Koinly Review 2026: Pricing, Plans, & Tax Features
Cryptocurrency investors are under increasing pressure to report gains, losses, and income accurately for tax purposes. Koinly is one of the leading crypto tax tools designed to streamline this process — helping traders, investors, and tax professionals calculate liabilities and generate compliant reports. Here’s an up‑to‑date look at what Koinly offers in 2026 — including pricing, plans, features, pros, cons, and whether it’s worth it for your crypto taxes.
🧾 What Is Koinly?
Koinly is a crypto tax calculator and portfolio tracker that connects to exchanges, wallets, and blockchain platforms to import transaction data, categorize activity, calculate capital gains/losses, and generate ready‑to‑file tax reports for dozens of countries. It supports a wide range of assets — including DeFi, NFTs, staking, and margin trades — making it suitable for diverse crypto users.
💸 Pricing & Plans (2026)
Koinly offers a tiered pricing structure based mainly on the number of transactions you need to cover for a tax year. Plans are sold per tax year and do not auto‑renew (you only pay annually as needed).
📊 Plan Breakdown
| Plan | Transactions Covered | Price per Tax Year | Key Features |
|---|---|---|---|
| Free | Up to 10,000 (view only) | $0 | Unlimited wallets; tracking & gains preview; no tax report downloads |
| Newbie | Up to 100 | $49 | Tax reports (PDF/IRS forms); portfolio tracking; DeFi & margin trades |
| Hodler | Up to 1,000 | $99 | All Newbie features + increased volume + international tax reports |
| Trader | Up to 3,000‑10,000+ | ~$199+ | Best for frequent traders; priority support; tax optimization tools |
| Custom/Pro | 10,000+ | Contact sales | Large portfolios treated case‑by‑case |
| (Pricing approximate; subject to change by Koinly.) |
🔎 Notes on pricing:
- You can try Koinly for free before paying — import transactions and view your gains before committing.
- Plans are per tax year and valid indefinitely once purchased.
- Billable transaction counts may differ from the actual import count because Koinly optimizes grouping and filters out spam/dust.
🛠️ Key Features (2026 Review)
✅ Extensive Integrations
Koinly supports hundreds of exchanges and wallets, plus Web3 platforms and blockchains, allowing automated import via API or manual CSV uploads.
📈 Automated Tax Calculations
It calculates capital gains and losses using methods like FIFO, HIFO, LIFO, and average cost, and handles income events such as staking rewards, airdrops, and forks.
🧾 Localized Tax Reports
Koinly produces reports tailored for key jurisdictions, including the USA (IRS Form 8949 & Schedule D), UK HMRC, Canada CRA, AUATO, and more.
📊 Portfolio Tracking & Analytics
Users get dashboard insights into portfolio value, realized vs. unrealized gains, and performance metrics across wallets.
🔐 Tax Optimization Tools
Some plans include tools to identify tax loss harvesting opportunities to potentially reduce liabilities.
⭐ Pros & Highlights
👍 Easy to Use & Feature‑Rich
Koinly’s interface is clean and intuitive, making onboarding and tax report generation straightforward even for beginners.
👍 Broad Asset & Jurisdiction Support
Supports 20,000+ cryptocurrencies and tax reporting for 20+ countries.
👍 Strong Customer Feedback
Many users report streamlined tax preparation and helpful automation. Reviews on platforms like Trustpilot show generally positive sentiment.
👍 Free Plan Generosity
The free tier provides full transaction tracking and insights for up to 10,000 transactions — rare compared to many competitors.
⚠️ Cons & Considerations
👎 Paid for Reports Only
The free plan does not include downloadable tax reports, so you must upgrade to file taxes.
👎 Manual Fixes May Be Needed
For complex DeFi or cross‑chain activity, some manual review/editing may be required to ensure accuracy.
👎 Pricing for Heavy Traders
Users with very high transaction counts might find pricing on the upper tiers relatively costly compared to some competitors.
👎 Limited Smaller Jurisdictions
While major countries are covered, support for smaller tax regimes may be limited or basic.
📌 Who Is Koinly Best For?
✅ Casual investors who want a seamless way to estimate gains and file crypto taxes.
✅ Active traders with medium to large transaction histories (especially 1,000–10,000+).
✅ International users needing localized reports.
✅ Tax professionals managing multiple wallets or client portfolios.
Not ideal if you want a purely free tax reporting solution — since tax report downloads require a paid plan.
🧠 Final Verdict — 2026 Update
In 2026, Koinly remains one of the top crypto tax platforms available thanks to its wide integration support, intuitive UI, and extensive tax reporting options for global users. While it’s not perfect — particularly for complex DeFi trades or very large portfolios — its pricing tiers provide flexibility for newbies to seasoned traders alike.