Provider at a glance
- Category
- Tax Software
- Entity
- Not verified
- Official website
- divly.com
Independent rankingchecked How it works
Details
Scored 78 out of 100 under methodology 2026.10.18, from the evidence read in September 2026.
Divly
Crypto tax software for European filers
Tax Software
#4 Overall
Ranked #4 of 11 tax software in the published ranking
78
ChainChoice Score
The ChainChoice Score, shown against 100: published scores run from 41 to 99.- High evidence confidence
- €99 your cost/yr
Is Divly right for you?
Right for you if these matter most
- Which country's actual tax form comes out at the end — named, and for the year I am filing?9/10, the category best
- Which lot did it decide I sold, and does that method match what my tax authority actually requires?7/10; the category best is 8
Look elsewhere if these come first
- My history has DeFi, staking, NFTs, a rug and ten transfers between my own wallets — what does it do with each one?7/10 here; Summ (formerly Crypto Tax Calculator) scores 9
- Can my accountant take this without redoing it — and if I stop paying, does my per-lot basis still leave with me?6/10 here; CoinLedger scores 7
Not yet tested for your country. Markets it lists: Global.
to test where you can use it.
The rank above is the published one, the same for every reader. Find my best crypto tax software shows where it lands for you.
What will Divly cost you?
€99 your cost/yr
- Transactions per year
- 1k
- Published tiers
- 4
- Cheapest tier that covers you
- Essential (up to 1,000 transactions)
Level with the median of 3 priced tax software.
How this is calculatedHow safe is Divly?
- Evidence: verified4 of 4 criteria rest on quoted, sourced receipts. Read September 2026.
- LicenceMiCA (EU): no register record on file here.
Alternatives to Divly
Compare all 4- 2Blockpit2 points above · stronger on cost-basis method (8 against 7)80€99
- 3CoinLedgerLevel on score · stronger on complex transactions (8 against 7)78$99
- 5Summ (formerly Crypto Tax Calculator)1 point below · stronger on complex transactions (9 against 7)77$99
For your setup
Find out if Divly fits you
The rank above is the published one — the same for every visitor. Answer the category's questions and this section shows where Divly lands for you, which criteria your answers weight up, and which stated needs the record does or does not meet. The published rank stays beside it.
- A few questions
- No account required
- Ranking-blind: no commercial input
- Personalised in under 60 seconds
Find my best crypto tax softwareNothing is inferred from clicks, popularity or commercial value.
Why this rank
Why Divly ranks #4
Each strength is read from evidence on a 0–10 ladder and weighted as the published methodology states. The 32 objective points these produce (23.8 here) sit inside the score; availability, friction, trust record and measured data add the rest. Best in this ranking on 1 of 4.
4 published criteria · Σ weight 100
CriterionWeightStrength · 0–10ScoreContrib.MedianBestRankEvidence
329+9.228.09#1/11Loading evidence…
267+5.827.08#5/11Loading evidence…
227+4.937.09#6/11Loading evidence…
206+3.846.08#4/11Loading evidence…
Hairline = best in this ranking · tick = its median · a missing bar is "not scored", never zero
MarginLevelbehind CoinLedger, #3
RobustnessOne point from changingacross a one-point change to each of its 4 criterion scores, the re-run scores 76–79 and ranks #3–#6
Evidence4 of 4 scored4 quoted, 4 with a source link
What would move the rank
Each line is the ranking run again with one of Divly’s criterion scores changed and every other value held: the smallest whole-point change on that criterion that moves its rank, and where the re-run puts it. Up to 4 climbs and 3 falls are listed, smallest change first. Nothing here is a forecast.
