Crypto Portfolio Calculator – Calculate Profits, Losses & Performance
With the Crypto Portfolio Calculator, you can keep track of your cryptocurrencies at all times. Enter the purchase price, quantity, and current price of your coins to instantly calculate the profit or loss of your portfolio. The calculator also shows scenarios like price doubling, +50%, +10%, or -20%, so you can simulate the effects of different market developments. Ideal for crypto investors, traders, or beginners who want to plan their strategy transparently. It is useful for monitoring portfolio performance, identifying risks, and making informed decisions for trading or long-term investment. Save time and stay in control of your digital assets with a clear, visual representation of the numbers.
Calculator
Tips, Examples & Notes for the Crypto Portfolio Calculator
Tips: Enter all coins correctly, including purchase price and quantity, to receive exact results.
Use the scenarios to visualize risks and potential profits.
Examples: A portfolio with 0.5 BTC at $25,000 and 2 ETH at $1,800 directly shows how value changes
affect your total holdings. You see not only the current profit but also the performance in the event of price doubling or losses.
FAQ: "Can I account for mining or electricity costs?" – Yes, you can optionally enter costs per unit.
"What happens if I track multiple coins simultaneously?" – The calculator automatically sums all values and shows the total return.
Notes: Use the calculator regularly to monitor market movements. It does not replace tax advice,
but it simplifies portfolio analysis and decision-making.
Tips, Examples & Notes
Tips: Enter all coins correctly, including purchase price and quantity, to receive exact results. Use the scenarios to visualize risks and potential profits. Examples: A portfolio with 0.5 BTC at $25,000 and 2 ETH at $1,800 directly shows how value changes affect your total holdings. You see not only the current profit but also the performance in the event of price doubling or losses. FAQ: "Can I account for mining or electricity costs?" – Yes, you can optionally enter costs per unit. "What happens if I track multiple coins simultaneously?" – The calculator automatically sums all values and shows the total return. Notes: Use the calculator regularly to monitor market movements. It does not replace tax advice, but it simplifies portfolio analysis and decision-making. Especially in volatile markets, it is sensible to check scenarios before making new investments. This way, you plan strategically, protect your capital, and identify opportunities or risks early. ------No investment advice / High risk ---------
Position: BTC
Scenarios are based on the current price of this position.
Crypto Portfolio Profit Calculator: P&L, Cost Basis, Scenarios & German Tax Overview
This calculator tracks profit and loss across a multi-coin crypto portfolio, calculates your cost basis (average buy-in price), shows unrealised and realised gains per coin, and runs price scenarios (2×, −50%, custom). It also includes a German tax summary — highlighting which holdings have passed the 1-year tax-free holding period (§23 EStG) and which remain taxable if sold today.
Multi-Coin Portfolio Tracker
Add BTC, ETH, and any altcoin with buy price, quantity, and purchase date. The calculator shows current P&L, percentage gain/loss, and portfolio allocation per coin in a live donut chart.
Price Scenario Simulator
Run instant scenarios: what is your portfolio worth if BTC hits €100,000? If ETH drops 40%? Enter any custom target price per coin and see total portfolio value and P&L update instantly.
Cost Basis (Average vs. FIFO)
If you made multiple purchases of the same coin at different prices, the calculator supports both average cost basis (Durchschnittswert) and FIFO (First In, First Out) methods — both accepted by German tax authorities.
German Tax-Free Holding Check
For each coin purchased, checks whether the 1-year holding period under §23 EStG has been met. Holdings held over 1 year are tax-free in Germany; under 1 year, gains are subject to the personal income tax rate (up to 45%).
Cryptocurrency Taxation in Germany: The §23 EStG Framework
| Scenario | Tax treatment (Germany 2026) | Tax rate | Notes |
|---|---|---|---|
| Sell after >1 year holding | Tax-free (§23 Abs.1 Nr.2 EStG) | 0% | No declaration required for tax-free gains |
| Sell within 1 year of purchase | Taxable as private Veräußerungsgeschäft | Personal income tax rate (14–45%) | Annual exemption: €1,000/person (since 2024) |
| Gain below €1,000/year (total) | Tax-free regardless of holding period | 0% | Freigrenze — all gains become taxable if exceeded by €1 |
| Staking / mining rewards | Income tax at receipt (Einkünfte aus sonstigen Leistungen) | Personal income tax rate | Start of holding period for the 1-year rule is receipt date |
| DeFi lending / liquidity provision | BMF letter Sept. 2022: complex rules; often taxable as income | Personal income tax rate | Consult Steuerberater for DeFi positions |
| Crypto-to-crypto exchange | Taxable disposal — triggers P&L realisation | Personal income tax rate (if under 1 year) | BTC→ETH swap = sell BTC + buy ETH for tax purposes |
Average Cost vs. FIFO: Which Method Produces Lower Tax?
