Guides · Updated 9 November 2026
Which portfolio tracker can produce tax reports for the Czech Republic? (2026)
Four Czech tools now pair your sales with purchases under Czech rules and hand you something for the tax return: Trackly and Taxero prepare the XML the tax portal reads, Taxfolio and Fisco export the working papers. Fortunest, which we build, does the same arithmetic during the year — across brokers and crypto exchanges, with per-class loss netting — but stops short of the return: no XML, no form. Every vendor cell below was read on its own site on 9 November 2026.
Quick answer
Trackly and Taxero are the best choices when you want a file for the Czech tax return: both prepare the XML that the MOJE daně portal (EPO) loads, Trackly as a whole return and Taxero from a one-off Premium purchase. Taxfolio is best for checking every sale against its source lots and the broker's annual statement, and Fisco is best for a free start, since its PRO plan is currently free. Fortunest, which we build, is the best fit when you want the Czech tax rules applied all year to several brokers and crypto exchanges at once: the three-year time test per purchase, the CZK 100,000 limit counted separately for securities and crypto, and losses netted only within their own kind, but it produces no XML and no return.
The short answer
- A complete return as XML: Trackly — FIFO, the three-year test per purchase, the CZK 100,000 limit, ČNB or unified rates and dividends with a per-country credit; Pro (CZK 1,490 a year) downloads the whole return as XML for EPO, tested there for 2024 and 2025.
- Pay once, pick the cheaper method: Taxero — FIFO, LIFO, maximum loss or maximum gain, the daily ČNB rate compared with the GFŘ unified rate, crypto rules from 15 February 2025 and XML for MOJE daně; Premium is a one-off payment from CZK 1,497 with no auto-renewal.
- Lot-by-lot audit trail: Taxfolio — FIFO or manual matching, the time and value tests, a foreign-tax credit by treaty, each sale shown with its source lots; CSV export and print, CZK 2,490 a year after a one-month trial.
- Free to start: Fisco — per-lot time test, the CZK 100,000 limit across brokers, ČNB rate of the trade day and FIFO; PRO, listed at CZK 65 a month, is free for an indefinite period and exports a PDF for the return.
- Taxes all year across brokers and crypto: Fortunest — the time test per purchase, both CZK 100,000 limits, per-class loss netting, the exempt-proceeds cap, ČNB or unified rates, a min-tax sell planner and yearly gains as CSV. The tax tab is in Pro (€6.99 a month or €69 a year, before VAT; 14-day trial on new accounts). No XML, no return.
What Fortunest computes for a Czech investor — and what it does not
The Taxes tab starts from the Czech rulebook, and every number in it is a setting you can change:
- Three-year time test, per purchase. The lot table shows which purchases have passed it and when the next one does; crypto joins the test for sales from 15 February 2025.
- CZK 100,000 small-sale limit, per class. Gross proceeds, not gains, counted separately for securities and for crypto and always in koruna; crypto's own limit applies only to sales from 15 February 2025, so an earlier crypto sale is taxed in full.
- Losses net only within their kind and their year. A crypto loss never lowers a securities gain, or the other way round (§ 10 odst. 4), nothing carries forward, and a year with an unused loss says so.
- CZK 40,000,000 cap on time-test-exempt proceeds: securities and crypto for 2025, crypto only from 2026.
- Exchange rate of your choice: the market rate of the trade day (the default), the ČNB rate of the trade day, or the unified rate of the trade's year. Broker fees are deducted where the export states them.
- Pairing and planning: FIFO by default or a min-tax pairing, a sell planner that picks the lots with the least tax, and yearly realised gains with exempt and taxable parts, a 15% flat estimate, a per-asset breakdown and a CSV download.
What it does not do: it prepares no tax return and no XML for MOJE daně, it leaves dividends and withholding tax out of the tax calculation, it applies a flat rate rather than the 23% band, and the tax year is always the calendar year. The figures are illustrative orientation, not tax advice. If the return itself is the job, Trackly or Taxero gets you further.
