Crypto Tax Software for Canada: CRA Rules and Prices Compared
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Short answer
Canadian crypto tax software needs to use the Adjusted Cost Base (ACB) method, value every trade in Canadian dollars and produce figures for Schedule 3. CoinLedger, Koinly and CoinTracker all say they support ACB and Schedule 3. Published entry prices: CoinLedger and Koinly $49 per tax year, CoinTracker $59 a year. Summ's Canada page lists $99 and $249 yearly plans covering all tax years.
Last checked 26 Oct 2026 · Prices from coinledger.io/pricing, koinly.io/pricing, cointracker.io/pricing and summ.com Canada pricing. Canada features from CoinLedger’s Canada article, CoinLedger calculation methods and CoinTracker cost basis for non-US customers. Tax rules from the CRA crypto income guide, completing Schedule 3 and capital losses.
What Canadian crypto tax software has to do
- Use ACB: average the cost of each crypto in Canadian dollars.
- Treat swaps, spending and transfers of ownership as dispositions, valued in CAD at the time.
- Produce Schedule 3 figures: crypto proceeds on line 15200 and the gain or loss on line 15301.
- Flag superficial losses, where a rebuy within 30 days either side means the loss can’t be claimed.
- Separate income such as staking or mining rewards, and business trading, which is reported differently (Guide T4002).
Published prices and Canada features
| Tool | About 100 transactions | About 1,000 transactions | Higher tiers | Billing | Canada features it publishes |
|---|---|---|---|---|---|
| CoinLedger | USD 49 | USD 99 | From USD 199 (3,000+); USD 499 (10,000+) | One-time per tax year | ACB; CRA Schedule 3 and T1 return form |
| Koinly | USD 49 | USD 99 | From USD 199 (3,000+) | One-time per tax year | ACB listed among methods; 140+ countries |
| CoinTracker | USD 59 (Base) | USD 199 (Prime) | USD 99 (250) to USD 999 (25,000) | Yearly, auto-renews; past years included | ACB; Schedule 3 |
| Summ | Not shown on Canada page | 99, currency not labelled (Hobbyist) | 249, currency not labelled (Investor, 10,000) | Yearly subscription; all tax years | CRA-focused FAQ on its Canada page |
Canada’s tax year is the calendar year. With per-tax-year tools, a two-year catch-up means two purchases.
Free options in Canada
Checked 26 Oct 2026 on coinledger.io/pricing, koinly.io/pricing and cointracker.io/pricing.
None of the three publishes a free plan that downloads a filing-ready report. Each one’s free tier is a preview:
| Tool | What’s free | What you pay for |
|---|---|---|
| CoinLedger | Tracking and a gains preview | The report download, from USD 49 per tax year |
| Koinly | Import and a full gains preview for up to 10,000 transactions | The report, from USD 49 per tax year |
| CoinTracker | Portfolio tracking and a tax summary preview | Tax forms, from USD 59 a year (covers past years) |
The free preview is still useful. Import your full history, set CAD and the adjusted cost base (ACB) method, and check your transaction count before you pay.
The no-cost route: with a few trades, you can work out the adjusted cost base per coin yourself in a spreadsheet, using your exchanges’ CAD statements. Report the gains on Schedule 3. Each swap is a disposition, so this gets slow quickly as trades grow.
This is general information, not tax advice.
Who each fits, based on published features and pricing
This is a reading of published features and prices, not a tested recommendation. None of these tools was tested hands-on for this page.
- CoinLedger: fits one-year filers with up to about 1,000 transactions who want a one-time payment and a generated Schedule 3. See CoinLedger Canada.
- Koinly: fits people who want to preview up to 10,000 transactions free, pay once per year, or pay in crypto.
- CoinTracker: fits people catching up on several years, since a yearly plan covers past years’ reports.
- Summ: fits multi-year filers whose combined history stays within a tier, with all years under one subscription.
Whichever you try, import your full history in the free tier, set CAD and ACB, and check the transaction count before paying.
See also CoinLedger vs Koinly, CoinLedger vs CoinTracker and crypto tax software costs.
Other countries and tools
- Crypto tax software for the UK
- Crypto tax software for Australia
- Crypto tax software for India
- Crypto tax software for the USA
- Crypto tax software for New Zealand
- CoinLedger pricing by tier
- Koinly vs CoinTracker
- Crypto tax software cost calculator
What this page doesn’t cover
It doesn’t check calculation accuracy, provincial tax, or whether your activity counts as a business. This is general information, not tax advice; check with a Canadian tax professional.
Frequently asked questions
Which crypto tax software is best in Canada?
This page doesn't rank them, because none was tested hands-on. It sets out published prices and CRA-related features so you can match them to your transaction count, the years you need and how you want to pay.
What does the CRA require?
For capital disposals, report proceeds and the gain or loss in Canadian dollars on Schedule 3 (lines 15200 and 15301). Half of a capital gain is taxable. Crypto-to-crypto swaps are dispositions.
Which tools support ACB?
CoinLedger's help centre lists ACB for Canada. CoinTracker's lists ACB as required by the CRA, reported on Schedule 3. Koinly's pricing page lists ACB among its methods. Summ's Canada page discusses ACB in its FAQ.
Are prices in Canadian dollars?
CoinLedger, Koinly and CoinTracker list USD. Summ's Canada page shows $99 and $249 without a currency label. Check the total at checkout.
Which is cheaper for catching up several years?
CoinTracker and Summ sell yearly plans that cover past years' reports. CoinLedger and Koinly sell each tax year separately.
How do superficial losses affect software?
The CRA denies a loss if you or a connected person (such as a spouse) rebuy identical property within 30 days before or after the sale and still hold it 30 days later. The denied loss is usually added to the new property's ACB. Check how your preview treats quick rebuys.