Published verdictRanking snapshot 3 November 2026
Summ (formerly Crypto Tax Calculator) leads by 1 point
Summ (formerly Crypto Tax Calculator) scores 1 point above CoinTracker, led by complex transactions.
SUSumm (formerly Crypto Tax Calculator) #5 of 1177
CECoinTracker #6 of 1176
Scores are out of 100; published scores fall within 41–99; a bar is empty at 41 and full at 99.Why, term by termSumm (formerly Crypto Tax Calculator) leads on 1 of 4 published criteria; CoinTracker on 0. The terms sum to the gap.
TermSumm (formerly Crypto Tax Calculator)CoinTrackerWeightPoints
Complex transactions9/108/105.3+1.4for Summ (formerly Crypto Tax Calculator)+0.7 of 32
Net of the terms+1.4
Criteria roundingThe criteria block is rounded to whole points before it is spread−0.1
Reproduced gap+1.3
Published gapAfter score rounding and bounds — see the note below7776+1.0
Weight is in points of the 86-point weighted total. Points are score points of the gap between the two.
Summ (formerly Crypto Tax Calculator)Score 77Produces real IRS Form 8949 / Schedule D / Schedule 1 PDFs autofilled with the filer's SSN, publishes a per-jurisdiction binding-method table with a documented Rev. Proc. 2024-28 migration, and documents all six awkward cases with product mechanisms — then rents the whole record back to you, because the terms grant access 'only for the duration that you continue to pay' and the only documented backup route itself requires an active subscription.Strength: Awkward case treatment — 9/10Watch-out: Three compounding surprises, all landing after the card is charged. (1) YOUR REPORTS ARE RENTED — THOUGH YOUR DATA IS NOT DELETED. Terms clause 5.2: "For recurring services, we grant you and your Authorised Users a right to access the relevant Services only for the duration that you continue to pay for the Service, subject to these Terms." The cancellation article is blunter: "Once your subscription expires, you will lose access to any paid features, including tax reports." Read the whole article, though, because the same page also says: "The data and integrations you have imported are retained and can still be reviewed on the Accounts and Transactions pages unless a refund is issued, which may result in their deletion." So the history stays visible; what dies is the ability to REGENERATE the filed report and to EXPORT anything. The documented escape hatch does not survive either: "Currently, the only way to back up your data in Summ (formerly Crypto Tax Calculator) is by exporting your Transaction report. This ensures you have a copy of your raw data outside the platform.", which requires an active subscription ("An active subscription is required to download reports for all years.") and whose nine columns carry no cost basis. Stop paying in year three and the 2025 return you already filed cannot be regenerated to defend an audit — even though you can still look at the transactions behind it. (2) AT $49 AND $99 YOU CANNOT CHANGE THE INVENTORY METHOD. The pricing page, fetched 2026-09-29, no longer names inventory methods by tier (the features that start at Investor ($249) are "Tax minimisation algorithm", "Tax loss harvesting", "Advanced reports" and "Audit report"), but the vendor's own pricing help article states the gate: "Additionally, tools like the Tax Loss Harvesting Tool, advanced inventory methods, and advanced reports are only available on Investor and Trader Plans." The US default is Highest In First Out, so a US filer on Rookie or Hobbyist is locked into HIFO — a method that materially changes the tax owed — and the fix costs $200 more rather than a settings click. (3) UK FILERS WITH DEFI FACE A ONE-WAY DOOR: "Please note that, currently, the Bridge and Swap categories are not supported if you choose HM Revenue and Customs as your inventory method. If you use other inventory methods (e.g., First In First Out or Average Cost), you can use these categories but will not be able to switch back to HM Revenue and Customs." The method that actually binds under UK law is unavailable to anyone who has bridged or swapped, and leaving it is irreversible. Worse, the escape is paywalled: "In Summ (formerly Crypto Tax Calculator), we provide three inventory methods if your country setting is the UK. The HM Revenue and Customs method is available for all paid subscriptions. We also provide the First In First Out and Average Cost inventory methods for users on the Investor and Trader plans." — so a UK filer on Rookie ($49) or Hobbyist ($99) has HMRC as their only method and therefore cannot use the Bridge or Swap categories at all. Lesser but real: the pricing page, fetched 2026-09-29, no longer lists smart contract transactions by tier, but the vendor's help centre puts them above the $49 tier: "Certain features, such as smart contract transactions, require a subscription to the Hobbyist Plan or higher."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.'