Crypto Tax Estimator

Crypto tax feels complicated because so many different events are treated differently. A sale is not the same as a swap, an airdrop is not the same as a staking yield, and the periods run apart on top of that. The Crypto Tax Estimator builds a clear flow from this: you enter your events, the tool assigns them to the right tax type and estimates what is taxable in the end.

The heart of it is the one-year holding period under Section 23 EStG. Cryptocurrencies you hold for more than 365 days can be disposed of tax-free. The portfolio tracker shows a countdown for each position of how long remains until tax exemption - a small but very practical decision aid before you sell too early and needlessly tax the gain.

For a sale within the year the 1,000 EUR threshold under Section 23(3) EStG applies. If your total private disposal gains stay below it, everything remains tax-free. Exceed it and the entire gain becomes taxable, because it is a threshold and not an allowance. The estimator scales the taxable gain by your personal marginal tax rate so you get a realistic figure instead of an abstract percentage.

Staking, mining, airdrops and lending follow their own rules, and those are exactly what many people confuse. Staking yields are other income under Section 22(3) EStG and taxable from the first euro, with their own threshold of 256 EUR a year. Per the BMF letter of 10.05.2022 only the one-year holding period applies for the later sale of staked coins too. Airdrops are taxed at market value at the time of receipt, and mining can even be classified as a commercial activity subject to trade tax.

The single-trade calculator is for the quick case: one buy, one sell, you just want to know whether this one gain is taxable. The portfolio mode, by contrast, keeps your whole holding in view, including the holding periods. Together they cover the typical situations from the occasional hodler to the active trader.

Everything computes protected, your holdings and prices stay in your control. The estimator is an estimate and not a binding tax calculation - DeFi constructions, NFTs, foreign exchanges or commercial trading can change the classification, and case law keeps evolving. Take the figures as well-founded orientation into your tax return or a conversation with your tax advisor. This is not tax advice.