EN
Divly- You want to know exactly what to declare in your aangifte
- You want to see when declaring your actual return means less tax
- You want it in Dutch: app, report and support
- An expert or your own accountant can check before you file, if you like
Crypto tax software · Netherlands
Best crypto tax software for the Netherlands (2026): Divly, Koinly, Blockpit and CoinTracking compared
For a Dutch tax return, Divly tells you what to declare for box 3 and shows when declaring your actual return (werkelijk rendement) means less tax, all in Dutch. Blockpit suits Bitvavo users who are fine with English, Koinly investors with crypto on many platforms, and CoinTracking investors with a long trading history.
Assumed versus actual
The standard calculation assumes a gain. Divly shows what your crypto really did.
−17 %What bitcoin did in euros in 2025: about €90,100 on 1 January 2025, about €74,500 a year later
+5.88 %What the standard box 3 calculation assumed your crypto earned in 2025
When your actual return (werkelijk rendement) is lower than the assumed one, you can declare it and pay less. Divly works out both, so you can see which one is lower for your crypto.
Pick in ten seconds
Which one is for you?
Divly
Koinly- Your crypto is on many platforms, unusual exchanges and chains included
- You use Kraken or Revolut
- You are fine in English
- You work out the Dutch figures from a general report yourself
Blockpit- You use Bitvavo and want the partner discount
- The standard box 3 figures are enough for you
- You are fine with a report in English
- You work out your actual return yourself
CoinTracking- You have a long, large history across many exchanges
- You want portfolio tracking and a mobile app
- You want every tax year on one plan
- You work out the Dutch figures yourself
Scorecard
Five things that decide a Dutch crypto return.
DivlyKoinlyBlockpitCoinTrackingWorks in Dutch
YesApp, report and support in Dutch
NoApp and support in English; no Dutch among its report languages
NoApp in English and German; report in English
NoNo Dutch among the app's languages; report in English; support in English and German
€Shows when you can pay less tax
YesThe standard box 3 figure and your actual return (werkelijk rendement), in one report
NoIn our test, a profit figure, which Dutch tax does not use; no actual return
PartlyThe standard calculation, right in our test; no actual-return figure in the report we tested
NoIn our test, gains and a change in value; no standard calculation and no actual-return figure
📄A report built for the Dutch tax return
YesYour crypto's value on 1 January, the number the aangifte asks for, and where to enter it
PartlyA general report in English; your holdings on 1 January as a separate list
YesA box 3 report in English with your crypto's value on 1 January
PartlyA Netherlands report in English; in our test the 1 January value it printed was for the following year
⇄Where your crypto can come from
200+Exchanges, wallets and blockchains, Bitvavo, Kraken and Coinbase included
1,000+Bitvavo, Kraken and Coinbase included
750+Bitvavo (partner), Kraken and Coinbase included
400+Bitvavo (partner), Kraken and Coinbase included
👓Someone to check before you file
YesA Divly expert checks every transaction of your year (from €99), or invite your accountant
YesA paid expert review of your imports, no tax advice
PartlyExpert check for customers in Germany, Austria and Switzerland; Dutch tax advisers in its directory
YesA done-for-you service in 30+ countries
Show the full comparison table
| Criterion | Divly | Koinly | Blockpit | CoinTracking |
|---|---|---|---|---|
| Who it is for | Anyone with crypto in the Netherlands who wants to know what to declare, and whether they can pay less, in Dutch | Investors with crypto on many platforms, Kraken or Revolut included, who are comfortable with a general report in English | Bitvavo users who want the partner discount and are comfortable with a report in English | Investors with a long trading history who want portfolio tracking and every year on one plan, in English |
| Support languages | Dutch | Human support in English only | In-app chat; the app is in English and German | English and German, Monday to Friday |
| What the report contains | The standard box 3 figure, your actual return, your crypto's value on 1 January and 31 December, and what you bought and sold, in total and per coin | Capital gains, income, holdings at the start and end of the year | The standard calculation, and the value on 1 January and 31 December and what came in and went out, in total and per coin | Portfolio value at year end, change in value, realised gains, income |
| Dutch exchanges | Bitvavo | Bitvavo | Bitvavo (partner) | Bitvavo (partner) |
| Expert help | Peace of Mind, from €99: a Divly expert checks every transaction of your year. Full Service, in Dutch, from €599: an expert does it all for you. Or invite your own accountant. Peace of Mind · Full Service · Accountants | A paid expert review of your imports, no tax advice | Expert Check (€99 for 30 minutes) and Expert Service for customers in Germany, Austria and Switzerland; Dutch tax advisers in its directory | Full Service, done for you, in 30+ countries, from €999 |
| Pricing | Per tax year: €39 (100 transactions), €99 (1,000), €199 (10,000), €299 (100,000); free to import and check | Per tax year: $49 (100 transactions), $99 (1,000), from $199 (3,000 and more) | Per tax year: €49 (50 transactions), €99 (1,000), €149 (3,000), €229 (10,000), €549 (more); 35 % off the first report for Bitvavo customers | Per year of licence, counting every transaction in the account and covering every tax year: €39 (200 transactions), €129 (3,500), €219 to €389 (20,000 to 100,000), €769 (unlimited); 10 % off for Bitvavo customers |
Why it matters
Three differences you will feel at filing time.
