Pay once. Or never.
Free under 1,000 transactions, with every report. Above that, one payment covers every tax year you have ever had and every one still to come. Nobody here pays twice for the same arithmetic.
UK Self Assessment is due 31 January. Everything here is a one-off payment, so buying today costs exactly what buying on 30 January costs. The only difference is how that week feels.
Free forever
Under 1,000 transactions. Every importer, every report, every tax year. Download everything. No signup, no card, no trial clock. This is not a preview, it is the product.
No account, no card, no expiry. The free tier is the product, not a trial of it.
Start free, no signupOne account fee
1,000 to 9,999 transactions. Covers every tax year you have ever had and every one still to come. Buy it in 2027, use it in 2035. Never per year, never a subscription.
Get your key, £39 oncePayment happens on Stripe's page. Your activation key appears the moment you finish, enter it in the app under Settings, done. The key verifies on your machine and works offline, forever.
Fourteen days, full refund, one email to [email protected]. No form, no reason required, and you keep any reports you already downloaded.
Capital gains, income, loss claims and around ten more reports, all included in all four tiers, the free one included.
The cheapest option here is also the only one that publishes its proof. Every tax rule the engine applies is listed with its statute and the HMRC worked example it is tested against, see the verification page.
If your history is bigger
Not sure which you need? The app counts your transactions the moment you import, free, before any payment. Most people who trade weekly land under 9,999. Bot, DeFi and market-making histories are where Trader and Desk start to matter.
Trader
Up to 50,000 transactions, every tax year, every report. High-volume traders pay competitors about this much every April. Here it is one payment, and next April costs nothing.
Import first, see your count, then buy the key that fits. Nothing you have done is lost by paying later.
Get your Trader key, £129 onceFourteen days, full refund, one email to [email protected]. No form, no reason required, and you keep any reports you already downloaded.
Desk
Up to 250,000 transactions. Beyond that, tell us your volume and we cut a key to fit. Working with an accountant, they use the app free, see how sharing works.
Priority support means email answered by the engineer who wrote the engine, the same working day.
Import first, see your count, then buy the key that fits. Nothing you have done is lost by paying later.
Get your Desk key, £299 onceFourteen days, full refund, one email to [email protected]. No form, no reason required, and you keep any reports you already downloaded.
The standing rule is that you never pay twice for tax maths. A key buys computation forever.
Larger history, or want to see it work on real data first? Load the worked example in the app, free and instant, or book a 25 minute walkthrough and a human will show you.
What the same portfolio costs elsewhere
Prices are the vendors' own published figures, checked on the date below and sourced at the bottom of this page. If any of them changes their pricing, tell us and this table changes the same week. The scenarios are a UK investor filing three tax years, first at 1,000 transactions and then at 5,000, because that is where the pricing model becomes arithmetic.
| gains.tax | Koinly | CoinLedger | CoinTracking | Recap | |
|---|---|---|---|---|---|
| Plan needed for 1,000 transactions | Free | Their mid tier | Their mid tier | Their pro tier | Their entry tier |
| Price | £0 | Per tax year | $99 per tax year | $169 per year, subscription | £119 per year, subscription |
| Three tax years cost | £0 | Three separate purchases | $297 | $169 to $507 depending on when you file | £119 to £357 depending on when you file |
| 5,000 transactions, three tax years | £39 once | Three separate purchases | $297 and up | $507 and up | £357 and up |
| Reports on the free tier | All of them | None | None | None, 7-day trial | No free tier |
| Reports if you stop paying | Yours forever | Only years you bought | Only years you bought | Access ends | Access ends |
| Your data lives | On your machine | Their servers | Their servers | Their servers | Their servers, client-side encrypted |
The 5,000 transaction row is the same mid tiers multiplied by three tax years, and it says "and up" because a history that size can push you into a higher tier with some of them. Even where gains.tax charges, it charges once. The £39 covers those three years and every year after.
It is also the only one of the five that publishes its verification report.
Sources, checked 20 August 2026.
- Koinly pricing, accessed 20 August 2026.
- CoinLedger pricing, accessed 20 August 2026.
- CoinTracking pricing, accessed 20 August 2026.
- Recap pricing, accessed 20 August 2026.
Koinly and CoinLedger price per tax year, so each year of reports is a separate purchase. CoinTracking and Recap are annual subscriptions that include past years while the subscription is active. Recap encrypts your data on your device before it reaches their servers, the last row reflects that.
Why the free tier can afford to exist
Server-based tax apps pay to store and compute every user's data, so every user must eventually pay them. gains.tax runs on your machine. Your computer does the computation, your disk stores the data, and our costs stay near zero whether you have ten transactions or ten thousand. We charge one small fee at the point where the product is clearly earning its keep, and nothing before, and nothing again.
The fee funds continued engine updates as each tax year's rules change, delivered to the same app, which stays free to run for everyone who already has it.