- FIFO (First In, First Out) — Germany's default assumptionWhen you sell part of a holding, the oldest purchased units are assumed sold first. If your oldest purchases have the lowest cost basis (bought early when prices were low), FIFO produces the highest taxable gain — and if those older units have passed the 1-year threshold, it produces a tax-free gain. FIFO benefits holders with early low-cost purchases that have passed the holding period.
- Average cost basis (Durchschnittswert)All purchases of the same coin are averaged into a single cost basis. Simplifies calculation when many purchases were made at different prices. German tax authorities have accepted average cost basis in practice, though FIFO is technically more precise. Average cost is better when you have older low-cost units you want to protect from being "used up" by FIFO in a partial sale scenario.
- Optimisation strategy: use the 1-year ruleThe most tax-efficient approach for German holders: (1) Never sell holdings under 1 year unless absolutely necessary. (2) In December, calculate whether your total short-term gains will exceed the €1,000 Freigrenze — if yes, defer sales to January. (3) Consider tax-loss harvesting: realise losses in the same year as gains to offset taxable P&L (losses on short-term holdings offset short-term gains). (4) Use a dedicated crypto tax tool (e.g., CoinTracking, Blockpit, Accointing) to generate compliant §23 EStG reports for your Steuererklärung.
Frequently Asked Questions
Does the 1-year tax-free rule still apply in Germany in 2026?
Yes. As of 2026, the 1-year holding period rule (Spekulationsfrist) under §23 EStG still applies to cryptocurrencies held by private individuals. If you buy Bitcoin or any other cryptocurrency and sell it more than 1 year after purchase, the gain is completely tax-free regardless of the amount — there is no upper limit. This is one of the most favourable crypto tax treatments in Europe and a significant advantage for long-term HODLers in Germany. Note: the BMF (Bundesministerium der Finanzen) issued a comprehensive guidance letter in May 2022 confirming that standard cryptocurrencies (BTC, ETH, etc.) qualify for the §23 Spekulationsfrist, but complex DeFi activities, NFTs, and some token structures may not qualify for the same treatment.
What is the €1,000 Freigrenze and how does it work?
The €1,000 Freigrenze (tax-free threshold for private sales) was increased from €600 to €1,000 effective from the 2024 tax year. It applies to the total net profit from all private Veräußerungsgeschäfte under §23 EStG in a calendar year — including crypto, but also foreign currency gains, commodity gains, and gains on assets sold within 1 year of purchase. Important: the Freigrenze is an all-or-nothing threshold (Freigrenze, not Freibetrag). If your total short-term gains are €999, you pay €0 tax. If they are €1,001, you pay tax on the full €1,001 — not just the €1 over the limit. This cliff-edge makes it worth actively managing your realised gains to stay below €1,000 if possible, especially in December. The Freigrenze applies per taxpayer — a couple filing jointly each has their own €1,000 threshold, giving them a combined €2,000 annual tax-free crypto profit (if taxable).
Is Bitcoin received as salary or freelance payment taxable?
Yes — crypto received as payment for work or services is taxable as income at the market value at the time of receipt, regardless of how long you subsequently hold it. For employees, it is taxed as wages (Lohnsteuer); for freelancers and self-employed individuals, it is income from self-employment (Einkünfte aus selbständiger Arbeit) or commercial activity. The receipt date also starts the 1-year holding period for the §23 Spekulationsfrist — so crypto received as payment that you then sell more than 1 year later is only taxed once (at receipt), not again on the capital gain. The cost basis for the subsequently held crypto equals the market value at receipt.
Do I need to declare crypto gains in my German tax return?
You must declare crypto gains in your Einkommensteuererklärung (Anlage SO — sonstige Einkünfte) if your total short-term gains (held under 1 year) exceed €1,000 in the calendar year. If all your gains are from holdings held over 1 year, no declaration is required for those gains (they are tax-free). However, you still need to be able to document your holdings and transactions in case of a tax audit — exchanges are increasingly reporting to German tax authorities under the EU DAC8 directive (CRS for crypto, effective 2026), and the Bundeszentralamt für Steuern receives reports from EU-regulated crypto platforms. Best practice: maintain a complete transaction history export from all exchanges and wallets, and use crypto tax software to generate a ready-made §23 EStG report each year even if no tax is due.
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