One of the most common questions new users have is simple: how much does Koinly actually cost? The answer depends on how many transactions you have and how many tax years you need reports for. In this guide, we’ll break down Koinly’s pricing structure, explain what counts toward your transaction limit, and share tips to keep costs down.
Is Koinly Free to Use?
Yes — Koinly offers a generous free plan that never expires. On the free tier, you can import up to 10,000 transactions, connect unlimited wallets and exchanges, view your capital gains summary, and use the portfolio tracker. The only thing you need a paid plan for is downloading your official tax reports.
This means you can fully test Koinly — import all your data, verify accuracy, and see your tax summary — before spending a single dollar.
How Much Does Koinly Cost?
Koinly offers four paid tiers, priced per tax year:
Newbie — $49/tax year: Up to 100 transactions. Ideal for casual holders who made a handful of trades.
Hodler — $99/tax year: Up to 1,000 transactions. Great for active investors using a few exchanges.
Trader — $179/tax year: Up to 3,000 transactions. Built for frequent traders and DeFi users.
Pro — $279/tax year: Up to 10,000 transactions. Designed for power users, day traders, and professionals.
Each plan allows you to generate and download unlimited reports for the covered tax year.
What Counts Toward Your Transaction Limit?
A transaction is any deposit, withdrawal, or trade. However, Koinly reduces your count in several ways: grouped exchange fills are consolidated into single transactions, deleted transactions don’t count, and the majority of small dust rewards and spam tokens are excluded. As a result, your billable transaction count in Koinly is often much lower than the raw number on your exchanges.
Why Is Koinly Showing Me a Higher Plan Than Expected?
This is one of the most frequently asked pricing questions. Koinly uses an account-wide transaction limit, not just a per-year limit. If you’ve imported data across multiple tax years, transactions from previous years also count toward the total. This means even if your current year has only 500 transactions, prior-year data could push you into a higher plan tier. The Plans page shows both your yearly and account-wide totals so you can see exactly why a specific plan is required.
A helpful tip: if you don’t need reports for previous years, building your account-wide limit under a single plan is cheaper than purchasing separate plans for each year.
Can I See My Capital Gains Before Paying?
Absolutely. On the free plan, you can navigate to the Tax Reports page and see a summary of your capital gains and income for any tax year. You can also view gains on individual transactions. The paywall only applies to downloading the formatted reports.
Can I Pay With Crypto?
Yes. Koinly accepts both traditional payment methods (credit and debit cards) and cryptocurrency payments for plan purchases.
Can I Use Discount Codes?
Koinly periodically offers discount codes through partners and promotions. Discounts apply to tax plan purchases but not to add-ons. Note that discount codes cannot be stacked — only one promotion can be applied per order.
What Happens If I Exceed My Plan’s Transaction Limit?
If you import more transactions than your plan covers, Koinly pauses all calculations. Wallet balances and dashboard data may appear incorrect, and you won’t be able to generate reports — even for previous years. To restore functionality, you’ll need to either upgrade your plan or delete excess transactions.
Ready to simplify your crypto taxes?
Try Koinly for free today — no credit card required. Import your wallets, see your gains, and generate tax-ready reports in minutes.
Frequently Asked Questions (FAQ)
Q: Is Koinly free?
A: Yes. Koinly has a free plan that lets you import up to 10,000 transactions, view your gains summary, and use the portfolio tracker. You only pay to download tax reports.
Q: How much does Koinly cost?
A: Paid plans start at $49/tax year for up to 100 transactions and go up to $279/tax year for up to 10,000 transactions.
Q: Why is Koinly making me buy a bigger plan?
A: Koinly uses an account-wide transaction limit. Transactions from previous tax years count toward your total, which can push you into a higher tier.
Q: Can I preview my taxes before paying?
A: Yes. The free plan shows your capital gains and income summary for any tax year. Paying is only required to download the formatted reports.
Q: Does Koinly accept crypto payments?
A: Yes. You can pay for your plan with both credit/debit cards and cryptocurrency.
Q: Can I combine discount codes?
A: No. Only one discount or promotional offer can be applied per order, and discounts apply to tax plans only — not add-ons.
Q: What happens if I go over my transaction limit?
A: Koinly halts all calculations and blocks report downloads until you upgrade your plan or remove excess transactions.
