Examined Sep 25, 2026 Crypto tax software Discount, not cash CoinTracker’s invite link takes 20% off your first paid plan. In July, ten of those points were yours without it.
Somebody has sent you a link with 20% on it. CoinTracker itself is bookkeeping for crypto: it reads your trades and works out your cost basis, meaning what you paid for a coin including fees, and your capital gains, the difference between that and what you sold it for, which is the figure that gets taxed. Two things sit underneath the 20% and both matter more than it does. The first is that, when we last read its referral page in July, CoinTracker discounted by 10% for everyone. The second is that the program is not administered by CoinTracker at all: a referral company called Cello runs it and writes the terms, and those terms decide whether the link you were sent is even allowed to exist.
- A new customer subscribing through a personal invite link20% off
- A new customer arriving with no referral at all10% off
Both offers appeared on the same CoinTracker page on July 26, so the invite added the second ten points.
What pays what
| You, new customer, subscribing through a personal invite link | 20% off the first paid plan |
|---|---|
| You, new customer, arriving with no referral at all | 10% off all plans, as read July 26 |
| So what the invite link added, in July | Ten percentage points |
| Signing up without the invite link, then asking for credit later | No upgrade to 20% |
| Anyone who is already a CoinTracker customer | Not eligible |
| Staying on the free tier | Nothing to discount |
| Referring yourself, or routing it through family | Prohibited by Cello |
| A deal or coupon site posting a CoinTracker link, this one included | Barred by Cello |
Attribution is all or nothing: a friend who forgets to use the invite link cannot be credited afterwards, although in July they had the public 10% to fall back on. And Cello bars posting referral links on deal-sharing websites and public coupon platforms “in a way that implies Cello or the Customer is offering a general sale, time-limited discount, or public promotion”, which is what a coupon listing does.
Do this, in this order
- Work out which plan you actually need, first. These tools price by tier, and the distance between tiers is much larger than ten percentage points. Landing on the right one, and confirming CoinTracker supports the exchanges and wallets you used, is where the money is. The discount is a garnish.
- Get an invite link from a person you know. It has to be a personal invite link and you have to be a new CoinTracker customer. There is no public code, and no way to add the link afterwards. If nobody you know uses it, you may still get the public 10%, if it is still offered.
- Turn off the ad blocker and allow cookies for the signup. This is a one-minute precaution against a silent failure.
- Read the number on the Subscription page before you pay. It should say 20%. If it says 10%, the invite link did not register and you are on the public offer; if it says nothing at all, stop and start again from the link.
- Do not run ads on the brand, and do not post the link on a deal site. Cello prohibits paid advertising, bidding on brand terms, and posting referral links on deal-sharing websites or public coupon platforms.
The terms are not CoinTracker’s
CoinTracker’s help article is a page of friendly bullets. The document that actually governs the money is Cello’s terms of service, version dated October 1, 2025, and Cello has no relationship with you at all.
The reward can change while you are earning it. In Cello’s phrasing, the exact content of the referral reward is dynamic. The 20% is what CoinTracker’s help article says today; check the checkout screen.
Deal sites and coupon platforms are barred. Referral links may not go on deal-sharing websites or public coupon platforms in a way that implies a general sale or public promotion.
Any violation forfeits the reward outright. Manipulating tracking, self-referring, routing through friends or family, paid ads, brand bidding, deal sites: the stated consequence is forfeiture of the right to a reward you have already earned.
The whole thing can end if the partnership does. Cello can discontinue the program if it stops working with CoinTracker, without reference to you.
What nobody states. Neither document says what happens to a reward if the subscription is refunded. There is no written clawback rule, no geographic restriction and no end date.
Is it worth your time?
If you were buying a paid plan anyway, ask a friend for their invite link. It costs you a message, and in July it doubled a discount anyone could get. Hold it in proportion, though: in July the honest size of the favor was ten points, and a tax tool earns or loses you far more through whether it reads your exchange history correctly than through any discount. Two minutes of care at signup, and one glance at the number on CoinTracker’s own checkout, is worth more than the coupon hunt.
