Disclosure: some links below are affiliate links, which means I may earn a commission at no extra cost to you. This article is general information, not tax, legal or financial advice. Prices and terms change, so check each provider’s page and talk to a CPA or enrolled agent about your own situation.
If you take crypto for orders or hold it in a business or personal account, the short answer is this: as of October 2026, the cheapest published plans for about 100 transactions are $49 at CoinLedger, ZenLedger and TokenTax, and $59 at CoinTracker, while Koinly’s pricing page that I loaded showed transaction tiers but no dollar amounts. Plans scale with how many transactions you have, up to $499 at CoinTracker for 10,000 transactions and $1,999 at TokenTax for 20,000. I run Ecommerce Paradise and teach high-ticket dropshipping, so I look at this from a store owner’s side: what the software costs, what reports it produces, and where the IRS says your own duties start and end.
I did not test any of these products. Everything below comes from each vendor’s own pricing page and from irs.gov pages I loaded in October 2026. Where a page did not show a number, I say so instead of filling the gap.
Crypto Tax Software Compared: Summary Table (as of October 2026)
| Tool | Plans and price (as listed) | Transaction tiers | Free tier | Forms the page names |
|---|---|---|---|---|
| Koinly | Three plans; no dollar amounts on the page I loaded | 100 / 1,000 / 3,000+ | Free trial: add transactions and view gain summaries, but you must buy a plan to download reports | Form 8949 and TurboTax; Schedule D and TaxAct not mentioned |
| CoinLedger | $0 free, Hobbyist $49, Investor $99, Pro $199+ | 100 / 1,000 / 3,000+ | Portfolio tracking for hundreds of exchanges and wallets and a capital gains overview; no tax report download | Form 8949; exports to TurboTax, TaxAct, H&R Block Desktop and TaxSlayer; Schedule D and Form 1040 not mentioned |
| CoinTracker | Free $0, then Base $59 up to Ultra+ $999, Full Service from $3,499 | 100 to 25,000 on self-serve plans | Unlimited wallet and exchange connections, no downloadable tax forms | Form 8949 and Schedule D; TurboTax and H&R Block |
| ZenLedger | Silver $49, Gold $199, Platinum $399, plus professional plans | 100 / 5,000 / 15,000 | Page body does not list limits | “Crypto tax forms” and TurboTax integration; Form 8949 and Schedule D not named |
| TokenTax | Basic $49, Premium $199, Pro $1,999, VIP $3,499 | 100 / 5,000 / 20,000 / 30,000 | Not mentioned | Form 8949 or the relevant international report |
| TaxBit | No prices; “Book a Demo” | Not applicable | Not applicable | Homepage describes tax compliance infrastructure for brokers, fintechs and marketplaces, not an individual product |
The number that drives your bill is your own transaction count. A plan labeled “up to 100” is cheap until your wallet history, exchange fills and transfers push you into the next tier, so count your transactions before you compare prices.
Why a Store Owner Might Need Crypto Tax Software at All
Most readers of this site run a Shopify store and never touch crypto. A few do, and the reasons are practical. A high-ticket buyer asks to pay a $3,000 order with Bitcoin or a stablecoin. You hold some crypto on Coinbase that you bought as an investment. You pay an overseas supplier in a stablecoin to save on wire costs, a trade-off I cover in my stablecoin supplier settlement post.
Each of those events has a tax meaning, and the IRS says digital assets are treated as property, not currency. That one sentence on the IRS digital assets page drives everything else: every sale, swap or payment with crypto can be a taxable event with a cost basis and a holding period. Tracking that by spreadsheet works for five transactions and breaks at five hundred.
If you have not set up the store itself yet, start with my guide to what high-ticket dropshipping is. Then pick products from the high-ticket niches list.
Crypto tax software is a back-office tool for a store that already makes sales, not a reason to start one. The same goes for paying suppliers in crypto: sort out how to find reliable suppliers first, then decide how you pay them.