Which country's actual tax form comes out at the end — named, and for the year I am filing? 9 → 10 on its ladder · passes CoinLedger+179#4 → #3
Which lot did it decide I sold, and does that method match what my tax authority actually requires? 7 → 8 on its ladder · passes CoinLedger+179#4 → #3
My history has DeFi, staking, NFTs, a rug and ten transfers between my own wallets — what does it do with each one? 7 → 8 on its ladder · passes CoinLedger+179#4 → #3
Can my accountant take this without redoing it — and if I stop paying, does my per-lot basis still leave with me? 6 → 7 on its ladder · passes CoinLedger+179#4 → #3
Which country's actual tax form comes out at the end — named, and for the year I am filing? 9 → 8 on its ladder · Summ (formerly Crypto Tax Calculator) passes it−176#4 → #6
Which lot did it decide I sold, and does that method match what my tax authority actually requires? 7 → 6 on its ladder · Summ (formerly Crypto Tax Calculator) passes it−176#4 → #6
My history has DeFi, staking, NFTs, a rug and ten transfers between my own wallets — what does it do with each one? 7 → 6 on its ladder · Summ (formerly Crypto Tax Calculator) passes it−176#4 → #5
Smallest climb: “Which country's actual tax form comes out at the end — named, and for the year I am filing?” 9 → 10 passes CoinLedger, #3.
Strengths
2 from the score dataWhere it leads
Best for readers who weight
- Which country's actual tax form comes out at the end — named, and for the year I am filing? — 9/10, the category best
- Which lot did it decide I sold, and does that method match what my tax authority actually requires? — 7/10, category best 8/10
Tradeoffs
2 from the score dataWhere it trails
Not for readers who put first
- My history has DeFi, staking, NFTs, a rug and ten transfers between my own wallets — what does it do with each one? — 7/10 against a category best of 9/10
- Can my accountant take this without redoing it — and if I stop paying, does my per-lot basis still leave with me? — 6/10 against a category best of 8/10
Record watch-outs
- Four one-way doors, none of them on the page you buy from, and two of them invisible without reading Divly's own shipped code. (1) THE PRICE YOU SEE IS THE 100-TRANSACTION PRICE - CONFIRMED AT THE SOURCE. https://divly.com/en/pricing advertises Essential at '39' 'EUR', but that is the first cell of a four-column ladder wired into the page's own inline script. From the served source on 2026-08-19: 'const pricingMatrix = { 0: [0, 39, 99, 599], 1: [0, 99, 199, 699], 2: [0, 199, 399, 799], 3: [0, 399, 699, 999] };'. The mapping is not inferred - the bracket buttons carry it: '<button class="transaction-btn active" data-index="0" onclick="updatePricing(0)">Up to 100</button>', then data-index 1 'Up to 1,000', 2 'Up to 10,000', 3 'Up to 100,000'; the script ends with 'updatePricing(0);' and the server-rendered spans read '<span id="price-essential">39</span>'. EUR 39 buys 'Up to 100' transactions for the year. At 'Up to 1,000' Essential is EUR 99; at 'Up to 10,000' EUR 199; at 'Up to 100,000' EUR 399 - and Full Service starts at EUR 599, not the EUR 499 this repo's catalog row records. Anyone with a routine DCA habit is in the 1,000+ bracket and pays 2.5x the headline. (2) ONCE YOU DOWNLOAD, YOU CANNOT UNBUY, AND THE TERMS AND THE HELP CENTRE DISAGREE. Terms: 'It is not possible to get a refund if you have downloaded a file from the tax report section in the platform.' - flat, unqualified. https://help.divly.com/en/articles/8233489-can-i-request-a-refund ('February 3, 2026') sets three requirements - 'You make the request within 14 days of purchasing the service.' / 'The reason for refund is related to a bug or issue that Divly is unable to resolve within a reasonable time frame.' / 'You have not downloaded any tax reports.' - and then adds a fourth: 'This does not apply if the issue is related to the tax report.' So the help centre carves out the commonest case while the binding contract does not; the Terms govern, and the disagreement is the finding. Either way, dissatisfaction that is not a Divly bug is not a refund reason. Worse, the Terms purport to cancel the EU statutory withdrawal