Crypto tax in Finland (2026): rules, rate and deadlines

The main crypto tax rules for private investors in Finland, in plain language, with the official sources.

Checked November 2026Information, not tax advice

30% / 34%

on gains (34% above €30,000)

€1,000

year's sale prices up to this: gains tax-free

20% / 40%

of the price can replace the real cost

See a full example Tax reportWhat Pro shows for Belgium, the Netherlands, Germany and France, with fictional members and data. Your own country works the same way.Open the example

The rules

The rules in Finland in short

Checked November 2026
What is taxed
Selling crypto for money, swapping it for another crypto (stablecoins included), paying with it, wrapping coins and depositing them in a liquidity pool.
Rate
Capital income: 30%, and 34% on the part above €30,000. Staking and lending income is capital income when received.
Not taxed
Gains, when the sale prices of everything you sold that year total €1,000 or less. Moving coins between your own wallets. Token migrations.
Holding period
No holding period. Oldest coins count as sold first (FIFO). Instead of the real cost you may use 20% of the price (40% if held 10 years or more).
Where to declare
OmaVero (MyTax): Capital income → Capital gains → "Crypto assets" (or paper form 9). Staking under other capital income.
Key dates
Calendar year. The deadline is printed on your pre-completed tax return, usually in April of the following year.

Quick estimate · no account needed

What would you pay?

Net gain in 2026€25,000
Tax at 30%€7,500

Assumes your sales that year total more than €1,000 and your capital income stays under €30,000. A simplified example. Your own situation can differ.

Worked out in your browser. Nothing is sent or saved.

For the exact figure, upload your exchange files: the estimate for every sale is free with an account.

Create a free account

PRO

Work out your own number

Upload your exchange files and get a free estimate with the rules for Finland. Pro adds the check for missing costs and the file for your accountant.

PROPro also shows where each figure goes in the tax return for Finland, with copy buttons and a printable sheet.

See the Pro planSee an example Tax report

Export guide

Export guides per exchange

Step by step: how to download your history from each exchange the tax overview reads.

FAQ

Questions people ask

What is taxed on crypto in Finland?

Selling crypto for money, swapping it for another crypto (stablecoins included), paying with it, wrapping coins and depositing them in a liquidity pool.

How much tax do you pay on crypto in Finland?

Capital income: 30%, and 34% on the part above €30,000. Staking and lending income is capital income when received.

What is not taxed?

Gains, when the sale prices of everything you sold that year total €1,000 or less. Moving coins between your own wallets. Token migrations.

Does it matter how long you hold your crypto?

No holding period. Oldest coins count as sold first (FIFO). Instead of the real cost you may use 20% of the price (40% if held 10 years or more).

Where do you declare crypto?

OmaVero (MyTax): Capital income → Capital gains → "Crypto assets" (or paper form 9). Staking under other capital income.

When do you declare?

Calendar year. The deadline is printed on your pre-completed tax return, usually in April of the following year.

Check it yourself

Official sources

  • No exchange login, no stored keys

    You upload the files your exchange gives you. We never ask for exchange passwords or wallet signatures. Your data is stored in the EU (Frankfurt) and never sold.

  • One price, no fee per tax year

    Every tax year is included, and your whole history in the files you upload counts for your purchase prices, so older buys are not lost. Pro covers up to 3,000 transactions a year; Pro Large up to 20,000.

  • Free for your accountant

    Share your report and your accountant gets a free dashboard: the figures, open issues and a CSV. No subscription for them. Available for accountants in Belgium and the Netherlands.

    For accountants →

Information, not tax advice. Rules change; check your return with your tax authority or an accountant. All sources & methods