Germany Bitcoin Tax Calculator

Enter the dates you bought and sold Bitcoin to see whether the sale is tax-free under the one-year rule, and what tax is due at 2026 rates if it is not.

Your Bitcoin sale

Use a dot or a comma for decimals: 0.5 or 0,5.

Exchange and network fees.

Price of 1 BTC when you bought.

Price of 1 BTC when you sold.

Starts as today. Change it to test another date.

Tax Settings

Your taxable income for the year, not counting this sale. For joint assessment, the couple's combined income.

Church tax is for church members only: 8% in Bavaria and Baden-Württemberg, 9% elsewhere.

Your Bitcoin tax

Fill in your Bitcoin sale and choose Calculate Bitcoin Tax. Your figures appear here.

Sale Value

€0.00

Sell price × BTC sold

Gain / Loss

€0.00

Sale value − buy value − fees

Holding Period

0 days

Tax-free after more than 1 year

Tax Owed

€0.00

Income tax + surcharge + church tax

Final Take-Home Amount

€0.00

Sale value − fees − tax owed

An estimate using 2026 rates, whatever year you sold in. It treats this as your only private sale of the year, which matters for the €1,000 limit. For other coins and charts, use the Germany Crypto Tax Calculator.

How it is calculated

The same maths as the Germany Crypto Tax Calculator, with the holding period worked out from your dates.

  • Sale value = sell price per BTC × BTC sold
  • Gain or loss = sale value − (buy price per BTC × BTC sold) − fees
  • Holding period = starts the day after you bought. The sale is tax-free if it is more than one year after the purchase date
  • Taxable gain = the whole gain if you sold within a year and it is €1,000 or more. Otherwise €0
  • Income tax = the taxable gain taxed on top of your other taxable income by the 2026 formula
  • Solidarity surcharge and church tax = 5.5% of income tax for higher incomes, and 8% or 9% of income tax for church members
  • Final take-home = sale value − fees − tax owed

Frequently asked questions

Short answers on how a Bitcoin sale is taxed in Germany.

For private investors, selling Bitcoin is a private sale. If you sell within one year of buying, the gain is added to your income and taxed at your personal rate. If you sell after more than one year, the gain is tax-free, whatever its size.

Take a single person with €50,000 of other taxable income who sells 0.5 BTC bought at €60,000 per BTC for €90,000 per BTC, a gain of €15,000. Sold within a year, income tax rises from €10,548 to €16,205, so the sale costs €5,657. Sold after more than a year, it costs nothing.

The one-year period starts the day after you buy, so the first tax-free day is the day after the first anniversary of the purchase. Bitcoin bought on 15 March 2025 is still taxable if sold on 15 March 2026 and tax-free if sold on 16 March 2026 or later. The calculator works this date out for you.

Each purchase has its own one-year period. If you bought at different times, the Bitcoin bought first is generally treated as sold first, separately for each wallet. Enter the date and price of the units you actually sold.

No. Buying Bitcoin with euros and holding it is not taxable, and moving it between wallets you own does not restart the one-year period. Tax can arise when you sell it, swap it for another crypto or spend it.

No tax is due on that sale. If you sold within a year, the loss can be set against gains from other private sales, but not against other income such as your salary. A loss on Bitcoin held for more than a year does not count.

It applies to 2026. The federal government has said it plans to tax crypto gains as capital income whatever the holding period, and is aiming for 2027. As of October 2026 no law has been passed and the details are not settled, so check the current position before relying on the rule for later years.

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