right within the same clause that grants it, under the heading 'Your right to terminate the Agreement pre-maturely': 'If you are a consumer, you have the right to withdraw from this Agreement without giving any reason within 14 days.' ... and, four sentences later, 'Since this is a Service we will not, if you withdraw from this Agreement, refund any payments we received from you.' (3) THE PRICING PAGE IS NOT THE WHOLE PRICE LIST - three charges exist that it never shows, all read from Divly's own app bundle (plugin_v23.js, downloaded 2026-08-19). A per-hour overage on the top tier, stated in the help centre: Full Service 'includes 4 hours of work by the Divly Expert. In most cases this is enough, however if extra hours are required they will be charged at 150 EUR per hour.' A priority-service add-on with a four-figure fallback: 'get_priority_service_price:function(){return this.pricing_info&&this.pricing_info.priority_service_price?this.pricing_info.priority_service_price:1e3}'. (4) A TIER THE PRICING PAGE SELLS IS HARDCODED AS UNBUYABLE. The same bundle contains 'is_sold_out_tier_value:function(t){return typeof t!="string"?!1:t.replace("-EARLY","").toUpperCase().startsWith("SECOND_100000")}' and, in the checkout handler, 'if(t.some(e=>this.is_sold_out_tier_value(e.tier))){alert("Sold out tier cannot be purchased.");return}'. In the same file 'THIRD_' resolves to 'Full Service', so 'SECOND_' is the second paid tier, Peace of Mind - the one https://divly.com/en/pricing still advertises at EUR 699 for the 'Up to 100,000' bracket. Whether the server also refuses the sale is unestablished; what is established is that Divly's own client blocks it. (5) THE 'lifetime access ... forever' PROMISE YOU ARE RELYING ON lives in a help article, not the contract; the contract is stamped 'Updated by Synch: 22 September 2021', never mentions it, and reserves account deletion. (6) IF YOU ARE GERMAN, THE STALE PAGE IS THE MARKETING ONE, NOT THE PRODUCT. https://divly.com/en/guides/crypto-taxes-in-germany ('Jan. 15, 2026') still says 'You have a €600 exemption limit on crypto profits.' while the help article ('July 7, 2026') says 'If you exceed the €1000 exemption limit (€600 for tax years 2023 and earlier), the full amount of gains is taxable.' The app itself renders the correct figure - the German tax widget in plugin_v23.js computes the exemption as 'C(a.year>=2024?1e3:600)'. So the number you FILE is right; the number you'd PLAN with off the guide is two years stale.
Competitive position
Where Divly leads and where it trails
Rank on every objective dimension among the rows scored on it. A criterion in the top third of its pool is listed as a lead, the bottom third as a trail; the middle is neither. Popularity, size and commercial terms are not dimensions.
Availability#1 / 1114.0 of 20 · constant here
Published criteria#4 / 1117.9 of 30 · best 19.2
Friction#1 / 112.7 of 10 · constant here
Trust record#1 / 113.2 of 8 · constant here
Measured data#1 / 118.3 of 18 · constant here
Where Divly leads
- Which country's actual tax form comes out at the end — named, and for the year I am filing?#1 / 11
- Can my accountant take this without redoing it — and if I stop paying, does my per-lot basis still leave with me?#4 / 11
Where it trailsNo criterion in the bottom third of its pool.
Closest alternatives
The 3 nearest rows by score
Nearest by published score in either direction. Each card states the criteria on which the two rows differ and the cost difference under the same scenario inputs; the compare arithmetic below shows why the higher one ranks higher.
CoinLedger#3 of 11 · score 78 · same score
Divly leads on
- Which country's actual tax form comes out at the end — named, and for the year I am filing?9 vs 8
CoinLedger leads on
- My history has DeFi, staking, NFTs, a rug and ten transfers between my own wallets — what does it do with each one?8 vs 7
- Can my accountant take this without redoing it — and if I stop paying, does my per-lot basis still leave with me?7 vs 6
Largest single reason CoinLedger is ahead: published criteria (+0.5 display points).Scenario cost: Divly has no verified pricing for this scenario.