See if you can pay less
The Belastingdienst assumes your crypto earned about 6 %. Divly also works out what it really gained or lost, so you can see when declaring your actual return (werkelijk rendement) means less tax.
DivlyThe standard box 3 figure and your actual return, in one reportKoinlyIn our test, a profit figure, which Dutch tax does not useBlockpitThe standard calculation, right in our test; no actual-return figure in the report we testedCoinTrackingIn our test, a gains report with no standard calculation and no actual-return figure
Know exactly what to declare, in Dutch
Divly's report gives your crypto's value on 1 January, the number the aangifte asks for, and tells you where to enter it.
DivlyYour crypto's value on 1 January and where to enter it, in a Dutch reportKoinlyA holdings list in a separate English reportBlockpitThe same value, in an English reportCoinTrackingIn our test, the value in its report was for the following year
Someone to check before you file
Ask Divly's support in Dutch, have an expert check every transaction of your year from €99, or let one do it all for you. You can also invite your own accountant.
DivlySupport in Dutch; a Divly expert checks every transaction of your year (from €99), or invite your accountantKoinlyA paid review of your imports; support in EnglishBlockpitExpert help for customers in Germany, Austria and SwitzerlandCoinTrackingA done-for-you service in 30+ countries; support in English and GermanHow a Dutch crypto return works
Four steps from your exchanges to the Belastingdienst.
Add every exchange and wallet to Divly
Bitvavo, Kraken and Coinbase included, so all your crypto is counted.
Divly works out your box 3 figure and your actual return
The standard box 3 figure and what your crypto really gained or lost in the year, both in one Dutch report.
Enter the 1 January value in your aangifte
Tick "Cryptobezittingen" under "Bankrekeningen en andere bezittingen" and enter the value from Divly's report.
If your actual return is lower, add it when the aangifte asks
Enter the figures from Divly's report when the aangifte asks about your actual return. The Belastingdienst then uses whichever gives the lower tax. Its page on giving your actual return in the aangifte shows how.
From Divly users
What people say after filing with Divly.
★★★★★
"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. Quick responses, clear answers, and they go above and beyond to help. Considering how affordable it is, the value you get is exceptional. Highly recommended. I used the 'Peace of Mind' package and the help I received was outstanding."
★★★★★
"Divly is by far the clearest site for declaring crypto trading. I tried Koinly once and found Divly instead, which is […] more user-friendly, and you get the best support you could wish for."
★★★★★
"I had about 400 transactions in 2025 and no idea how to declare them. […] I got very good, fast help with my return, and the site is very user-friendly and clear for uploading all my crypto wallets and transactions."
★★★★★
"I recently required a comprehensive account review of my historic cryptocurrency transactions (2018–2022) to ensure full accuracy for official tax documentation. The team at Divly […] provided absolute top-tier support. They went above and beyond to manually process complex historic transactions […] ensuring every single detail was perfectly synchronized."
★★★★★
"Great service. Ruben made sure to make feel welcome and helped me every step of the way! He is very knowledgeable on crypto and taxes. I will make sure to use the service again in 2027."
