Germany Crypto Tax Calculator

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

It depends on your income. 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 within a year, a gain of €15,000. Income tax rises from €10,548 to €16,205, so the sale costs €5,657 in tax, about 38% of the gain. Held for more than a year, the same sale costs nothing.

Yes, under the rules for 2026. The holding period is counted for each purchase, and it has to be more than one year. If you bought at different times, the units bought first are generally treated as sold first, wallet by wallet.

If your total gains from private sales in a calendar year are less than €1,000, they are tax-free. It is an exemption limit, not an allowance: at €1,000 or more, the whole gain is taxed. The calculator treats the trade you enter as your only private sale of the year.

It may be. The federal government has said it plans to treat crypto gains as capital income, which would make them taxable however long you held, and is aiming for 2027. As of October 2026 no law has been passed and the details are not settled, so the one-year rule still applies to 2026. Check the current position before you rely on it for later years.

Yes. Swapping is a sale of the crypto you give up, at the market value in euros of what you receive. If you held the first crypto for a year or less, the gain is taxable. The crypto you receive starts a new one-year holding period.

A loss on crypto sold within a year can be set against gains from other private sales in the same year. It cannot reduce other income such as your salary. Unused losses can be carried to other years, again only against private sale gains. A loss on crypto held for more than a year does not count.

Rewards are income when you receive them, at their market value in euros. They are tax-free if this kind of income totals less than €256 in the year. That value then becomes your cost when you later sell the rewarded coins.

The solidarity surcharge is 5.5% of your income tax, but only if your income tax for the year is above €20,350, or €40,700 for couples assessed jointly. Just above that it is phased in. Church tax is 8% or 9% of your income tax, depending on the federal state, and only church members pay it.

It multiplies your buy and sell prices by the quantity and subtracts fees to get the gain. If you held for more than a year, or the gain is under €1,000, the tax is €0. Otherwise it places the gain on top of your other taxable income, applies the 2026 income tax formula, and adds the solidarity surcharge and any church tax. Everything runs in your browser and nothing you type is sent to a server.