German Crypto Tax Holding Period Calculator

How this calculator works

This browser-based tool helps you make a first, transparent estimate from the values you provide. Enter the figures in the fields and the result updates as you edit them. JavaScript performs the calculation on your device; the calculator does not send your salary, property, vehicle or account details to a calculation server. Keep supporting documents secure and only enter sensitive figures on a device you trust.

Formula, assumptions and limits

Review the one-year holding-period rule for private crypto disposals in Germany. Private disposals and the one-year holding period are addressed in section 23 EStG.

Do not rely on a rounded estimate for a tax return, payment or legal decision. Compare it with official notices, current rate tables and professional advice where needed. Real-world outcomes may include additional reliefs, fees, rate changes or personal circumstances that a simple calculator cannot represent. Your entries are not saved and are discarded when you close the tab.

Use the output as a planning aid: verify each input, read the assumptions and adjust the figures when your circumstances differ. If an important detail is uncertain, contact the relevant authority or a qualified tax, legal or financial professional.

Before acting, check your inputs, tax year and jurisdiction. Note the assumptions used, compare the result with records and official guidance, and recalculate when rules or your circumstances change.

How to read the holding period and annual threshold

For some private crypto disposals in Germany, the holding period is important. This tool compares the months entered with the one-year period in section 23 EStG and lets you add other private disposal gains from the same calendar year. If an asset is sold within the period, the combined gain may need to be compared with the €1,000 annual exemption threshold. That threshold is a Freigrenze, not a tax-free allowance: crossing it can make the full relevant gain taxable. The calculator does not calculate your personal income tax; it highlights holding time and combined gains for further review.

Acquisition and disposal dates, transaction fees, swaps, cost basis, wallet transfers and the identification of individual asset lots can all matter. Exchanging one token for another or spending crypto may have a different tax treatment from moving funds between wallets you own. Staking, mining, lending and commercial trading may not follow the same private-disposal analysis. Keep a complete transaction history with timestamps and euro values, and retain records that explain transfers. Rules and administrative interpretation can change, while unusual activity needs individual analysis. Do not copy this estimate into a tax return without checking the relevant transactions and current guidance; ask a tax adviser to review complex histories.

Frequently asked questions