Divly, Whalebooks, Koinly and CoinTracking compared on the things that decide a Czech return: whether they know which of your sales are tax-free, whether they get 2025 right, and whether they give you numbers you can type straight into your tax return. Short version: filing in Czechia, start with Divly.
All four import your exchanges and wallets and work out your gains. They differ in how well they know the Czech rules. We ran test portfolios through Whalebooks and CoinTracking to find out.
Divly
Whalebooks
Koinly
CoinTracking
DivlyWhalebooksKoinlyCoinTracking| Criterion | Divly | Whalebooks | Koinly | CoinTracking |
|---|---|---|---|---|
| Who it is for | Czech filers who want the Příloha č. 2 figures done right without learning the tax rules | Czech accountants and companies that need postings for Pohoda or ABRA Flexi, and investors who want a Czech-made tool with a portfolio view | Investors with many unusual exchanges or heavy DeFi who are comfortable in English and will add up the Czech figures themselves | Active traders with thousands of transactions across many years who work in English |
| App in Czech | Yes | Yes | No; English | No; English |
| Support in Czech | Yes, chat on weekdays | Email; Czech help centre; support language not published | No; English | No; English and German |
| Czech tax report | Bilingual, laid out in the Příloha č. 2 rows with lines 207–209 and line 40; exempt income shown separately | A Czech tax statement with tax base, proceeds and costs; not laid out in the Příloha č. 2 rows | No: the generic "Complete Tax Report" | A report with Czech settings, in English; names the exemptions, not laid out in the Příloha č. 2 rows |
| 3-year exemption, judged per purchase | Applied automatically | Applied automatically (confirmed in our test) | Not applied | Applied per purchase (confirmed in our test) |
| 100 000 Kč exemption, stablecoins excluded | Applied automatically | Applied automatically, stablecoins excluded (confirmed in our test) | Not applied | Not quite: in our test it treated some taxable sales as tax-free |
| Sales before 15 February 2025 kept apart | Yes | Yes (confirmed in our test) | No | No: got it wrong in our test |
| Cost basis | FIFO per purchase, across all wallets | FIFO, HIFO or LIFO per purchase | FIFO and others; per-wallet option | FIFO and 10 other methods; per-wallet lots on by default |
| Pricing | Per tax year, in koruna: 799 Kč to 7 999 Kč for up to 100 to 100,000 transactions | Per year, in US dollars: $110 a year for 50,000 transactions counted over the life of the account | Per tax year, in US dollars: $49 to $199+ | Per year or lifetime, in euros: €39 to €769; transaction limits count all years together |
| Free to start | Yes, pay when you want the report | Yes | Yes, pay to download | Free plan has no tax reports |
| Worth knowing | Does not file the return for you; you enter the figures in MOJE daně | Bookkeeping exports for Pohoda and ABRA Flexi; the statement is written as a basis for your adviser | Coinmate by API; the Czech figures are added up by hand | Coinmate by CSV; Anycoin not supported |
| Expert help | Peace of Mind, from 2 399 Kč: an expert reviews your account and tells you what to fix. Full Service, from 14 599 Kč: an expert does it all for you, previous years included. Both include the tax report. Peace of Mind · Full Service | An "I am looking for an accountant" form; consultations on the Accountant plan | An expert review service exists; not listed for Czechia | Full-service and review packages, priced in US dollars and euros |
In Czechia a sale can be tax-free: coins you held for more than 3 years, or a year in which everything you sold adds up to 100 000 Kč or less. Which of your sales qualify depends on when you bought each coin, which is hard to track by hand.
DivlyChecks every sale against both rules and shows you which one made it tax-freeWhalebooksBoth rules correct in our testCoinTrackingThe 3-year rule right; some taxable sales treated as tax-free in our testKoinlyNeither rule applied; you work them out yourself
Your crypto goes into the tax return as "other income", in a small table: what you received, what it cost you, and the difference, with a few lines that add them up. The closer a report matches that table, the less you have to add up yourself.
DivlyPrints exactly those table rows and summary lines, with four steps for the online tax portalWhalebooksGives you the right totals; which box they go in is up to youKoinly, CoinTrackingA gains report in English; you work out which box gets what
The tax-free rules only started on 15 February 2025. Sales before that date are taxed in full, 2025 is split in two, and from 2026 the rules apply all year. A tool has to know which rules applied when you sold.
