ChainFolioAI vs Koinly

The two tools solve overlapping problems, but they are not the same thing. Here is the difference, including what Koinly does better than us.

What Koinly is

Crypto tax software. It connects to exchanges and wallets, imports the history automatically and produces the year's tax report.

A read-only crypto and traditional portfolio dashboard, with FIFO tax reporting, risk metrics, an AI assistant, and API and MCP access for agents.

This section exists because without it the comparison is worthless.

It syncs exchange history on its own. We do not: history is typed in or imported by CSV, and that is the difference you feel most if you trade a lot.
Many more exchange and wallet integrations.
Far longer on the market, so more rare cases already solved.
Tools built for accountants handling several clients.

Crypto and traditional assets (stocks, ETFs, gold) in one total. Koinly is crypto only.
A daily dashboard, not only the year-end report: real-time PNL, risk metrics and a portfolio score.
Fees and gas are part of the cost basis, including fee-only entries (failed swaps, gas paid from another wallet).
DeFi lending positions read from the contracts, with the net value in the total: a leveraged position does not inflate the portfolio.
REST API and MCP server, so an AI agent can read the portfolio.
A public, key-free tax table for 21 countries that anyone, or any model, can read.

Choose Koinly if…

You trade a lot across several exchanges and want the history imported for you, once a year.

Choose ChainFolioAI if…

You want crypto and traditional in one place every day, and the tax report to come out of that same history.

Free €0, Pro €14.99/mo, Premium €39/mo. Cheaper yearly. Card or stablecoins.

Koinly's price changes over time and by plan. Check it on their site.

Does ChainFolioAI do the same as Koinly?

No. There is common ground, but Koinly and ChainFolioAI were built for different problems. The page above says what each does better.

What does Koinly do better than ChainFolioAI?

It is on the page, in a section of its own. In Koinly's case it mostly comes down to depth and years on the market.

Can you use both?

Yes. Some people use one tool for the year-end report and another to follow the portfolio day to day.

Does ChainFolioAI have a free plan?

It does, with no card. It includes on-chain wallets, full trade history, the FIRE calculator and tax tools for 4 countries.

Nothing here is a performance figure or a promise of returns. The tax report is an estimate built from the history you record, not a tax return.

Facts reviewed on 20 September 2026. Tools change: check each one's site before deciding.