filled." and "If you didn't complete the 1099-DA flow and download reports, some of them will be empty (1kb PDFs)" (https://support.koinly.io/en/articles/13791356-usa-uploading-1099-da-forms-to-koinly, re-loaded 2026-08-19). Now read that against the contract: "Refunds are not possible once you have downloaded any reports and must be made within 7 days of purchase. The refund reason must be related to a bug/issue within Koinly that we are unable to resolve within reasonable time." (https://koinly.io/legal/terms/, reached from https://koinly.io/terms/, loaded 2026-08-19, "Revised on Jan 2, 2026"). Downloading the empty 1kb PDF is itself the act that extinguishes the refund. Second: German and Austrian buyers get NO statutory form. The pricing FAQ names Germany among countries with "specialised tax reports" (https://koinly.io/pricing/), but the help centre's Localized Tax Reports list has no German entry — Germany appears only as a report LANGUAGE, and the countries article routes German filers to the generic artefact ("Our Comprehensive Tax Report is suitable for anyone looking to declare taxes - no matter which country.", https://support.koinly.io/en/articles/9489962-which-countries-does-koinly-calculate-taxes-for). No Anlage SO, no ELSTER handoff, no Austrian E1/E1kv and no FinanzOnline appears on any page loaded. A German filer pays for a Complete Tax Report written in German and transcribes it. And anyone filing in two countries pays the "Dual nationality" add-on again for each extra country, each tax year. THIRD, added in verification: the help centre's "Each yearly plan is valid for 10 years from the date of purchase" has no counterpart in the contract, which reserves the right to terminate "without any prior notice" on grounds including "Any extended periods of inactivity;", to delete "any and all related information, files, and any such content that may be associated with or inside your account, or any part thereof;", and states "If your account is terminated by Us, you will not be entitled to any refund of any monies spent on Koinly." A buyer who pays for a tax year and comes back in year four is relying on a help article, not on a term.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.
Quick facts
At a glance
2 of 3 rows read the same for both.
FactKoinlyCoinLedger
Entry planSnapshothttps://koinly.io/pricing/ — fetched 29 September 2026; plain curl returns HTTP 403 (Cloudflare interstitial), the page was rendered in headless Chrome (HTTP 200). Header "Simple pricing". Four columns as rendered: FREE "Essential features" "$ 0" "free forever"; NEWBIE "Just getting started" "$ 49" "per tax year"; HODLER "Taking it easy" "$ 99" "per tax year"; TRADER "Hustling like a pro" "$ 199" "per tax year". USAGE row "Transactions": Free "10,000", Newbie "100", Hodler "1000", Trader "3000", with a "10,000+" selector; "Wallets & exchange accounts" "Unlimited" on all four. Under TAX REPORTS the rows "Form 8949, Schedule D", "International tax reports", "Comprehensive audit report" and "Export to TurboTax, TaxACT" are marked "-" on Free. FAQ: "You only need to purchase a plan to download your tax reports." | "You can generate and download unlimited number of reports for the tax year that your plan is valid for." | "If you exceed the limits of our top plan you can purchase additional transactions in the app. Koinly supports up to 100,000 transactions on regular accounts." No fifth price renders. The help article https://support.koinly.io/en/articles/9856841-tax-plans (rendered 29 September 2026, "June 23, 2026") names a fourth paid tier the pricing page does not price — "Pro" "Up to 10.000 transactions" — and the unpriced add-ons "Extra transactions", "Dual Nationality", "Daily Sync" and "Expert Review". Contract (https://koinly.io/legal/terms/, "Revised on Jan 2, 2026", rendered 29 September 2026): "Refunds are not possible once you have downloaded any reports and must be made within 7 days of purchase." Prices unchanged since 19 August 2026.https://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.
Asset coverageEditorial——
Region fitSnapshotglobalglobal
From the published criteria
Which should you pick?
Koinly
81#1 of 11
Leads
Pick it when
Pick Koinly if cost-basis method matters most — it scores 8/10 to CoinLedger's 7/10 there (weight 26).
Strength
Named form output — 8/10
Tradeoff
Two, and the first costs money before it costs time. US buyers: paying does not by itself produce a filled 8949. "USA-specific reports like Schedule D and form 8949 require the 1099-DA flow to be completed. Without the information if you received the 1099-DA form or not, some of the fields cannot be filled." and "If you didn't complete the 1099-DA flow and download reports, some of them will be empty (1kb PDFs)" (https://support.koinly.io/en/articles/13791356-usa-uploading-1099-da-forms-to-koinly, re-loaded 2026-08-19). Now read that against the contract: "Refunds are not possible once you have downloaded any reports and must be made within 7 days of purchase. The refund reason must be related to a bug/issue within Koinly that we are unable to resolve within reasonable time." (https://koinly.io/legal/terms/, reached from https://koinly.io/terms/, loaded 2026-08-19, "Revised on Jan 2, 2026"). Downloading the empty 1kb PDF is itself the act that extinguishes the refund. Second: German and Austrian buyers get NO statutory form. The pricing FAQ names Germany among countries with "specialised tax reports" (https://koinly.io/pricing/), but the help centre's Localized Tax Reports list has no German entry — Germany appears only as a report LANGUAGE, and the countries article routes German filers to the generic artefact ("Our Comprehensive Tax Report is suitable for anyone looking to declare taxes - no matter which country.", https://support.koinly.io/en/articles/9489962-which-countries-does-koinly-calculate-taxes-for). No Anlage SO, no ELSTER handoff, no Austrian E1/E1kv and no FinanzOnline appears on any page loaded. A German filer pays for a Complete Tax Report written in German and transcribes it. And anyone filing in two countries pays the "Dual nationality" add-on again for each extra country, each tax year. THIRD, added in verification: the help centre's "Each yearly plan is valid for 10 years from the date of purchase" has no counterpart in the contract, which reserves the right to terminate "without any prior notice" on grounds including "Any extended periods of inactivity;", to delete "any and all related information, files, and any such content that may be associated with or inside your account, or any part thereof;", and states "If your account is terminated by Us, you will not be entitled to any refund of any monies spent on Koinly." A buyer who pays for a tax year and comes back in year four is relying on a help article, not on a term.
