Crypto Tax Calculator has been called Summ since October 2025. Anyone weighing the two tools quickly runs into one key difference: CoinTracking was founded in 2012 in Munich and has supported German crypto investors since the market's earliest days. Summ launched in 2018 in Sydney and entered the DACH market as part of its international expansion.
That difference shows up in practice: in the depth of country-specific tax reports, in the DATEV integration built for tax advisors, and in how deeply the platform is rooted in German tax law. CoinTracking brings over a decade of experience working with German tax authorities. Today, more than 2.2 million users worldwide rely on the platform.
Quick Comparison: CoinTracking vs. Summ at a Glance
| Feature | CoinTracking | Summ |
|---|---|---|
| Founded | 2012 | 2018 |
| Founding Location | Munich | Sydney |
| DACH Market Presence | since 2012 | since ~2020 |
| Billing | 1 year / 2 years / Lifetime | annual only |
| Lifetime Plan | ✅ | ❌ |
| Starting Price | from €39/year | from €49/year |
| All Tax Years With One Plan | ✅ | ✅ |
| Unlimited Plan (No Transaction Cap) | ✅ | ❌ |
| Tax Reports DE | ✅ | ✅ |
| Tax Reports AT & CH | ✅ | ✅ |
| DeFi & NFT | ✅ | ✅ |
| Source of Funds Report | ✅ | ❌ |
| German-Language Support | ✅ | ❌ |
| Full-Service by Expert Team | ✅ | ❌ |
| White-Label for Tax Advisors | ✅ | ❌ |
| DATEV Integration | ✅ | ❌ |
| ISO 27001 | ✅ | ❌ |
| Server Location | EU (Germany) | US (AWS) |
| Anonymous Registration | ✅ | ❌ |
While both tools cover the basics, clear differences emerge elsewhere. CoinTracking was founded in 2012 in Munich and brings over a decade of experience with German tax law. Summ launched in 2018 in Sydney and entered the DACH market later. That head start shows up in features like DATEV integration, German-language support, and a dedicated full-service expert team. CoinTracking also offers a lifetime plan, unlimited transactions, and EU servers with anonymous registration, none of which Summ offers.
Summ is only available as an annual subscription. CoinTracking is the only tool in this comparison that also offers a lifetime plan. Users who plan for the long term pay once and never need to renew annually.
Price Comparison: Summ vs. CoinTracking
Both platforms count transactions cumulatively across all tax years. The difference lies in the plan structure: Summ jumps directly from 1,000 to 10,000 transactions with no tier in between. CoinTracking closes that gap with its Pro plan (3,500 transactions). Users planning for the long term also get the option of a lifetime plan with CoinTracking, something Summ doesn't offer.
CoinTracking Pricing (As of June 2026)
| Plan | Price/Year | Transactions (Limit) | Notable Feature |
|---|---|---|---|
| Free | €0 | Portfolio view | no tax report |
| Starter | €39 | 200 | Tax reports |
| Pro | €129 | 3,500 | Auto-import, API access |
| Expert | from €219 | from 20,000 | Source of Funds report included, tax optimization |
| Unlimited | €769 | unlimited | all features |
| Corporate | €1,599/year | unlimited per account | 3 accounts, white-label |
Transactions are counted cumulatively across all years. You can find more detail on the CoinTracking pricing page. On top of that, there is a 7-day free trial and a 14-day money-back guarantee.
Summ Pricing (As of June 2026)
| Plan | Price/Year | Transactions (Limit) | Notable Feature |
|---|---|---|---|
| Free | €0 | — | Portfolio view, no tax report |
| Rookie | €49 | 100 | Basic tax report |
| Hobbyist | €99 | 1,000 | + DeFi, smart contracts |
| Investor | €249 | 10,000 | + Advanced reports, tax-loss harvesting |
| Trader | €499 | 100,000+ | + Priority support |
One thing stands out: there is no tier between Hobbyist and Investor. Anyone with 1,001 cumulative transactions has to upgrade directly to the Investor plan.