What the IRS Pages Say (General Information, Not Advice)
These points come from the IRS digital assets page, which showed a last reviewed date of September 2, 2026 when I loaded it. I am paraphrasing, and I am not telling you how any of this applies to you.
The digital asset question on Form 1040
Form 1040 asks every filer a yes or no question about digital assets. The IRS page says to answer yes if you received digital assets as a reward, award or payment for property or services during the year, or if you sold, exchanged or otherwise disposed of one. It also lists mining, staking and certain airdrops as yes events. The page says no applies if you only held digital assets, bought them with dollars, or moved them between your own wallets, with one catch: paying a transfer fee in digital assets counts as a disposition.
None of the vendor pages I loaded mention this question. It is a question you answer yourself, and software does not answer it for you.
Form 8949 and Schedule D
Per the IRS, sales, exchanges and other dispositions of digital assets held as capital assets go on Form 8949, and holding one year or less is short-term while more than one year is long-term. The Instructions for Form 8949 (2025) describe boxes G, H and I for short-term and J, K and L for long-term digital asset transactions. Boxes I and L are for transactions where you did not receive a Form 1099-DA or substitute statement. The instructions also say acquisition costs such as transaction fees count toward basis.
The IRS digital assets page does not mention Schedule D, although the Form 8949 instructions refer to it elsewhere. Among the vendors, only CoinTracker’s page names Schedule D, which is why my summary table shows it for one tool only. A missing mention on a pricing page does not prove the tool can’t produce a form, so confirm on the vendor’s help pages before buying.
Accepting crypto as payment in a business
This is the part that matters most for an ecommerce owner. The IRS says digital assets received as payment for goods or services are generally ordinary income, measured at their fair market value in US dollars. Its virtual currencies page adds that business dispositions to customers are reported on Schedule C, and that you should keep records of the dollar value of digital assets received as payment in the ordinary course of a trade or business. That page also lists Notice 2014-21 under guidance and notes that later FAQs split into transactions before and on or after January 1, 2025. Read the IRS virtual currencies page directly rather than relying on my summary.
Form 1099-DA
The IRS digital assets page says brokers must report on Form 1099-DA for transactions on or after January 1, 2025, starting with gross proceeds, and that for 2025 transactions reported in 2026 the IRS will not impose certain penalties on brokers who make a good-faith effort. The Form 8949 instructions add that a digital asset acquired after 2025 is a covered security. The pages I loaded did not state a start date for basis reporting by brokers, so ask your CPA what applies to your tax year. If your exchange sends you a 1099-DA, you still reconcile it with your own records, which is where software earns its fee.
For the broader tax picture of running a store, see my dropshipping taxes and legal requirements checklist.
Koinly
Koinly’s pricing page lists three plans, each per tax year: Just getting started (100 transactions), Taking it easy (1,000) and Hustling like a pro (3,000+). The version I could load showed no dollar amounts, so check the live page for current prices. The page says exchanges and wallets are unlimited on every plan, which means the transaction tier is what you pay for.
Every plan lists Form 8949 and TurboTax, plus international tax reports and an audit report, with margin trading and DeFi included. The page describes a never-ending free trial where you can add transactions and see capital gains and income summaries, but you need to buy a plan to download reports. If you go over your tier, the page says you can buy more transactions in the app or pay the difference to upgrade. It also says regular accounts support up to 100,000 transactions. I did not see a refund policy or a stated integration count.
CoinLedger
CoinLedger’s pricing page shows a free tier at $0 plus Hobbyist at $49 (100 transactions), Investor at $99 (1,000) and Pro at $199+ (3,000+). The page calls each tax report a one-time purchase and says reports are available for years 2010 to 2025. The free tier covers tracking your history across hundreds of exchanges and wallets and viewing total gains and losses, but not the full tax report download.