Summ (formerly Crypto Tax Calculator)#5 of 11 · score 77 · 1.0 point behind
Divly leads on
- Which country's actual tax form comes out at the end — named, and for the year I am filing?9 vs 8
- Can my accountant take this without redoing it — and if I stop paying, does my per-lot basis still leave with me?6 vs 4
Summ (formerly Crypto Tax Calculator) leads on
- Which lot did it decide I sold, and does that method match what my tax authority actually requires?8 vs 7
- My history has DeFi, staking, NFTs, a rug and ten transfers between my own wallets — what does it do with each one?9 vs 7
Largest single reason Divly is ahead: published criteria (+0.3 display points).Scenario cost: Divly has no verified pricing for this scenario.
Blockpit#2 of 11 · score 80 · 2.0 points ahead
Divly leads onNo scored criterion
Blockpit leads on
- Which lot did it decide I sold, and does that method match what my tax authority actually requires?8 vs 7
- My history has DeFi, staking, NFTs, a rug and ten transfers between my own wallets — what does it do with each one?8 vs 7
Largest single reason Blockpit is ahead: published criteria (+2.9 display points).Scenario cost: Blockpit is the same.
Against the leader
81 vs 78 · gap 3.0Why Koinly ranks above Divly
The compare workspace's arithmetic applied to these two rows. Each dimension's share of the gap is its weight × the difference, on the displayed scale — it reproduces the displayed gap of 3.0 to within rounding.
DimensionThisKoinlyGap share
Availability · 23% weight · constant here14.014.0same
Published criteria · 35% weight17.919.2−3.4, worse
Friction · 12% weight · constant here2.72.7same
Trust record · 9% weight · constant here3.23.2same
Measured data · 21% weight · constant here8.38.3same
Published criterionThisKoinlyPoints
Which country's actual tax form comes out at the end — named, and for the year I am filing? · w3298+1.02, better
Which lot did it decide I sold, and does that method match what my tax authority actually requires? · w2678−0.83, worse
My history has DeFi, staking, NFTs, a rug and ten transfers between my own wallets — what does it do with each one? · w2278−0.70, worse
Can my accountant take this without redoing it — and if I stop paying, does my per-lot basis still leave with me? · w2068−1.28, worse
Net7881−3.0
Your scenario
What Divly costs on your scenario
The cheapest published tier that covers your usage. List price before any discount; add-ons priced separately are excluded. Change an input and every figure recomputes from the published rate; the published rank does not move.
your cost/yr · default scenario — set your own
Transactions per year · your input1k
Published tiers · published rate4
Cheapest tier that covers you · published rateEssential (up to 1,000 transactions)
Rate read from the provider’s published pricing ↗ on 29 September 2026.
your cost/yrCost is stated as your cost/yr in EUR; it is never a yield, never annualised, and it does not enter the score.
€99
Under the default inputs · EURCategory median€993 of 11 rows priced · Divly at the median
Cheapest priced€99 · BlockpitDivly costs the same · availability not applied — set your country to filterCompare with Blockpit
2 of 11 rows in this ranking have no verified rate for this scenario and are absent from the median, not counted as free.
6 of 11 quote a zero fee that leaves costs out, so they are absent from the median and the cheapest row, not counted as free.
Evidence
Evidence read 29 September 2026
One row per published criterion: the page each strength was read from, its source type by domain, the reading date and whether the file and the published table agree. Open a row for the quote and the receipt.
4 of 4 cells scored
Score evidenceVerified4 of 4 criteria reconstruct from receipts
4 of 4 criteria reconstruct from a quoted, sourced receipt equal to the published strength.Public receiptsReading…4 quoted with a source URL
The receipt file has not been read yet.Evidence confidenceHighcoverage and corroboration, never freshness
4/4 criteria scored, with 4 dated sources quoted.RobustnessOne point from changingrank #3 to #6 across one-point re-runs
Whether the position holds when one criterion score is changed by one point and the ranking is run again. It is always a re-run of the ranking, never an estimate.The newest evidence read on the platform is 3 November 2026; this category's reading is older. The scores stand as read on 29 September 2026.
