We connected a mix of exchange history and on-chain wallets to Koinly and checked the capital gains preview against our own manual math. Here is where the transaction limits bite, what the report actually costs, and where DeFi labels still go wrong.
We fed Koinly a genuinely messy history: three exchange CSV imports, two connected wallet addresses and a handful of DeFi swaps, then checked its capital gains preview against a manual spreadsheet built from the same raw data.
The free tier does more than most tax tools charge for
Koinly's free plan tracks up to 10,000 transactions, shows unlimited connected wallets and exchanges, and previews your capital gains number before you spend a cent. Only the downloadable, filing-ready report sits behind a paywall. That structure let us see our full picture and confirm the totals looked plausible before deciding which paid tier to buy, which is the right order to do things in.
Pricing is set by transaction count, not by how many places you traded
Every paid tier, Newbie at $49 through Trader at $199, includes unlimited wallets and exchange accounts. What changes between them is the transaction ceiling: 100 on Newbie, 1,000 on Hodler, and a slider from 3,000 up to 10,000-plus on Trader.
One detail buyers miss: that transaction count is cumulative across every tax year sitting in the account, not just the year you're filing for. Import three years of history at once and a trader who thought they qualified for Hodler can land in Trader territory before they have filed a single report. Count your actual transactions per year first, and pick the tier for the year you are filing rather than the total history you dumped in.
