Crypto Tax Software Compared: What CoinTracking, Blockpit, Koinly, Divly and Waltio Cost

Crypto tax software costs between €39 and €999 a year depending on the provider and the number of transactions, and the pricing is not built to be compared: some bill annually, others charge once per tax year. On September 2, 2026 we retrieved the pricing pages of five providers and laid their tiers side by side. cryptoticker.io collected this data itself on September 2, 2026.

The result first: the cheapest entry point sits close together at all five providers, at €39 to €49. The prices only diverge above roughly a thousand transactions a year. That is where it is decided whether the same volume of data costs you €89 or €249.

What crypto tax software does and what it cannot deliver

Crypto tax software is a program that reads in your purchases, sales, swaps and inflows from various exchanges and wallets, applies a valuation method to them and produces a report that you transfer into your tax return. The import runs through the exchanges' application programming interfaces, through uploaded trading files or through the public address of a wallet.

The distinction matters. These programs replace neither a tax adviser nor a legal review. What they organize is data; the decision on how a single transaction is to be treated in your case remains yours. For staking, lending, airdrops and wrapped tokens the providers' classifications diverge from one another, and none of the default settings is therefore automatically the right one for you.

If you first want to know which transactions count for tax at all, the basics are in our overview of holding period, FIFO and the exemption threshold for monthly purchases. An overview of the programs themselves is in the comparison of crypto tax tools and portfolio trackers.

The survey: ten addresses, five providers, one cut-off date

The method in one sentence: on September 2, 2026 we retrieved ten pricing and provider addresses from five crypto tax providers over HTTP, read out the German-language pricing section reachable in each case and took over the tier names, annual prices and transaction limits unchanged.

Four of the five pricing pages were directly readable and answered with status code 200: CoinTracking, Blockpit, Divly and Waltio. Koinly blocks automated requests and answered with status code 403. The price figures for this provider therefore come from research and are marked as such below. Two further addresses, CoinTracker and Accointing, also blocked and are left out.

What this survey does not deliver is set out in a section of its own further down. For now only this much: we collected prices and did not test programs. A test requires our own user accounts and our own data set, and we have neither.

CoinTracking: four tiers from €39 to €769 a year

CoinTracking bills in the classic annual subscription. On the day of the survey the provider's pricing page showed four paid tiers: Starter at €39 a year with 200 transactions, Pro at €129 with 3,500 transactions, Expert at €219 with a range of 20,000 to 100,000 transactions and Unlimited at €769 with no volume cap. For companies the page names a Corporate package from €1,599 a year for three unlimited accounts.

Alongside that sits a free variant limited to the portfolio view, plus a seven-day trial period with unlimited imports. The page also advertises two-year packages and lifetime access. We did not collect those prices, because they become visible only during the ordering process.

The jump from 200 to 3,500 transactions is the most expensive step in this tier structure. Anyone with 250 transactions a year already pays CoinTracking's Pro price and uses less than a tenth of the allowance.

Blockpit: a one-off payment per tax year instead of a running subscription

Blockpit sells the tax report as a one-off payment per tax year and not as a continuing subscription. The German-language pricing page lists five tiers: Small at €49 up to 50 transactions, Medium at €99 up to 1,000, Large at €149 up to 3,000, X-Large at €229 up to 10,000 and XX-Large at €549 above 10,000 transactions.

Pure portfolio tracking is free at Blockpit. In addition the page names an add-on package called PLUS at €3.99 a month with annual billing, a half-hour Expert Check at €99 and advice from €199 an hour. For proof of the source of funds there are credit packages from €19.99 for one to €79.99 for five confirmations.

The one-off model has a consequence that often gets lost in price tables. Anyone who has to work through three past tax years pays Blockpit three times. With CoinTracking's annual subscription, by contrast, one paid year covers the analysis of the entire imported record.

Koinly: free tracking, paid export of the tax report

Koinly blocks automated requests. On the day of the survey the pricing page answered with status code 403; in a reader's browser it is reachable as normal. The following figures therefore come from research and not from our own retrieval: according to consistent statements by German-language specialist portals, the prices are €39 a year for 100 transactions, €89 for 1,000 and €169 for 10,000 transactions.

What sets this provider apart is the shape of its free tier. Tracking the portfolio and generating the report are possible without payment; what is paid for is the export of the finished tax report, and that per tax year. For German investors the same sources name an additional effort, because the figures for the Anlage SO have to be transferred by hand.

Divly and Waltio: two smaller providers with clear tiers

Divly sets its free tier strikingly wide: portfolio tracking with up to 25,000 transactions, plus an unlimited number of blockchains, wallets and exchanges. The three paid packages are called Essentials at €39, Experten-Check at €99 and Rundum-sorglos at €599, each as a one-off purchase. How they map onto the transaction classes, and the page names classes up to 100, up to 1,000, up to 10,000 and up to 100,000 transactions, resolves only during the ordering process. Which package price belongs to which class was something we could not conclusively determine from outside.

Waltio shows the clearest tier structure in the field. After the free tier come Lite at €39 with 50 transactions, Starter at €99 with 1,000, Smart at €249 with 10,000 and Unlimited at €999 with no volume cap. The provider comes from France. Whether the German reporting section is sufficient in your case is something you should check against the sample report before buying.

