Crypto Tax Calculator
Calculate capital gains tax on cryptocurrency trades. Short-term vs long-term with NIIT calculation.
By Konstantin Iakovlev · Updated September 2026 · Source: IRS — Digital Assets
Capital Gain
$15,000.00
Tax Rate
15.0%
Estimated Tax
$2,250.00
Net Proceeds
$22,750.00
Tax Breakdown
| Cost Basis | $10,000.00 |
| Sale Proceeds | $25,000.00 |
| Capital Gain | $15,000.00 |
| Tax Type | Long-Term Capital Gains |
| Effective Tax Rate | 15.00% |
| Net After Tax | $22,750.00 |
Use the Crypto Tax Calculator above to calculate your results. Enter your values and see instant results — all calculations run in your browser.
Disclaimer: This calculator is for informational purposes only and does not constitute tax, financial, or legal advice. Results are estimates based on the information you provide and current rates. Always consult a qualified tax professional or financial advisor for advice specific to your situation.
How It Works
Capital gains on cryptocurrency trades split into short-term and long-term buckets, and the calculator works out the tax owed on each. Getting the split right matters because the two buckets are taxed at different rates. Brokers now report digital asset sales to the IRS on Form 1099-DA: gross proceeds for sales from January 1, 2025, and cost basis for certain sales from January 1, 2026.
Assets sold within a year of purchase count as short-term and face ordinary income rates, while those held beyond a year qualify for the lower long-term rates. On top of that, the Net Investment Income Tax (NIIT) of 3.8% applies to whichever is smaller: your net investment income, or the amount your modified adjusted gross income (MAGI) clears $250,000 for married filing jointly or $200,000 for single and head-of-household filers. Those thresholds are set by statute and are not indexed for inflation.
Crypto sits outside the 'wash sale' rules for now, but that is no reason to skimp on recordkeeping, so log the cost basis, acquisition date, sale date, and proceeds for every transaction. Misclassifying a trade or leaving one off the return is exactly the kind of error that invites penalties and interest from the IRS.
Example: 2026 Crypto Gains for a Married Couple
- 1 Input: a married couple filing jointly has $300,000 of taxable income in 2026 before two crypto sales. Lot A was held 8 months: bought for $20,000, sold for $35,000, a $15,000 short-term gain. Lot B was held 3 years: bought for $10,000, sold for $35,000, a $25,000 long-term gain. The calculator handles one sale at a time, so run it twice with Annual Income $300,000 and Married Filing Jointly.
- 2 Lot A (< 1 Year): $300,000 + $15,000 = $315,000 is in the 24% bracket ($211,400 to $403,550 for 2026) and over the $250,000 NIIT threshold, so the rate is 24% + 3.8% = 27.8%. Tax: $15,000 × 27.8% = $4,170.00; net proceeds $35,000 − $4,170 = $30,830.00.
- 3 Lot B (1+ Years): $300,000 is between $98,900 and $613,700, the 2026 15% band for joint filers, so the rate is 15% + 3.8% = 18.8%. Tax: $25,000 × 18.8% = $4,700.00; net proceeds $30,300.00.
- 4 Total: $4,170 + $4,700 = $8,870 on $40,000 of gains. Of that, $1,520 is NIIT (3.8% × $40,000): their MAGI exceeds $250,000 by more than their $40,000 of net investment income, so the tax applies to the full $40,000.
Source: IRS — Digital Assets · Last updated: September 2026
Frequently Asked Questions
How is cryptocurrency taxed in 2026?
What crypto transactions are taxable?
How do I report crypto on my taxes?
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