Best crypto software for taxes UK 2026: feature-by-feature comparison

For UK Self Assessment in 2026, the best crypto tax software is the one that exports cleanly to SA108, applies HMRC share-pooling correctly, covers the exchanges you actually use, and offers a free tier that lets you validate the numbers before paying. On every dimension Koinly leads; Coinpanda is competitive on price; CoinLedger is the dual-jurisdiction pick.

Best crypto tax software UK 2026

Feature comparison table

HMRC export quality

The export is the single most important feature for UK filers — everything else feeds into it. Koinly's Capital Gains Summary is a two-page PDF: total disposal proceeds, total allowable costs, total gains, total losses, plus a working paper listing every disposal with date, asset, proceeds, cost and gain/loss. Drop the four totals onto SA108 boxes 14, 15, 16, 17 and you're done.

Coinpanda's UK report contains the same figures but in a slightly different format. We needed to cross-reference the working sheet against the headline totals to satisfy ourselves the numbers reconciled. Not difficult, but an extra five-minute step Koinly removes.

CoinLedger's UK report is built on top of a US-default engine. It produces SA108-shaped numbers, but the underlying matching needs review on bed-and-breakfasting trades. For a UK-only filer it's the weakest of the three; for a dual UK/US filer it's the only option that produces both reports natively.

Share-pooling correctness

HMRC's share-matching order is fixed: same-day, then 30-day, then Section 104 pool. Default-FIFO tools get this wrong silently and produce defensible-looking but incorrect numbers.

We tested all three with a portfolio containing three deliberately tricky scenarios: a same-day buy/sell of ETH, a sell-and-rebuy within 14 days (30-day rule trigger), and a multi-purchase Section 104 pool with mixed cost bases. Results:

• Koinly. All three scenarios handled silently. Working paper showed each disposal matched to the correct rule.
• Coinpanda.All three scenarios handled, but the report didn't explicitly label which rule fired on each trade. We had to infer.
• CoinLedger.Same-day and Section 104 fine; the 30-day rule trigger was missed and required a manual override on two disposals. Easy to fix once spotted, easy to miss if you don't check.

DeFi and NFT coverage

DeFi is where most UK crypto tax tools historically fell over. The 2026 generation is materially better:

• Koinly covers Ethereum L1, Arbitrum, Optimism, Base, Polygon, BSC, Avalanche, Solana, plus smaller L2s. Most major protocols (Uniswap, Aave, Lido, Pendle, GMX) parse natively. Niche protocols still need CSV import.
• Coinpanda covers the major chains and most top-50 protocols. Yield farming with frequent compounding can produce noisy results that need cleanup.
• CoinLedger is competitive on Ethereum mainnet but thinner on L2s. Better for buy-and-hold investors than active DeFi users.

NFT coverage is broadly the same across all three: collection-level share-pooling, mint-as-acquisition, sale-as-disposal. Royalty income needs manual classification on all three.

Free tier usefulness

Koinly's free tier is the best in the category. You can connect every exchange and wallet, see the full HMRC report including gain figures and SA108 box totals, and only pay if you need to download the PDF. For a casual investor checking whether they're under the £3,000 allowance, this is enough — no payment required.

Coinpanda and CoinLedger both restrict the free tier to a partial preview. You can connect data and see a rough total, but the line-by-line breakdown sits behind the paywall.

Summary

Koinly wins on every UK-relevant feature: HMRC export, share-pooling, DeFi, free tier. Coinpanda is a fine second choice when budget matters most. CoinLedger earns its place only for UK/US dual filers.

See related coverage at best UK crypto tax software, 2026 features, and selection criteria. Full hands-on Koinly testing in our Koinly review. The HMRC cryptoassets manual sits at gov.uk/hmrc-internal-manuals/cryptoassets-manual.