TL;DR: Koinly is free to use until you need downloadable tax reports. The cheapest paid plan is Newbie at $49 per tax year for up to 100 transactions. Hodler costs $99 for up to 1,000 transactions, while the public pricing page currently lists Trader from $199 per tax year. Rewardio currently offers 10% cashback on paid Koinly plans, with no code needed.
Koinly pricing looks simple at first, but the headline numbers only tell part of the story. You do not pay a monthly subscription. Instead, you buy a plan for the tax year you need, and the required tier depends on your transaction count.
That distinction matters. A light investor may only need the $49 Newbie plan, while an active trader can move into a much higher tier. Older transaction history can also affect the plan Koinly asks you to buy.
This guide breaks down the current Koinly cost, what each plan covers, and where the pricing catches sit. It also explains the cheapest honest way to get the report you need.
Koinly pricing plans at a glance
| Free | Newbie | Hodler | Trader | Pro | |
|---|---|---|---|---|---|
| Price | $0 | $49 per tax year | $99 per tax year | From $199 per tax year | Not separately published on the public pricing page |
| Monthly billing | Not applicable | Not offered | Not offered | Not offered | Not offered |
| Annual subscription | Not applicable | Not offered | Not offered | Not offered | Not offered |
| Transaction allowance | Up to 10,000 account-wide | Up to 100 | Up to 1,000 | Up to 3,000 | Up to 10,000 |
| Best for | Testing imports and previewing gains | Very light investors | Most buy-and-hold investors | Active traders | High-volume users |
| Key inclusions | Portfolio tracking, gains preview, unlimited wallets | Tax reports, unlimited wallets, DeFi and NFT support | Same core reporting features with a higher limit | Same core reporting features for heavier activity | Higher transaction capacity, with extra transaction packs available |
| Cashback via Rewardio | Not applicable | 10% | 10% | 10% | 10% |
Koinly’s live public pricing page currently shows Free at $0, Newbie at $49, Hodler at $99, and Trader from $199. The paid prices are per tax year. Koinly’s current Help Center separately identifies Pro as the tier for up to 10,000 transactions.
There is one wrinkle here. Koinly does not publish a separate current Pro price on the accessible public pricing page. Higher-volume users need to check their Plans page for the price Koinly applies to their account. I have not filled that gap with an older price from memory or a third-party page.
All paid tiers include unlimited wallets and exchange accounts. They also include portfolio tracking, tax reports, DeFi support, international tax reports, and a comprehensive audit report. Koinly’s UK site currently advertises 900+ integrations and HMRC reporting.
Which Koinly plan is the best value?
The best-value plan is the cheapest one that covers your billable transactions. Koinly does not reserve its core tax reporting tools for the expensive tiers. The main difference is capacity.
Newbie makes sense if you have 100 billable transactions or fewer. At $49 per tax year, it is the lowest-cost route to downloadable tax reports.
Hodler is the sweet spot for many less-active investors. It raises the allowance to 1,000 transactions for $99. That is a big jump in capacity without pushing the price into the higher-volume bracket.
Trader starts at $199 on the live pricing page. Koinly’s Help Center sets its allowance at up to 3,000 transactions. If your count sits just above 1,000, that jump can sting.
Pro is for heavier accounts and covers up to 10,000 transactions. If you go beyond that, Koinly sells extra transactions in blocks of 1,000. Those add-ons are only available with Pro.
The practical advice is simple. Import everything before you pay. Koinly shows your billable transaction count on the Plans page, so you can see the tier it actually requires.
Koinly monthly vs annual pricing
There is no Koinly monthly plan, and there is no annual subscription discount to compare against it. Koinly charges per tax year.
A plan remains valid for 10 years from purchase. You can update transactions and regenerate reports during that period. Koinly also says its tax plans do not auto-renew.
That makes the billing model different from most SaaS subscriptions. You are not paying for 12 months of access. You are paying for the right to generate reports for a specific tax year.
If you need reports for several years, you may need several plans. Koinly recommends buying the oldest year first when purchasing multiple years. Doing so can build your account-wide allowance and reduce the tier needed for later years.
The Koinly pricing catches to watch
The biggest catch is the account-wide transaction limit. Your current tax year is not the only number that matters.
Koinly also looks at your total transaction history. For example, a year with 500 transactions may look like Hodler territory. Older activity could still push the account-wide count high enough that Koinly requires a larger plan.
There is a 1,000-transaction margin for previous-year history. If your older transactions stay below that margin, Koinly says you do not need to cover them in the current plan.
The second catch is the jump between tiers. Moving from Hodler to Trader more than doubles the current entry price, from $99 to at least $199. A small number of extra billable transactions can therefore have a large effect on Koinly pricing.
The third catch is add-ons. Koinly offers Extra Transactions, Daily Sync, Dual Nationality, and Expert Review. Their current prices appear inside the Koinly Plans page rather than the public pricing table.
Expert Review can be especially costly because Koinly uses dynamic pricing for it. The company says demand can move the price during busy tax periods. Discount codes also do not apply to Expert Review, Daily Sync, or Dual Nationality.
Finally, do not assume every imported line counts. Koinly excludes deleted transactions, spam, and most small dust rewards from billable totals. It can also merge some related transactions into one.
Is Koinly free?
Yes, Koinly has a permanent free plan. It is more useful than a short free trial because you can import data before spending anything.
The free plan supports unlimited wallets and up to 10,000 transactions across the account. You can view imported transactions, calculated gains, and your tax summary.