Reading the evidence ledger…
CriterionSourceTypeReadFreshnessStatusReceipt
Which country's actual tax form comes out at the end — named, and for the year I am filing?strength 9 · weight 32Report an error—29 September 2026*
Unknown
No reading date is recorded for this cell or its category.No receipt
A strength is published but no quote or source page is on file for it.Which lot did it decide I sold, and does that method match what my tax authority actually requires?strength 7 · weight 26Report an error—29 September 2026*
Unknown
No reading date is recorded for this cell or its category.No receipt
A strength is published but no quote or source page is on file for it.My history has DeFi, staking, NFTs, a rug and ten transfers between my own wallets — what does it do with each one?strength 7 · weight 22Report an error—29 September 2026*
Unknown
No reading date is recorded for this cell or its category.No receipt
A strength is published but no quote or source page is on file for it.Can my accountant take this without redoing it — and if I stop paying, does my per-lot basis still leave with me?strength 6 · weight 20Report an error—29 September 2026*
Unknown
No reading date is recorded for this cell or its category.No receipt
A strength is published but no quote or source page is on file for it.How you can lose money here, and what the ranking scores
- Regulatory failure (Divly 9/10): no licence where you are, or a forced market exit.Scored by Which country's actual tax form comes out at the end — named, and for the year I am filing? · 32%
- Exit failure (Divly 6/10): you cannot get out at par, on time, or with what is yours.Scored by Can my accountant take this without redoing it — and if I stop paying, does my per-lot basis still leave with me? · 20%
- Information failure: the number is wrong or bought, or your data leaks.Scored by Which lot did it decide I sold, and does that method match what my tax authority actually requires? · 26% (Divly 7/10)Scored by My history has DeFi, staking, NFTs, a rug and ten transfers between my own wallets — what does it do with each one? · 22% (Divly 7/10)
Every failure family that applies to this category is scored.
Facts
facts, not scoresWhat the record publishes
- Pricing
- https://
divly .com /en /pricing — fetched 29 September 2026, HTTP 200, plain curl. Header "Fair and flexible pricing options" — "No subscription or lock-in, only pay for the years you need to declare. Try Divly for free before you commit." The page shows one price column at a time behind a transaction selector ("Up to 100", "Up to 1,000", "Up to 10,000", "Up to 100,000"); the default (Up to 100) cards render Free "No credit card required. Start for free.", Essential "39 EUR", Peace of Mind "99 EUR" and Full Service "599 EUR". The full ladder is in the page's inline script, quoted as served: "0: [0, 39, 99, 599]", "1: [0, 99, 199, 699]", "2: [0, 199, 399, 799]", "3: [0, 399, 699, 999]" (Free, Essential, Peace of Mind, Full Service, in euros, for up to 100 / 1,000 / 10,000 / 100,000 transactions in the tax year). FAQ: "Only transactions for the latest tax year are included in the calculation." | "No, by purchasing a Divly tax report you are not signing up to a recurring subscription. The payment is one-off." | "Businesses can only purchase the Full Service package." The help article https:// help .divly .com /en /articles /8233252 -how-does-pricing-work-on-divly-for-individuals ("February 3, 2026", fetched 29 September 2026) adds: "Once you purchase a tax report, you will retain lifetime access for that tax year." and "Yes, each tax year requires its own purchase. The exception is the bundle that includes 2011-2021 for the price of one tax year." Prices unchanged since 19 August 2026.Divly — official pricing page ↗ · 29 September 2026 - Prices published in
- EURDivly — official pricing page ↗ · 29 September 2026
- Licences held
- Not published
- Compliance level
- partial
- Regulatory note
- Divly does not hand the buyer a free method picker. It sets the method per country, says so in writing, warns against changing it, then discloses the rule it actually applied ON EVERY DISPOSAL ROW of the delivered artefact. THE DEFAULT, STATED - by-lined 'Written by Carl Gärdsell' / '9 August 2023' (sitemap lastmod 2023-08-09T10:48:40Z - the OLDEST article in the help centre), loaded 2026-08-19:
- Supported chains
- Not published
- Markets served
- global
- Primary markets
- Not published
- Restricted markets
- Not published
- Operating limits
- Not published
- Availability note
- Not published
No confirmed legal entity is on file for this record. Nothing is inferred from the brand name.