Calculation Example 1: A Beginner With One Tax Year
| Scenario: 1 Tax Year, 100 Transactions | Annual Cost |
|---|---|
| CoinTracking Starter | €39 |
| Summ Rookie | €49 |
CoinTracking Starter costs €39, less than Summ Rookie's €49. It also covers up to 200 transactions, including a complete tax report with everything needed for Anlage SO.
Calculation Example 2: An Active Investor Over Multiple Years
| Scenario: 5 Years × 400 Transactions (2,000 Total) | Cost Over 5 Years |
|---|---|
| CoinTracking Pro (1-Year Plan) | €645 (5 × €129) |
| CoinTracking Pro (Lifetime Plan) | €569 (one-time) |
| Summ Investor | €1,245 (5 × €249) |
At 2,000 cumulative transactions, the limit of Summ's Hobbyist plan (1,000 transactions) is exceeded. An upgrade to the Investor plan at €249/year becomes necessary. CoinTracking Pro covers the same volume for €129/year. Users planning for the long term pay just €569 once with the lifetime plan. German-language support is included, and the Expert plan adds the Source of Funds report at no extra cost.
Features in Detail: Where the Differences Lie
Import, automatic classification, and tax reports: both tools handle these solidly. The difference shows up where it matters most for DACH users: in tax reports, calculation methods, and the support behind them.
Crypto Tax Report Comparison
| Feature | CoinTracking | Summ |
|---|---|---|
| Complete PDF tax report | ✅ | ✅ |
| German tax report | ✅ | ✅ |
| Austria report | ✅ | ❌ |
| Switzerland report | ✅ | ❌ |
| Crypto gains & losses | ✅ | ✅ |
| Crypto income | ✅ | ✅ |
| Crypto holding period | ✅ | ✅ |
| WISO Steuer export | ✅ | ✅ |
| DATEV export | ✅ | ❌ |
| Per-wallet calculation | ✅ | ✅ |
| Tax calculation methods | 14 | 5 |
| Source of Funds report | ✅ | ❌ |
CoinTracking covers the entire DACH region with country-specific reports, while Summ officially documents only Germany. CoinTracking also offers 14 tax calculation methods compared to Summ's 5, which gives more room for tax optimization. On top of that, there is DATEV export for handing data directly to a tax advisor and the Source of Funds report, which Summ doesn't offer.
Countries and Tax Forms
| Country (Country-Specific Report) | CoinTracking | Summ |
|---|---|---|
| Germany | ✅ | ✅ |
| Austria | ✅ | ❌ |
| Switzerland | ✅ | ❌ |
| United Kingdom (UK) | ✅ | ✅ |
| United States (US) | ✅ | ✅ |
| Australia | ✅ | ✅ |
| Canada | ✅ | ✅ |
| Spain | ✅ | ❌ |
| Romania | ❌ | ✅ |
| Belgium | ✅ | ❌ |
| Italy | ✅ | ❌ |
| Netherlands | ✅ | ❌ |
| Norway | ✅ | ❌ |
| Sweden | ✅ | ❌ |
| Finland | ✅ | ❌ |
| Denmark | ✅ | ❌ |
| Poland | ✅ | ❌ |
| Ireland | ✅ | ❌ |
| New Zealand | ✅ | ❌ |
| India | ✅ | ❌ |
| France | ❌ | ✅ |
| Total country-specific reports | 20+ | 7 (documented) |
| Total countries (generic report) | 100+ | 100+ |
CoinTracking supports over 20 countries with specific tax reports, compared to 7 officially documented for Summ. For users with international tax obligations or a portfolio spanning multiple countries, that is a meaningful difference.
