Both know which of your sales are tax-free; we tested them. Divly gives you the numbers to type straight into your own tax return; Whalebooks is the Czech-built tool with bookkeeping exports for accountants and companies.
Both tools work in Czech, import your exchanges and wallets, and work out which of your sales are tax-free the way the law sets it. The difference is what you get at the end: Divly gives you the numbers ready to type into your tax return; Whalebooks gives you a tax statement for your adviser and postings for Pohoda or ABRA Flexi.
DivlyCzech return
WhalebooksAccountants and companies
DivlyWhalebooks| Criterion | Divly | Whalebooks |
|---|---|---|
| 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 |
| App in Czech | Yes | Yes |
| Support in Czech | Yes, chat on weekdays | Email; Czech help centre; support language and hours not published |
| Czech tax report | Bilingual, laid out in the Příloha č. 2 rows: Příjmy, Výdaje and Rozdíl per row, lines 207–209 and line 40; exempt income on its own page | A tax statement with tax base, proceeds and costs for trading, staking and exempt transactions; not laid out in the Příloha č. 2 rows; described as a basis for your tax adviser |
| 3-year exemption, per purchase | Applied automatically; the anniversary itself still taxable | Applied automatically; our test confirmed the anniversary and a sale drawing on two purchases |
| 100 000 Kč exemption | Applied automatically on the year's gross non-stablecoin sales | Applied automatically; our test confirmed the total and the stablecoin exclusion |
| Stablecoins | Excluded from the 100 000 Kč total, never freed by it; the 3-year rule still applies | Same, confirmed in our test |
| Sales before 15 February 2025 | Taxed in full, kept apart from the total | Same: a separate rule set from 1 January 2025 |
| 40 000 000 Kč cap | Applied proportionally when exempt proceeds pass the cap | Applied proportionally (confirmed in our test) |
| A year with a net loss | Costs capped at income: the row ends at 0, as § 10 requires | Losses netted, but the tax base goes negative (−20 000 in our test) |
| Staking and other rewards | Income at receipt on their own Příloha č. 2 row; costs capped per row | Income at receipt by default, tax on sale as the alternative; shown in a staking section |
| Derivatives | Their own Příloha č. 2 row; a loss paid in crypto is also a sale | Not documented |
| Cost basis | FIFO per purchase, across all wallets | FIFO, HIFO or LIFO per purchase |
| NFTs | Taxable, never exempt, outside the 100 000 Kč total | Not documented |
| For accountants | Invite your accountant into your account, or find one in Divly's accountant directory | Postings for Pohoda and ABRA Flexi; up to 10 client organisations in one account |
| Pricing | Per tax year, koruna: 799 Kč (100 transactions), 1 999 Kč (1,000), 3 999 Kč (10,000), 7 999 Kč (100,000) | Per year, US dollars: free up to 500 transactions, report included; Personal $110 for 50,000 transactions, counted over the life of the account |
| Free plan | Import, review and preview free; pay for the report | Free up to 500 transactions, with the report |
| 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 |
Divly is made for filing your own return: it gives you the numbers for the form, ready to type in. Whalebooks is made for accountants and companies: a statement for the adviser and postings for Pohoda or ABRA Flexi. Both get the Czech tax-free rules right.
DivlyYour numbers in the tax return's own layout, with four steps for the online tax portalWhalebooksTotals for your adviser, and bookkeeping exports on the Company and Accountant plans
Divly imports from 200+ exchanges, wallets and blockchains, and anything else by file. Whalebooks lists 40+. With a few big exchanges either will do; with a long tail of wallets and chains the difference shows.
Divly200+ direct connections, any other platform by fileWhalebooks40+ connections on its list, plus file import
Divly charges per tax year, by the number of transactions in that year. Whalebooks' Personal plan covers 50,000 transactions, but the count runs over the life of the account, not per year.
DivlyImport and check everything free; pay only for the year you want the report forWhalebooks$110 a year, with the count running for lifeYes. We ran test portfolios through Whalebooks' Czech rule set on 27 and 28 October 2026: the 3-year rule, the 100 000 Kč limit, the 2025 start and the 40 million Kč cap all came out right, and every figure matched our own calculation. The one gap we found: a year with a net loss shows a minus where the form needs a zero.
Yes, for the exemptions: it is Czech-built, applies the 3-year and 100 000 Kč exemptions and the 40 000 000 Kč cap correctly (we tested them), and works in Czech. In a year with a net loss it shows a negative tax base instead of zero. Its tax statement is not laid out in the Příloha č. 2 rows, derivatives and NFTs are not documented, and transactions are counted over the life of the account.
It produces the totals behind them: tax base, proceeds and cost basis per section. It does not name the rows, lines 207–209 or line 40. Divly's report prints those rows and lines.
Divly from 799 Kč per tax year, by that year's transactions. Whalebooks $110 a year for 50,000 transactions counted over the life of the account.
Yes: export the file from Whalebooks and import it, or connect your exchanges and wallets directly.
No. Both give you figures to enter in MOJE daně. Divly's report uses the Příloha č. 2 rows and lines, and Divly's Czech guide walks through each screen.
Import for free, check the figures, pay per tax year. If you keep books, file for clients, or need Pohoda or ABRA Flexi postings, Whalebooks is the Czech tool built for that. See the full Czech comparison.
