Crypto taxation · for individuals · Finland

A messy crypto history, sorted out.

Thousands of swaps, several wallets, lost CSV files. We trace your history all the way from the chain and hand you a finished report that can be attached to your tax return or claim for adjustment as it is.

We never ask for your recovery phrase, keys or passwords — for the diagnosis, an exchange transaction export and a public wallet address are enough.

2

things from you: an exchange transaction export (CSV) and one wallet address — we trace the rest

3–20

business days to delivery depending on the service level, once the material is in

145 €

from — final price, agreed before work starts

0 €

diagnosis, which also tells you if you don't need us

Do any of these sound familiar

Just one is reason enough to get it sorted.

You meant to sort it out when you had time, and that was two years ago.

You swapped one coin for another dozens of times, because it didn't feel like selling.

The old phone that had your wallet on it is lost.

You tried to work it out in Excel and gave up at the third tab.

You made a loss and reported nothing, because you thought you didn't have to.

You reported something, but you don't know if it was right.

In all of these the outcome is the same: the figures exist, but they are scattered. Nothing is lost — putting it together just takes time and the right tools.

Window of time

Correcting it is voluntary only for a while.

Your own reporting obligation has applied all along. What is new is that crypto service providers became subject to a reporting obligation from the start of 2026 — and once the data starts flowing to the Finnish Tax Administration (Verohallinto), a voluntary correction turns into a response.

300 000

Finns are estimated to own crypto assets

8 200

reported crypto trades for tax year 2023

17 000

filers in the record year 2021

30 000+

text message reminders from the Tax Administration in spring 2025

Figures: Tax Administration press release, 3 Apr 2025.

Always

Your own reporting obligation

Disposals of crypto assets have been taxable and reportable all along. This did not change in 2026 and will not change in 2027 — past years must be reported too.

1.1.2026

Exchanges became subject to reporting

Domestic and foreign service providers began collecting users' identification and transaction data for reporting. What is new is not your obligation but the fact that the data now travels without you.

Now · 2026

Correct it yourself

For a voluntary correction made after the tax assessment has closed, the tax increase (penalty surcharge) is 0.5 % of the added income instead of the usual 2 %. For repeated neglect it is 3–10 %.

2027

The data is transferred

Exchanges report 2026 purchases, sales and transfers per crypto asset — from abroad too.

After that

Requests for clarification

Comparison with what was reported begins. Past years are still open, but the cost and effort are a different matter.

Deliverable

You don't get an estimate. You get a document.

The result is a ready-to-sign report for each tax year: a summary, the fields to enter in MyTax (OmaVero), the calculation principles with legal references, data sources, the deadline — and, as an appendix, every disposal line by line with a transaction ID that can be checked in a blockchain explorer.

01 · Breakdown

Every disposal, one FIFO lot at a time

Acquisition date, holding period, disposal price, actual acquisition cost and deemed acquisition cost side by side — and which one was chosen.

02 · Filing

MyTax fields ready

By tax year, in exactly the form the figures are entered in MyTax: Capital gains › Add a new disposal › asset type Crypto assets.

03 · Losses

Which losses are still usable

Losses to be confirmed, their deduction period year by year, and those that are not deductible at all. More often than not, this pays for the work.

04 · Proof

Reconciliation to on-chain balances

After the calculation, the remaining lots are compared with the wallets' actual balances. If transactions were missing, the balance would not match. This is the difference between a calculation and a guess.

05 · Justification

Methodology statement

Which sources were used, what was missing, what was estimated and on what basis. This is the document you present if questions are asked.

Report on disposals of crypto assets
tax year 20XX · appendix to tax return
1Summary — disposals in the tax yeardisposals · prices · acquisition costs · gains · losses · net
2Information to enter in MyTaxasset type, acquisition date, disposal date, appendices
3Calculation principlesTVL 45–50 § · FIFO (KHO 2024:123) · valuation · network fees
4Location of assets and data sourceschains, addresses, active years
5Deadline and filing methodVML 64 § · last day for a claim for adjustment
L1Appendix 1 — disposal breakdownevery row with a transaction ID
Place and dateSignature
How it works

Four steps, one fixed price

01

Diagnosis

You send an exchange transaction export and one wallet address. You get an estimate of the size of the mess and a fixed price.

02

Material

You get an exact list of what to fetch and from where, with exchange-specific instructions. The only step that takes your time.

03

Reconstruction

We fetch the transactions from the chain, link the wallets, fill the gaps and calculate the disposals on a FIFO basis.

04

Walkthrough

We go through the result with you, and you get a ready-to-sign report along with a recommended course of action.