Price per transaction: where the tiers tip over

The list price alone says little. More meaningful is what a tier costs per transaction if you actually use it up. At a thousand transactions a year, Blockpit Medium and Waltio Starter are level at €99 each, Koinly sits below them at €89 according to the researched figures, and CoinTracking charges €129 for the matching Pro tier, which covers 3,500 transactions.

Above ten thousand transactions the picture turns. Waltio asks €249 for the Smart tier, Blockpit €229 for X-Large, CoinTracking €219 for Expert with an upper limit that, depending on the arrangement, reaches 100,000 transactions. Anyone with very many transactions comes off cheaper at the providers with widely drawn upper tiers.

There is one number you should know before you buy, and it is your own: how many tax-relevant transactions did you really have last year? Every swap from one coin into another counts, every fee entry can count, and automated savings plans generate twelve or fifty-two transactions a year without it feeling like trading.

Anlage SO, FIFO and the holding period: which feature counts for German investors

FIFO stands for first in, first out and describes the assumption that the units bought first also count as the ones sold first. This method determines which acquisition price is assigned to a sale, and with it the size of your gain.

For private investors in Germany the holding period hangs on this. Under Section 23 of the German Income Tax Act, a private disposal transaction covers other assets where the period between acquisition and disposal is not more than one year. For the total gain of a calendar year the same provision names an exemption threshold: gains remain tax-free if the total gain achieved from private disposal transactions in the calendar year came to less than €1,000.

In practice this means: a program is usable for you only if it carries the holding period per inflow, relates the exemption threshold to the calendar year and outputs the figures in a form you can enter into the Anlage SO. Providers differ noticeably on this last point, and that is exactly what you should look at in the sample report before you pay.

How the exemption threshold plays out with ongoing purchases is something we have worked through using the example of monthly savings plans. Anyone who has already realized gains should also keep an eye on the advance tax payment.

Exchange export and interface: where most analyses fail

The biggest source of error is the data situation itself. Exchanges deliver export files of varying completeness, some only for limited periods, some without fees, some with divergent timestamps. If a single inflow is missing, the software calculates with an acquisition price of zero and reports a gain that is too high.

That is why the question of the export belongs in the choice of your trading venue, long before the tax return. Our comparison of crypto exchanges shows which providers supply an interface and how far back their history data reaches. Anyone leaving an exchange should download the complete export while the account is still open.

In 2026 this is no theoretical worry. Several trading venues have ceased operations or delisted tokens, and with the account the access to the trading history usually disappears as well.

DAC8 and the record-keeping duties: why documentation is becoming more important

DAC8 is the eighth amendment to the EU directive on administrative cooperation and obliges providers of crypto-asset services to report details of their users and those users' transactions to the tax administration, which then exchanges this data between the member states. The obligations have applied since January 1, 2026. According to consistent specialist accounts, the first report for the year 2026 is due by July 31, 2027.

In parallel, the German Federal Ministry of Finance set out detailed requirements on tax filing, cooperation and record-keeping duties for crypto assets for the first time in its letter of March 6, 2025. According to the accounts of several tax firms, taxpayers should regularly retrieve and retain the transaction overviews made available by foreign trading platforms; missing records count against them.

For the choice of a software this means two things. The complete import gains in importance, because your figures may in future stand alongside reported data. And the archive becomes more valuable: a program that permanently holds the imported raw data and makes it exportable helps you more with a later query than one that only outputs a finished report.

What this survey does not show

We collected prices and did not test programs. Without our own user accounts and without our own data set, there is no way to check how well an import actually works, nor how a provider classifies staking, lending or wrapped tokens.

Three further limits belong with this. The prices for Koinly come from research, because the pricing page blocks automated requests. With Divly it was not possible to resolve from outside which package price applies to which transaction class. Discount campaigns, two-year packages and lifetime access become visible at several providers only during the ordering process and are not contained in this analysis.

Prices also change continuously. The cut-off date of this survey is September 2, 2026, and every figure in this article refers to that day.

How to turn the figures into a decision

What makes sense is an order of steps that begins with your data and not with the price. First count your transactions from the past year. Then check whether the exchanges and wallets you use are supported by the provider. Only after that look at which tier covers that. A cheap package that does not read in your trading venues will cost you more than an expensive one that does.

Anyone with only a few purchases a year who keeps to the holding period frequently needs no paid package at all, but a clean statement and the records to go with it. As soon as swaps, staking inflows or several trading venues come together, the calculation tips the other way. For the classification of stablecoin transactions we have looked at USDT, USDC and EURC separately.

Choosing crypto tax software: what you take away from this

1. Count your transactions before you choose a tier. The prices separate only above roughly a thousand transactions a year; below that all five providers sit between €39 and €99. The tiers and features are in the comparison of crypto tax tools and portfolio trackers.
2. Secure the trading history while the account is open. Missing inflows produce gains that are too high, and after an account closure the history is usually gone. Which trading venues offer a usable export is shown by our comparison of crypto exchanges.
3. Check the sample report for holding period, exemption threshold and Anlage SO. Only when these three points appear in the output is a program usable for a German tax return. The tax mechanics behind it are in our article on holding period, FIFO and the exemption threshold.

(As of September 2, 2026. This article is not investment advice. Prices and fee structures change; check the terms with the provider before you buy.)