Waltio scores 13 points above Ledgible, led by your tax form, cost-basis method, and complex transactions. Waltio ranks #7 and Ledgible #11 of 11 published tax software. Every term of the gap is on the ledger below; the inputs are on the audit receipt.
Waltio75
vs
LELedgible62
Scores are out of 100; published scores fall within 41–99 · ranks #7 and #11 of 11
Waltio scores 13 points above Ledgible, led by your tax form, cost-basis method, and complex transactions.
Waltio #7 of 1175
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 termWaltio leads on 3 of 4 published criteria; Ledgible on 1. The terms sum to the gap.
TermWaltioLedgibleWeightPoints
Your tax form9/105/107.7+8.0for Waltio+4.1 of 32
Cost-basis method7/104/106.2+4.9for Waltio+2.5 of 32
Complex transactions7/105/105.3+2.7for Waltio+1.4 of 32
Record portability4/106/104.8−2.5for Ledgible−1.3 of 32
Net of the terms+13.1
Criteria roundingThe criteria block is rounded to whole points before it is spread−0.1
Reproduced gap+13.0
Weight is in points of the 86-point weighted total. Points are score points of the gap between the two.
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.'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.
Quick facts
At a glance
2 of 3 rows read the same for both.
FactWaltioLedgible
Entry planSnapshothttps://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.https://ledgible.io/pricing/ — fetched 29 September 2026, HTTP 200, plain curl; text unchanged from 19 August 2026. The page publishes one price as text: tabs "Professional Tax" "(Starting at $49)" and "Enterprise Accounting" "(Custom Pricing)"; lead "Our tax platform has straightforward base pricing with clearly defined transaction tiers."; "Ledgible Crypto Tax Pro is free for Tax Professionals to use. Clients are charged directly on a per client basis." The tier ladder is served only inside two images (alt text "crypto tax tracking software"; ledgible.io/wp-content/uploads/2022/12/Group-5301.png and Group-5302.png, both re-downloaded 29 September 2026 and read visually, so not byte-verifiable): IMAGE-READ "Base Price" $49 "Tax-year reporting and up to 200 transactions"; IMAGE-READ "Usage-Based Incremental Pricing" $50 "200–1000 transactions" and $100 "Each set of 2500 transactions over 1000". Enterprise: no price, only cost drivers ("Account Users", "Exchange Connections", "Wallets", "Transaction Volume", "General Ledger Integrations") and two unpriced examples. The binding caps for the $49 buyer are in the help centre, https://support.ledgible.io/hc/en-us/articles/360058705432-Purchasing-Reports (read 29 September 2026 via the Zendesk API, updated 22 August 2024): "The basic package starts at $49 and includes up to 2 wallets and 1 exchange in their data sources with up to 200 transactions." Counting basis, https://support.ledgible.io/hc/en-us/articles/4405478844045-Intro-to-Ledgible-Products (updated_at 9 August 2026, unchanged): "Pricing for Ledgible Crypto Tax begins at $49 a tax year and increases based on the number of total transactions added to your Ledgible account" | "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)". Refunds, https://ledgible.io/terms-of-service.pdf/ ("Last Updated: December 20, 2019", fetched 29 September 2026): "MEMBERSHIP FEES WILL NOT BE REFUNDED, IN WHOLE OR IN PART, SUBJECT TO APPLICABLE LAW." Prices unchanged since 19 August 2026.
Asset coverageEditorial——
Region fitSnapshotglobalglobal
From the published criteria
Which should you pick?
Waltio
75#7 of 11
Leads
Pick it when
Pick Waltio if your tax form matters most — it scores 9/10 to Ledgible's 5/10 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.'
LE
Ledgible
62#11 of 11
Pick it when
Pick Ledgible if record portability matters most — it scores 6/10 to Waltio's 4/10 there (weight 20).
Strength
Portable record and prior year access — 6/10
Tradeoff
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.
Self-identify in 10 seconds
Which one is actually for you?
WaltioLeads
Choose Waltio if your tax form matters most
Your tax form: 9/10 against 5/10 for Ledgible (weight 32)
Cost-basis method: 7/10 against 4/10 for Ledgible (weight 26)
Complex transactions: 7/10 against 5/10 for Ledgible (weight 22)
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.'
LELedgible
Choose Ledgible if record portability matters most
Record portability: 6/10 against 4/10 for Waltio (weight 20)
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.
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 4 of 10weight 7.7 of 86Waltio leads
Waltio9/10 out of 10
Ledgible5/10 out of 10
Cost-basis method
by 3 of 10weight 6.2 of 86Waltio leads
Waltio7/10 out of 10
Ledgible4/10 out of 10
Complex transactions
by 2 of 10weight 5.3 of 86Waltio leads
Waltio7/10 out of 10
Ledgible5/10 out of 10
Record portability
by 2 of 10weight 4.8 of 86Ledgible leads
Waltio4/10 out of 10
Ledgible6/10 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
Waltio14/20Ledgible14/20
Tie
Published criteriaweight 30 of 86
Waltio16.9/30Ledgible11.9/30
Waltio leads
Frictionweight 10 of 86 · constant here
Waltio2.7/10Ledgible2.7/10
Tie
Trust recordweight 8 of 86 · constant here
Waltio3.2/8Ledgible3.2/8
Tie
Measured dataweight 18 of 86 · constant here
Waltio8.3/18Ledgible8.3/18
Tie
Decision rulePublished order
Choose Waltio unless the term Ledgible leads on is the one you are buying.
Pick Ledgible if record portability matters most — it scores 6/10 to Waltio's 4/10 there (weight 20).
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% (Waltio 9/10, Ledgible 5/10)
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% (Waltio 4/10, Ledgible 6/10)
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% (Waltio 7/10, Ledgible 4/10)
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% (Waltio 7/10, Ledgible 5/10)
Every failure family that applies to this category is scored.
Questions
Frequently asked questions
Waltio scores 13 points above Ledgible, led by your tax form, cost-basis method, and complex transactions. Published scores, out of 100: Waltio 75 (rank 7 of 11 tax software), Ledgible 62 (rank 11 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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