Summ (formerly Crypto Tax Calculator) vs Waltio Summ (formerly Crypto Tax Calculator) leads by 2 points.
Summ (formerly Crypto Tax Calculator) scores 2 points above Waltio, led by cost-basis method and complex transactions. Summ (formerly Crypto Tax Calculator) ranks #5 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.
SUSumm (formerly Crypto Tax Calculator)77
vs
Waltio75
Scores are out of 100; published scores fall within 41–99 · ranks #5 and #7 of 11
Cost-basis method8/107/106.2+1.6for Summ (formerly Crypto Tax Calculator)+0.8 of 32
Complex transactions9/107/105.3+2.7for Summ (formerly Crypto Tax Calculator)+1.4 of 32
Net of the terms+2.4
Reproduced gap+2.3
Published gapAfter score rounding and bounds — see the note below7775+2.0
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)'s lead rests on lighter criteria: Waltio is ahead on your tax form, which carries more weight (32) than any criterion Summ (formerly Crypto Tax Calculator) leads on (26).
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."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.
FactSumm (formerly Crypto Tax Calculator)Waltio
Entry planSnapshothttps://summ.com/pricing — fetched 29 September 2026. A desktop User-Agent gets HTTP 403 (also in headless Chrome); an iPhone-Safari User-Agent over HTTP/1.1 gets HTTP 200, and https://summ.com/pricing/personal serves the same page. No currency code is printed; prices render with a bare "$" beside a country selector. Header: "Pay the lowest tax and get the most accurate reports with Summ (formerly Crypto Tax Calculator)." Four plans, each labelled "Annual subscription.": "Rookie" "$ 49" "100" "Transactions"; "Hobbyist" "$ 99" "1,000" "Transactions"; "Investor" "$ 249" "10,000" "Transactions"; "Trader" "$ 499" "100,000" "Transactions", with a slider to "500,000". Every plan lists "Unlimited tax reports for all tax years", "Crypto and stocks coverage" and "Dividend tracking"; "Tax minimisation algorithm", "Tax loss harvesting", "Advanced reports" and "Audit report" start at Investor; "Trading stock report" is on Trader. Above the ladder: "We support up to one million transactions and offer custom solutions for high-volume traders." FAQ: "Our subscription pricing is per year not tax year, so with an annual subscription you can calculate your crypto taxes as far back as 2013." | "Summ has an annual subscription which covers all previous tax years." | "For access to reports, the tax loss harvest tool or chat and priority support, you will need to upgrade to the appropriate paid plan." This is a recurring annual subscription covering all years, not a per-tax-year purchase; access ends when the subscription ends (https://help.summ.com/en/articles/6294285-cancellation-policy, fetched 2026-09-29: "Once your subscription expires, you will lose access to any paid features, including tax reports.").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?
SU
Summ (formerly Crypto Tax Calculator)
77#5 of 11
Leads
Pick it when
Pick Summ (formerly Crypto Tax Calculator) if cost-basis method matters most — it scores 8/10 to Waltio's 7/10 there (weight 26).
Strength
Awkward case treatment — 9/10
Tradeoff
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."
Waltio
75#7 of 11
Pick it when
Pick Waltio if your tax form matters most — it scores 9/10 to Summ (formerly Crypto Tax Calculator)'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?
SUSumm (formerly Crypto Tax Calculator)Leads
Choose Summ (formerly Crypto Tax Calculator) if cost-basis method matters most
Cost-basis method: 8/10 against 7/10 for Waltio (weight 26)
Complex transactions: 9/10 against 7/10 for Waltio (weight 22)
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."
Waltio
Choose Waltio if your tax form matters most
Your tax form: 9/10 against 8/10 for Summ (formerly Crypto Tax Calculator) (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
Summ (formerly Crypto Tax Calculator)8/10 out of 10
Waltio9/10 out of 10
Cost-basis method
by 1 of 10weight 6.2 of 86Summ (formerly Crypto Tax Calculator) leads
Summ (formerly Crypto Tax Calculator)8/10 out of 10
Waltio7/10 out of 10
Complex transactions
by 2 of 10weight 5.3 of 86Summ (formerly Crypto Tax Calculator) leads
Summ (formerly Crypto Tax Calculator)9/10 out of 10
Waltio7/10 out of 10
Record portability
weight 4.8 of 86Tie
Summ (formerly Crypto Tax Calculator)4/10 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.
Choose Summ (formerly Crypto Tax Calculator) 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 Summ (formerly Crypto Tax Calculator)'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% (Summ (formerly Crypto Tax Calculator) 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% (Summ (formerly Crypto Tax Calculator) 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% (Summ (formerly Crypto Tax Calculator) 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% (Summ (formerly Crypto Tax Calculator) 9/10, Waltio 7/10)
Every failure family that applies to this category is scored.
Questions
Frequently asked questions
Summ (formerly Crypto Tax Calculator) scores 2 points above Waltio, led by cost-basis method and complex transactions. Published scores, out of 100: Summ (formerly Crypto Tax Calculator) 77 (rank 5 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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