Published verdictRanking snapshot 3 November 2026
Divly leads by 1 point
Divly scores 1 point above Summ (formerly Crypto Tax Calculator), led by your tax form and record portability.
Divly #4 of 1178SUSumm (formerly Crypto Tax Calculator) #5 of 1177
Scores are out of 100; published scores fall within 41–99; a bar is empty at 41 and full at 99.Why, term by termDivly leads on 2 of 4 published criteria; Summ (formerly Crypto Tax Calculator) on 2. The terms sum to the gap.
TermDivlySumm (formerly Crypto Tax Calculator)WeightPoints
Your tax form9/108/107.7+2.0for Divly+1.0 of 32
Cost-basis method7/108/106.2−1.6for Summ (formerly Crypto Tax Calculator)−0.8 of 32
Complex transactions7/109/105.3−2.7for Summ (formerly Crypto Tax Calculator)−1.4 of 32
Record portability6/104/104.8+2.5for Divly+1.3 of 32
Net of the terms+0.1
Criteria roundingThe criteria block is rounded to whole points before it is spread+0.1
Reproduced gap+0.3
Published gapAfter score rounding and bounds — see the note below7877+1.0
Weight is in points of the 86-point weighted total. Points are score points of the gap between the two.
DivlyScore 78The European filing specialist: one served table naming K4/SRU, Anlage SO, SA108, 2086, PIT-38 and Modelo D-100 across fourteen jurisdictions, a Skatteverket-native SRU upload, a per-disposal 'applied_rule_for_disposal' column proving s.104 same-day/30-day matching ran, and an in-app tax-year selector that defaults to 2025 as the CURRENT year - undercut by a EUR 39 headline that buys only 100 transactions, a delivered ledger that never states the acquisition date of the lot it matched, no closing-position output in any jurisdiction, and a 2021 Terms document that never mentions the 'lifetime access ... forever' its help centre promises.Strength: Named form output — 9/10Watch-out: 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}'. And an early-bird tier system fetched at checkout: 'fetch_early_bird_tiers:async function(){try{const e=await(await fetch(Fe+"/client/get_early_bird_tiers")).json();'. (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.Summ (formerly Crypto Tax Calculator)Score 77Produces real IRS Form 8949 / Schedule D / Schedule 1 PDFs autofilled with the filer's SSN, publishes a per-jurisdiction binding-method table with a documented Rev. Proc. 2024-28 migration, and documents all six awkward cases with product mechanisms — then rents the whole record back to you, because the terms grant access 'only for the duration that you continue to pay' and the only documented backup route itself requires an active subscription.Strength: Awkward case treatment — 9/10Watch-out: Three compounding surprises, all landing after the card is charged. (1) YOUR REPORTS ARE RENTED — THOUGH YOUR DATA IS NOT DELETED. Terms clause 5.2: "For recurring services, we grant you and your Authorised Users a right to access the relevant Services only for the duration that you continue to pay for the Service, subject to these Terms." The cancellation article is blunter: "Once your subscription expires, you will lose access to any paid features, including tax reports." Read the whole article, though, because the same page also says: "The data and integrations you have imported are retained and can still be reviewed on the Accounts and Transactions pages unless a refund is issued, which may result in their deletion." So the history stays visible; what dies is the ability to REGENERATE the filed report and to EXPORT anything. The documented escape hatch does not survive either: "Currently, the only way to back up your data in Summ (formerly Crypto Tax Calculator) is by exporting your Transaction report. This ensures you have a copy of your raw data outside the platform.", which requires an active subscription ("An active subscription is required to download reports for all years.") and whose nine columns carry no cost basis. Stop paying in year three and the 2025 return you already filed cannot be regenerated to defend an audit — even though you can still look at the transactions behind it. (2) AT $49 AND $99 YOU CANNOT CHANGE THE INVENTORY METHOD. The pricing page, fetched 2026-09-29, no longer names inventory methods by tier (the features that start at Investor ($249) are "Tax minimisation algorithm", "Tax loss harvesting", "Advanced reports" and "Audit report"), but the vendor's own pricing help article states the gate: "Additionally, tools like the Tax Loss Harvesting Tool, advanced inventory methods, and advanced reports are only available on Investor and Trader Plans." The US default is Highest In First Out, so a US filer on Rookie or Hobbyist is locked into HIFO — a method that materially changes the tax owed — and the fix costs $200 more rather than a settings click. (3) UK FILERS WITH DEFI FACE A ONE-WAY DOOR: "Please note that, currently, the Bridge and Swap categories are not supported if you choose HM Revenue and Customs as your inventory method. If you use other inventory methods (e.g., First In First Out or Average Cost), you can use these categories but will not be able to switch back to HM Revenue and Customs." The method that actually binds under UK law is unavailable to anyone who has bridged or swapped, and leaving it is irreversible. Worse, the escape is paywalled: "In Summ (formerly Crypto Tax Calculator), we provide three inventory methods if your country setting is the UK. The HM Revenue and Customs method is available for all paid subscriptions. We also provide the First In First Out and Average Cost inventory methods for users on the Investor and Trader plans." — so a UK filer on Rookie ($49) or Hobbyist ($99) has HMRC as their only method and therefore cannot use the Bridge or Swap categories at all. Lesser but real: the pricing page, fetched 2026-09-29, no longer lists smart contract transactions by tier, but the vendor's help centre puts them above the $49 tier: "Certain features, such as smart contract transactions, require a subscription to the Hobbyist Plan or higher."