Koinly Pricing Explained (2026): Plans, Limits & Which One You Actually Need
Affiliate Disclosure: This article contains affiliate links. If you sign up for Koinly through a link on this page, I may earn a commission at no extra cost to you. I only recommend tools I have researched and believe are worth your time.
Tax Disclaimer: This article is for informational purposes only and does not constitute professional tax or financial advice. Consult a qualified tax professional for advice specific to your situation.
Koinly pricing works differently from most software subscriptions, and that difference catches a lot of investors off guard. You’re not buying an annual plan that renews automatically. You’re buying a report for a specific tax year — and your transaction volume for that year determines which plan you need. Get this wrong and you either overpay for capacity you don’t use, or underpay and discover you can’t generate your report when it matters.
After thirty years in finance, I’ve seen the same pattern repeatedly: investors focus on the headline price — $49, $99, $199 — without understanding what actually determines which tier applies to them. This guide breaks down Koinly pricing in plain terms, explains how the transaction counting works, and gives you a clear framework for choosing the right plan without overpaying.
If you want to check your transaction count before deciding, you can do that on Koinly’s free plan at no cost: try Koinly free here.
How Koinly Pricing Works
Koinly charges per tax year, not per calendar year or as an ongoing subscription. When you purchase a plan, you’re paying for the ability to generate tax reports for one specific tax year. That plan remains valid for ten years from the date of purchase, meaning you can return at any point within that window to download your reports again.
The tier you need is determined by your transaction count — the number of deposits, withdrawals, and trades recorded across all your connected wallets and exchanges for that tax year. Each plan has a transaction ceiling. Exceed it and you need to upgrade before Koinly will generate your report.
One important nuance that most pricing guides skip: Koinly’s transaction count is cumulative across all tax years in your account, not just the current one. If you’re importing several years of history simultaneously, your total transaction count reflects all of it. This matters when deciding which plan to purchase — your 2025 activity alone might fall within the Newbie plan’s 100-transaction limit, but three years of combined history might push you into Hodler or Trader territory.
When upgrading between plans mid-year, you pay only the price difference. There’s no penalty for starting lower and moving up once you know your actual transaction volume.
Koinly Pricing Plans: Full Breakdown
Always verify current pricing directly on Koinly’s prcing page, as figures may be updated.
| Plan | Price (per tax year) | Transaction Limit | Tax Reports | Support |
|---|---|---|---|---|
| Free | $0 | 10,000 (preview only) | No download | Help centre only |
| Newbie | $49 | 100 | Full reports + Form 8949 | Help centre only |
| Hodler | $99 | 1,000 | Full reports + audit trail | Help centre only |
| Trader | $199 | 3,000 | Full reports + audit trail | Email support |
| Pro | $279 | 10,000+ | Full reports + audit trail | Priority support |
Free Plan — $0
The free plan is a permanent tier, not a trial. It gives you unlimited wallet and exchange connections, portfolio tracking, a capital gains preview, tax optimizer, DeFi and NFT support, and all major cost basis methods including FIFO, LIFO, and Average Cost. Up to 10,000 transactions can be imported and calculated.
The single restriction: you cannot download any tax reports. Everything Koinly calculates is visible on screen — your gains, losses, income, liability estimate — but producing a document you can actually file requires a paid plan.
The practical use case for the free plan is twofold: testing whether Koinly handles your specific exchanges and transaction types correctly before paying anything, and using the capital gains preview throughout the year for tax planning purposes. Both are legitimate uses that don’t require spending a cent.
For a full breakdown of everything the free tier includes and excludes, see our dedicated Koinly free plan guide.
Newbie Plan — $49 per Tax Year
The Newbie plan covers up to 100 transactions and unlocks full tax report downloads. This includes IRS Form 8949, Schedule D, international tax reports for over 100 countries, TurboTax and TaxACT export files, and a comprehensive audit trail report.
At $49 it’s the most affordable entry point into Koinly’s reporting layer — but the 100-transaction limit is tighter than it sounds. Anyone who traded more than a handful of times, used DeFi protocols, or received staking rewards regularly will likely exceed this ceiling. Before purchasing, check your transaction count in the Koinly dashboard.
Who the Newbie Plan Is Right For
The Newbie plan is genuinely suitable for buy-and-hold investors who made fewer than 100 trades in the tax year — someone who bought Bitcoin or Ethereum on one or two exchanges, held it, and perhaps sold a portion once or twice. If that describes your 2025 activity, the Newbie plan covers everything you need at the lowest possible price.
It is not suitable for anyone using DeFi protocols regularly, running multiple staking positions, or trading actively across several exchanges. Those activities generate transaction counts that exceed 100 very quickly.