★★★★★
"Declaring crypto yourself can be hard and overwhelming; with Divly's service and its accommodating team, who helped me with a couple of difficult or unusual transactions, it became easy."
FAQ
Quick answers.
How is crypto taxed in the Netherlands?
Crypto falls in box 3. You are not taxed on what you sell, but on an assumed return (fictief rendement) on what your assets were worth on 1 January. For crypto the assumed return is 5.88 % for 2025 and 6.00 % for 2026, taxed at 36 %, as the Belastingdienst's page on crypto sets out. That applies above a tax-free amount of €57,684 (2025) or €59,357 (2026) per person.
What do I enter in my aangifte for crypto?
The total value of your crypto on 1 January of the tax year. Tick "Cryptobezittingen" under "Bankrekeningen en andere bezittingen" and enter that value, as the Belastingdienst's page on crypto in the aangifte describes; for 2024 and earlier years the box is called "Overige bezittingen". Divly's report gives you the number and tells you where to enter it.
What is werkelijk rendement, and when does it lower my tax?
Werkelijk rendement is your actual return: what your assets really gained or lost in the year, including price changes on crypto you did not sell. From tax year 2025 the aangifte asks whether you want to give it. If you do, the Belastingdienst works out the tax both ways and uses the lower one, so you never pay more. It can help in a year your crypto fell, or rose less than the assumed return. In 2025, for example, bitcoin ended the year about 17 % lower in euros (about €90,100 on 1 January 2025, about €74,500 on 1 January 2026), while the standard calculation assumed a gain of 5.88 %. Your actual return is worked out from the value on 1 January and 31 December and what you bought and sold. You give it for all your box 3 assets together, so Divly's figure is the crypto part. The tax-free amount is not applied in this calculation.
Do I pay tax when I sell or swap crypto?
Not as such. In box 3 a sale or a swap is not taxed by itself: the tax is based on what your crypto was worth on 1 January. A sale or swap only comes into play if you give your actual return (werkelijk rendement).
Can I just use my exchange's annual overview?
Yes, if all your crypto is on one exchange and you only need the 1 January value: your exchange's annual overview (jaaroverzicht) is enough, and the Belastingdienst's checklist for the aangifte names it. A calculator earns its place when you have several exchanges or wallets, or want your actual return worked out.
Does my exchange report to the Belastingdienst?
Yes. From 2026 crypto exchanges report their customers' data to the Belastingdienst, for the first time by 31 January 2027; the Belastingdienst sets this out in Meer zicht op cryptotransacties. You still file your own return; the Belastingdienst now also has the totals.
Which tax years does Divly cover?
Divly covers Dutch tax years from 2018 onward, each with its own year's rate for the standard calculation. You pay per tax year for the report you want.
Sources
- Belastingdienst: crypto in the aangifte (the value on 1 January, "Cryptobezittingen", 5.88 % for 2025 and 6.00 % for 2026), the 2026 calculation and the rates of earlier years; werkelijk rendement, giving it in the aangifte and which details to submit; the tax-free amount; the checklist for the aangifte; exchanges reporting from 2026: Meer zicht op cryptotransacties and Cryptovaluta.
- Bitvavo: BTC-EUR daily prices, 1 January 2025 and 1 January 2026.
- Koinly: pricing, integrations and help centre (reports, support, expert review), 9 November 2026; Kraken's Netherlands tax guide and Revolut's Dutch help centre; our own test in Koinly, 9 November 2026.
- Blockpit: pricing, integrations, help centre (languages, expert help) and adviser directory, 9 November 2026; Bitvavo's help centre; our own test in Blockpit, 9 November 2026.
- CoinTracking: pricing, help centre (Netherlands tax report, support) and Full Service page, 9 November 2026; Bitvavo's help centre; our own test in CoinTracking, 9 November 2026.
- Trustpilot reviews of Divly (last 12 months).
Our recommendation
Filing in the Netherlands? Start with Divly.
Import everything for free, check the figures, and pay per tax year when you want the report. If you would rather have someone check first, a Divly expert checks every transaction of your year from €99.