The page states 1,000+ integrations. It names IRS Form 8949, income and capital gains reports, an audit trail and tax loss harvesting tools, and it lists exports to TurboTax Online and Desktop, TaxAct, H&R Block Desktop and TaxSlayer. It advertises a 14-day money-back guarantee and says reports can be regenerated free while you stay inside the plan’s transaction limit. Two inconsistencies: one section refers to plan names that do not match the table, and the page metadata says 10,000+ cryptocurrencies while the body says 20,000+. Schedule D and Form 1040 are not mentioned.
CoinTracker
CoinTracker’s pricing page has the longest ladder of the group. These are the self-serve prices as listed:
| Plan | Price per year | Transactions this year |
|---|---|---|
| Free | $0 | No downloadable tax forms |
| Base | $59 | 100 |
| Base+ | $99 | 250 |
| Prime | $199 | 1,000 |
| Prime+ | $299 | 2,500 |
| Ultra | $499 | 10,000 |
| Ultra+ | $999 | 25,000 |
| Full Service | From $3,499 | 300,000 |
The page says Form 8949 and Schedule D come with Base and above, for this year and past years, and lists TurboTax and H&R Block integrations. TaxAct is not mentioned. It reports 500+ integrations. On the Free plan you can connect as many wallets and exchanges as you like, with up to 50,000 transactions per wallet, but no downloadable forms. The refund line says you can ask for one within 30 days of purchase if you have not downloaded tax forms. The page also mentions that higher-volume plans start at $1,999, but I did not see a plan at that price in the table, so I left it out of my comparisons.
ZenLedger
ZenLedger’s pricing page lists DIY plans billed per tax year: Silver at $49 (up to 100 transactions), Gold at $199 (up to 5,000) and Platinum at $399 (up to 15,000), with a Platinum Unlimited add-on at $600 and multi-year purchases saving 10%. All DIY plans are listed as including DeFi, staking and margin trading, reports, an audit report, FIFO, LIFO and HIFO methods, unlimited exchanges and a TurboTax integration.
It also sells professional help: a 60-minute consultation with an Enrolled Agent at $275, a prepared-return plan at $2,800 for a single year, and tax filing through a partner at $30 per year. The page does not name Form 8949 or Schedule D, only “crypto tax forms,” and it gives no integration count. The refund text is inconsistent, saying one year in one place and 14 days in another, so confirm in writing before paying. The body also does not list free-plan limits, even though page metadata mentions a free plan.
TokenTax
TokenTax’s pricing page lists four paid plans, each per tax year: Basic at $49 (up to 100 transactions), Premium at $199 (up to 5,000, with an optional add-on for 20,000 more), Pro at $1,999 (up to 20,000) and VIP at $3,499 (up to 30,000 centralized exchange transactions, expertly prepared returns). Each plan lists IRS Form 8949 or the relevant international report. The page does not mention a free tier, a refund policy, Schedule D or an integration count, though it says it supports every centralized exchange and links to a separate integrations page for DeFi and NFT platforms.
The big jump from $199 to $1,999 is worth noticing. If your count lands between 5,000 and 20,000, you are choosing between an add-on and a plan roughly ten times the price, so ask support for a quote before buying.
TaxBit
You will see TaxBit in many roundups. Its homepage describes tax compliance infrastructure for brokers, fintechs, payments platforms and marketplaces, lists no prices and offers a “Book a Demo” button. It does not mention a product for individual filers. I am not ranking it against the consumer tools above. If an exchange you use hands you tax forms or a dashboard powered by a business tool, that is a different arrangement from buying software yourself.
