Koinly: program do rozliczenia kryptowalut w Polsce
Hodlia.fi · 5 listopada 2026
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W skrócie:
- Koinly is crypto tax software that imports trades from exchanges and wallets and calculates capital gains.
- Pomaga zebrać historię transakcji pod PIT-38.
- Import and preview are free. You pay only when you download a tax report.
Czym jest Koinly
Koinly connects your exchanges and wallets (API, CSV or wallet address), fetches historical prices, matches transfers between your own wallets, and calculates gains and losses for each disposal.
Główne funkcje
- Import via exchange API, CSV, EVM auto-sync, Solana, Cardano and more
- Smart transfer matching so wallet-to-wallet moves are not treated as sales
- Cost basis methods including FIFO, LIFO and average cost
- Mining, staking, lending, airdrops, DeFi and NFTs
- Balance checks and negative-balance warnings
- International tax reports
Jak pomaga w podatkach
W Polsce dochód ze sprzedaży kryptowalut rozliczasz w PIT-38 stawką 19 %. Wymiana krypto na krypto co do zasady nie jest opodatkowana; opodatkowana jest sprzedaż za fiat, towar lub usługę. Koinly pomaga zebrać koszty i przychody; deklarację składasz sam.
Typowy przebieg:
- Import all accounts and wallets into Koinly.
- Choose your country and the cost-basis method that matches your rules.
- Review unmatched transfers and balances.
- Preview gains, then download the report you need for your tax filing.
- You remain responsible for the figures you declare.
Ceny
| Plan | Transactions | Price / tax year |
|---|---|---|
| Free | 10,000 (no tax report) | $0 |
| Newbie | 100 | $49 |
| Hodler | 1,000 | $99 |
| Trader | 3,000 | $199 |
Prices checked on koinly.io (USD, one-time per tax year, not a subscription). 7-day refund if you have not generated a report. Check the live price for your country.
Zalety i wady
Pros: free preview; wide exchange and chain support; pay per tax year. Cons: the report is not a finished tax return; wrong imports skew results; high volume costs more; country-specific rules still need a manual check.
Podsumowanie
If you trade across several exchanges or wallets, Koinly reduces spreadsheet work. For a handful of trades, a simple spreadsheet may be enough.
Źródła
- Koinly – Pricing (tarkistettu 2026-11-05)