Best Crypto Tax Software Finland [2025]: Divly vs. Koinly vs. Cointracker vs. Cointracking vs. Blockpit vs. Waltio

Declaring crypto taxes in Finland can feel like a unique headache. You need to navigate the rules of the Tax Administration (Verohallinto), correctly apply the FIFO method or the deemed acquisition cost (hankintameno-olettama), calculate your capital gains (pääomatulo), and report everything accurately via the OmaVero portal. The market for tax tools is confusing – how do you choose the right one for Finland?

Are you stuck with a "US-centric" tool (Koinly, Cointracker) that doesn't understand Finnish specifics? A "legacy" tool (Cointracking) that's complex and makes you pay extra every year? A "trader" tool (Blockpit) with confusing subscriptions? Or "regional" tools (Waltio) that don't even support Finland?

You don't have to compromise. This article compares all major crypto tax tools. Let's get started.

Quick Comparison:

Who Are Divly?

Divly: The Finnish specialist built for simplicity and accuracy. Perfectly handles Finnish taxes (Verohallinto rules, FIFO, hankintameno-olettama, OmaVero reporting) with a modern interface, fair Euro pricing, and expert Finnish support. The best balance of features and ease of use for Finland.

What is Koinly?

Koinly: The big generalist. They are known for their large list of integrations with blockchains and exchanges globally. Their philosophy is to offer the broadest possible coverage, making it a popular choice for full-time traders and investors.

What is Cointracker?

Cointracker: The US Generalists. Built for the American IRS, not Verohallinto. They DO NOT generate compliant Finnish reports, provide generic CSVs, require complex manual work for OmaVero, and charge in unpredictable USD. Risky and unsuitable for Finland.

What is Cointracking?

Cointracking: The Legacy Pioneer (Germany, 2012). Generates Finnish reports (Finland is a core supported country) but has a dated/complex UI, uses a costly cumulative pricing model (pay for all history every year), relies on AI/Generalist support, and its Finnish translation quality may be questionable (potentially crowdsourced).

What is Blockpit

Blockpit: The Trader's Tool (Austria). Generates Finnish reports but has a complex UI built for traders, fragmented pricing (license + subscription), and relies on an AI-Bot for support. Overkill and costly for most Finnish investors.

What is Waltio?

Waltio: The Niche Specialist (France). DOES NOT SUPPORT FINLAND at all. Irrelevant for Finnish tax filers.

User Experience:

Divly: Is designed for simplicity, specifically to make the entire Finnish tax process, including calculating gains (pääomatulo) using FIFO or hankintameno-olettama, painless. The interface guides users directly to their finished, compliant report ready for OmaVero with minimal steps, preventing errors and saving time. Follow Divly’s Finnish Guide here.

Koinly: Has focused heavily on integrations, potentially sacrificing user experience. Remains relatively complex, especially when needing to manually adapt its generic output for Finnish reporting.

Cointracker: Does not support Finland.

Cointracking: Suffers from a very complex and outdated interface (founded 2012). While it generates a Finnish report, navigating its features to ensure correctness and understand the calculations is cumbersome and not beginner-friendly.

Blockpit: Is designed for active traders, with a data-heavy interface and tools (like "Sell Simulator") unnecessary for the average Finnish investor just trying to report their capital gains via OmaVero.

Waltio: Does not support Finland.

Localized Expertise (Finnish Reports, Language & Support)

Divly: Generates automated, compliant reports tailored for Verohallinto and correctly applies Finnish rules (FIFO, hankintameno-olettama). The platform is fully in professional Finnish, and support comes from human Finnish tax specialists. Divly's proven ability to master other complex European tax systems (like Germany's and Sweden's) builds trust in its Finnish engine.

Koinly: Fails on the most critical point. No specific Finnish reports (generic CSV only). Forces complex manual work. Support lacks deep Finnish expertise.

Cointracker: Does not support Finland.

Cointracking: Generates Finnish reports but its Finnish translation quality may be unverified (potentially crowdsourced like its other non-core languages). Relies on AI and generalist support, lacking the dedicated human Finnish expertise Divly provides.

Blockpit: Generates Finnish reports and offers a Finnish interface, but relies heavily on an AI-Bot for support and its platform is overly complex for non-traders.

Waltio: Does not support Finland.

Finnish Integrations & Accuracy

Divly: Beyond integrations with major exchanges (Binance, Coinbase etc.), Divly prioritizes high-quality connections with exchanges relevant to Finnish users (e.g., Coinmotion, KvarnX), ensuring high transaction accuracy. Free guides enhance user accuracy further.

Koinly: Supports major global exchanges but may have limited or less maintained integrations for Finland-specific platforms. Accuracy is often low, requiring manual corrections.

Cointracker: Does not support Finland.

Cointracking: Has broad global exchange support but may offer limited specific focus on optimizing integrations for Finnish platforms compared to Divly. Its complex UI can still lead to medium accuracy.

Blockpit: Has broad support but focuses primarily on exchanges popular in the DACH region. Specific focus on Finnish platforms may be limited. Overall platform complexity can impact user accuracy (medium).

Waltio: Does not support Finland.

Pricing

Divly: Uses a Fair & Simple pay-per-year model priced clearly and predictably in Euros (€). One price includes all features. See Divly’s pricing here.

Koinly: Uses USD pricing. Final cost in Euros is unpredictable due to exchange rates and bank fees. Simple pay-per-year model otherwise.

Cointracker: Uses USD pricing, creating the same unpredictability and extra fees for Finnish users. Simple pay-per-year model otherwise.

Cointracking: Employs a Cumulative Penalty model. You pay for your entire transaction history every single year, making it progressively more expensive than Divly.

Blockpit: Uses a Fragmented Subscription model (annual license + separate monthly fee for full features). Confusing and potentially costly for investors who don't need trader tools.

Waltio: Pay-per-year model priced clearly and predictably in Euros (€). One price includes all features.

Conclusion: Divly Is The Best Service for Crypto Tax in Finland

While Cointracking and Blockpit offer Finnish tax reports, they come with significant drawbacks in complexity, pricing structure, and potentially unreliable support or localization. The US-centric tools (Koinly, Cointracker) are fundamentally unsuitable, and Waltio doesn't even support Finland.

For the modern crypto investor in Finland who values clarity, ease of use, and fair pricing, Divly is the clear and objectively best choice.

Divly delivers accurate, compliant reports for Verohallinto within a simple, guided user experience in Finnish that saves you time and prevents errors. Its fair Euro pricing is transparent and cost-effective. And its human-led expert support in Finnish provides peace of mind that AI bots and generalist teams cannot match.

Don't choose a tool that's overly complex, unpredictably priced, potentially uses unverified translations, or isn't truly built with the average Finnish investor in mind. Choose the platform that makes Finnish crypto taxes simple.