Pricing

Fixed price, agreed before work starts

The diagnosis tells you the level and the price. If the case turns out heavier than estimated, we pause and offer you options — we don't bill surprises afterwards.

Valid until 31.12.2026

The promotional prices are valid until the end of the year. The reason is in the calendar. Crypto service providers have been collecting your transaction data since 1 Jan 2026 and will report it to the Tax Administration for the first time in January 2027. So this is the last autumn when you can sort out your history at your own pace — from next spring the data will already be with the other side. Your price is locked in the offer and does not change during the work.

Diagnosis
0 €reply within 24 h · no commitment
  • Estimate of the workload and the scale of the tax consequences
  • Fixed offer, valid for 14 days
  • We also tell you if you don't need us
Everything starts here.
Quick Check
290 €145 €final price · delivery in 3 business days
  • One exchange account, one tax year, up to 300 transactions
  • Disposal calculation and figures ready for your tax return
  • No chain data, no walkthrough call — report by e-mail
  • Fully credited if you move up to a larger package within 30 days
When you have doubts about one year.
Basic
390 €195 €final price · delivery in 5 business days
  • 1–2 sources, up to 500 transactions
  • Up to 3 tax years
  • Exchange transaction exports, full deliverable
One exchange, a forgotten year.
Most common
Extended
840 €420 €final price · delivery in 10 business days
  • Your wallets are known: up to 5 exchanges or wallets
  • Up to 3 000 transactions and 5 tax years
  • Swaps and transfers between your own wallets interpreted
  • Missing acquisition data reconstructed
  • Reconciliation to on-chain balances
When you know your wallets, but the figures are a mess.
Chain Reconstruction
1 390 €695 €from · tiered pricing
  • Everything in Extended, plus:
  • Unknown wallets traced from exchange purchases
  • Multiple chains and bridges, no limit on sources or tax years
  • Staking and DeFi interpreted
When even you don't know where all the funds have gone.

Extended or Chain Reconstruction? The difference is in the starting data. With Extended you know all your wallets and exchanges, and we build the calculation from them. With Chain Reconstruction some of the funds have passed through wallets or chains you no longer remember, so they are traced first. The diagnosis tells you which one is enough.

Chain Reconstruction tiers

Every tier includes the full content of Chain Reconstruction. A larger history adds more, and the price per transaction falls: a 15 000-transaction reconstruction costs under 6 cents per transaction. The transaction count comes out in the diagnosis, so you know your tier before you decide anything.

up to 6 000A few wallets, 1–2 chains, a couple of active years.
  • Full content of Chain Reconstruction
  • 30-min walkthrough
1 390 €695 €delivery 2 weeks
6 000–15 000Active swapping across several chains and bridges.
  • Per-token summary: where the gains and losses came from
  • 60-min walkthrough
1 740 €870 €delivery 3 weeks
15 000–30 000Bot trading, DeFi recycling or years of daily trading.
  • Per-token summary and 60-min walkthrough
  • The most urgent tax year is delivered first, the rest after
  • One revision round if you find another missing wallet
2 090 €1 045 €delivery 4 weeks
over 30 000 or heavy DeFiExtensive lending, liquidity pools and leveraged positions.
  • Schedule and delivery agreed based on the diagnosis
quoteafter the diagnosis

The struck-through figure is the regular price; the lower one is the promotional price, valid until 31.12.2026. If the Finnish Tax Administration (Verohallinto) later sends a request for clarification, we help with the response at 165 €/h. Prices are final, including VAT: the invoice total is the same as on the price list and nothing is added on top. Tax calculation software costs 49–399 € per tax year and leaves the work to you. With us, you know the price before you hand anything over.

Step 1 · free of charge

How many transactions does your wallet really have?

Free diagnosis: we do the checking, not you

Send your exchange transaction export and one wallet address. We run the same tracing and reconciliation as in a paid engagement, and tell you what the data revealed. Free, no obligation to buy.

What you send

Two things, both easy

  • Exchange transaction export (CSV) from every account, covering the full history. You get exchange-specific instructions for finding the export along with the diagnosis.
  • One public wallet address per chain — preferably the one you withdrew to from the exchange. We don't need a wallet file, and we never need seed words or passwords.
  • If you can't remember a single address, that's not a problem: they can be found from the transaction IDs on the withdrawal rows.
What you get back

Three numbers and a price

7own wallets found by tracing
6 420disposals in the data
4tax years affected
Fixed price for the reconstruction870 €

Example figures. Your own figures come from your own data.

