Best Crypto Tax Software UK (2026): Honest Comparison

The best crypto tax software for the UK is the one that applies HMRC's rules correctly for the way you actually used crypto. If you bought, sold and swapped on a few mainstream exchanges, a UK-specific calculator that shows its pooling workings — including our own — will do the job for a one-off fee. If you used DeFi protocols, NFTs, margin or dozens of wallets, you need a tool with wallet syncing and broader transaction support, which in practice means Koinly or Recap. This comparison covers six options for the 2025/26 return (due 31 January 2027) and for catching up on earlier years, with pricing as published on each vendor's site on 27 September 2026.

What should UK crypto tax software actually do?

It must apply HMRC's matching rules — same-day first, then acquisitions in the following 30 days, then the section 104 pool at average cost — for each type of token, and value every transaction in pounds sterling using a consistent method. Anything that only offers FIFO or LIFO is calculating a different country's tax.

HMRC's Cryptoassets Manual (CRYPTO22200) sets out the pooling and matching rules, and CRYPTO23000 says you must convert every transaction into sterling using a consistent methodology and keep details of it. GOV.UK also warns that exchange transaction reports "are not tax calculations" and "will not keep track of your pooled costs". So the checklist for any tool is:

• Section 104 pooling with same-day and 30-day matching, per token.
• Sterling valuation with a stated, consistent price source.
• Correct treatment of crypto-to-crypto swaps as disposals.
• Income (staking, mining, lending) valued on receipt and added to the pool at that value.
• Support for the tax years you need — including the 2024/25 rate change on 30 October 2024 if you are catching up.
• Output you can keep as evidence: a per-disposal schedule and pool history, not just totals.

How do the options compare?

Prices are as displayed to us on each vendor's public pricing page; several show local-currency prices depending on where you are, so check the page yourself before buying.

CryptoTaxCheck: for exchange-based UK investors and letter recipients

CryptoTaxCheck is the tool on this site. You drag in CSV or XLSX exports from Coinbase, Kraken, Binance, Crypto.com App or Revolut (or our universal CSV template), the files are parsed in your browser, and you see per-year disposals, proceeds, gains, estimated tax and whether you need to report — free, with no account. A Tax Year Report is £29 and the HMRC Letter Pack, covering up to six tax years with a disclosure worksheet, is £59.

What it does well: every disposal shows which rule matched it (same-day, 30-day or pool) and the pool before and after, it supports back years from 2019/20 including the 2024/25 mid-year rate change, and your transaction files never leave your device — only coin and date pairs are sent to our price service when a sterling value is missing.

What it does not do: DeFi lending and liquidity pools, NFTs and margin or futures are detected and flagged but excluded from the totals, there is no API or wallet syncing, and the launch set of exchanges is deliberately small. If your history includes those things, we will tell you and point you to Koinly.

Koinly: for DeFi, NFTs, wallet syncing and large histories

Koinly is the most widely used general-purpose crypto tax platform and it produces a UK-specific report. Its pricing page lists exchange API sync, auto-sync for EVM chains and other networks, DeFi and NFT support, margin trades, smart transfer matching, "8+ years of historical spot prices" and support for up to 100,000 transactions on regular accounts. You connect exchanges and wallets to a cloud account and pay per tax year to download reports.

Pricing as displayed on koinly.io on 27 September 2026 (in US dollars from our location): Newbie $49 for up to 100 transactions, Hodler $99 for up to 1,000, and Trader from $199 for 3,000 or more, with additional transactions purchasable in the app. You can preview your gains before paying, plans are sold per tax year so a multi-year catch-up means several purchases, and Koinly says you can upgrade by paying the difference if you go over a plan's limit.

Choose Koinly when you have DeFi, NFTs or margin activity, when you want wallets to sync automatically rather than uploading files, when your transaction count is in the thousands, or when you want ongoing portfolio tracking. Be aware that it is a cloud service — your full history is uploaded — and that costs add up if you need several back years. Our full Koinly review goes into the detail.

