Most crypto tax tools are built American-first and bolted European support on later. That shows up at exactly the wrong moment: you’ve imported everything, the numbers look right, and then you’re left to manually transcribe them onto your national tax form because the software only gives you a generic capital gains summary.
Divly comes at the problem from the opposite direction. It’s a European company that starts from each country’s filing requirements and works backwards. The result is software that hands you a report built for your country’s forms, in your language, with instructions for filing. For a lot of European investors, that’s the difference between “mostly done” and “done.”
Here’s my take on where Divly fits in 2026, and who should pick it over Koinly or CoinLedger.
- Best for: European investors who want their country’s official tax form, not a generic export
- Free plan: yes, track up to 25,000 transactions with no card required
- Paid from: €39 per tax year (Essential), one-off, no subscription
- Coverage: 13 European countries plus the US, with country-specific reports in the local language
Divly – An Overview
Divly is a Stockholm-based crypto tax platform that has spent its energy on something specific: getting European national tax reporting exactly right. While the big global tools advertise “20+ countries” and give you a serviceable capital gains report, Divly goes a step further and produces a report built around the documents your tax authority actually processes.
That focus comes through in the detail. For Swedish users it generates the K4 form, the part of the process that usually causes the most pain. For German filers it produces Anlage SO reports aligned with BMF rules. Polish investors get figures ready for the PIT-38. French users get forms 2086 and 3916-bis. Finnish users get a report ready for OmaVero. This is the kind of localization that saves you from a stressful evening cross-referencing a spreadsheet against a government PDF.
Unless you live in one of the crypto-friendly countries that don’t tax digital assets, this is work you have to do, and the rules keep tightening across the EU. A tool that speaks your tax office’s language is genuinely useful.
Divly Features
Country-Specific Tax Forms
This is the headline. Divly doesn’t just calculate your gains, it formats them around your country’s official forms. The platform localizes for 13 European countries, including Sweden, Germany, France, Finland, Italy, Poland, Denmark, Norway, and the Netherlands, plus the US, with reports in the local language. If your country is on the list, you get a report you can file with minimal further work. Check the live country list to confirm yours before you start.
A Generous Free Tier
Divly’s free plan is one of the most usable in the category. You can track up to 25,000 transactions, connect unlimited wallets and exchanges, and see your portfolio and estimated gains, all without entering a card. You only pay when you want the finished, downloadable tax report. That makes it easy to set everything up, see your numbers, and decide later.
Import and Calculation
Connect your exchanges and wallets, and Divly imports your history, fetches historical prices, and calculates your gains using the cost-basis method your country requires (FIFO, or local rules like Sweden’s average-cost approach). It covers the usual range of activity: trades, staking, mining, airdrops, and DeFi. Anything without a direct integration can come in by CSV.
Expert Review Options
On the Peace of Mind plan, a Divly expert manually reviews your report and flags issues before you file. On Full Service, you get a dedicated expert, one-on-one video calls, and guided help submitting your declaration. For anyone nervous about getting a first crypto tax return right, that human safety net is worth a lot.
Guided, Beginner-Friendly Flow
Divly’s whole interface is built around guiding non-experts to a finished form with as few decisions as possible. If you’ve ever felt out of your depth in a tax tool aimed at power traders, this is the opposite experience.
How to Get Started with Divly
Step 1: Pick Your Country
Divly tailors the entire flow to where you file, so you choose your country first. This is what lets it produce the right form at the end.
Step 2: Connect Your Accounts
Add your exchanges and wallets by API sync, public address, or CSV. Divly asks for read-only access wherever the exchange allows it, so it can read your transaction history without being able to move funds.
Step 3: Review Your Transactions
The platform calculates your gains and highlights anything that needs attention, such as missing purchase prices or unmatched transfers. Clearing these up is what makes the final report accurate.
Step 4: Get Your Country’s Form
Once your data checks out, download your finished report, already formatted for your national tax authority. On the higher tiers, an expert reviews it first.
Divly Pricing
Divly uses one-off pricing per tax year, with no recurring subscription. You do all the import and review work for free and pay only when you download the report. Prices below are current as of November 2026; check the live pricing page for changes.
Free Plan – €0
Up to 25,000 transactions, unlimited wallets and exchanges, portfolio tracking, and an estimate of your gains. No card required. You only pay to download the official tax report.
Essential – from €39 per Tax Year
€39 covers up to 100 transactions; it’s €99 up to 1,000, €199 up to 10,000, and €399 up to 100,000. Your country-specific tax report, automatic calculations, unlimited revisions, and guidance on how to use the report. The right fit for most casual and buy-and-hold investors.
