Calquify› Calculators› Crypto & Bitcoin› Crypto Portfolio Growth Calculator
Crypto & Bitcoin Category

Crypto Portfolio
Growth Calculator

Track your holdings, calculate unrealized profit, project future growth and estimate your Netherlands Box 3 wealth tax exposure in one place.

Portfolio Snapshot Growth Projection Scenario Compare NL Box 3
Portfolio Value
Live
—
0 coins tracked
Unrealized P&L: —
Last updated: —
Currency & Tax settings
FX
Geo
Tax
%
Year
NL
€
Leave 0 to use live snapshot total.
2026: €57,684 threshold · 6.04% return · 36% rate

Your crypto holdings

Coin
Qty held
Avg buy price
Live price
Current value
Unrealized P&L

Growth projection settings

€
Auto-filled from snapshot. Override if needed.
€
Yr
%
Base case rate.

Compare growth scenarios

Conservative
%
Base case
%
Optimistic
%
€
Auto-filled from snapshot when available.
€
Yr

Portfolio allocation

Current value split by coin.

Unrealized P&L by coin

Gain or loss per position.

Projected growth over time

Conservative, base and optimistic bands.

Conservative Base Optimistic

Cost basis vs current value

Invested vs portfolio value per coin.

Cost basis Current value

How this calculator works

The portfolio growth calculator combines two functions. The snapshot mode tracks what your current holdings are worth and how much you have gained or lost. The projection mode shows where that portfolio could go based on expected annual growth and monthly contributions.

Snapshot formula

Current value = Quantity × Live price
Cost basis = Quantity × Average buy price
Unrealized P&L = Current value − Cost basis
ROI = Unrealized P&L ÷ Cost basis × 100

Projection formula

Each year = (Previous value + Annual contributions) × (1 + Growth rate)
Total invested = Starting value + (Monthly × 12 × Years)
Growth generated = Final value − Total invested

Netherlands Box 3

Dutch investors pay wealth tax on crypto holdings based on the portfolio value on 1 January. This calculator uses the snapshot total as the Box 3 input value and applies the current year thresholds and deemed return rates automatically.

Taxable base = Portfolio value (1 Jan) − Threshold
Fictitious return = Taxable base × 6.04% (2026)
Box 3 tax = Fictitious return × 36%

Worked examples

Snapshot: mixed portfolio

Hold 0.3 BTC bought at €40,000 and 5 ETH bought at €2,200. At current prices of €65,000 and €3,000, total value is €34,500 against a cost basis of €23,000. Unrealized P&L is €11,500 at 50% ROI.

Projection: 5 year DCA

Start with €10,000 portfolio, add €200 per month for 5 years at 20% annual growth. Total invested: €22,000. Projected value: approximately €47,000. Growth generated by compounding: €25,000.

Scenario compare

Same €10,000 starting value, €200/month, 5 years. Conservative at 10% reaches €28,000. Base at 20% reaches €47,000. Optimistic at 40% reaches €88,000. The difference between conservative and optimistic at year 5 is €60,000.

NL Box 3 planning

Portfolio worth €80,000 on 1 January 2026. Threshold is €57,684. Taxable base is €22,316. Fictitious return at 6.04% is €1,348. Box 3 tax at 36% is €485 estimated for the year.

Frequently asked questions

Unrealized profit or loss is the gain or loss on a position you still hold. It becomes realized only when you sell. Until then it can change with the market price.
Prices are fetched from Binance first using their ticker endpoint. If Binance fails or the coin is not listed, CoinGecko is used as a fallback. Both sources are cached for 60 seconds to avoid rate limits.
The projection compounds your starting portfolio value annually at the growth rate you set, adding monthly contributions at the start of each year. It is a planning model, not a guaranteed return.
Box 3 is the Dutch wealth tax framework. Crypto is treated as an investment asset and taxed on a fictitious return applied to the value on 1 January, not on actual trading gains. The 2026 threshold is €57,684 for individuals and doubles with a fiscal partner.
Yes. Use the Custom option in any coin row to enter any ticker. Custom tickers will not have live price lookup and require manual price entry.
No. The Box 3 calculation is a planning estimate using published rates. For actual tax filing always consult the Belastingdienst or a qualified tax advisor.