The limit is report access. You cannot generate downloadable tax reports on Free. You also lose access to Cost Analysis and Bulk Edit in Excel.
Koinly describes this as a never-ending free trial. No credit card is required to start.
That is the best way to reduce buying risk. Import your exchanges and wallets, fix obvious data problems, then check the plan Koinly recommends before paying.
Refunds and money-back protection
Koinly does offer refunds, but the policy is narrower than a simple money-back guarantee.
You must request the refund within seven days. You must not have generated any tax reports. Koinly also says the reason must relate to a bug or issue it cannot resolve within a reasonable time.
A simple change of mind does not qualify. Neither does deciding that the software feels too complicated or choosing to hire an accountant instead.
If you bought the wrong plan, contact support before generating a report. Koinly can change the tax plan in some cases.
How to pay less for Koinly
Start with the free plan. This lets you clean up the account before you commit to a tier.
Next, review your billable transactions rather than the raw number from an exchange. Delete duplicates, mark spam correctly, and merge eligible transactions where Koinly supports it. Koinly also says tax-neutral fiat deposits and withdrawals can be removed when appropriate.
If you need several historical reports, buy the oldest plan first. Koinly itself recommends this route because it can reduce the account-wide requirement on later purchases.
Do not buy Pro pre-emptively. Koinly lets you upgrade later, and you only pay the difference between the plan you already bought and the higher tier.
There is also no reason to chase a random Koinly coupon code from an unverified coupon site. Koinly does run limited promotions, referral offers, and partner discounts, but codes expire and not every referral link includes a discount.
I could not verify a universal Koinly promo code 2026 on Koinly’s current public pricing or promotion pages. For a reliable saving, Rewardio currently offers 10% cashback with no code needed.
How Koinly cashback works through Rewardio
Rewardio currently lists 10% cashback for Koinly. The rate applies when you purchase a paid Koinly plan through the tracked Rewardio route.
The process is straightforward. Start from Rewardio’s Koinly cashback page and activate cashback. Rewardio then sends you to Koinly with tracking enabled.
If you complete an eligible purchase, Rewardio earns a commission from Koinly. Rewardio passes a share of that commission back to you as cashback.
No Koinly discount code is needed for the Rewardio rate. That matters because Koinly says its own discounts cannot be combined with other Koinly offers or promotions.
Cashback remains a percentage here. The effective discount is 10%, regardless of which eligible paid Koinly tier you need.
Is Koinly worth the money?
For a simple portfolio with a handful of trades, $49 can be reasonable for avoiding a manual tax spreadsheet. The value becomes stronger when your activity spans several exchanges, wallets, DeFi platforms, or staking services.
Koinly’s UK product supports HMRC-specific reporting, including Share Pooling, same-day rules, and the 30-day bed-and-breakfasting rule. You can also preview gains before paying.
The price becomes harder to swallow when transaction volume rises. The tier jumps are meaningful, and older activity can push you into a larger plan than the current year suggests.
Koinly is also a calculator, not a tax adviser. Accurate reports depend on complete transaction data, and complex activity can still require manual review.
For a broader look at usability, reporting, and support, read our Koinly review. If the transaction-based model feels too expensive, our Koinly alternatives guide compares other options.
Koinly pricing FAQ
What is Koinly?
Koinly is crypto tax software that imports activity from exchanges, wallets, and blockchains. It calculates gains, losses, and crypto income, then produces tax reports for supported jurisdictions.
For UK users, Koinly offers HMRC-ready reporting and applies UK-specific cost-basis rules. Its UK site currently advertises 900+ integrations.
How to cancel a Koinly subscription
There is no normal Koinly subscription to cancel. Tax plans are one-off purchases for a specific tax year, and Koinly says they do not auto-renew.
If you want a refund after purchase, check the seven-day refund rules before generating any report. If you simply want to stop using Koinly, there is no future recurring tax-plan charge to switch off.
How much is Koinly?
Current Koinly pricing starts at $0 for the Free plan. Newbie costs $49 per tax year, Hodler costs $99, and Trader starts at $199.
Koinly’s Help Center also lists Pro for up to 10,000 transactions. Its separate current price is not published on the accessible public pricing page, so check the Koinly Plans page for the live figure.
Does Koinly have a free trial?
Yes. Koinly calls its free tier a never-ending free trial.
You can import up to 10,000 transactions, connect unlimited wallets, and preview gains without a credit card. You only need a paid plan when you want downloadable tax reports or exceed the free account limit.
Is there a Koinly discount?
Koinly sometimes offers promo codes, referral benefits, and partner discounts. I could not verify a universal Koinly discount code or Koinly coupon code that is live for everyone today.
Rewardio currently provides 10% cashback on eligible Koinly paid plans. No code is needed, so you avoid relying on an expired coupon.
Verdict
Koinly pricing is fair at the lower end and less forgiving once transaction counts climb. The $49 Newbie and $99 Hodler plans cover many casual investors, while active traders can hit a much steeper bill.
The smartest route is to import everything for free, check your billable count, and buy only the tier Koinly requires. Visit Rewardio’s Koinly cashback page to activate the current 10% cashback before paying.
For the wider product verdict, read our full Koinly review. For other crypto tax tools, see our Koinly alternatives comparison.
Rewardio earns a commission when you sign up to Koinly through our links, and we pass a share of that back to you as cashback. That is how the site stays free to use. Either way, the plans and prices above are laid out as they stand, not bent to push the sale. We would rather earn your trust than a single click. Pricing changes often, so every figure here is accurate at time of writing, check before you buy.
