Pick your country, enter what you paid and what you sold for, and get an estimate of the tax on your crypto gains under 2026 rules. It covers France, Germany, Spain, Italy and the UK, plus the Netherlands, which taxes the value you hold rather than your gains.
This is an estimate, not tax advice. It assumes a single purchase and a single sale, no losses carried over from earlier years, and no staking, mining or business income. Real returns can be more complex (several purchases at different prices, regional surcharges, the exact cost-basis method). Use it to plan, and confirm with a tax advisor or your tax office before filing.
| Country | What's taxed | Rate | Tax-free amount |
|---|---|---|---|
| France | Gains when you sell for euros or spend | 31.4% flat | Total sales under €305/year |
| Germany | Gains on crypto held under 1 year | Your income tax rate (14–45%) | Held over 1 year: 0%. Short-term gains under €1,000/year |
| Spain | Gains on sales and swaps | 19–30% (progressive) | None |
| Italy | Gains on sales and swaps | 33% (26% on euro stablecoins) | None (the €2,000 allowance was scrapped) |
| Netherlands | Value of your assets on 1 January | 36% of a 6% deemed return (≈ 2.16% of the value) | €59,357 per person |
| United Kingdom | Gains on sales and swaps | 18% or 24% | £3,000/year |
For the full rules, filing forms and common mistakes in each country, read our guides for France, Germany, Spain, Italy and the Netherlands.
From 1 January 2026, EU crypto platforms report their customers' transactions directly to national tax authorities under DAC8 (Directive on Administrative Cooperation 8), and UK platforms do the same under CARF (the OECD's Crypto-Asset Reporting Framework). In practice, your tax office will increasingly know what you bought and sold. Estimating your bill now, and keeping records of every purchase and sale, is far easier than reconstructing a year of trades at filing time.
It applies each country's published 2026 rates and thresholds to the numbers you enter, so it gives a realistic estimate for a simple buy-and-sell. It does not handle every situation, such as multiple purchases at different prices, losses carried from earlier years, staking income or regional surcharges. Use it to plan, and confirm your final figure with a tax advisor or your tax office.
No. The calculation runs entirely in your browser. Nothing you type is saved, sent to CoinHawk, or shared with anyone.
The Netherlands does not tax crypto gains. Under its Box 3 system you are taxed each year on the value of your assets on 1 January, using an assumed (deemed) return. So the calculator asks for your holdings on 1 January instead of your buy and sell prices.
In France, Germany, Spain, Italy and the UK, simply holding crypto is not taxed; tax is due when you sell, spend or (in most of these countries) swap it. The Netherlands is the exception: you can owe Box 3 tax every year on what you hold, even if you never sell.
In Germany, Spain, Italy and the UK, yes: a crypto-to-crypto swap counts as a disposal. In France, swaps between cryptocurrencies are not taxed; tax only arises when you convert to euros or buy something. In the Netherlands, swaps during the year don't matter, only your 1 January value.
Sources and updates. Rates reflect the published 2026 rules: France's flat tax rose to 31.4% on 1 January 2026; Spain's top savings rate is 30%; Italy's crypto rate rose to 33%; the Dutch 2026 Box 3 figures are €59,357 tax-free and a 6.00% deemed return; the UK uses £3,000 and 18%/24% for 2026/27. We update this page when the rules change. Spotted something out of date? Tell us.