If something goes wrong with Divly: where to complain, and where to report a scam
Loading the routes for your country.
How this page is reviewed
Reviewed means this product in this category was read against its sources on or after that date; every ranked category is re-read at least every 45 days. Models research, extract and parse. A deterministic engine ranks. Every quote passes an adversarial refute pass.
Accountable for this review: Mathias Siemonsmeier, Founder.
How we review · Review calendar · Corrections log · How we make money
History
What the record carries
Changes to published ranks are recorded in a ledger; every step and its cause is listed on the rank-history page. The entries below begin with the current verified snapshot, then the methodology versions whose changes applied to this category, newest first.
11 methodology entries
- 29 September 2026Current verified snapshot · methodology 2026.10.18Score 78, #4 of 11. 4 of 4 criteria scored. History starts here; earlier values are not interpolated.
- 10 October 2026
2026.10.8When nothing serves your country, the list shown for reference is the published ranking · platform-wide- fixed The reference list shown when nothing serves your country is the published order with the published scores, and a build check now fails any such list out of that order or with a score the ranking does not publish.
- fixed The explorer prints an overall rank only for a row the published ranking holds; a country entrant such as Coinbase Commerce for US merchants shows no overall rank.
- changed Published orders do not move. Country results change only where nothing serves the country: in India bill pay keeps Bitcoin Well first and now shows Strike second, as published; 35 such runs across all categories and countries now match the published list exactly.
- 10 October 2026
2026.10.6A criterion you require re-scores the rows that meet it · platform-wide- changed The explorer sends each criterion you require, at any band, as fit_required with your other answers; region, licence, chain and fact filters stay filters. On /best, a required criterion joins For you as a marked preference does, which needs your country; Overall stays the published ranking, filtered.
- added Every published criterion has a golden case as the explorer sends it (require:<criterion>), so the order a requirement gives is replayed and gated as the published order is, and a change to it needs an entry here.
- 1 October 2026
2026.10.0Layer-2 chains are ranked on whether you can leave with your funds- added Four l2_chains criteria with published band ladders: proof system (18), withdrawals if the operator stops (18), rollup stage (14) and exit window before an upgrade (6). EVM equivalence moves 40 to 17, Ethereum data availability 25 to 15 and maturity 35 to 12. Every chain's emergency exit window reads None, so the exit-window ladder also reads L2BEAT's regular, non-emergency upgrade path (Arbitrum One 10 days, Starknet and Arbitrum Nova 7, zkSync Era 4 days 3 hours); data availability separates full transaction data (10) from state diffs only (9, L2BEAT: Onchain (SD)). A stage L2BEAT marks Under review keeps its last score for at most one 45-day cycle and is never interpolated.
- changed l2_chains ranks through scoreCriterionObjective on fitStrength, like the other criterion-ranked categories; the hand-written structural scorer is deleted. All 105 criterion scores across 15 rows carry a quote and source in research-pending/rereads/2026-10-01-l2_chains.json; 131 of 135 quotes re-fetched verbatim on the read date, and the four behind a bot wall or a JavaScript shell were read by the adversarial model run.
- fixed Four facts corrected on the read: Scroll, Mantle and Blast are EVM-compatible, not equivalent (their own documentation, and for Blast live RPC probes); Starknet's public mainnet opened to users in 2022, not 2021. Arbitrum Nova's data has gone to Ethereum as blobs since 31 August 2026, and the row now leads with the Arbitrum DAO's decision to minimise it.
- fixed The old scorer credited Ethereum data availability whenever the data-availability text contained the word "ethereum", so Arbitrum Nova's committee ("…Ethereum L1 rollup fallback") and Polygon zkEVM's off-chain data ("…Ethereum L1 before the sunset") both scored full marks. Data availability is now a quoted L2BEAT reading.
Methodology 2026.10.18, the same published run every visitor sees · receipt tax_software:divly:2026.10.18:1bf07a0203ab
Are you Divly? Reply to this verdict, or send evidence, ask for a correction or claim the listing. Every message gets a public ticket number; none of it changes a rank unless a public page or a signed statement supports it.