Crypto Clarity vs Koinly
Koinly is crypto tax software. Crypto Clarity AI is a 12-dimension portfolio risk and health analysis. See which one fits the job you actually need, with an honest side-by-side.
If you are comparing Crypto Clarity AI and Koinly, the honest answer is that they do two different jobs. Koinly is crypto tax software. Crypto Clarity AI is a portfolio risk and health analyzer. This page lays out what each one is built for so you can pick the right tool, or use both.
Comparison reviewed July 22, 2026.
The short version
Koinly answers the question "what do I owe in taxes on my crypto?" It imports your transaction history across exchanges and wallets and turns it into capital gains calculations and tax forms. That is a real, valuable job, and Koinly does it well.
Crypto Clarity AI answers a different question: "how risky is the portfolio I am holding right now, and what should I fix?" It scores your current holdings across 12 dimensions including concentration, correlation, liquidity, drawdown history, and crash stress tests, then gives you a prioritized fix-it plan.
What Koinly does well
Koinly is a mature, well-known crypto tax product. Its strengths are the category it lives in: importing transactions from a wide range of exchanges and wallets, matching cost basis, and generating country-specific tax reports and forms. If your main need is filing accurate crypto taxes, that is exactly the kind of product to look at.
What Crypto Clarity AI does
Crypto Clarity AI is not accounting software. It is a risk lens on your holdings:
- A 0 to 100 health score across all 12 dimensions
- Concentration analysis: which single coin dominates your downside
- Correlation mapping: which coins secretly move together, so ten tickers may be two or three real bets
- Liquidity and drawdown flags per position
- Crash stress tests that show your loss in dollars, not vague percentages
- An exact rebalancing plan, prioritized by impact
Honest side-by-side
| Job | Koinly | Crypto Clarity AI |
|---|---|---|
| Primary focus | Crypto tax accounting | Portfolio risk and health analysis |
| Core question answered | What do I owe in taxes? | How risky is what I hold, and what do I fix? |
| Transaction and cost-basis tracking | Yes, its main strength | Not the focus |
| 12-dimension risk scoring | No | Yes |
| Concentration and correlation analysis | No | Yes |
| Crash stress test in dollars | No | Yes |
| Rebalancing plan | No | Yes |
| Wallet connection required | Imports transactions | No, manual entry |
Who should pick which
- Pick Koinly if your immediate need is filing crypto taxes and reconciling transaction history.
- Pick Crypto Clarity AI if you want to know whether your current portfolio is dangerously concentrated, falsely diversified, or exposed to a crash, and what to change.
- Use both if you want clean taxes at tax time and a clear read on risk the rest of the year.
See it before you decide
Try the free demo to get a risk score on your holdings in about 60 seconds, or read a full example portfolio report to see exactly what the paid analysis includes.
Crypto Clarity AI is an educational risk-analysis tool, not financial advice, and not tax advice.
Related pages
Frequently asked questions
- Is Crypto Clarity a replacement for Koinly?
- No. They do different jobs. Koinly is tax software that turns your transaction history into capital gains reports and tax forms. Crypto Clarity AI analyzes the risk and health of your current holdings across 12 dimensions. Many people use tax software at tax time and a risk analyzer year round.
- Does Koinly do risk analysis?
- Koinly focuses on tax accounting and transaction tracking, which it does well. It is not built to score concentration, correlation, liquidity, or crash exposure across your portfolio, which is what Crypto Clarity AI is built for.
- Do I need to connect my wallet to Crypto Clarity AI?
- No. You enter your holdings manually. There is no wallet connection, no exchange API keys, and no signup needed to try the free demo.
- How much does Crypto Clarity AI cost?
- There is a free demo, and a one-time payment for full lifetime access. The launch price is $12 (regular $19). It is not a subscription.
See your real portfolio risk score in about 60 seconds.
The free demo scores your portfolio across all 12 dimensions in about 60 seconds. Unlock the full breakdown, every risk flag, and your fix-it plan for a one-time $12 launch price (regularly $19). Lifetime access, no subscription.
No wallet connection. No exchange login. One-time payment. Instant access after payment.
Crypto Clarity AI is an educational risk-analysis tool, not financial advice. Nothing on this page is a recommendation to buy, sell, or hold any asset. Crypto is highly volatile and you can lose money. Figures shown are illustrative examples, not predictions. Always do your own research.