Koinly Pricing Explained (2026): Plans, Limits & Which One You Actually Need

ByInnovateHub Finance

Affiliate disclosure: This article contains affiliate links. If you click a link and purchase a paid plan, we may earn a commission at no extra cost to you. We only recommend tools we believe provide genuine value.

Understanding crypto tax software pricing can be confusing — especially when plans are based on transaction counts instead of features. Koinly is no exception.

In this guide, we break down Koinly pricing in plain English, explain how the plans really work, what counts as a transaction, and how to choose the right plan without overpaying.

If you’re still deciding whether Koinly is right for you overall, start with our main Koinly review. This article focuses purely on pricing and value.

How Koinly Pricing Works (Important to Understand First)

Koinly pricing is not feature-based.

Instead, plans are determined mainly by:

  • The number of transactions in a tax year
  • Whether you need official tax reports

You can:

  • Import wallets and exchanges for free
  • Preview gains, losses, and errors
  • Pay only when you need downloadable tax reports

This pricing model is designed to let you evaluate accuracy before committing.

What Counts as a “Transaction” in Koinly?

This is where many users get confused.

A transaction generally includes:

  • Buys and sells
  • Trades
  • Swaps
  • Transfers (in some cases)
  • Staking rewards
  • DeFi interactions
  • NFT activity

One DeFi action can generate multiple transactions, which is why active DeFi users often need higher plans.This is also why reviewing your transaction count before paying is critical.

Koinly Pricing Plans (Overview)

Koinly typically offers multiple annual plans based on transaction volume, for example:

  • Free plan (preview only)
  • Lower-tier paid plans for casual users
  • Mid-tier plans for active traders
  • Higher-tier plans for heavy trading or DeFi activity

Exact pricing can change by year and region, so always check the live pricing page.

You can view current Koinly pricing and plans here.

Free Plan: What You Can (and Can’t) Do

What the Free Plan Includes

  • Unlimited wallet and exchange imports
  • Full transaction history view
  • Capital gains and income previews
  • Error detection and warnings

What the Free Plan Does NOT Include

  • Downloadable tax reports
  • Official documents for filing
  • Accountant-ready exports

The free plan is ideal for:

  • Testing accuracy
  • Understanding transaction counts
  • Deciding which paid plan you need

Paid Plans: What You’re Actually Paying For

When you upgrade, you’re paying for:

Files suitable for accountants or tax authorities

Official tax reports

Capital gains summaries

Income reports

Transaction reports

You are not paying for features like syncing or DeFi support — those are available during preview.

Which Koinly Plan Should You Choose?

Casual Investors (Buy & Hold)

If you:

  • Use 1–2 exchanges
  • Make occasional trades
  • Have limited DeFi activity

A lower-tier paid plan is usually sufficient.

Active Traders

If you:

  • Trade frequently
  • Use multiple exchanges
  • Rebalance often

Expect to need a mid-tier plan, depending on transaction volume.

DeFi, NFTs & Advanced Users

If you:

  • Use liquidity pools
  • Swap tokens often
  • Stake, bridge, or wrap assets
  • Trade NFTs

You will likely need a higher-tier plan due to transaction complexity.

This is normal across all crypto tax platforms, not just Koinly.

Is Koinly Pricing Worth It?

For most users, yes — primarily because of:

  • Time saved
  • Reduced risk of tax errors
  • Clear reporting for accountants
  • Ability to preview before paying

If your crypto activity is more than minimal, manual tracking often costs more in time and mistakes than the software itself.

Common Pricing Mistakes to Avoid

Paying before reviewing transactions
Always import your wallets and exchanges first and review the transaction count before upgrading.

Choosing a plan based on guesswork
Let Koinly calculate your actual transaction volume instead of estimating.

Assuming DeFi equals one transaction
DeFi actions often generate multiple taxable events, which can significantly increase transaction counts.

Koinly Pricing vs Other Crypto Tax Tools

Compared to many competitors:

  • Koinly’s preview-before-pay model is more transparent
  • Pricing is predictable once transaction count is known
  • Accuracy and DeFi support justify cost for active users

Cheaper tools often fail with complex activity, leading to manual fixes later.

Final Thoughts: Choosing the Right Koinly Plan

Koinly pricing rewards users who:

  • Review their data first
  • Understand transaction volume
  • Choose plans based on actual usage

The smartest approach is to:

  1. Import everything for free
  2. Review transaction count and accuracy
  3. Upgrade only when you need tax-ready reports

You can start using Koinly for free, review your data, and decide later whether a paid plan makes sense.

Want the Full Picture?

For a broader evaluation of features, accuracy, and alternatives, read our full Koinly review.

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