Hodler Plan — $99 per Tax Year
The Hodler plan covers up to 1,000 transactions and includes everything in the Newbie plan. The jump from 100 to 1,000 transactions represents the most meaningful capacity increase in Koinly’s pricing structure — and at $99, it’s the plan that covers the largest proportion of active crypto investors.
For most investors who hold assets across two or three exchanges, make regular trades, and perhaps use one or two DeFi protocols, 1,000 transactions is sufficient headroom. It’s also the right plan for anyone importing multiple years of moderate activity simultaneously.
Who the Hodler Plan Is Right For
The Hodler plan is the default recommendation for active investors who aren’t day traders. If you trade weekly rather than daily, use a handful of exchanges, and have some DeFi or staking activity, 1,000 transactions should cover your annual volume comfortably. At $99 per tax year, it represents good value for the coverage it provides.
One practical note: support on the Hodler plan remains limited to Koinly’s help centre — there’s no email support until the Trader tier. If you anticipate needing assistance with complex import issues, factor that into your decision.
Trader Plan — $199 per Tax Year
The Trader plan covers up to 3,000 transactions and adds email support — the first plan tier where you have access to Koinly’s support team directly. Everything in the Hodler plan is included, with the transaction ceiling tripled.
At $199, the Trader plan is priced for investors whose activity genuinely warrants it — frequent traders, active DeFi users, or anyone running multiple yield strategies across several protocols. DeFi activity in particular generates high transaction counts: every swap, liquidity provision, yield claim, and bridge transfer creates individual transaction records. Investors who are active in DeFi often find themselves in Trader territory even if their overall portfolio isn’t especially large.
Who the Trader Plan Is Right For
The Trader plan makes sense if you trade daily or near-daily, run multiple DeFi positions across several protocols, or use automated strategies that generate high transaction volumes. The addition of email support at this tier is worth noting — complex DeFi portfolios regularly surface edge cases in transaction categorisation that benefit from direct support access.
Pro Plan — $279 per Tax Year
The Pro plan covers 10,000 or more transactions with priority support access. It’s designed for high-volume traders and crypto professionals — accountants managing multiple client portfolios, algorithmic traders running automated strategies, or investors with unusually complex DeFi histories spanning multiple chains and protocols.
For most individual investors, the Pro plan represents significant overkill. 10,000 transactions in a single tax year is a high threshold. If you’re approaching that volume, the Pro plan is the correct choice — but it’s worth reviewing your actual transaction count carefully before purchasing, since the Trader plan at $199 covers up to 3,000 transactions and suits the majority of active traders.
How Koinly Counts Transactions — and Why It Matters
Understanding how Koinly counts transactions is essential for choosing the right plan. The platform’s counting methodology is more investor-friendly than it might initially appear.
What Counts as a Transaction
Any deposit, withdrawal, or trade counts as a transaction. Internal transfers between your own wallets — moving Bitcoin from an exchange to a hardware wallet, for example — are identified by Koinly’s smart transfer matching as non-taxable events, but they still count toward your transaction total.
What Koinly Excludes From the Count
Koinly excludes spam tokens and most small dust reward transactions from your billable transaction count. Exchanges frequently send unsolicited tokens to wallet addresses — these are automatically filtered. Similarly, exchanges often split large orders into multiple smaller fills — Koinly groups these into a single transaction rather than counting each fill individually.
The practical result is that your Koinly transaction count is typically meaningfully lower than the raw number of activity records sitting in your exchange history. Investors who import data and assume the worst about their transaction count often discover they need a lower tier than expected.
DeFi and Transaction Count
DeFi activity is where transaction counts escalate most rapidly. A single yield farming session might involve approving a contract, depositing liquidity, receiving LP tokens, and claiming rewards — each of which generates a separate transaction record. Active DeFi users should check their transaction count carefully before assuming a lower-tier plan covers them. The Trader plan at 3,000 transactions is often the correct starting point for anyone running multiple DeFi positions.
What Every Paid Plan Includes
One of Koinly’s cleaner pricing decisions is that all paid plans include the full feature set. There’s no situation where a feature you need is locked to a higher tier while the transaction limit would otherwise be sufficient. The only meaningful differences between paid plans are the transaction ceiling and the support level.
Every paid plan includes:
- IRS Form 8949 and Schedule D
- International tax reports for 100+ countries
- Comprehensive audit trail report
- TurboTax and TaxACT export files
- Unlimited wallets and exchange connections
- Portfolio tracking and capital gains preview
- Tax optimizer
- DeFi, NFT, margin trades, and futures support
- FIFO, LIFO, Average Cost, and Spec ID cost basis methods
- Mining, staking, lending, and airdrop income tracking
- Smart transfer matching
- Accountant access (invite your accountant directly)
Support is the one differentiator across tiers: help centre only on Newbie and Hodler, email support on Trader, priority support on Pro.