Portfolio Tracking & Analytics
| Feature | CoinTracking | Summ |
|---|---|---|
| Real-time portfolio | ✅ | ✅ |
| Realized gains | ✅ | ✅ |
| Unrealized gains | ✅ | ✅ |
| Cost basis | ✅ | ✅ |
| Balance per exchange | ✅ | ✅ |
| Balance per currency | ✅ | ✅ |
| Missing transactions | ✅ | ✅ |
| Duplicate transactions | ✅ | N/A |
| Automatic sync | ✅ | ✅ |
| NFT support | ✅ | ✅ |
| NFT Center (dedicated section) | ✅ | ❌ |
| Coin charts | ✅ | ❌ |
| Tax-loss harvesting | ✅ | from Investor plan |
| Tax-free coins after holding period | ✅ | N/A |
| 25+ configurable reports | ✅ | ❌ |
| Margin/futures import (automatic) | ✅ | ❌ |
| FIFO simulation per wallet | ✅ | ❌ |
The differences show up mostly in the analytics features. CoinTracking offers over 25 configurable reports and analyses for deep portfolio insight. Tax-loss harvesting is only available from Summ's Investor plan onward, while CoinTracking includes it in every plan. CoinTracking imports margin and futures trades automatically, while Summ requires these to be entered manually.
CoinTracking's lifetime models pay off for the long haul. Investors with a long-term horizon pay once with CoinTracking Lifetime and never again for future tax years.
Regulatory Context: Source of Funds and DAC8
The relevance of the Source of Funds report keeps growing. For larger withdrawals or account openings, banks and tax offices increasingly ask about the origin of crypto assets. On top of that, there is a new reporting obligation for crypto providers: starting in 2026, they collect transaction data, with the first report to Germany's Federal Central Tax Office, the Bundeszentralamt für Steuern, due in 2027. With the Source of Funds report included in the Expert plan, you are prepared for both requirements. Summ offers no comparable solution.
What CoinTracking Offers That Summ Doesn't
CoinTracking has depth. With over 14 years of DACH focus, local tax rules, complex DeFi portfolios, and specialized documentation requirements are not an add-on, but the core of the product. That shows up in 14 calculation methods, over 25 configurable reports, historical price data, and integrations even with exchanges that shut down long ago.
With the full-service option, a German-speaking expert team handles the entire process, from import all the way to the finished tax report. Tax advisors additionally get white-label reports and DATEV export. Getting started is no-commitment: a free 15-minute initial consultation in German.
On top of that, there is the Source of Funds report and a pricing model to fit every situation.
Which Tool Is Right for You?
The breakdown below helps you find the right choice for your situation.
When CoinTracking Is the Better Choice
CoinTracking fits nearly every use case, especially when:
- You need DACH tax expertise that has grown since 2012, not one added on as an afterthought.
- You want to pay once and use the lifetime plan.
- You want to truly understand and analyze your portfolio.
- You need a Source of Funds report and want to be prepared for DAC8.
- You expect German-language, expert-level support.
When Summ Is Enough
- You're subject to tax exclusively in Australia.
- Your portfolio is entirely outside the DACH region and you don't need specific DACH tax expertise.
Switching from Summ to CoinTracking
Switching from Summ to CoinTracking is easier than it sounds. Most transaction data can be reconnected directly through the original exchanges. Alternatively, Summ export files can be imported as CSV:
- Connect your data: Link exchanges and wallets directly to CoinTracking via API, for example Coinbase or Binance. This is the recommended method because the full history comes straight from the source. Alternatively, export your transaction history from Summ as a CSV file and import it into CoinTracking.
- Check the classification: Review the imported transactions, for example staking, DeFi positions, or transfers.
- Generate the tax report: Create your crypto tax report and use it for Anlage SO.
Your existing crypto history stays fully intact throughout the process.
More Tool Comparisons
- CoinTracking vs. Koinly
- CoinTracking vs. Blockpit
- CoinTracking vs. CoinLedger
- CoinTracking vs. CoinTracker
Conclusion: Summ or CoinTracking?
Overall, CoinTracking is the better choice and delivers everything demanding users need: country-specific tax reports for over 20 countries, a Source of Funds report, granular analytics, and personal support. Its lifetime pricing model also makes it significantly more cost-efficient over time.
See the difference for yourself
Import your trades, generate a full tax report and get your Source of Funds documentation, all with one CoinTracking plan.
Disclaimer
The information provided in this article is intended for general informational purposes only and should not be construed as financial, tax, or legal advice. Tax rules vary by jurisdiction and change over time, so always confirm current requirements with a qualified tax advisor before making decisions based on this content. The author and publisher are not responsible for any losses or damages incurred as a result of using the information in this article.
