Koinly Review (2026): Pricing, Supported Countries and Accuracy

Koinly is crypto tax and portfolio software that prices per tax year, not as a rolling subscription. As of November 2026, paid plans start at $49 for up to 100 transactions, a free tier imports up to 10,000 transactions but downloads no reports, and its help centre says it calculates taxes for over 100 countries, with specialised localised reports such as US IRS Form 8949 and Schedule D for a smaller set of countries. In late December 2025 Koinly told users that a third-party analytics vendor incident may have exposed some email addresses, while confirming no wallet, transaction or tax data was involved.

What is Koinly and who is it for?

Koinly is a crypto tax and portfolio tracker that imports your exchange and wallet history, calculates gains and losses, and turns them into filing-ready reports such as IRS Form 8949. It is aimed at anyone trading across more than one exchange or wallet who needs to reconcile activity for a tax return, and it suits multi-exchange users and self-filers most. It does not hold your crypto; this is a software review, not tax advice.

Koinly’s landing page says it produces crypto tax reports in under 20 minutes and that it handles DeFi, staking and NFT activity alongside ordinary spot trades. If you are new to the underlying rules, start with our guide to how crypto taxes work and the coin directory for the assets you hold.

How much does Koinly cost in 2026?

As of November 2026, Koinly prices per tax year with a one-time payment rather than a subscription: Newbie is $49 for up to 100 transactions, Hodler is $99 for up to 1,000, Trader is $199 for up to 3,000, and Pro covers up to 10,000, with extra capacity to purchase above that. Reviews put Pro around $279, while Koinly’s pricing page leaves it unpriced. You pay once per tax year.

Paid plans are one-time purchases per tax year and every tier includes unlimited wallets and exchange accounts (Koinly pricing page). The per-transaction cost falls as volume rises: on an illustrative 2,400-transaction year the $199 Trader plan works out to about $0.08 per transaction, while a 500-transaction year on the $99 Hodler plan is about $0.20 per transaction. You can upgrade by paying the difference if you cross a limit.

What does Koinly’s free plan include?

Koinly’s free plan is free forever, not a time-limited trial: you can connect unlimited wallets and exchanges, import up to 10,000 transactions, and preview gains and income summaries, but you cannot download any tax report. It doubles as a free portfolio tracker until you are ready to pay for a report.

Transaction limits count deposits, withdrawals and trades, and Koinly may group split exchange fills into single transactions and exclude most spam or dust rewards. If you exceed 10,000 transactions on the free plan, calculations halt until you upgrade or remove transactions (Koinly pricing page).

Which countries and tax forms does Koinly support?

Koinly’s help centre states that it calculates taxes for over 100 countries, and it produces specialised localised tax reports for a smaller set of countries, with US IRS Form 8949 and Schedule D the most consistently documented, plus export to TurboTax and TaxAct. A 2026 review lists the two dozen markets that get localised report formats, from the United States, Canada and Australia through the UK, Germany, France and Spain to Japan, South Korea and Singapore. These are pre-filled report formats for local rules, not tax advice.

US filers get the most documented output: Koinly’s own pricing page and third-party reviews both name Form 8949 and Schedule D, plus TurboTax and TaxAct export. The 2026 review’s country list covers the United States, Canada, Australia, New Zealand, the United Kingdom, Germany, Sweden, Denmark, Finland, Norway, the Netherlands, France, Spain, Italy, Austria, Liechtenstein, Poland, the Czech Republic, Estonia, Malta, Japan, South Korea and Singapore (Milk Road review). Koinly supports FIFO, LIFO and HIFO cost-basis methods, including adjusted-cost-base tracking for Canada (KuCoin review), so you can match the method your tax authority requires.

Which exchanges, wallets and blockchains does Koinly integrate with?

Koinly integrates with hundreds of exchanges, wallets and blockchains, including auto-sync for major chains such as Bitcoin, Ethereum and Solana, and CSV or API import for popular wallets like Ledger, Trezor, MetaMask and Trust Wallet (KuCoin review). The platform also ingests DeFi, staking and NFT activity.

Because connections are read-only, Koinly can import history but cannot place orders or move funds. Major venues it supports include Coinbase and Kraken, and it syncs popular wallets such as Ledger and MetaMask.

Is Koinly safe and how does it handle your data?

Koinly uses read-only exchange connections, so it can import history but cannot trade, withdraw or move your funds, and it does not hold custody of crypto or store private keys or seed phrases. The one caveat is December 2025, when Koinly said a third-party analytics provider (Mixpanel) may have exposed users’ email addresses and limited metadata, while no wallet information, transaction history, tax reports or portfolio data was shared.

Koinly encrypts API keys and wallet addresses before storing them, serves its site over TLS, and its security page claims SOC 2, ISO 27001 and GDPR compliance (Altcoin Investor). Read-only keys still expose your trade history and balances to the software (State of Surveillance). On 29 December 2025 it said it did not experience a data breach and had stopped using the analytics provider, but it did not disclose how many users were affected (Koinly feedback forum).

Because some email addresses may have leaked, treat any Koinly-branded email with caution and check the sender’s domain before clicking. Koinly only ever needs your public wallet address and read-only exchange keys, never your seed phrase: see how to store a seed phrase and whether it is safe to keep crypto on an exchange.

How accurate are Koinly’s reports?

Koinly’s reports are only as accurate as the data you feed them, and accuracy depends on complete imports and correct cost-basis settings. On Trustpilot it holds a 4.6 out of 5 rating, and the most common complaints are automated sync failures and missing transaction history from certain exchanges. You should reconcile balances yourself before filing.

A quick verification pass before you download a report: check every connected account shows the correct balance, resolve any missing-purchase-history warnings, confirm the cost-basis method (FIFO, LIFO or HIFO) matches your jurisdiction, and compare totals against exchange statements. Koinly is a calculator, not a guarantee, so a tax professional should review anything unusual.

What should users do now?

If you already use Koinly, the concrete steps are to import your history now and reconcile balances before any filing deadline, create exchange API keys with read-only permissions and revoke them after filing, and stay alert for phishing after the December 2025 email exposure. If you are new, the free tier lets you test the full import and preview before you pay anything.

1. Connect accounts with read-only API keys (no trade or withdrawal permission) or CSV files.
2. Reconcile each wallet and exchange balance against Koinly’s calculated totals.
3. Fix missing-purchase-history warnings before trusting any gain or loss figure.
4. Only pay for a plan when you are ready to download a report for a specific tax year.
5. Revoke exchange API keys and request data deletion after you have filed.

Crypto assets are volatile and this is not financial advice; for filing decisions, confirm the figures with a tax professional rather than relying on software output alone.