DivlyUses the right rules for each year and lists your tax-free sales separatelyWhalebooksSeparate rules per periodCoinTrackingGot 2025 wrong in our testKoinlyNo 2025 rule changeCzech and foreign, including wallets you only used for transfers.
Oldest coins sold first; check the 3-year rule and the 100 000 Kč limit; keep stablecoin sales apart.
In the "other income" table (Příloha č. 2): one row per type of income with what you received and what it cost, then the summary lines.
1 April on paper, or the start of May electronically. Keep your transaction history as evidence for the exemptions.
Divly's Czech guide walks through every screen: Zdanění kryptoměn v Česku.
"I opened the website's live chat expecting the usual chatbot; to my surprise a human answered. Within minutes I had set up my account and uploaded the CSV file. The user-friendly interface and comprehensive tax reports make the tax return a stress-free experience."
"This is my third time using Divly for my crypto taxes, and they continue to impress. Everything was handled with precision and clarity. Their customer support is honestly next level."
"Great customer service, I can recommend Divly for all crypto people, I wouldn't be able to declare without them."
Divly, if you file in Czechia: it works in Czech, lays the report out in the Příloha č. 2 rows with lines 207–209 and line 40, and applies the 3-year and 100 000 Kč exemptions for you. Whalebooks is the better fit for accountants and companies that need Pohoda or ABRA Flexi exports. Koinly suits investors with unusual exchanges or heavy DeFi who are comfortable in English. CoinTracking suits high-volume traders catching up several years at once.
Not always. With a few sales on one exchange, clearly under 100 000 Kč for the year and nothing else, you owe nothing and need only keep proof. With several platforms, swaps between coins, staking, transfers between your own wallets, or any year near the 100 000 Kč limit, a calculator is the practical route: it keeps the FIFO queue per purchase, applies both exemptions and shows which rule freed each sale.
Yes. Every sale is split by purchase under FIFO; the part held more than 3 years is set aside as tax-free, and the year's non-stablecoin sales are tested against 100 000 Kč. Stablecoins are neither counted nor freed by the 100 000 Kč rule, sales before 15 February 2025 are taxed in full, and the 40 000 000 Kč cap is applied when it matters. The report shows the tax-free income separately and which rule applied.
Tax-free income is not declared at all. Whether you must file a return depends on your other income: a return is required when your taxable income for the year exceeds 50 000 Kč, or 20 000 Kč of income outside employment if you are an employee whose tax is settled by your employer. Divly's report tells you which figures count and does not replace advice.
Yes, both. We ran test portfolios through Whalebooks and the 3-year test per purchase, the 100 000 Kč test with stablecoins excluded, the 40 000 000 Kč cap and the 15 February 2025 start all came out right. In a year with a net loss it shows a negative tax base instead of zero. Its tax statement gives the tax base, proceeds and costs but is not laid out in the Příloha č. 2 rows and describes itself as a basis for your tax adviser. Divly vs Whalebooks.
Koinly is a strong international tool with a thousand integrations and Coinmate by API. For a Czech return it has limits: it produces the generic Complete Tax Report in English, does not apply the 3-year or the 100 000 Kč exemption, has no stablecoin rule and no 40 000 000 Kč cap, so the Příloha č. 2 figures are added up by hand. Divly vs Koinly (in Czech).
A report with Czech settings, in English, that names the Czech exemptions. In our tests it applied the 3-year rule correctly but treated some taxable sales as tax-free, and taxed too little on a very large sale. The report is not laid out in the Příloha č. 2 rows, the app has no Czech language, and Coinmate imports by CSV only. Divly vs CoinTracking (in Czech).
Yes. Divly supports every tax year and applies the rules in force in each year: no exemptions through 2024, the split year 2025, and both exemptions from then on.
Divly does not file the return: you enter the figures in MOJE daně yourself, with Divly's step-by-step guide. It does not produce bookkeeping postings for Pohoda or ABRA Flexi, does not handle business traders under § 7, and does not count shares or other securities toward the 40 000 000 Kč cap.
Import for free, check the figures, pay per tax year. If you want the other side of the comparison, the head-to-heads above go into each tool.