What It Costs at Three Transaction Counts
These are hypothetical examples to show how pricing steps up. They assume each vendor counts a transaction the way its tier label suggests, which varies, so treat the results as a sketch. Prices are the sticker prices from the pages above, as of October 2026.
| Tool | About 80 transactions | About 400 transactions | About 2,800 transactions |
|---|---|---|---|
| Koinly | 100-transaction tier (price not shown) | 1,000-transaction tier (price not shown) | 3,000+ tier (price not shown) |
| CoinLedger | Hobbyist $49 | Investor $99 | Pro $199+ |
| CoinTracker | Base $59 | Prime $199 | Ultra $499 |
| ZenLedger | Silver $49 | Gold $199 | Gold $199 |
| TokenTax | Basic $49 | Premium $199 | Premium $199 |
Here is the arithmetic behind the table. At 80 transactions, every tool’s 100-transaction tier fits. At 400, CoinTracker’s Base+ stops at 250 and Base at 100, so you step up to Prime (1,000) at $199, while CoinLedger’s Investor covers 1,000 at $99. At 2,800, CoinTracker’s Prime+ covers only 2,500, so you step to Ultra at $499, while ZenLedger Gold and TokenTax Premium both cover up to 5,000 for $199 each and CoinLedger’s Pro starts at $199 and is listed as 3,000+.
The cheapest sticker price is not the same as the best fit. Coverage of the exchanges and wallets you use, the quality of the import, how the software handles transfers between your own wallets and what your tax preparer accepts all matter more once you cross into a few hundred transactions. A $50 price gap is small next to an hour of cleanup, and also small next to a wrong basis.
Multi-year example
ZenLedger says multi-year purchases save 10%. If I assume that applies to the total (the page does not spell out the mechanics), two tax years of Gold would be 2 x $199 = $398, less 10%, which is $358.20. Treat this as an assumption to confirm at checkout, not a quote.
A Worked Example of the Tax Mechanics for a Store
This example uses made-up prices to show why record keeping matters, and it is not tax advice. Say a customer pays a $3,000 order with 0.05 BTC when the price at the time of receipt is $60,000 per BTC. The dollar value is 0.05 x $60,000 = $3,000. Under the IRS description above, that value is generally ordinary income and also becomes your basis in that Bitcoin.
Later you sell the 0.05 BTC when the price is $66,000. Proceeds are 0.05 x $66,000 = $3,300. Gain equals proceeds minus basis, or $3,300 – $3,000 = $300. If you held it one year or less, the IRS pages call that short-term. If the price had dropped to $54,000 instead, proceeds would be 0.05 x $54,000 = $2,700 and the result would be a $300 loss.
Now picture 60 orders like this across a year, some sold, some swapped, some sent to a supplier. The software’s job is to hold the dollar value on each receipt date, match each disposal to the right basis and produce a report your preparer can use. It does not decide whether crypto belongs in your business or in your personal return, how to treat your entity, or which accounting method is allowed. Those are CPA questions, and my guide to business formation for high-ticket dropshipping explains the entity side in general terms.
What to Check Before You Buy
Count your transactions first
Export your history from each exchange and wallet and count the rows. Include buys, sells, swaps, transfers, fees, staking rewards and customer payments. Every vendor above prices by that count, and the free tiers let you import before you pay, so test the import and read the summary before spending anything.
Check what the free tier really does
Koinly, CoinLedger and CoinTracker all describe a free or trial level that lets you connect accounts and see summaries, with downloads locked. That is useful because you can see whether your import looks right. Only the paid plans download the forms.
Match the output to your preparer
Ask your CPA what they want: a Form 8949 PDF, a CSV, or an export into the tax software they use. The pages I loaded mention TurboTax at Koinly, CoinLedger, CoinTracker and ZenLedger, H&R Block at CoinLedger and CoinTracker, and TaxAct only at CoinLedger. If you already use bookkeeping software for the store, my tax software guide for ecommerce sellers covers the other side of the books.
For day-to-day bookkeeping, I also reviewed Wave separately.
Read the refund terms
CoinLedger advertises a 14-day money-back guarantee. CoinTracker’s page allows a refund request within 30 days if you have not downloaded tax forms. ZenLedger’s page gives two different periods. I saw no refund text on the Koinly or TokenTax pages. Because downloading a report can end a refund window, finish your review of the free summary before you buy.
