Koinly Review 2026: Pricing, Plans, and Features
Koinly is one of the leading crypto tax tools in 2026 — designed to make tax reporting easier for traders, investors, and DeFi users. It automates transaction importing, calculates capital gains/losses, and generates tax‑ready reports you can file or export.
💸 Pricing & Plans Overview (2026)
Koinly’s pricing is tiered based on the number of transactions you need to cover per tax year. You only pay when you generate downloadable tax reports, and you can start with a free plan to test the platform first.
🆓 Free Plan
- $0 cost
- Up to 10,000 imported transactions visible
- Unlimited wallets & exchanges
- View gains and tax summaries
- ❌ No downloadable tax reports
Ideal for testing imports and seeing initial gains before buying a plan.
🪙 Newbie — ~$49 per year
- Up to 100 transactions
- Full tax reports included
- Unlimited wallets/exchanges
- Portfolio tracking
Best for beginners or light traders.
🚀 Hodler — ~$99 per year
- Up to 1,000 transactions
- All Newbie features
- Good for moderate trading or diversified portfolios.
📊 Trader — ~$199 per year
- Covers 3,000+ transactions
- Full tax reports, integrations, and priority tools
Ideal if you trade a lot or engage in DeFi regularly.
🛠️ Pro & Custom Plans
- For users needing 10,000+ transactions
- Can buy extra transactions in packs of 1,000
- Useful for institutions or extremely active traders.
💳 Payment can be made with credit/debit cards or certain cryptocurrencies like BTC, ETH, and stablecoins.
📌 How Pricing Works (Key Points)
- Annual plans are for specific tax years (e.g., 2025, 2026). You buy plans only for years you need reports.
- Plans don’t auto‑renew — you won’t be charged automatically each year.
- Transaction limits count billable transactions; many small rewards/spam entries may be excluded.
- If needed, you can upgrade a plan later without losing previous purchase value.
🏆 Top Features in 2026
🔄 Massive Integration Support
Koinly connects with hundreds of exchanges, wallets, and blockchains, automatically syncing trades and transactions via APIs or CSV uploads, saving manual data entry.
📊 Comprehensive Tax Reports
Generate localized reports based on your region’s rules, including forms like IRS 8949 (US) and capital gains summaries for countries around the world.
📈 Portfolio Tracking
Even without a paid plan, you get:
✔ Combined portfolio view
✔ Real‑time gains/losses estimation
✔ DeFi and NFT activity visibility
🔍 Smart Transaction Matching
Koinly’s algorithm accurately matches internal transfers (e.g., wallet‑to‑wallet moves), helping avoid counting them as taxable events.
🧩 DeFi & NFT Support
It handles yield farming rewards, liquidity pool trades, staking income, and NFT buying/selling — all of which are increasingly important for crypto users.
📊 Pros (What Users Like)
✔ Free tier with generous transaction visibility before paying.
✔ Flexible pricing tailored to activity level.
✔ Wide exchange & DeFi coverage, reducing manual errors.
✔ Localized reports support many countries.
✔ Portfolio tracking included even on free plans.
⚠️ Cons (What to Consider)
❗ Tax reports require a paid plan — the free version won’t provide downloadable files.
❗ Transaction limits may push up costs if you trade often or have long histories.
❗ Complex DeFi • CSV imports sometimes need manual cleanup for accuracy.
❗ Some users report syncing quirks or errors when combining API + CSV imports (varies by platform).
📌 Final Verdict
For 2026, Koinly remains one of the most flexible and widely used crypto tax tools available. Its tiered pricing fits different investor types — from beginners to advanced traders — and its feature set handles modern crypto activity like DeFi and NFTs well. Starting with the free plan lets you preview your tax picture, then upgrade only when you’re ready to generate official reports.