Crypto Capital Gains Tax Calculator
Calculate your tax liability for Bitcoin, Ethereum, and other crypto assets in 2026.
How is Crypto taxed in the USA?
The IRS treats cryptocurrency as property, not currency. This means every time you sell, trade, or spend your crypto, it is a taxable event.
Short-Term Gains: If you held the crypto for 1 year or less, your profit is taxed at your ordinary income tax rate.
Long-Term Gains: If you held it for more than 1 year, you qualify for lower capital gains rates (0%, 15%, or 20% depending on your total income).
How to Use This Calculator
- Input Cost Basis - Everything you spent to acquire the crypto (price + exchange fees).
- Enter Sale Price - The total value of the assets when you sold them.
- Select Holding Period - Was it held for more than 365 days? This significantly changes the tax rate.
- Check Net Proceeds - See exactly how much you're taking home after the tax bite.
Calculation Formula & Example
The Formula
Tax = (Sale Price - Cost Basis) × Capital Gains Rate
Where:
- Cost Basis = Purchase price plus transaction fees.
- Holding Period = Determines if you use LTCG or Ordinary rates.
Example Calculation
If you bought 1 BTC for $30,000 and sold it for $60,000 after 2 years, your gain is $30,000. At a 15% LTCG rate, you owe $4,500 in taxes.
Benefits of Using This Calculator
- Avoid Tax Surprises - Know your tax bill before you spend your gains.
- Tax Loss Harvesting - Calculate potential losses to offset other gains with our realized gain/loss view.
- LTCG Strategy - See the benefit of waiting for the 1-year mark to sell.
Calculator Use Cases
Calculate the tax impact of selling one coin to buy another.
If you spend crypto on a car or laptop, use this to calculate the taxes owed on that 'spend'.
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