Best Crypto Tax Software for EU and Dutch Users

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Choosing the best crypto tax software as a Dutch or EU user is not the same as choosing it in the US or UK. Many tools are built around capital-gains reports, while the Netherlands mostly taxes the value of your crypto on 1 January. This guide compares two tools we use as our picks, Divly and Koinly, on features, pricing and how well they fit the Dutch Box 3 return. We also list a few alternatives.

Not sure how Box 3 works yet? Start with our explainer on crypto tax in the Netherlands and the 2026 Box 3 rules. Here we focus on the software side.

Do you need crypto tax software at all?

Maybe not. If you hold a few coins on one or two exchanges and are taxed in Box 3, the figure you need is the value of your holdings on 1 January. A year-end or 1 January statement from each exchange, plus the balances of any self-custody wallets, may be enough.

Software starts to earn its keep when things get messier:

• you use several exchanges, wallets and blockchains, and lose track of balances;
• you received staking rewards, airdrops or DeFi income and want a clean record;
• you want to use the Box 3 counter-evidence scheme (tegenbewijsregeling), where you show that your actual return was lower than the deemed return. That needs a reliable transaction history;
• you live in another EU country that taxes gains on disposal, such as Germany or France, where cost-basis calculations matter a lot.

One more reason to keep records in order: under the EU’s DAC8 rules, crypto providers report customer data to tax authorities from 2026. The Belastingdienst will increasingly see what you hold.

How we compared

We looked at the official websites of each provider in October 2026 and compared five things: exchange and wallet imports, Dutch report support, price per tax year, how billing works (one-off or subscription), and where the company is based. We have not audited their calculations, and you remain responsible for what you file.

Divly: our pick for Dutch Box 3

Divly is a Swedish company, so it is EU-based, and it focuses on European tax rules. For the Netherlands it offers a tax report tailored to Dutch rules, with an explanation of how to use it in your Belastingdienst return. That makes it the most direct fit for Box 3 of the two tools here.

• Imports: connections and CSV imports for many exchanges and wallets, including Binance, Bitstamp and Ledger.
• Dutch support: yes, a report made for the Netherlands, with guidance for the Box 3 return.
• Pricing (October 2026): free account for portfolio tracking. The Essential tax report starts at €39 per tax year, and the price depends on how many transactions you made that year. “Peace of Mind” (an expert reviews your account) costs €99, and the Full Service package with a dedicated expert costs €599.
• Billing: one-off payment per tax year, no subscription. You can import and check everything before you pay.
• Privacy: Divly says it needs only an email address and your transaction data, with no identity check.

Koinly: our pick for complex portfolios

Koinly is a large, international tool used in more than 140 countries. Its strengths are broad import support (750+ exchanges and wallets), automatic matching of transfers between your own wallets, and good handling of DeFi, staking, NFTs and margin trades.

• Imports: exchange API sync, CSV import, automatic sync for EVM chains, Solana, Cardano and others, and xPub import for Bitcoin wallets.
• Dutch support: Koinly supports the Netherlands and has a Dutch-language website. Its reports are largely built around gains and income, which matter less for Box 3, so check that you can read off your holdings’ value on 1 January. It does not fill in the Belastingdienst return for you.
• Pricing (October 2026): free to import and preview. Paid plans per tax year: Newbie $49 (up to 100 transactions), Hodler $99 (up to 1,000) and Trader from $199 (3,000+). Prices may show in euros depending on your region.
• Billing: one-off payment per tax year, no automatic renewal. Koinly offers a 7-day refund if you have not generated a report yet.

Koinly makes most sense if you have a lot of transactions, use DeFi, or might move to (or also file in) an EU country that taxes capital gains.

Divly vs Koinly at a glance

• Best fit for Dutch Box 3: Divly, because of its tailored Dutch report and filing guidance.
• Best fit for heavy DeFi or many wallets: Koinly, because of its larger import library and transfer matching.
• Lowest paid entry price: Divly (from €39) vs Koinly (from $49).
• Company base: Divly in Sweden (EU); Koinly is international.
• Both: free to try, one-off payment per tax year, no subscription lock-in.

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Alternatives worth knowing

Other tools you may come across include Blockpit (Austria, which also took over Accointing), CoinTracking (Germany), Waltio (France, focused on French taxes) and CoinLedger (US). Check whether a tool explicitly supports your country before paying for it. We have no affiliate relationship with these providers.

Tips before you file

• Save a statement of every account’s value on 1 January, even if you use software.
• Check imported balances against what your exchanges show. Missing transfers are the most common cause of wrong totals.
• Use only read-only API keys when connecting an exchange, never keys that can trade or withdraw.
• Be wary of “tax refund” emails or calls about crypto. They are a common phishing trick; see our guide on how to spot crypto scams.
• When in doubt, ask the Belastingdienst or a tax adviser. Software helps you prepare, but it does not replace advice.

Bottom line

For most Dutch users with a straightforward Box 3 situation, Divly is the more natural fit, thanks to its Dutch report and filing guidance. Koinly is our pick if your portfolio is complex or spread across many chains. Both let you import and check your data for free, so you can try them before spending anything.

Sources: official websites and pricing pages of Divly and Koinly, Belastingdienst information on Box 3 and DAC8 (checked October 2026). Information as of October 2026. Not tax advice. The Divly and Koinly links on this page are affiliate links; neither provider paid for or reviewed this article.