CoinLedger
78#3 of 11
Pick it when
CoinLedger leads Koinly on no published criterion and no score dimension — pick it only if a fact outside the score (country, funding rail, custody) decides for you.
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.
Self-identify in 10 seconds
Which one is actually for you?
KoinlyLeads
Choose Koinly if cost-basis method matters most
Cost-basis method: 8/10 against 7/10 for CoinLedger (weight 26)
Record portability: 8/10 against 7/10 for CoinLedger (weight 20)
KoinlyScore 81Names ten statutory forms across ten jurisdictions and ships Sweden's K4 in Skatteverket SRU upload format, but has no German form on any served page, supports only one of Rev. Proc. 2024-28's two allocation methods by its own admission, charges a per-country add-on to file in two places, and puts its 10-year report-access promise in the help centre while the contract reserves the right to delete inactive accounts with no refund.Strength: Named form output — 8/10Watch-out: Two, and the first costs money before it costs time. US buyers: paying does not by itself produce a filled 8949. "USA-specific reports like Schedule D and form 8949 require the 1099-DA flow to be completed. Without the information if you received the 1099-DA form or not, some of the fields cannot be filled." and "If you didn't complete the 1099-DA flow and download reports, some of them will be empty (1kb PDFs)" (https://support.koinly.io/en/articles/13791356-usa-uploading-1099-da-forms-to-koinly, re-loaded 2026-08-19). Now read that against the contract: "Refunds are not possible once you have downloaded any reports and must be made within 7 days of purchase. The refund reason must be related to a bug/issue within Koinly that we are unable to resolve within reasonable time." (https://koinly.io/legal/terms/, reached from https://koinly.io/terms/, loaded 2026-08-19, "Revised on Jan 2, 2026"). Downloading the empty 1kb PDF is itself the act that extinguishes the refund. Second: German and Austrian buyers get NO statutory form. The pricing FAQ names Germany among countries with "specialised tax reports" (https://koinly.io/pricing/), but the help centre's Localized Tax Reports list has no German entry — Germany appears only as a report LANGUAGE, and the countries article routes German filers to the generic artefact ("Our Comprehensive Tax Report is suitable for anyone looking to declare taxes - no matter which country.", https://support.koinly.io/en/articles/9489962-which-countries-does-koinly-calculate-taxes-for). No Anlage SO, no ELSTER handoff, no Austrian E1/E1kv and no FinanzOnline appears on any page loaded. A German filer pays for a Complete Tax Report written in German and transcribes it. And anyone filing in two countries pays the "Dual nationality" add-on again for each extra country, each tax year. THIRD, added in verification: the help centre's "Each yearly plan is valid for 10 years from the date of purchase" has no counterpart in the contract, which reserves the right to terminate "without any prior notice" on grounds including "Any extended periods of inactivity;", to delete "any and all related information, files, and any such content that may be associated with or inside your account, or any part thereof;", and states "If your account is terminated by Us, you will not be entitled to any refund of any monies spent on Koinly." A buyer who pays for a tax year and comes back in year four is relying on a help article, not on a term.
CoinLedger
CoinLedger leads Koinly on no published criterion
Choose it only if something outside the published criteria decides for you — your country, a funding rail, or custody.
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.
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
weight 7.7 of 86Tie
Koinly8/10 out of 10
CoinLedger8/10 out of 10
Cost-basis method
by 1 of 10weight 6.2 of 86Koinly leads
Koinly8/10 out of 10
CoinLedger7/10 out of 10
Complex transactions
weight 5.3 of 86Tie
Koinly8/10 out of 10
CoinLedger8/10 out of 10
Record portability
by 1 of 10weight 4.8 of 86Koinly leads
Koinly8/10 out of 10
CoinLedger7/10 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
Koinly14/20CoinLedger14/20
Tie
Published criteriaweight 30 of 86
Koinly19.2/30CoinLedger18.1/30
Koinly leads
Frictionweight 10 of 86 · constant here
Koinly2.7/10CoinLedger2.7/10
Tie
Trust recordweight 8 of 86 · constant here
Koinly3.2/8CoinLedger3.2/8
Tie
Measured dataweight 18 of 86 · constant here
Koinly8.3/18CoinLedger8.3/18
Tie
Decision rulePublished order
Choose Koinly unless the term CoinLedger leads on is the one you are buying.
CoinLedger leads Koinly on no published criterion and no score dimension — pick it only if a fact outside the score (country, funding rail, custody) decides for you.
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% (Koinly 8/10, CoinLedger 8/10)
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% (Koinly 8/10, CoinLedger 7/10)
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% (Koinly 8/10, CoinLedger 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% (Koinly 8/10, CoinLedger 8/10)
Every failure family that applies to this category is scored.
Questions
Frequently asked questions
Koinly scores 3 points above CoinLedger, led by cost-basis method and record portability. Published scores, out of 100: Koinly 81 (rank 1 of 11 tax software), CoinLedger 78 (rank 3 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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Koinly #1 of 1181
CoinLedger #3 of 1178