Crypto Tax Calculator — Capital Gains on Bitcoin & Crypto
Estimate the federal tax on your crypto gains — short-term vs long-term — and what you keep after tax. Loading live prices…
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Crypto Tax
Capital gains • Short vs long
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Enter your trade to estimate the tax
Estimated federal tax
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Capital gain / loss
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Tax rate applied
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After-tax proceeds
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NIIT may apply?
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Gain you keep vs tax
How the Crypto Tax Calculator Works
Enter your sale proceeds and cost basis.
Choose how long you held it — over a year qualifies for lower long-term rates.
Add your income to set the rate, and see your tax and after-tax proceeds.
How Crypto Is Taxed (2026)
The IRS treats cryptocurrency as property, so selling, swapping or spending it is a taxable event. Your capital gain equals proceeds minus cost basis. Held one year or less, gains are short-term and taxed at your ordinary income rate; held over a year, they're long-term at the favorable 0%, 15% or 20% rates based on income. High earners may also owe the 3.8% Net Investment Income Tax.
Starting in 2025–2026, exchanges report proceeds on Form 1099-DA, so accurate basis tracking matters more than ever. Losses can offset gains and up to $3,000 of ordinary income. Estimate only; not tax advice.
Crypto Tax FAQ
Yes — trading one crypto for another, or spending crypto on goods, is a taxable disposal. Only buying and holding (or moving between your own wallets) is not taxable.
At 0%, 15%, or 20% depending on your taxable income — much lower than short-term gains, which use your ordinary income bracket. Holding over a year can cut the tax substantially.
Yes. Capital losses offset capital gains dollar-for-dollar, and up to $3,000 of net loss can offset ordinary income each year, with the rest carried forward.