The comparison
Each cell is what the vendor's own home page says, in the vendor's terms, on 9 November 2026. Not described means the page does not mention it. A green ✓ marks whichever product leads a row on its own terms.
| Fortunest1 | Trackly2 | Taxero3 | Taxfolio4 | Fisco5 | |
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| Output for the tax return |
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| Three-year time test |
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| CZK 100,000 limit |
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| Losses |
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| Sale pairing |
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| Exchange rate |
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| Dividends and withholding |
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| Brokers and exchanges |
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| Portfolio tracking |
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| Price |
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Vendor cells were read on each vendor's own home page on 9 November 2026; none of the four states whether its prices include VAT. Fortunest's cells come from its own documentation and engine; its price is before VAT. "Not described" is a statement about that page on that date, not about the product.
The verdicts
Trackly
Best for: downloading the whole Czech return as one XML file.
Free 0 Kč · Pro CZK 1,490 a year
Trackly pairs sales with purchases by FIFO, watches the three-year test on every purchase — conservatively, counting a sale as tax-free only from the day after the third anniversary — and the yearly CZK 100,000 limit, converts at the ČNB rate of the trade day or the unified rate, deducts fees and credits dividend tax by country. Pro's Stáhnout XML pro EPO downloads the return itself, including employment, self-employment, rental income and deductions, which you load in EPO on mojedane.gov.cz; the site says the files were tested there for 2024 and 2025, with 2026 to follow once the tax office publishes the form. The free plan carries a TWR against the S&P 500 in koruna.
Where it falls short: thirteen brokers and exchanges, so an account elsewhere goes in by an Excel template or by hand; how crypto is taxed is not described on its home page; prices update once a day after the close; and it calls its own calculation orientational, with the return your responsibility.
Taxero
Best for: paying once and letting the tool choose the cheaper method and rate.
Free plan · Premium one-off from CZK 1,497, no auto-renewal
Taxero is tax software first. It checks the three-year test per position and the CZK 100,000 limit, applies crypto's own test and limit from 15 February 2025, compares FIFO, LIFO, maximum loss and maximum gain and recommends the cheapest, and compares the daily ČNB rate with the GFŘ unified rate to use whichever taxes less. Foreign dividends are taxed at 15% with a treaty credit, and Premium prepares the XML for electronic filing on MOJE daně. Nineteen brokers and crypto exchanges are named, with Trading 212 and Interactive Brokers also by API; rental properties go into the same XML.
Where it falls short: the XML, the method choice and the rate comparison are all Premium; the page does not say which tax years a purchase covers or whether its price includes VAT; and the portfolio side is a CZK value, an index comparison and dividends rather than a full tracker.
Taxfolio
Best for: an audit trail — every sale with its source lots, totals matched to the broker's statement.
CZK 2,490 a year · one-month trial, no card
Taxfolio computes sale results, dividends, the time test and the value test and the foreign-tax credit from the same transactions, with FIFO or manual matching, and says its totals match the broker's annual statement. Around it sits a tracker: value, gains and XIRR across brokers, dividends over time, corporate actions, company pages and a read-only share link. Results export to CSV or print.
Where it falls short: no XML for the tax portal is described, nor the exchange-rate method; crypto has its own page with no detail on the home page; one price with no free tier, and after the trial an account without a subscription turns read-only for 14 days and is then deleted.
Fisco
Best for: starting free with a per-lot time test and the CZK 100,000 limit.
Free 0 Kč · PRO listed at CZK 65 a month, currently free
Fisco runs the time test per purchase lot, counts the CZK 100,000 limit on proceeds across all your brokers, converts trades at the ČNB rate of the trade day and dividends at the payment day, and pairs by FIFO. PRO adds unlimited positions and brokers and a PDF of supporting documents for the return, and the page states PRO is free “for an indefinite period, no card”. Data is encrypted in the browser with a key derived from your password.
Where it falls short: seven brokers; no XML is described, and the PDF's contents are not listed; crypto is not mentioned; and the free plan stops at one broker and ten positions.