Keep your own records anyway
The IRS says to keep records of each purchase, receipt, sale or exchange, with dates, units, fair market value and basis. Software is a convenient place to hold them, but exchanges close, APIs break and vendors change plans. Keep exports of your raw transaction history in your own storage.
Where Your Exchange Choice Fits In
Where you buy and hold crypto changes how clean your records are. A single regulated exchange account is easier to import than a dozen wallets.
If you are choosing between platforms, my Coinbase vs Kraken comparison covers fees, coins and safety. The best crypto wallets guide covers custody options.
You can open a Coinbase account through my link, which I may be paid for. The same goes for a Kraken account. I have no tracking links for the tax tools in this article.
Crypto involves substantial risk, prices swing, and nothing here is financial advice. Fees and tax rules can change, so check each provider’s current pages and confirm your treatment with a CPA.
Frequently Asked Questions
Do I need crypto tax software if I only accept a few crypto payments?
It depends on your count and your preparer. With a handful of transactions you might track values in a spreadsheet, and the free tiers at Koinly, CoinLedger and CoinTracker let you test an import for no charge. Once you have many orders, swaps or several exchanges, software can save time. Ask your CPA what record format they need.
Does crypto tax software file my taxes for me?
The pricing pages I loaded describe reports, forms and exports to tax software, not filing for you, with two exceptions: ZenLedger lists a partner filing service at $30 per year, and TokenTax’s VIP plan is described as expertly prepared returns. For most plans you take the output to your preparer or your tax program.
What is the digital asset question on Form 1040?
It is a yes or no question each filer answers about digital asset activity during the year. Per the IRS digital assets page, receiving digital assets as payment or a reward, or selling, exchanging or otherwise disposing of them, means yes. Holding, buying with dollars and moving between your own wallets generally does not, apart from the transfer fee exception. Confirm how it applies to you with a CPA.
What is Form 1099-DA?
It is the IRS form brokers use to report digital asset proceeds. The IRS digital assets page says brokers report on it for transactions on or after January 1, 2025. If you get one, compare it with your own records, because your basis and wallet history may differ from what a broker holds.
Which plan has the lowest published price for about 100 transactions?
As of October 2026, the lowest dollar figures on the pages I loaded are $49 at CoinLedger (Hobbyist), ZenLedger (Silver) and TokenTax (Basic), then $59 at CoinTracker (Base). Koinly’s tier for 100 transactions had no price on the version I loaded. Price is only one factor, so test the import before you decide.
Related Articles
If you are tightening up the money side of your store, these posts on taxes, crypto platforms and payments are the ones I would read next.
- Best Tax Software for Ecommerce Sellers in 2026
- Coinbase vs Kraken 2026: Fees, Coins, Safety and Who Each Fits Best
- Best Crypto Wallets 2026: Exchange, Hardware and App Picks Compared
- 7 Reasons Cross-Border Dropshippers Are Switching to Stablecoins for B2B Supplier Settlements
- Dropshipping Taxes and Legal Requirements in 2026: A US Checklist
Trevor Fenner is an ecommerce entrepreneur and world traveler from Seattle, Washington, and the founder of Ecommerce Paradise, a platform focused on helping entrepreneurs build and scale profitable high-ticket ecommerce and dropshipping businesses. With over a decade of hands-on experience, Trevor specializes in high-ticket dropshipping strategy, niche and product selection, supplier recruiting and onboarding, Google & Bing Shopping ads, ecommerce SEO, and systems-driven automation and scaling. Through Ecommerce Paradise, he provides free education via in-depth guides like How to Start High-Ticket Dropshipping, advanced training through the High-Ticket Dropshipping Masterclass, and fully done-for-you turnkey ecommerce services for entrepreneurs who want a faster, more hands-off path to growth. Trevor is known for emphasizing sustainable, real-world ecommerce models over hype-driven tactics, helping store owners build scalable, sellable, and location-independent brands.
He maintains homes in Seattle and Bali, spends most of the year overseas, and usually returns to Seattle for about a month each summer.