Recap: UK-built, subscription-based, accountant-friendly

Recap is a London-based company that builds specifically for UK tax, and it is the tool several UK crypto accountants say they recommend. Its pricing page lists a Basic plan at £119 a year for up to 5,000 transactions and a Pro plan at £219 a year with unlimited transactions and CSV exports, both with unlimited integrations, capital gains and income reports, accountant sharing, DeFi, mining and staking support, and a 30-day money-back guarantee. A £349 (ex VAT) Company plan adds business features.

The subscription model matters: one annual fee covers "all historic and current year reports", which makes Recap good value if you need to reconstruct several years, and poor value if you have one simple year. It is a cloud service, and the pricing is in pounds. We have not tested Recap's calculations against HMRC's published examples; do your own check on a few disposals as you would with any tool.

CoinLedger and Blockpit: capable, but built for other markets first

CoinLedger's pricing page leads with IRS Form 8949 and TurboTax integration, which tells you its home market. It offers international tax reports, DeFi, NFT and margin support, unlimited exchange syncing and a free portfolio tracker, with one-off report prices of $49 (100 transactions), $99 (1,000) and $199 and up (3,000 or more), and a 14-day money-back guarantee. Its listed calculation methods are FIFO, LIFO, HIFO and adjusted cost; before relying on a UK report, confirm that it applies section 104 pooling with the same-day and 30-day rules.

Blockpit prices by transaction count per tax year — €49 for 50 transactions, €99 for 1,000, €149 for 3,000 and €229 for 10,000 when we checked, shown in euros from our location — with PDF and CSV export and paid expert services on top. As with CoinLedger, check the UK report's methodology before you use it for a return.

Both are reasonable choices if you already use them for another country's taxes. For a UK-only investor, Koinly or Recap are the safer generalist picks because UK pooling is a headline feature rather than one report among many.

Spreadsheets: free, and fine for very simple cases

If you bought one or two coins a few times and sold once or twice, with no purchases within 30 days of a sale, you can follow GOV.UK's pooling example in a spreadsheet: add each purchase to the pool, work out the average cost, and deduct the proportionate cost on each sale. Keep the spreadsheet as your record.

The wheels come off once you have crypto-to-crypto swaps (each one is a disposal needing a sterling value), purchases within 30 days of sales (which must be matched before the pool), several exchanges, or more than one tax year. At that point the risk of a wrong answer — and the hours involved — outweigh a £29 report.

Which should you pick?

• A few exchange trades, one or two tax years, no DeFi: CryptoTaxCheck. Free estimate first; pay only if you need the report.
• An HMRC letter covering several years, exchange-based trading: CryptoTaxCheck's Letter Pack, or Recap if you also have DeFi.
• DeFi, NFTs, margin, many wallets, or you want automatic syncing: Koinly, or Recap if you prefer a UK company and subscription pricing.
• Already using CoinLedger or Blockpit for another country: they may work, but verify the UK method.
• Two or three trades in total: a spreadsheet and GOV.UK's example.

None of these tools is approved or recognised by HMRC — no calculator is — and the figures on your return remain your responsibility. If your affairs are complex or the sums are large, have a qualified adviser review the output.

If HMRC has written to you, start with our letter helper: it works out which years you need to calculate and which reporting route fits before you pick any software.

Sources

• Check if you need to pay tax when you sell cryptoassets — GOV.UK
• Tell HMRC about unpaid tax on cryptoassets — GOV.UK
• CRYPTO22200 — Pooling — HMRC Cryptoassets Manual
• CRYPTO23000 — Valuation — HMRC Cryptoassets Manual
• Koinly — Tax plans and pricing — checked 27 September 2026
• Recap — Pricing — checked 27 September 2026
• CoinLedger — Pricing — checked 27 September 2026
• Blockpit — Pricing — checked 27 September 2026
• Online affiliate marketing — ASA/CAP guidance