Which Koinly Plan Do You Actually Need?
Here’s a straightforward framework based on investor profile:
Buy-and-hold investor, fewer than 100 trades per year
Start with the free plan, check your transaction count in the dashboard, then purchase the Newbie plan at $49 if your count is under 100. This is the most common scenario for long-term holders who made a small number of trades across one or two exchanges.
Active investor, multiple exchanges, some DeFi or staking
The Hodler plan at $99 is almost certainly the right choice. 1,000 transactions covers the vast majority of active investors who aren’t day trading or running complex automated strategies. Import your data, verify the count, and purchase accordingly.
Frequent trader or active DeFi user
Start with the free plan to import your data and check your actual transaction count before purchasing anything. DeFi activity generates higher counts than most investors expect. The Trader plan at $199 covering 3,000 transactions is a reasonable starting assumption, but verify before committing.
Importing multiple years of history
Import everything first, check the cumulative transaction count, then purchase the plan that covers your total. Do not purchase a plan based on a single year’s estimated activity if you’re importing several years simultaneously — the cumulative count is what determines your required tier.
Koinly Pricing vs Competitors
Context helps here. Koinly’s pricing sits in the middle of the market — not the cheapest option available, but significantly more cost-effective than some alternatives at higher transaction volumes.
CoinLedger starts at $49 for 100 transactions (matching Koinly’s Newbie tier) but charges $199 for 1,500 transactions — more expensive than Koinly’s Hodler plan covering 1,000 transactions at $99. TokenTax has no free plan at all, with entry-level pricing at $65 for 500 transactions. CryptoTaxCalculator’s entry plan starts at $49 for 100 transactions but charges $249 annually for unlimited transactions — a subscription model rather than per tax year.
Koinly’s per-tax-year pricing model is an advantage for investors who don’t need annual reports — you only pay for the years you actually file, rather than maintaining an ongoing subscription regardless of need.
For a direct head-to-head comparison, see our Koinly vs CoinTracker comparison.
Common Questions About Koinly Pricing
Do I need to buy a new plan every year?
Yes. Koinly plans are priced per tax year. If you want to generate reports for 2025 and 2026, you need to purchase a plan for each year separately. Plans purchased are valid for ten years from the purchase date, meaning you can always return to download previously generated reports.
Can I upgrade my plan after purchasing?
Yes. If you purchase a lower tier and discover your transaction count exceeds the limit, you can upgrade at any point by paying the price difference. There’s no penalty for starting low and moving up.
Does the free plan ever expire?
No. The free plan is permanent with no expiry date. You can use Koinly’s portfolio tracking and capital gains preview indefinitely without purchasing a paid plan. The restriction is solely on downloading reports.
Does Koinly offer refunds?
Koinly’s refund policy should be verified directly on their website, as terms may change. Before purchasing, use the free plan to verify your transaction count and confirm Koinly handles your specific exchanges and transaction types correctly. This reduces the likelihood of needing a refund.
Can I use one plan for multiple tax years?
No. Each plan covers one specific tax year. If you need reports for multiple years, you need to purchase a plan for each year. The transaction limit applies to the activity within that specific tax year, not your cumulative total across years.
Does Koinly accept crypto as payment?
Yes — Koinly accepts cryptocurrency as a payment method for paid plans, which is a practical differentiator from some competitors that require credit or debit card payments only.
The Verdict on Koinly Pricing
Koinly pricing is straightforward once you understand the transaction-based model. The free plan gives you genuine value before you spend anything — import your data, check your transaction count, verify the calculations, and only then purchase the plan that matches your actual volume.
For most active investors, the Hodler plan at $99 covering 1,000 transactions is the right answer. Buy-and-hold investors with minimal trading activity can often get by with the Newbie plan at $49. The Trader plan at $199 is warranted for frequent traders and active DeFi users. The Pro plan at $279 is for high-volume traders and professionals with genuinely large transaction histories.
The per-tax-year model is an advantage for investors who don’t file every year — you pay only when you actually need a report, not as an ongoing subscription regardless of use. That’s a cleaner pricing structure than several competitors offer.
Ready to check where you stand? Start with Koinly’s free plan here — import your wallets, check your transaction count, and decide from there.
Related reading:
- Koinly Review: Is It the Best Crypto Tax Software in 2026?
- Koinly Free Plan: What Can You Actually Do Without Paying?
- Is Koinly Accurate? How Reliable Is It for Crypto Taxes in 2026?
- Is Koinly Safe? Security, Privacy & API Risks Explained
- Koinly vs CoinTracker: Which Crypto Tax Software Is Better in 2026?