Peace of Mind – from €99 per Tax Year
€99 for up to 100 transactions, rising to €199, €399, and €699 at the higher bands, plus a manual expert review that highlights issues and improves accuracy before you file. Good for anyone with a more complex year who wants a second set of eyes.
Full Service – from €599 per Tax Year
€599 for up to 100 transactions, rising to €699, €799, and €999 at the higher bands, with a dedicated expert, one-on-one video calls, and guided help submitting your declaration. For large or complicated portfolios where you’d rather hand most of it off. Above 100,000 transactions, Divly quotes custom pricing.
Divly Safety and Security
Divly asks for read-only API access wherever the exchange offers it, so it can read your transaction history but can’t trade or withdraw funds. As always, set up any API keys with trading and withdrawal permissions disabled. As a European company, Divly operates under EU data protection rules, which is a point in its favour for privacy-conscious users.
How Divly Compares
Three tools now cover most of what crypto investors need, and Divly carves out a clear niche among them:
- Koinly has the largest integration library and the broadest country list. It’s the safe all-rounder, especially if you trade across many platforms or use a lot of DeFi. Its country reports are good, but more generic than Divly’s national forms.
- CoinLedger is the simplest to use and the strongest on US tax-software integration, exporting straight into TurboTax and H&R Block. Best if you file in the US.
- Divly wins on European national forms and local-language support. If your country is one it localizes for, it gets you closer to a finished, submittable document than either of the others, and it adds optional expert-review tiers.
Where Divly is weaker: its integration library is smaller than Koinly’s, and it’s less useful if you file outside Europe. If you trade heavily across dozens of exchanges and DeFi protocols, Koinly’s breadth may matter more than Divly’s localization. For a straightforward European filer, though, Divly’s focus is exactly the point.
Potential Downsides
- Europe-focused: the product is built around European filing, with the US as its only report country outside Europe. If you file elsewhere, the other tools serve you better.
- Smaller integration library: Koinly supports more exchanges, wallets, and DeFi protocols. Most mainstream platforms are covered, but check that yours is before committing.
- Newer and smaller: Divly is a younger company than the established players. The trade-off is a sharper, more focused product, but a smaller track record.
Divly – Conclusion
Divly isn’t trying to be everything to everyone, and that’s its strength. By focusing on European national tax forms and local-language support, it solves the last and most annoying step of crypto tax filing better than the global tools do. The free tier is generous enough to set up and explore at no cost, and the optional expert review is a reassuring touch.
If you file in Europe, and especially in one of the countries Divly localizes for, it belongs on your shortlist next to Koinly and CoinTracking. Start with the free plan, import your history, and see how close it gets you to a finished form before you pay anything.
See also: How are Bitcoin and cryptocurrencies taxed in Europe?
Do your crypto taxes with Divly
Frequently Asked Questions
Is Divly free?
Divly has a genuinely useful free plan: you can track up to 25,000 transactions, connect unlimited wallets and exchanges, and see your estimated gains, all without a card. You only pay when you want to download the official, country-specific tax report, which starts at €39 per tax year.
How much does Divly cost?
Paid reports are a one-off purchase per tax year: Essential from €39, Peace of Mind from €99 (with expert review), and Full Service from €599 (with a dedicated expert and guided filing). Those starting prices cover up to 100 transactions, and each tier rises with volume up to 100,000. There’s no recurring subscription, and custom pricing is available above 100,000 transactions.
Which countries does Divly support?
Divly localizes for 13 European countries plus the US, with reports built around each country’s official tax forms, including Sweden (K4), Germany (Anlage SO), France (forms 2086 and 3916-bis), Poland (PIT-38), Finland (OmaVero), and others such as Italy, Denmark, Norway, and the Netherlands. Check the live country list on Divly’s site to confirm your country is covered before signing up.
How is Divly different from Koinly?
Koinly has a larger integration library and broader global coverage, which makes it the better all-rounder. Divly’s edge is depth in Europe: it produces a report built around your country’s actual tax forms, in your local language, rather than a more generic report. If you file in a country Divly localizes for, it gets you closer to a submittable document; if you trade across many platforms or file outside Europe, Koinly may suit you better.
Does Divly offer expert help?
Yes. The Peace of Mind plan includes a manual expert review of your report before you file, and the Full Service plan adds a dedicated expert, one-on-one video calls, and guided help submitting your declaration. For anyone filing crypto taxes for the first time, that human safety net can be worth the higher tier.
Is Divly safe to use?
Yes. Divly asks for read-only API keys wherever the exchange offers them, and with trading and withdrawal permissions disabled on your keys it can’t move your funds. As a European company, it operates under EU data protection rules.
Related reading: Best crypto tax software in 2026.
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