Waltio

Waltio tracks cryptocurrency holdings and prepares tax calculations and reports intended to help users comply with local rules. Its portfolio view shows wealth, allocation and performance, while calculations cover capital gains and losses as well as staking, farming, lending, mining and airdrops. Waltio says it categorizes DeFi transactions automatically, identifies spam tokens and tracks more than 10,000 assets for tax calculations. It lists more than 700 exchange, wallet and blockchain connections, using read-permission API keys, public wallet addresses or uploaded transaction history. Plans include a free tier and paid options from €39/yr. The free plan offers portfolio tracking and manual profit-and-loss calculations; the paid plans include transaction limits that vary by tier. Country coverage varies, and people outside countries with localized tax forms may need a tax adviser to map raw calculations to a return. The service is available on web and iOS, but document exports require a computer rather than the mobile app.

Waltio combines portfolio tracking with crypto tax calculations and reports across a wide set of connections. Review transaction limits, jurisdiction coverage and the computer-only document export before choosing a plan.

Waltio suits people tracking crypto holdings and preparing tax paperwork, including users with DeFi activity or multiple exchange and wallet connections. It may also suit users in supported jurisdictions who need localized tax forms.

Waltio is a crypto portfolio tracker that also calculates taxable gains and prepares jurisdiction-specific reports. It is most suitable for investors consolidating activity from many exchanges, wallets and DeFi services, provided their transaction volume and tax residence fit its plans. The strongest case is broad connection and activity coverage; the main cautions are plan quotas and the need for a computer to export documents.

Overview

Waltio follows crypto wealth in real time, showing allocation and performance comparisons while calculating capital gains and losses. Its tax engine can account for staking, farming, lending, mining and airdrops, as well as DeFi and NFT activity. That combination is more useful than a holdings-only tracker for active investors, but filing readiness depends on the country selected.

Supported jurisdictions include Belgium, Bulgaria, Croatia, Cyprus, the Czech Republic, Denmark, Egypt, Estonia, Finland, France, Germany, Greece, Hungary, Iceland, India, Indonesia, Ireland, Italy, Japan, Kenya, Latvia, Lithuania, Luxembourg, Mexico, Morocco, the Netherlands, Norway, Poland, Portugal, Romania, Slovakia, Slovenia, South Korea and Spain. Localized formats include France's Form 2086 and Form 3916-3916bis, Germany's Anlage SO, and the UK's SA108 and SA100. Where a localized form is not provided, calculations may be raw figures that require a tax adviser to map into a return.

Key features

Waltio says it synchronizes more than 700 exchange, wallet and blockchain sources. Users can connect read-permission API keys, enter public wallet addresses or upload transaction-history files. Automatic DeFi categorization, spam-token identification and coverage of more than 10,000 assets reduce the manual sorting burden for portfolios spread across services, although imported records still deserve review before filing.

Security controls are aimed at limiting connection risk: APIs are read-only, and API keys, addresses and wallets are encrypted in the database with Amazon KMS. Passwords are hosted by Auth0, two-factor authentication is available, and infrastructure runs on AWS. Waltio says it does not sell user data and asks for an email address and tax residency rather than KYC documents. Crypto-tax specialists provide email or live-chat help, with priority treatment on Unlimited.

Pricing

The freemium structure gives portfolio users a way to start, but meaningful automated reporting begins with a paid tier.

• Free — free: unlimited exchanges and wallets, CeFi and wallet portfolio tracking, manual profit-and-loss calculations, and a foreign-accounts form. It suits monitoring and basic self-calculation, not automated reports.
• Lite — €39 a year, billed per year: up to 50 transactions, unlimited exchanges and wallets, automated P&L, a capital-gains-and-losses report and document export. This is the low-cost choice for a small activity history; the 50-transaction ceiling arrives quickly for frequent traders.
• Starter — €99 a year, billed per year: up to 1,000 transactions, CeFi and DeFi tracking, automated P&L, a step-by-step filing guide and document export. It is the practical middle tier for active users who need DeFi coverage.
• Smart — €249 a year, billed per year: up to 10,000 transactions with the Starter feature set. Choose it when a year of trading exceeds 1,000 records but remains finite.
• Unlimited — €999 a year, billed per year: unlimited transactions, CeFi and DeFi tracking, repatriation-of-funds support, a tax-audit document and priority support. Its price is aimed at very high-volume users or those who place a premium on audit assistance.

Document export is not available in the iPhone app; a computer is required to download documents. That limitation matters even for subscribers who manage tracking from mobile.

Platforms

Waltio is available on the web and iOS. The iPhone app requires iOS 15.0 or later and supports portfolio tracking, tax calculations and ready-to-file reports, while exporting documents requires the computer-based web experience.

Who it's for

Choose Waltio if you have activity across numerous services, need DeFi, NFT or income-event treatment, and live in one of its supported jurisdictions. Lite fits occasional traders under 50 transactions; Starter and Smart suit progressively busier portfolios. Free works for tracking and manual P&L when formal automated reports are unnecessary.

Look elsewhere if your residence lacks a localized form, your transaction count routinely exceeds a tier, or you need fully mobile document handling. Users in unsupported situations may need professional tax advice regardless of plan.

Pros and cons

Pros

• Broad connectivity: more than 700 import sources accommodate fragmented portfolios.
• Wide activity coverage: staking, farming, lending, mining, airdrops, DeFi and NFTs are included in tax calculations.
• Privacy and access controls: read-only APIs, encryption, optional two-factor authentication and no KYC-document requirement reduce exposure.
• Localized reporting: supported national formats can make filing preparation more direct.

Cons

• Low entry quota: Lite stops at 50 transactions, making it unsuitable for many active traders.
• Expensive high-volume tier: Unlimited costs €999 a year.
• Country-dependent filing: unsupported localized forms can leave users with figures to map with an adviser.
• Desktop export requirement: mobile users cannot download tax documents in the app.

Alternatives

Browse Crypto Tax Software for a wider shortlist. Pick Blockpit instead if Android support, a free trial or one-off source-of-funds reports are priorities. Coinpanda is a better fit when a 25-transaction free tier and Android access meet your needs. Choose CoinTracking for API access, a seven-day unlimited-import trial and desktop-oriented portfolio tools. Koinly suits users wanting a free-forever allowance of up to 10,000 transactions and broad wallet limits. Awaken Tax is a web-only alternative. Bitcoin.Tax fits simpler histories with a 20-trading-transaction free plan. CoinLedger offers free portfolio tracking with unlimited exchanges and wallets. rotki is for users preferring Linux, macOS, Windows or self-hosted software.

Verdict

Waltio is a strong choice for investors in supported countries who need one system for diversified crypto tracking and tax calculations across hundreds of connections. Select the plan by transaction count, and expect to use a computer for exports. Seek another service when your jurisdiction lacks a localized return, your volume makes the quotas or Unlimited price unattractive, or mobile-only document access is essential.