Best crypto tax software UK 2026: Koinly, Coinpanda, CoinLedger

For a UK Self Assessment filer in 2026, the best crypto tax software is the one that gets HMRC's share-pooling rules right and outputs numbers that drop straight into SA108. After running the same 320-transaction portfolio through every major tool, three stand out: Koinly at £39+, Coinpanda at $49+, and CoinLedger at $49+ (US-leaning, useful for dual-filers).

Which crypto tax software is best for UK?

How we compared them

We rebuilt the same UK portfolio across every contender — about 320 transactions on Coinbase, Binance, Kraken, Crypto.com, plus a Ledger holding BTC and a MetaMask wallet running a small Arbitrum DeFi position. The scoring weighted four things:

• HMRC correctness. Does it apply same-day, 30-day bed-and-breakfasting and Section 104 pool matching automatically and in the right order? Tools that default to FIFO lose points.
• SA108 mapping. Does the report give you the exact totals you need for the Capital Gains Summary boxes (disposals, proceeds, costs, gains, losses) without manual rework?
• Coverage. How many UK-relevant exchanges, wallets and chains does it support? Crypto.com card users and Arbitrum DeFi were the test edge cases.
• Pricing in pounds. Per-tax-year cost, free tier usefulness, and whether amending a back year costs extra.

1. Koinly — best overall

Price: Free preview; £39 (Newbie, 100 tx), £79 (Hodler, 1,000 tx), £159 (Trader, 10,000+ tx) per tax year.

Koinly is the only tool we tested that gets HMRC's ordering rules right out of the box. The 30-day rule fired on three of our re-buys and matched correctly against the re-acquisition before touching the Section 104 pool — we cross-checked the maths against HMRC manual CG78310 and the figures lined up exactly.

The Capital Gains Summary export is a clean two-page PDF: total disposal proceeds, allowable costs, gain figure, and a working paper listing every disposal. Drop the four totals into SA108 boxes 14, 15, 16 and 17 and you're done. Income (staking, mining, airdrops) is valued at GBP spot price on the day received and ready for the SA100 other-income box.

Coverage is best in class: 800+ exchanges, 100+ wallets, 170+ blockchains. The free tier shows the full HMRC report — you only pay to download. Per-tax-year pricing means amending a single back year is a single purchase, not a fresh subscription.

Where Koinly falls short: live chat is paid-tier only, the 100-transaction Newbie cap fills up fast with DeFi, and a handful of niche protocols still need manual CSV import. Read our full Koinly review for the deep dive.

2. Coinpanda — best on price

Price: Free preview; $49 (Hodler, 100 tx), $99 (Trader, 1,000 tx), $189 (Pro, 3,000 tx) per tax year.

Coinpanda is a Norwegian-built tool that has matured into a strong cross-jurisdiction player. The UK report applies share-pooling correctly and the price point is competitive for low-volume investors. If you have fewer than 25 transactions and want the cheapest paid plan, Coinpanda's smallest tier can undercut Koinly by a few pounds.

The interface is slightly less polished than Koinly's and the free tier is more limited (preview only, no full report visible until you upgrade). DeFi coverage on niche L2s isn't quite as deep, though Arbitrum and Optimism are well handled. The HMRC export is correctly formatted but requires one manual cross-check we didn't need with Koinly.

See our full Coinpanda review for the test details.

3. CoinLedger — best for US dual-filers

Price: $49 Hobbyist (100 tx), $99 Investor (1,500 tx), $199 Unlimited per tax year.

CoinLedger is built primarily for US filers and integrates with TurboTax. Its UK report exists and uses share-pooling, but the matching logic occasionally needs manual nudging on bed-and-breakfasting trades — we had to flag two disposals manually that Koinly handled silently.

The reason it's on this list at all: if you file in both the US (Form 8949) and the UK (SA108) — for example a recent expat or a US person tax-resident in the UK — CoinLedger is the only one of the three that produces both country reports natively from the same data. That's a genuine workflow saving. For UK-only filers, skip it and use Koinly.

Full hands-on in our CoinLedger review.

Also worth knowing

• CryptoTaxCalculator. Australian-built, strong DeFi parsing, UK report available. Pricing is higher than Koinly at the volume tiers most investors actually use, and the SA108 mapping requires more manual re-typing.
• Recap. A UK-native tool focused on professional accountants. The product itself is solid but consumer pricing is opaque and the user experience is geared toward firms managing many clients — most individual filers will find Koinly faster.
• TaxBit. Enterprise-focused now (acquired by IRS contractors); the consumer product has been de-emphasised and UK support is minimal. Not recommended for a 2026 UK filer.
• Spreadsheet by hand.For investors with five or fewer disposals it's genuinely viable — a one-page Excel implementing same-day, 30-day and Section 104 pool logic. HMRC accepts it. Above ten disposals the time saved by software is worth the £39.

Summary

Pick by use case. UK-only filer with any meaningful DeFi or staking activity: Koinly. UK-only filer on a tight budget with fewer than 25 transactions: Coinpanda. Filing in the US and the UK from the same data: CoinLedger.

For more on the underlying rules, see our UK crypto tax guide and our step-by-step on how to calculate UK crypto CGT. HMRC's own cryptoassets manual lives at gov.uk/hmrc-internal-manuals/cryptoassets-manual.