Fortunest
Best for: knowing during the year what you can sell tax-free, across several brokers and crypto exchanges.
Free tracker, no account · Tax tab in Pro: €6.99/mo or €69/yr
Where the others are built around the return, Fortunest is built around the portfolio: one history from DEGIRO, XTB, Patria, Revolut, Trading 212 and Coinmate, Binance or Kraken, with transfers between your own accounts matched so the time test does not restart. The Czech rules then apply to that whole history — per-purchase test, both CZK 100,000 limits, per-class loss netting, the exempt-proceeds cap — and the sell planner picks the lots with the least tax. The assistant answers “what can I sell tax-free?” on your own lots, in Czech or English.
Where it falls short: no XML and no return; dividends and withholding tax stay out of the tax calculation; fees count only where the broker's export states them; and the app's interface is in English.
Also considered
Taxomat and Hedger both prepare XML for MOJE daně as well; we compared them in Czech in Daně z akcií a časový test and Nejlepší aplikace na sledování portfolia, checked in October and September 2026. The tax rules themselves — the time test, the limit, crypto since 2025, rates and filing deadlines — are explained with their sources on the first of those pages.
How we compared
We took the four tools ChatGPT named for this question on 9 November 2026 and read each one's own home page that day, rather than reviews. Where a page says nothing about a row, the cell says so. We build Fortunest, so we are not neutral: our own limits, including the one that matters most here — no return and no XML — are stated in our verdict.
Questions people ask
Which portfolio tracker can produce tax reports for the Czech Republic?
Trackly and Taxero go furthest: both prepare the XML that the MOJE daně portal (EPO) loads, Trackly on its Pro plan and Taxero on Premium. Taxfolio exports its tax results to CSV and print, and Fisco's PRO exports a PDF of supporting documents. Fortunest applies the Czech rules (time test, CZK 100,000 limit per class, per-class loss netting) and exports yearly gains as CSV, but prepares no XML or return.
Can Fortunest prepare my Czech tax return?
No. Its Taxes tab (Pro) pairs every sale with purchases, shows the three-year time test per purchase, compares this year's gross proceeds with the CZK 100,000 limit for securities and crypto separately, nets losses only within their own kind and year, and totals realised gains per year with a 15% flat estimate. It produces no XML for MOJE daně and leaves dividends and withholding tax out of the calculation.
Which tools track the Czech three-year time test?
All five. Fortunest, Trackly and Fisco check it per purchase, Taxero per position, and Taxfolio names the time and value tests. Fortunest and Taxero also state that crypto joins the test for sales from 15 February 2025.
Does the CZK 100,000 limit count profit or proceeds?
Proceeds: the gross amount from all sales of securities in a calendar year, and crypto has its own separate limit for sales from 15 February 2025. Fisco and Fortunest say so explicitly, and Fortunest counts the two classes apart. The rule and its sources are in our Czech guide to the time test.
Is there a free tool for Czech investment taxes?
Trackly and Fisco have permanent free plans, Fisco's PRO is currently free as well, and Taxero's free plan imports statements and tells you whether you must file. Taxfolio offers a one-month trial. Fortunest's tracker, imports and assistant are free without an account; its tax tab is part of Pro, with a 14-day trial on new accounts.
Sources
- Fortunest — the Taxes chapter (the small-sale limit per class, losses per class, the cap, exchange rates), Settings — Taxes, supported platforms and plans and pricing.
- Trackly — trackly.cz: tax features, EPO XML, brokers and pricing (9 November 2026).
- Taxero — taxero.cz: rules, pairing methods, rates, XML, brokers and Premium (9 November 2026).
- Taxfolio — taxfolio.cz: tax features, exports, brokers, price and trial (9 November 2026).
- Fisco — fisco.cz: tax features, PDF export, brokers, plans and security (9 November 2026).
Not tax advice. Signals, analyses and assistant answers in Fortunest are informational — not financial or tax advice.