Divly, CoinTracking, Koinly and Coinpanda compared on the things that decide a Finnish return. Short version: filing in Finland, start with Divly.
All four import your exchanges and wallets and work out your gains. They differ in what happens with Finnish rules: the deemed acquisition cost, OmaVero's fields, the 2026 split between Finnish and foreign services, and the Finnish exchanges. Divly is also an official partner of the three Finnish crypto exchanges: Coinmotion, Northcrypto and Kvarn X.
Divly
CoinTracking
Koinly
Coinpanda
DivlyCoinTrackingKoinlyCoinpanda| Criterion | Divly | CoinTracking | Koinly | Coinpanda |
|---|---|---|---|---|
| App in Finnish | Yes | Yes | No; Finnish marketing pages only | No; Finnish marketing site only |
| Support in Finnish | Yes, chat on weekdays | No; English and German | No; English | Not stated |
| Finnish tax report | Bilingual and built on Vero's MyTax instructions: a per-currency format for tax year 2025 and earlier, the Finnish/foreign format for 2026; other capital income; mining as earned income | Finland-labelled report with EUR gain/loss columns; not laid out in OmaVero's fields | "Lomake 9" file with profits and losses per asset, following the standard capital gains instructions | General "Complete Tax Report"; no Finland-specific form |
| Finnish vs foreign services (tax year 2026) | Yes | No | No | No |
| Attachment for OmaVero | Yes: the yearly transaction list, one line per sold lot | Yes: the transaction list in its tax report | Yes: the Koinly tax report | Yes: its PDF tax report |
| Deemed acquisition cost | Automatic on every sale; 20 % or 40 % | Automatic on every sale; 20 % or 40 % | Not supported; requested since November 2021 | Not applied |
| Cost-basis methods | FIFO as Vero applies it, all wallets or per wallet | 11 methods; per-wallet "depot separation" | FIFO recommended for Finland; wallet-based tracking | FIFO default; LIFO, HIFO, average cost |
| Coinmotion / Northcrypto / Kvarn X | File / API or file / File; official partner of all three | No / CSV or API / No | CSV / CSV / not listed | CSV / not listed / not listed |
| Integrations | 200+ | 400+ | 1,000+ | 900+ |
| Previous years | All years, each year's rules applied | All years in one licence | Per tax year | Per tax year |
| Pricing | Per tax year: €39 (100), €99 (1,000), €199 (10,000), €399 (100,000) | Per year or lifetime, counting every transaction you have ever made: €39 (200), €129 (3,500), €219 (20,000), €289 (50,000), €389 (100,000), €769 unlimited | Per tax year: €49 (100), €99 (1,000), €199 (3,000), €299 (more than 3,000) | Per year, counting the previous year's transactions: $79 (100), $149 (1,000), $289 (3,000), $499 (20,000) |
| Free plan | Yes: import and review for free, pay for the tax report | Yes: import and review for free, pay for the tax report | Yes: import and review for free, pay for the tax report | Yes: import and review for free, pay for the tax report |
| Expert help | Peace of Mind, from €99: an expert reviews your account and tells you what to fix. Full Service, from €599: an expert does it all for you, previous years included. Both include the tax report. Peace of Mind · Full Service | Full Service, done for you, from €999 | Expert Review add-on, €999 per tax year: a data-import specialist checks your wallets for missing data, fixes negative balances and missing purchase history, and reviews tags such as rewards, staking and liquidity provision. No tax advice. | Not offered |
Vero lets you deduct 20 % of the selling price (40 % after 10 years) instead of the real cost whenever that gives a lower gain. The choice is made sale by sale, so with hundreds of sales it adds up.
DivlyPicks the lower gain on every sale and shows what it savedCoinTrackingAlso checked on every saleKoinly, CoinpandaNot applied; you work it out yourself
OmaVero wants gains and losses as separate entries, each with selling price, acquisition cost and selling costs, and the transaction history attached. The closer the report matches those boxes, the less you retype.