Unlocked with the engagement
  • Which wallets they are and how they were found
  • Line-by-line breakdown of disposals with FIFO lots
  • Tax consequence in euros, one tax year at a time
  • The figures to enter in MyTax (OmaVero)
  • Reconciliation to on-chain balances and a methodology statement

The diagnosis is work, not a form. That's why it tells you something you can't guess yourself, and why we only do a limited number at a time. The breakdown and calculation are the work you pay for in the reconstruction — the diagnosis tells you the size of the mess, the reconstruction its contents. If the numbers show you don't need us, we'll say so plainly and charge nothing.

Send your data for diagnosis

How your data is handled is described in the privacy notice. We never ask for a recovery phrase, keys or passwords.

Or try it yourself first · no contact details

Quick estimate in six questions

This estimate is based on what you remember — not on your data. It gives a price range and service level, but not what your history actually contains. The real transaction count is usually higher than the guess. That's what the diagnosis is for.

Preliminary estimate
Frequently asked

The questions that always come first

Will I have to pay a fine if I report past years now?
Not a fine, but a tax increase (penalty surcharge) or a late-filing fee, and which one depends on timing. If you report the missing information before the tax assessment is completed, the consequence is a late-filing fee: 50 euros per tax year for a natural person. If you request a correction on your own initiative only after the assessment has been completed, the tax increase is 0.5% of the added income instead of the usual 2%. In euros, the difference is small. What matters is that for repeated neglect or conduct showing obvious disregard, the tax increase is 3–10% — and it is only determined once the Tax Administration steps in itself.
How many years back should I go?
All years with unreported disposals. The practical reason is the acquisition cost: if an old purchase is missing, the gain on a later sale is calculated with a zero acquisition cost, which is considerably more expensive for you than the correct figure. In addition, confirmed capital losses can be used over the next five tax years, so an old loss can reduce this year's tax. The deadline for a claim for adjustment (oikaisuvaatimus) is three years from the start of the year following the end of the tax year.
Is swapping one crypto for another a taxable event?
Yes. A swap is a disposal where the sale price is the fair value in euros of the asset received at the moment of the swap, and that same value becomes the acquisition cost of the asset received. This is the single most common reason self-calculations go wrong — and why there are often many times more transactions than people remember making.
What if I've only made a few sales?
If the total sale prices received in the same tax year are no more than 1 000 euros, the capital gain is not taxable income. Other assets count towards the limit too, including shares and funds, but not disposals separately designated as tax-exempt or ordinary household goods. Note that the limit is calculated from sale prices, not from the gain — and that crypto-to-crypto swaps add to sale prices, so the limit is often exceeded much earlier than people think. The flip side of the same provision is that a loss is not deductible either in that case. If you are below this limit, we'll tell you in the diagnosis and won't sell you anything.
Is this safe?
Yes, and the reason lies in the nature of the blockchain. The address you give is public information: every transaction made with it has been readable by anyone from the moment it was recorded on the chain. So the address gives us nothing that isn't already public, and we don't collect anything hidden. The difficulty isn't obtaining the information but organising it: ten thousand transactions, several chains, swaps, bridges and sub-wallets form a mess that takes tools and time to untangle. That's exactly what you pay for.

What we will never ask for: a recovery phrase, private key, password, exchange credentials or codes. A public address cannot be used to move your funds or to log in anywhere. If someone asks you for anything else, it isn't this service.

The exchange transaction export is a different matter — it contains personal data and is handled accordingly: encrypted connection, storage within the EU, no disclosure to third parties.
How do you handle my data?
At the diagnosis stage we ask for your exchange transaction export and one public wallet address, because without data there is no diagnosis — a mere guess tells neither of us anything. We process only the data the calculation requires, store it within the EU and don't disclose it to third parties. If the diagnosis doesn't lead to an engagement, the diagnosis data is deleted immediately on request and otherwise within three months at the latest. If the work proceeds to an engagement, the engagement data is kept for one year from delivery so that the basis of the calculation is available if the Tax Administration asks for further clarification. After that, the data is deleted. You can request your data or its deletion at any time.
Why shouldn't I just use tax calculation software?
Do, if your history is tidy: one exchange, working transaction exports, no on-chain transactions. Then software is cheaper and perfectly sufficient. Software does, however, assume you feed it complete data — and that's exactly the part most people never get done. Missing acquisitions, defunct exchanges, unrecognised swaps, bridges between chains. We do that part.
What if the Tax Administration has already contacted me?
Tell us right away in the diagnosis and mention the deadline. The work is then done on an hourly basis and with priority: we compile the data, draft the response and go through it with you. We do not represent you legally and do not handle appeals to the administrative court.
Next step

Let's find out how big the mess really is.

The diagnosis is free, and you get an answer within 24 hours of your request. Most people then know for the first time what they're dealing with — whether they buy the service or not.