DivlyFollows the instructions step by step, with a separate format for 2025 and earlier and for 2026CoinTracking, KoinlyA Finland gains report or a Lomake 9 file, not Vero's crypto-specific formatCoinpandaA general report, as for most countries
From tax year 2026, Finnish exchanges (Coinmotion, Northcrypto, Kvarn X) report their own tax calculations to Vero, and OmaVero asks for them separately from foreign exchanges and wallets, so the same sales are not declared twice. An exchange only sees its own history: coins moved in from elsewhere arrive without a known purchase price, which tends to overstate the gain.
DivlyGroups them the way OmaVero asks and tracks transfers to, from and between the Finnish exchanges, so you can check what they reported and correct itThe other threeNot split; you separate them and check the exchanges' figures yourselfFinnish and foreign, including wallets you only used for transfers.
FIFO, with the deemed acquisition cost checked on each sale, gains and losses kept apart.
Capital income → Luovutusvoitot: one entry for gains, one for losses; from 2026, Finnish and foreign services separately.
As "Kryptovarojen liite", before your personal due date in April.
Divly's Finnish guide walks through every OmaVero screen: Kryptovaluutta verotus – oppaasi.
"This is my third time using Divly for my crypto taxes, and they continue to impress. Everything was handled with precision and clarity."
"It went really well, even though it was definitely not an easy job. The data had to be dug up from several years, several exchanges and wallets."
"Fast service. The personal service worked well too. The documents I needed were easy to download."
Divly, if you file in Finland: Finnish app and support, a report that follows Vero's MyTax instructions for each tax year, and the deemed acquisition cost applied automatically. CoinTracking suits heavy DeFi and derivatives traders, Koinly suits users of niche exchanges and chains, Coinpanda is a portfolio tracker with a general report.
Not always. A handful of trades on one Finnish exchange can be worked out by hand. With several platforms, staking, DeFi or transfers between your own wallets, a calculator keeps the FIFO queue, checks the deemed acquisition cost on every sale and produces the attachment.
Yes. On every sale Divly compares the real acquisition cost plus selling costs with 20 % of the selling price (40 % after 10 years) and uses whichever gives the lower gain, as Vero allows. The report shows which rule applied to each sold lot.
It is a strong international tool. For a Finnish return it lacks the deemed acquisition cost, the 2026 Finnish/foreign split and Finnish language; its Lomake 9 file follows the standard capital gains instructions rather than Vero's crypto-specific ones. Divly vs Koinly.
Largely. Finland has its own report, FIFO and the deemed acquisition cost are available, and the app can be used in Finnish. It does not split Finnish and foreign services for 2026, and Coinmotion and Kvarn X are not supported. Its plans include every tax year but count every transaction you have ever made. Divly vs CoinTracking.
No. Sweden and Norway get K4 and RF-1159B; Finland gets the general "Complete Tax Report", with no deemed acquisition cost. Divly vs Coinpanda.
The four tools count transactions differently.
Yes. Divly supports every tax year and applies the rules in force in each year, so a late return or a correction uses that year's treatment.
Yes. From tax year 2026, Finnish exchanges such as Coinmotion, Northcrypto and Kvarn X report tax calculations for their customers to Vero, and OmaVero asks you to declare Finnish and foreign services separately. Keeping the two apart stops you declaring the same sales twice. An exchange can only see its own history, though: coins you moved in from another exchange or wallet arrive without a known purchase price, so its calculation often overstates the gain, and with it your tax. Divly works with the Finnish exchanges and follows transfers to, from and between them, so you can compare what the exchange reported with what Divly calculates and correct your declaration. You still file your own return; Vero now knows the figures the Finnish exchanges reported, so your return should explain any difference.
It does not file the return: you enter or check the figures in OmaVero yourself, with Divly's step-by-step guide. It does not calculate mining expenses or gift and inheritance tax.
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.
